Key Financial Performance Metrics (YoY Comparison)
- Global Business: ₹30,72,365 Cr (15.88% growth)
- Global Deposits: ₹16,97,305 Cr (13.13% growth)
- Global Advances: ₹13,75,060 Cr (19.46% growth)
- Operating Profit: ₹8,758 Cr (1.98% growth)
- Net Profit: ₹5,175 Cr (8.40% growth)
- Earnings per share: ₹22.06 (5% growth)
Business Segment Performance
Domestic Operations
- Domestic Deposits: ₹15,47,979 Cr (10.97% YoY growth)
- Domestic Advances (gross): ₹12,64,753 Cr (16.95% YoY growth)
Credit Portfolio Breakdown
- RAM Credit: ₹8,12,310 Cr (21.03% YoY growth)
- Retail Lending Portfolio: ₹3,30,587 Cr (31.61% YoY growth)
- Housing Loan Portfolio: ₹1,34,501 Cr (17.35% YoY growth)
- Vehicle Loan: 25.50% growth (specific amount not disclosed)
Asset Quality Indicators
- Gross NPA Ratio: 1.33% (improved from 2.35% in September 2025, 1.57% in June 2026)
- Net NPA Ratio: 0.30% (improved from 0.54% in September 2025, 0.36% in June 2026)
- Provision Coverage Ratio (PCR): 95.34% (improved from 93.59% in September 2025, 94.76% in June 2026)
- Credit Cost: 0.47% (improved by 21 bps)
- Slippage Ratio: 0.58% (improved by 18 bps)
Capital Adequacy
- CRAR: 17.19% as at September 2026
- CET1: 12.80%
- Tier-I: 2.25%
- Tier-II: 2.14%
Priority Sector Lending Performance (as percentage of ANBC)
- Priority Sector: 44.99% (against 40% norm)
- Agricultural Credit: 20.61% (against 18% norm)
- Small and Marginal Farmers: 12.74% (against 10.00% norm)
- Weaker Sections: 18.73% (against 12.00% norm)
- Micro Enterprises: 9.22% (against 7.50% norm)
- Non-Corporate Farmers: 15.55% (against 14.00% norm)
Network and Geographic Presence
As of 30.09.2026:
- Total Branches: 10,146
- Rural: 3,215
- Semi Urban: 3,040
- Urban: 1,994
- Metro: 1,897
- ATM & Recyclers: 10,764
- Overseas Branches: 4 (London, New York, Dubai, and IBU Gift City Branch)