Business Performance Highlights
Total Global Business grew by 20.54% year-over-year to ₹889,541 crore (Q2FY26: ₹737,938 crore).
Total Domestic Deposits increased by 14.41% to ₹508,509 crore (Q2FY26: ₹444,450 crore) with CASA deposits comprising 44.65% of total deposits.
Global Advances increased by 29.83% to ₹381,032 crore (Q2FY26: ₹293,488 crore), consisting of:
- Domestic Advances: ₹372,939 crore
- Overseas Advances (Gift City-IBU): ₹8,093 crore
RAM (Retail, Agriculture & MSME) Business grew by 21.11% with sector-wise growth:
- Retail: 24.49% (₹112,299 crore)
- Agriculture: 19.92% (₹67,778 crore)
- MSME: 17.36% (₹74,196 crore)
Business per Employee improved to ₹25.26 crore (Q2FY26: ₹21.48 crore).
Quarterly Profitability (YoY Comparison)
Net Profit increased by 21.10% to ₹1,469 crore (Q2FY26: ₹1,213 crore).
Operating Profit grew by 26.9% to ₹2,268 crore (Q2FY26: ₹1,786 crore).
Net Interest Income (NII) grew by 26.28% to ₹4,146 crore (Q2FY26: ₹3,283 crore).
Total Income (Interest Income plus Non-Interest Income) improved by 14.92% to ₹11,737 crore (Q2FY26: ₹10,213 crore).
Cost to Income Ratio reduced to 58.95% (Q2FY26: 62.42%).
Half-Yearly Profitability (YoY Comparison)
Net Profit increased by 17.25% to ₹2,793 crore (H1FY26: ₹2,382 crore).
Operating Profit grew by 8.90% to ₹4,454 crore (H1FY26: ₹4,090 crore).
Net Interest Income grew by 20.91% to ₹8,060 crore (H1FY26: ₹6,666 crore).
Return on Assets (ROA) remained stable at 1.02%.
Return on Equity (ROE) improved to 15.50% (H1FY26: 14.24%).
Quarterly Sequential Performance (Q2 over Q1 FY27)
Net Profit grew by 10.95% (₹145 crore) to ₹1,469 crore.
Operating Profit grew by 3.75% (₹82 crore) to ₹2,268 crore.
Net Interest Income grew by 5.93% (₹232 crore) to ₹4,146 crore.
Interest Income grew by 6.87% (₹666 crore) to ₹10,357 crore.
ROA improved by 3 basis points to 1.03%.
Asset Quality Metrics
Gross NPA stood at 2.39%, showing improvement of 62 basis points from 3.01% YoY.
Net NPA stood at 0.31%, showing improvement of 17 basis points from 0.48% YoY.
Provision Coverage Ratio stood at 97.16%, showing improvement of 28 basis points from 96.88% YoY.
Slippage Ratio stood at 0.24% for the quarter and 0.45% for the half year, showing improvements of 6 basis points and 11 basis points respectively.
Branch Network and Touch Points
The bank maintains pan-India presence with 22,215 touch points, of which 85% are in RU/SU (Rural/Urban) centers. The network includes:
- 4,622 Branches (65.24% in rural & semi-urban areas)
- 1 IFSC Banking Unit
- 3,820 ATMs
- 13,752 BC outlets
- 20 BC Maxx Centres
Capital Adequacy
Total BASEL III CRAR for the quarter/half year ended September 30, 2026, is 17.68% (with Tier I of 15.97%), showing improvement of 34 basis points from 17.34% for the same period last year.