Key Financial Figures (₹ in lakhs)

Quarter Ended September 30, 2026:

  • Interest Earned: 209,225.22
  • Other Income: 35,020.88
  • Total Income: 244,246.10
  • Interest Expended: 121,949.00
  • Operating Expenses: 56,205.89
  • Operating Profit before provisions: 65,091.21
  • Provisions (other than tax): 12,000.00
  • Profit before tax: 54,091.27
  • Tax Expenses: 12,500.00
  • Net Profit: 41,591.21

Half Year Ended September 30, 2026:

  • Interest Earned: 407,723.72
  • Other Income: 59,379.82
  • Total Income: 467,103.54
  • Interest Expended: 238,434.10
  • Operating Expenses: 104,520.91
  • Operating Profit before provisions: 124,148.53
  • Provisions (other than tax): 19,800.00
  • Profit before tax: 104,348.53
  • Tax Expenses: 24,500.00
  • Net Profit: 79,848.53

Comparative Figures (Quarter):

  • Q2 FY2026 Net Profit: ₹32,858.55 lakh
  • Q2 FY2027 Net Profit: ₹41,591.21 lakh (27% increase YoY)

Capital Structure

  • Paid-up equity share capital: ₹9,907.87 lakh (Face value ₹1 each)
  • Reserves: ₹11,093,36.73 lakh
  • Net Worth: ₹11,104,770.77 lakh

Analytical Ratios

  • Capital Adequacy Ratio (Basel III): 27.26% (vs 21.68% YoY)
  • Basic EPS: ₹4.20 (Q2 FY2027) vs ₹3.32 (Q2 FY2026)
  • Return on Assets (Annualized): 1.62% (Q2 FY2027)
  • Gross NPA: 1.44% (vs 2.42% YoY)
  • Net NPA: 0.48% (vs 0.90% YoY)
  • Gross NPA Amount: ₹104,302.01 lakh
  • Net NPA Amount: ₹34,417.65 lakh
  • Provision Coverage Ratio: 82% (including technical write-off), 67% (excluding technical write-off)

Segment Reporting

Revenue by Segment (Half Year FY2027):

  • Treasury: ₹82,396 lakh
  • Corporate/Wholesale Banking: ₹167,129 lakh
  • Retail Banking: ₹276,082 lakh
  • Other Banking Operations: ₹6,456 lakh

Profit by Segment (Half Year FY2027):

  • Treasury: ₹42,069 lakh
  • Corporate/Wholesale Banking: ₹20,007 lakh
  • Retail Banking: ₹56,296 lakh
  • Other Banking Operations: ₹5,777 lakh

Asset Quality and Provisions

  • The Bank made provisions of ₹12,000 lakh for Q2 FY2027
  • Contingent provision of ₹5,000 lakh made for economic uncertainties
  • Provision of ₹272.44 lakh held for Unhedged Foreign Currency Exposure

NPA Resolution

  • Transferred NPAs totaling ₹402.93 crore (974 accounts) to ARCs during Q2 FY2027
  • Net book value of transferred loans: ₹108.39 crore
  • Aggregate consideration: ₹131.22 crore
  • Recovery Ratings for Security Receipts: RR1 with book value of ₹172.92 crore

COVID-19 Resolution Framework

  • Total exposure under resolution frameworks: ₹298.16 crore as of September 30, 2026
  • Personal loans: ₹91.94 crore
  • Corporate Persons: ₹120.11 crore
  • Others: ₹86.11 crore
  • Amount slipped into NPA during half year: ₹8.47 crore

Other Disclosures

  • Co-lending arrangements: ₹776.82 crore outstanding across 16 cases
  • PSLC purchased: ₹600 crore (commission paid ₹2.81 crore)
  • PSLC sold: ₹400 crore (commission earned ₹12.43 crore)
  • No investor complaints pending as of September 30, 2026
  • No subsidiaries/associates/joint ventures
  • Authorized Share Capital increased from ₹1000 crore to ₹2000 crore after RBI NOC and shareholder approval

Cash Flow Statement (Half Year FY2027)

  • Net cash flow from Operating Activities: (₹25,507) lakh
  • Net cash used in Investing Activities: (₹15,065) lakh
  • Net cash flow from Financing Activities: (₹19,594) lakh
  • Net decrease in Cash: ₹60,166 lakh
  • Cash and Cash equivalents at period end: ₹832,541 lakh

Auditor Review

The financial results were reviewed by joint statutory central auditors P.B. Vijayaraghavan & Co and M. Srinivasan & Associates, who issued a limited review report confirming compliance with accounting standards and RBI guidelines.