Paid-up Equity Share Capital: ₹1,143.72 crore (Face Value ₹10 each)
Capital Adequacy Ratio (Basel II): 19.44%
Earnings Per Share (EPS)
Basic EPS: ₹1.61
Diluted EPS: ₹1.60
Asset Quality
Gross NPA: ₹1,100.39 crore (2.42% of Gross Advances)
Net NPA: ₹318.94 crore (0.71% of Net Advances)
Return on Assets (average): 0.29%
Net Worth: ₹5,798.33 crore
Debt-Equity Ratio: 0.74
Total debts to total assets: 10.46%
Segment-wise Performance (Q1 FY27)
Treasury: Profit of ₹38.51 crore; Assets ₹16,388.06 crore
Retail Banking: Profit of ₹209.13 crore; Assets ₹45,495.10 crore
Wholesale Banking: Loss of ₹7.20 crore; Assets ₹2,082.48 crore
Other Banking operations: Profit of ₹22.36 crore
Unallocated: Loss of ₹18.72 crore
Other Material Disclosures
Share Allotment: The Bank allotted 267,874 equity shares (Face Value ₹10 each) during the quarter pursuant to the exercise of options by its employees under the ESFB ESOP Scheme.
Utilization of NCD Proceeds: Proceeds from Non-Convertible Debentures (NCDs) issued to the extent of ₹500 crores on December 05, 2024, and ₹500 crores on July 31, 2025, have been fully utilized for the intended purpose. There has been no material deviation in the use of proceeds from the objects stated in the offer document. Nil deviation reports are enclosed.
Loan Transfers: The Bank transferred loans not in default through assignment amounting to ₹520.30 crore with a weighted average residual maturity of 193.28 months. The originator retained a 10% beneficial economic interest.
Security Receipts: The Bank held Security Receipts with a gross value of ₹175.22 crore, rated by India Ratings and CRISIL.
Audit Review: The financial results were reviewed by the joint statutory auditors, M/s. ASA & Associates LLP and M/s. Suri & Co., Chartered Accountants, whose report is unmodified.
Dates and Meetings
Board Meeting Date: July 28, 2026 (commenced at 11:00 hours, concluded at undisclosed time)
