Summary of Key Information:

Reporting Period (Quarter/Year): Second Quarter and Half Year ended September 30, 2026 (FY 2026-27)

Nature of Filing / Announcement: Regulatory filing under SEBI (LODR) Regulations, 2015 - Outcome of Board Meeting

Date of Board Meeting / Approval: October 15, 2026

Audit Opinion: Unmodified (Clean) - Results reviewed by Statutory Central Auditors

Auditor’s Comment: No qualifications or modifications affecting earnings quality, internal controls, or going concern.

Key Financial Highlights [Rs. in crores]

Standalone Results:

Quarter ended September 30, 2026 (Reviewed):

  • Revenue from Operations: ₹23,058.62 (Q2 FY26: ₹20,723.62; +11.3% YoY)
  • Total Income: ₹23,058.62
  • Net Profit: ₹3,462.24 (Q2 FY26: ₹3,273.09; +5.8% YoY)
  • EPS: ₹25.70 (Face Value ₹10) (Q2 FY26: ₹24.30)

Half Year ended September 30, 2026 (Reviewed):

  • Revenue from Operations: ₹43,782.24 (H1 FY26: ₹38,176.69)
  • Total Income: ₹43,782.24
  • Net Profit: ₹6,735.33 (H1 FY26: ₹5,991.04)
  • EPS: ₹50.00 (H1 FY26: ₹44.48)

Capital & Reserves:

  • Paid-up equity share capital: ₹1,346.96 crore
  • Reserves excluding Revaluation Reserves: ₹69,876.76 crore (as per previous year balance sheet)

Asset Quality (Standalone):

  • Gross NPAs: ₹11,612.52 crore (1.61% of advances) (Sep-25: ₹16,134.66 cr; 2.60%)
  • Net NPAs: ₹982.90 crore (0.14%) (Sep-25: ₹982.98 cr; 0.16%)
  • Provision Coverage Ratio (including technical write-offs): 98.22%

Capital Adequacy (Basel III) (Standalone):

  • CRAR: 16.21% (Sep-25: 17.31%)
  • CET-1 Ratio: 15.18% (Sep-25: 14.80%)
  • Additional Tier 1 Ratio: 0.00%

Consolidated Results:

Quarter ended September 30, 2026 (Reviewed):

  • Net Profit (after minority interest): ₹3,540.71 crore
  • EPS: ₹26.29

Half Year ended September 30, 2026 (Reviewed):

  • Net Profit (after minority interest): ₹6,897.34 crore
  • EPS: ₹51.21

Capital Adequacy (Basel III) (Consolidated):

  • CRAR: 16.41%
  • CET-1 Ratio: 15.40%

Segment-wise Performance [Rs. in crores]

Standalone Segment Revenue for Q2 FY27:

  • Treasury Operations: ₹6,498.90
  • Corporate/Wholesale Banking: ₹7,077.23
  • Retail Banking: ₹8,962.82 (Digital Banking Sub-segment: ₹0.83)
  • Other Banking Operations: ₹519.67

Standalone Segment Results (Profit) for Q2 FY27:

  • Treasury Operations: ₹2,883.26
  • Corporate/Wholesale Banking: ₹1,723.91
  • Retail Banking: ₹2,006.13 (Digital Banking Sub-segment: ₹0.40)
  • Other Banking Operations: ₹476.74

Corporate Actions:

Dividend: Not Specified

Share Split/Bonus/Buyback: Not Specified

Fundraising Plan Approved:

  • Raising Long Term Infrastructure Bonds aggregating up to ₹5,000 crore in one or more tranches.
  • Raising AT1/Tier-2 Capital aggregating up to ₹2,000 crore through Basel III Compliant Bonds.

Other Significant Information:

NSE Listing Gain: The Bank booked ₹1,386.67 crore as income from the listing of its NSE shareholding. This comprises ₹252.50 crore as a realized gain on sale (OFS) and ₹1,134.17 crore as a revaluation gain as of September 30, 2026.

Additional Provisions: The Bank made an incremental provision of ₹1,672.21 crore (net of reversals) on Standard Assets. This includes ₹11.96 crore for potential risks from the West Asia crisis and ₹1,500 crore towards anticipated Expected Credit Loss (ECL) impact.

MSME Restructuring: 20,160 accounts restructured with an outstanding of ₹581.89 crore under the RBI resolution framework.

COVID-19 Restructuring (Resolution Framework 2.0): 269 borrower accounts with an aggregate exposure of ₹52.22 crore.

Entities in Consolidation: The consolidated results include subsidiaries (IBMBS, IBHL, IGSS), associates (Tamil Nadu Grama Bank, Puducherry Grama Bank), and joint ventures (ASREC, Universal Sompo).

Investor Complaints: 52 complaints received in Q2 FY27; 51 resolved; 1 pending (since resolved).