Key Financial Performance

Profit & Loss Account (Consolidated) - ₹ crores:

  • Net Interest Income: ₹4,685 (↑1% YoY, ↑7% QoQ)
  • Other Income: ₹1,787 (↓17% YoY, ↑4% QoQ)
  • Total Income: ₹6,471 (↓5% YoY, ↑6% QoQ)
  • Operating Expenses: ₹3,698 (↓13% YoY, ↓2% QoQ)
  • Operating Profit: ₹2,773 (↑8% YoY, ↑21% QoQ)
  • Provisions & Contingencies: ₹1,384 (↓21% YoY, ↓7% QoQ)
  • Profit Before Tax: ₹1,389 (↑72% YoY, ↑71% QoQ)
  • Provision for Tax: ₹352 (↑73% YoY, ↑61% QoQ)
  • Profit After Tax: ₹1,037 (↑72% YoY, ↑75% QoQ)

Key Ratios:

  • Net Interest Margin (excluding one-offs): 3.35% (vs 3.46% YoY, 3.39% QoQ)
  • Return on Assets: 0.78%
  • Return on Equity: 6.26%
  • Earnings Per Share: ₹53.2
  • PPOP to Avg Loans: 3.49%
  • Provisions to Avg Loans: 1.74%

Balance Sheet Position (Consolidated - End Period) - ₹ crores

Capital & Liabilities:

  • Capital: ₹779 (flat YoY and QoQ)
  • Reserves and Surplus: ₹66,049 (↑2% YoY, ↑2% QoQ)
  • Deposits: ₹4,14,766 (↑4% YoY, ↑4% QoQ)
  • CA Deposits: ₹34,620 (↑2% YoY, ↓1% QoQ)
  • SA Deposits: ₹87,440 (↓4% YoY, ↓3% QoQ)
  • Borrowings: ₹43,864 (↓16% YoY, ↑3% QoQ)
  • Other Liabilities and Provisions: ₹29,467 (↑19% YoY, ↓16% QoQ)
  • Total Liabilities: ₹5,54,926 (↑3% YoY, ↑2% QoQ)

Assets:

  • Cash and Balances with RBI: ₹33,766 (↓27% YoY, ↑13% QoQ)
  • Balances with Banks: ₹32,835 (↑100% YoY, ↑73% QoQ)
  • Investments: ₹1,14,802 (↑5% YoY, ↓8% QoQ)
  • Advances: ₹3,26,274 (↓2% YoY, ↑3% QoQ)
  • Fixed Assets: ₹2,515 (flat YoY, ↓1% QoQ)
  • Other Assets: ₹44,733 (↑43% YoY, ↓12% QoQ)
  • Total Assets: ₹5,54,926 (↑3% YoY, ↑2% QoQ)

Asset Quality Metrics

  • Gross NPA: 3.25% (vs 3.43% QoQ, 3.64% YoY)
  • Net NPA: 0.95% (vs 1.00% QoQ, 1.12% YoY)
  • Provision Coverage Ratio: 71% (vs 71% QoQ, 70% YoY)
  • SMA 1 & SMA2: 0.12% (vs 0.17% QoQ)
  • Restructured Book: 0.05% (vs 0.06% QoQ)
  • Net Security Receipts: 0.07% (vs 0.08% QoQ)

NPA Movement - ₹ crores:

  • Opening Balance (Q1FY27): ₹11,095
  • Fresh Additions: ₹1,660
  • Deductions: ₹1,907
  • Write-offs: ₹1,435
  • Upgrades: ₹225
  • Recoveries: ₹248
  • Sale to ARCs/Others: ₹0
  • Gross NPA (Closing): ₹10,849
  • Net NPA: ₹3,101

Provision Details:

  • Specific provision for non-performing accounts: ₹7,678 crores
  • Floating provisions: ₹70 crores
  • Standard asset provisions: ₹1,810 crores (including restructured)
  • Total loan related provisions: ₹9,558 crores (2.93% of loans)
  • Provision Coverage Ratio: 71%
  • Total provisions are 88% of GNPA

Loan Book Composition (End of Period - ₹ crores)

  • Retail: ₹1,62,752 (↓4% YoY, flat QoQ) - 50% share
  • Vehicle Finance: ₹99,718 (↑3% YoY, flat QoQ) - 31% share
  • Rural Banking: ₹31,417 (↓26% YoY, ↓2% QoQ) - 10% share
  • Consumer Banking: ₹31,617 (↑3% YoY, ↑2% QoQ) - 10% share
  • SME: ₹43,295 (↓5% YoY, ↓2% QoQ) - 13% share
  • Wholesale: ₹1,20,227 (↑1% YoY, ↑11% QoQ) - 37% share
  • Large Corporates: ₹54,187 (↑2% YoY, ↑16% QoQ) - 17% share
  • Institutional & Government Banking: ₹34,601 (↓5% YoY, ↑7% QoQ) - 11% share
  • Mid Market Grp & Others: ₹31,439 (↑7% YoY, ↑6% QoQ) - 10% share
  • Overall Loan Book: ₹3,26,274 (↓2% YoY, ↑3% QoQ)

Deposit Performance

  • Average Total Deposits: ↑1% QoQ
  • Average Retail Deposits: ↑4% QoQ
  • Retail Deposit share: 49.5% vs. 47.9% QoQ
  • Share of Certificate of Deposits: Reduced by 160 bps YoY

Capital Adequacy

  • CRAR: 17.15% (↑52 bps YoY, ↓33 bps QoQ)
  • CET 1: 16.10% (vs 16.20% QoQ)
  • RWA to Assets: Not quantified
  • Liquidity Coverage Ratio: 127% (↓10% YoY, ↑7% QoQ)

Digital Banking & Distribution

  • Total Touch Points: 9,413+ (↓122 QoQ)
  • Branches/Banking Outlets: 3,137 (↑1 QoQ)
  • BFIL Branches: 3,348 (↓79 QoQ)
  • Vehicle Finance Marketing Outlets: 75 (↓27 QoQ)
  • ATMs: 2,853 (↓17 QoQ)
  • INDIE App: 12.5 million downloads, 3.4 million active users
  • INDIE for Business: 1.1 million downloads, 0.3 million active users

AI & Technology Initiatives

  • 12,000+ employees trained on AI
  • AI platforms support 15,000+ monthly users
  • 50+ ML models evaluate ~0.5 million loans monthly
  • Risk models monitor ~42 million customers

ESG & CSR Initiatives

  • Target year for Carbon Neutrality: 2032
  • Green, Climate, Social, Livelihood & inclusive portfolio: ~37% of loan book (FY26)
  • 3 Offices with LEED certification
  • 14 Branches/Lobbies with LEED certification
  • Area restored and treated: 12,237 hectares
  • Water potential created: 20.57 lakh cubic metres
  • Water harvesting structures: 391
  • Renewable energy capacity created: 100kWh
  • 19 lakh farmers served in BFIL Bharat Sanjeevani program
  • 21.5 lakh livestock treated
  • 77.8 lakh vaccinations administered
  • 8.95 lakh livestock lives saved
  • 60,200+ students supported under FLN programmes

Credit Ratings

Domestic:

  • CARE A1+ for Certificate of Deposits
  • CRISIL A1+ for certificate of deposit program/short term FD programme
  • CRISIL AA+ for Infrastructure Bonds program/Tier 2 Bonds
  • IND AA+ for Issuer Rating by India Ratings and Research
  • IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings and Research

International:

  • Ba1 for Senior Unsecured MTN programme by Moody's Investors Service

Awards & Recognition

  • 'Platinum' at Infosys Finacle Innovation Award 2026 for 'INDIE for MSMEs'
  • 6 wins in 'Best Supply Chain Solution' category at The Asset Triple A Treasurise Awards 2026