Key Financial Performance (Rs. in lakh)

Income Statement:

  • Interest earned: ₹304,942 lakh (Q1 FY27) vs ₹256,855 lakh (Q1 FY26)
  • Interest/discount on advances/bills: ₹251,624 lakh
  • Income on investments: ₹51,065 lakh
  • Interest on balances with RBI & other interbank funds: ₹1,805 lakh
  • Other interest: ₹448 lakh
  • Other income: ₹44,179 lakh
  • Total income: ₹349,121 lakh (15.8% YoY growth)
  • Interest expended: ₹162,667 lakh
  • Operating expenses: ₹76,894 lakh
  • Employees cost: ₹39,927 lakh
  • Other operating expenses: ₹36,967 lakh
  • Operating profit before provisions: ₹109,560 lakh
  • Provisions (other than tax): ₹9,029 lakh
  • Profit before tax: ₹100,531 lakh
  • Tax expense: ₹24,961 lakh
  • Net profit after tax: ₹75,570 lakh (45% YoY growth from ₹52,145 lakh in Q1 FY26)

Balance Sheet & Capital:

  • Paid-up equity share capital: ₹19,333 lakh (Face Value ₹2 per share)
  • Net worth: ₹14,52,634 lakh
  • Capital adequacy ratio (Basel III): 18.61% (vs 18.76% in previous quarter)

Asset Quality:

  • Gross NPA: ₹77,189 lakh (0.74% of advances)
  • Net NPA: ₹19,576 lakh (0.19% of advances)
  • Provision Coverage Ratio: 96.21%

Ratios:

  • Return on assets (annualized): 2.11%
  • Basic EPS: ₹7.82 (vs ₹5.40 in Q1 FY26)
  • Diluted EPS: ₹7.82
  • Debt/equity ratio: 0.04

Segment Reporting (Rs. in lakh)

The Bank operates in Treasury, Corporate/Wholesale banking, Retail banking (Digital Banking & Other Retail Banking) and other banking operations segments:

Segment Revenue:

  • Treasury: ₹56,411 lakh
  • Corporate/Wholesale banking: ₹64,629 lakh
  • Retail banking: ₹225,113 lakh
  • Other banking operations: ₹2,968 lakh

Segment Results:

  • Treasury: ₹16,404 lakh
  • Corporate/Wholesale banking: ₹22,748 lakh
  • Retail banking: ₹75,913 lakh
  • Other banking operations: ₹2,382 lakh

Segment Assets:

  • Total segment assets: ₹144,36,410 lakh
  • Treasury: ₹320,8519 lakh
  • Corporate/Wholesale banking: ₹232,5887 lakh
  • Retail banking: ₹826,2369 lakh
  • Unallocated: ₹639,635 lakh

Notes

  • Figures for previous periods have been re-grouped/re-classified for comparability
  • EPS for quarter ended June 30, 2025 reflects effect of bonus shares issued in quarter ended September 30, 2025
  • The Bank has no Subsidiaries/Associates/Joint ventures as on June 30, 2026