Board Meeting Details

The Board of Directors meeting was held on July 18, 2026. It commenced at 10:45 a.m. and concluded at 12:20 p.m.

Key Financial Figures (Standalone - Rs. in lacs)

  • Total Income: ₹36,315.00 (Quarter Ended 30.06.2026, Reviewed)
  • Interest Expended: ₹29,711.53
  • Operating Profit (before Provisions & Contingencies): ₹6,978.01
  • Provisions (other than tax) and contingencies: ₹7,519.20
  • of which provisions for Non Performing Assets: ₹541.19
  • Profit from ordinary activities before tax: ₹6,978.01
  • Tax Expenses: ₹1,724.72
  • Net Profit from ordinary activities after tax: ₹5,253.29
  • Extraordinary items (net of tax expense): ₹0
  • Net Profit for the period: ₹5,253.29
  • Paid-up equity Share Capital (Face value ₹2/- each): ₹2,298.59
  • Reserves excluding revaluation reserves: ₹129,987.81 (as per Balance sheet of previous year)

Key Financial Figures (Consolidated - Rs. in lacs)

  • Net Profit after minority interest: ₹5,814.72 (Quarter Ended 30.06.2026, Reviewed)
  • Share in Profit of associates: ₹495.62
  • Minority Interest: ₹20.05

Analytical Ratios (Standalone)

  • Share holding of Govt. of India (%): 70.08
  • Capital Adequacy Ratio - Basel-III (%): 18.13
  • CET 1 Ratio (%): 14.52
  • Additional Tier 1 Ratio (%): 1.53
  • Earnings per Share (EPS) not annualized (in ₹):
  • Basic and diluted EPS before extraordinary items: 4.57
  • Basic and diluted EPS after extraordinary items: 4.57
  • NPA Ratios:
  • Amount of Gross NPAs: ₹353,808.00 (excluding provisions & contingencies)

Summarised Statement of Assets and Liabilities (Standalone as of 30.06.2026, Rs. in Lacs)

CAPITAL & LIABILITIES

  • Capital: ₹2,298.59
  • Reserves & Surplus: ₹146,208.29
  • Deposits: ₹17,248,372.90
  • Borrowings: ₹792,636.60
  • Other Liabilities and Provisions: ₹377,039.00
  • TOTAL: ₹19,903,117.30

ASSETS

  • Cash & Balances with Reserve Bank of India: ₹712,427.40
  • Balances with Banks & Money at Call & Short Notice: ₹903,115.30
  • Investments: ₹4,862,219.80
  • Advances: ₹12,413,988.60
  • Fixed Assets: ₹155,232.80
  • Other Assets: ₹856,133.40
  • TOTAL: ₹19,903,117.30

Notes to Financial Results

1. Financial results prepared in accordance with Accounting Standard 25 (AS-25) "Interim Financial Reporting".

2. Results reviewed by the Audit Committee and Statutory Central Auditors as per SEBI LODR Regulations.

3. Provisions made as per RBI guidelines, judicial pronouncements, and ICAI accounting standards.

4. No material changes in Significant Accounting Policies compared to the year ended March 31, 2026.

5. Consolidated results include 5 Subsidiaries and 11 Associates.

6. RBI Circular Impact: As per RBI/2026-27/83DOR.MRG.REC.No.71/00-00-001/2026-27 dated May 18, 2026, the requirement to maintain Investment Fluctuation Reserve (IFR) was discontinued. The Bank transferred the outstanding IFR balance of ₹4,143.55 crore to Other Reserves (General Reserve).

7. Provision of ₹6,762.63 Crore held for accounts under IBC (RBI List-1 and List 2).

8. No dispensation availed in respect of frauds as per RBI Circular dated November 28, 2025. No un-amortized amount carried forward.

9. Additional provision of ₹2,377.53 Crore held in 15 accounts as per RBI Stressed Assets Directions, 2025.

10. MSME restructured accounts summary as on June 30, 2026: 1455 Accounts, Amount involved: ₹288.65 Crore.

11. Restructured accounts under COVID-19 Resolution Framework 2.0: Amount involved: ₹1,126.65 Crore.

12. Digital Banking identified as a sub-segment under Retail Banking. 8 Digital Banking Units (DBUs) operating.

13. Additional provision of ₹98.02 Crore on standard accounts restructured under COVID-19 frameworks.

14. Floating provision of ₹390 Crore made during the quarter. Total floating provision held: ₹2,435 Crore.

15. Detailed disclosure on project finance provided as per RBI directions.

16. Provision of ₹254.03 Crore held for Unhedged Foreign Currency Exposure (UFCE).

17. Details of Co-Lending Arrangements (CLA) provided: Quantum ₹795.21 Crore, Total loan outstanding ₹795.21 Crore (Standard: ₹767.39 Crore, NPA: ₹27.82 Crore).

18. Provisioning Coverage Ratio (including Technically Written off accounts): 97.23% (June 30, 2026).

19. Details of loans transferred/acquired during the quarter provided.

20. Other income includes income from non-fund-based banking activities, fees, forex, profit/loss on asset sales, etc.

21. Pillar 3 disclosures under BASEL III are available on the Bank's website.

22. Investor complaints: Pending at Beginning: 0, Received: 15; Disposed off: 15; Closing: 0.

Segment Reporting (Rs. in lacs)

PART A - BUSINESS SEGMENTS (Standalone, Quarter Ended 30.06.2026, Reviewed)

  • Treasury Operations: Segment Revenue: ₹10,118.68, Segment Result/Profit: ₹1,542.51
  • Corporate/Wholesale Banking: Segment Revenue: ₹15,234.12, Segment Result/Profit: ₹3,886.70
  • Retail Banking: Segment Revenue: ₹10,414.36, Segment Result/Profit: ₹2,777.87
  • Digital Banking (sub-segment): Segment Revenue: ₹0.31, Segment Result/Profit: -₹2.15
  • Other Banking Operations: Segment Revenue: ₹551.54, Segment Result/Profit: ₹216.24
  • Total Segment Revenue: ₹36,318.70
  • Total Segment Result/Profit: ₹8,853.31
  • Unallocated Expenditure: ₹1,290.56
  • Profit before Tax: ₹6,978.01

PART B - GEOGRAPHICAL SEGMENTS (Standalone, Quarter Ended 30.06.2026, Reviewed)

  • Domestic: Revenue: ₹36,015.00, Assets: ₹187,617,105.00
  • International: Revenue: ₹1,215.73, Assets: ₹11,414,068.00

Auditors' Limited Review Report

  • The unaudited standalone and consolidated financial results were reviewed by the statutory auditors (Ummed Jain & Co, N K Bhargava & Co, Prem Gupta & Co, P A & Associates).
  • The review was conducted as per Standard on Review Engagements (SRE) 2410.
  • The review relied on returns from 20 domestic branches, 1 treasury division, 1 credit card division, 1 international banking unit (GIFT City), and 1 foreign branch (Dubai), alongside reports from concurrent auditors and centralized data.
  • Based on their review, nothing has come to their attention that causes them to believe the statements contain any material misstatement.

Security Cover Certificate

  • A Security Cover Certificate for the quarter ended June 30, 2026, was enclosed as per Regulation 54 of SEBI (LODR) Regulations 2015.
  • The certificate details listed unsecured debt securities totaling ₹32,156.00 Crore across 16 issuances.
  • The certificate confirms compliance with all covenants/terms of the issue, with no exceptions reported (NIL).