Date: 03.11.2026

Profitability

Net Profit for Q2FY27 stands at ₹23,038 crores, witnessing a growth of 14.28% YoY (Q2FY26: ₹20,160 crores) and 9.07% QoQ (Q1FY27: ₹21,121 crores).

Operating Profit for Q2FY27 grew by 7.28% YoY to ₹34,226 crores (Q2FY26: ₹31,904 crores) and increased 2.08% QoQ (Q1FY27: ₹33,529 crores).

Net Interest Income (NII) for Q2FY27 increased by 14.69% YoY to ₹49,143 crores (Q2FY26: ₹42,847 crores) and grew 4.58% QoQ (Q1FY27: ₹46,992 crores). For H1FY27, NII stands at ₹96,135 crores, up 14.78% YoY (H1FY26: ₹83,754 crores).

Net Interest Margin (NIM) for Q2FY27:

  • Whole Bank NIM: 2.94%, improving by 8 bps QoQ
  • Domestic NIM: 3.11%, improving by 11 bps QoQ and 3 bps YoY

For H1FY27:

  • Whole Bank NIM: 2.90%
  • Domestic NIM: 3.06%, improving by 2 bps YoY

Return Ratios for the half year:

  • ROA: 1.14%
  • ROE: 18.68%

Loan loss provisions for Q2FY27 decreased by 33.23% YoY to ₹2,759 crores (Q2FY26: ₹4,132 crores) and decreased 17.86% QoQ (Q1FY27: ₹3,359 crores).

Balance Sheet

Business levels at ~₹115 trillion.

Advances Performance:

  • Whole Bank Advances: ₹52,08,344 crores, growing 17.84% YoY and 3.19% QoQ
  • Domestic Advances: Growth of 16.94% YoY
  • Foreign Offices' Advances: Grew by 22.86% YoY in Rupee terms and 13.84% in Dollar terms

RAM Advances grew by 17.34% YoY:

  • Agri Advances: 22.64% YoY growth
  • SME Advances: 21.97% YoY growth
  • Retail Personal Advances: 14.54% YoY growth
  • Home loans: ₹9,85,537 crores, growing 11.94% YoY and 2.73% QoQ

Corporate Advances registered YoY growth of 16.12% to ₹14,39,156 crores, with 1.30% QoQ growth.

Deposits Performance:

  • Whole Bank Deposits: ₹62,77,919 crores, growing 12.27% YoY and 4.53% QoQ
  • CASA Deposits: Grew by 8.13% YoY to ₹22,96,883 crores, with 1.59% QoQ growth
  • Retail Term Deposits: Registered YoY growth of 16.74%
  • CASA Ratio: 38.32% as on 30th September 2026 (down 131 bps YoY and 92 bps QoQ)

Asset Quality

Gross NPA Ratio at 1.39% improved by 34 bps YoY and 8 bps QoQ.

Net NPA Ratio at 0.36% improved by 6 bps YoY and 2 bps QoQ.

Gross NPA amount: ₹72,529 crores, decreased 4.87% YoY and 2.35% QoQ.

Net NPA amount: ₹18,546 crores, increased 0.47% YoY but decreased 3.20% QoQ.

Provision Coverage Ratio:

  • PCR: 74.43%
  • PCR (incl. AUCA): 91.83%

Slippage Ratio for Q2FY27 improved by 4 bps YoY and stands at 0.41%.

Credit Cost for Q2FY27 stands at 0.22%, a reduction of 17 bps YoY.

Capital Adequacy

Capital to Risk Weighted Assets Ratio (CRAR) as at the end of Q2FY27 stands at 16.09%, improving by 147 bps YoY and 42 bps QoQ.

Tier-1 ratio stands at 14.34%, improving by 167 bps YoY and 44 bps QoQ.

CET-1 ratio stands at 13.34%, improving by 187 bps YoY and 45 bps QoQ.

Financial Summary Table

| ₹ in Crores | Q2FY26 | Q1FY27 | Q2FY27 | QoQ % | YoY % | H1FY26 | H1FY27 | YoY % |

| Interest Income | 1,19,517 | 1,27,896 | 1,32,019 | 3.22 | 10.46 | 2,37,347 | 2,59,915 | 9.51 |

| Interest Expenses | 76,670 | 80,904 | 82,876 | 2.44 | 8.09 | 1,53,593 | 1,63,780 | 6.63 |

| Net Interest Income | 42,847 | 46,992 | 49,143 | 4.58 | 14.69 | 83,754 | 96,135 | 14.78 |

| Operating Profit | 31,904 | 33,529 | 34,226 | 2.08 | 7.28 | 62,449 | 67,755 | 8.50 |

| Loan loss provisions | 4,132 | 3,359 | 2,759 | -17.86 | -33.23 | 9,066 | 6,118 | -32.52 |

| Profit after tax | 20,160 | 21,121 | 23,038 | 9.07 | 14.28 | 39,320 | 44,159 | 12.31 |