Summary of Key Information:

Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026 (Q2 FY27)

Nature of Filing / Announcement: Outcome of Board Meeting - Unaudited Standalone and Consolidated Financial Results

Date of Board Meeting / Approval: October 17, 2026 (Meeting commenced at 10:00 AM, financial results agenda commenced at 04:30 PM, concluded at 07:10 PM)

Audit Opinion: Modified opinion

Auditor's Comment: Joint Statutory Auditors issued a qualified conclusion due to the Supreme Court judgment on Additional Tier 1 Bonds amounting to ₹8,415 crore. The financial results do not reflect the resultant financial impact of this judgment, which may materially affect the reported financial position and performance.

Key Financial Highlights [in ₹ lakhs]:

Standalone Results:

Quarter ended September 30, 2026:

  • Interest earned: ₹1,497,471
  • Total Income: ₹2,036,361
  • Net Profit: ₹108,000
  • EPS: ₹0.34 (Basic and Diluted)
  • Capital Adequacy Ratio (Basel III): 14.5%
  • Gross NPA: ₹405,531 (1.2%)
  • Net NPA: ₹75,705 (0.2%)
  • Return on assets (average annualized): 0.9%
  • Net worth: ₹5,326,755
  • Borrowings: ₹7,773,422

Half Year ended September 30, 2026:

  • Interest earned: ₹3,016,883
  • Total Income: ₹3,692,817
  • Net Profit: ₹215,099
  • EPS: ₹0.69 (Basic and Diluted)

YoY Comparison (Q2 FY27 vs Q2 FY26):

  • Net Profit increased 65% from ₹65,447 lakhs to ₹108,000 lakhs
  • Total Income increased 13% from ₹1,837,126 lakhs to ₹2,036,361 lakhs

Consolidated Results:

Quarter ended September 30, 2026:

  • Net Profit: ₹108,408
  • EPS: ₹0.35 (Basic and Diluted)
  • Capital Adequacy Ratio (Basel III): 14.6%

Half Year ended September 30, 2026:

  • Net Profit: ₹215,588
  • EPS: ₹0.69 (Basic and Diluted)

Segment-wise Performance [in ₹ lakhs]:

Standalone Segment Revenue (Q2 FY27):

  • Treasury: ₹217,007
  • Corporate Banking: ₹363,342
  • Retail Banking: ₹439,690
  • Other Banking Operations: ₹26,830
  • Unallocated: ₹7,540

Standalone Segment Results (Q2 FY27):

  • Treasury profit: ₹71,526
  • Corporate Banking profit: ₹57,298
  • Retail Banking loss: ₹(1,462)
  • Other Banking Operations profit: ₹18,912
  • Unallocated loss: ₹(10,230)

Corporate Actions:

  • The Bank allotted 2,305,490 equity shares in Q2 FY27 and 9,310,662 equity shares in H1 FY27 of ₹2 each pursuant to exercise of stock options by employees under approved employee stock option schemes
  • No dividend declared

Other Significant Information:

Asset Quality:

  • Gross NPA improved to 1.2% (September 2026) from 1.6% (September 2025)
  • Net NPA improved to 0.2% (September 2026) from 0.3% (September 2025)

COVID-19 Resolution Framework:

  • Total exposure to accounts classified as standard under resolution frameworks: ₹165.12 crore
  • Of which, ₹5.45 crore slipped into NPA during half-year

Co-Lending Arrangements:

  • 3 CLA partners with 259,850 outstanding cases
  • Gross outstanding of ₹3,869.66 crore
  • Weighted average rate of interest: 12.57%

Projects Under Implementation:

  • 80 accounts with total outstanding of ₹6,391.63 crore
  • 16 accounts sanctioned during quarter with ₹973.91 crore