Key Highlights
Highest ever Operating Profit achieved at ₹ 7081 Crore
Global Business grew by 11.6% on Y-o-Y basis to ₹27,19,276 Crore as on June’25 from ₹24,36,929 Crore as on June’24.
Global Deposits registered a growth of 12.9% on Y-o-Y basis to ₹15,89,379 Crore as on June’25 from ₹14,08,247 Crore as on June’24.
Global Advances increased by 9.8% on Y-o-Y basis to ₹11,29,898 Crore as on June’25 from ₹10,28,682 Crore as on June’24.
CD Ratio stood at 71.09% as on June’25 as against 71.28% in March’25.
GNPA ratio improved by 120 bps on Y-o-Y basis to 3.78% as on June’25 from 4.98% as on June’24.
NNPA ratio improved by 22 bps on Y-o-Y basis to 0.38% as on June’25 from 0.60% as on June’24.
Provision Coverage Ratio (including TWO) improved by 98 bps on Y-o-Y basis to 96.88% as on June’25 from 95.90% as on June’24.
Provision Coverage Ratio (Excluding TWO) improved by 189 bps on Y-o-Y basis to 90.32% as on June’25 from 88.43% as on June’24.
Slippage ratio improved by 5 bps on Y-o-Y basis to 0.71% as on June’25 from 0.76% as on June’24.
Credit Cost improved by 18 bps on Y-o-Y basis to 0.14% in Q1 FY’26 from 0.32% in Q1 FY’25.
Profit before Tax increased Y-o-Y by 28.3% to ₹6,758 Crore in Q1 FY’26 as against ₹5,269 Crore in Q1 FY’25.
Global Net Interest Margin stands at 2.7% in Q1 FY’26.
Net Interest Income (NII) increased to ₹10,578 Crore in Q1 FY’26 from ₹10,476 Crore in Q1 FY’25 showing an improvement of 1.0% on Y-o-Y basis.
Business Performance in Key Parameters
Deposits
Savings Deposits increased to ₹4,97,981 Crore registering a Y-o-Y growth of 2.8%.
Current Deposits stood at ₹70,656 Crore as on June’25 registering a Y-o-Y growth of 9.2%.
CASA Deposits increased to ₹5,68,638 Crore recording a Y-o-Y growth of 3.6%.
CASA Share of the bank stands at 36.99% as on June’25.
Advances
Total Retail credit increased by 11.8% Y-o-Y to ₹2,62,219 Crore in June’25.
The bank grew under Core Retail Advances recording a Y-o-Y growth of 17.7%. Within Core Retail Credit:
Housing Loan grew by 16.6% Y-o-Y to ₹1,18,708 Crore.
Vehicle loan posted a growth of 25.3% Y-o-Y to reach ₹27,229 Crore.
Agriculture Advances grew by 6.2% on Y-o-Y basis to ₹1,78,885 Crore.
MSME Advances increased Y-o-Y by 18.6% to ₹1,69,426 Crore.
Asset Quality
Gross Non-Performing Assets (GNPA) declined by ₹8,590 Crore to ₹42,673 Crore as on June’25 from ₹51,263 Crore as on June’24.
Net Non-Performing Assets (NNPA) declined by ₹1,798 Crore to ₹4,132 Crore as on June’25 from ₹5930 Crore as on June’24.
Profitability
Total Income of the Bank is at ₹37,232 Crore for Q1 FY’26 increased from ₹32,166 Crore for Q1 FY’25, recording a growth of 15.7% on Y-o-Y basis.
Total Interest Income of the Bank is at ₹31,964 Crore for Q1 FY’26 increased from ₹28,556 Crore for Q1 FY’25, recording a growth of 11.9% on Y-o-Y basis.
Fee based income of the Bank is at ₹2,250 Crore for Q1 FY’26 increased from ₹2,077 Crore for Q1 FY’25, recording a growth of 8.3% on Y-o-Y basis.
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