Expressnews
Profitability:
- Net Profit increased by 43.20% to ₹ 1,505 crore in Q4FY26 on Y-o-Y basis as against ₹ 1,051 crore for Q4FY25. Net Profit for 12 months stands at ₹ 5,208 Crore, up by 56.16 %.
- Operating Profit increased by 1.80% to ₹ 2,665 crore in Q4FY26 on Y-o-Y basis as against ₹ 2,618 crore for Q4FY25. Operating Profit for 12 months stands at ₹ 10,026 Crore, up by 15.40%.
- Net Interest Income (NII) increased by 11.11% to ₹ 3,470 crore in Q4FY26 on Y-o-Y basis as against ₹ 3,123 crore for Q4FY25. Net Interest Income for 12 months stands at ₹ 12,574 Crore, up by 15.46%.
- Domestic NIM stands at 3.35 % while global NIM stands at 3.25 % in Q4FY26
- ROA increased by 20 bps to 1.32 % for Q4FY26 as against 1.12 % for Q4FY25
- Cost to Income Ratio decreased to 44.02 % for Q4FY26 as against 44.35 % for Q4FY25.
Business:
- The Bank’s total business increased by ₹ 1.16 lakh Crore, reaching ₹ 6.79 lakh Crore as on March 2026 from ₹ 5.62 lakh Crore as on March 2025 registering Y-o-Y growth of 20.76%
- CASA deposits registered a growth of 10.85 % YoY and stands at ₹ 1.51 lakh crore as on March 2026.
- Domestic CASA ratio increased by 17 bps to 41.46 % as on March 2026 from 41.29 % as on December 2025. Similarly, Global CASA ratio increased by 14 bps to 40.99 % as on March 2026 from 40.85 % as on December 2025
- Retail Term Deposit (RTD) increased by 17.81% to ₹ 1.84 lakh crore
- Total Deposits increased by 18.03% YoY to ₹ 3.68 lakh Crore
- Retail, Agri & MSME Credit Increased by 45.12%, 39.27% & 13.08 % respectively
- RAM (Retail, Agri. & MSME) Business grew by 34.91% on Y-o-Y basis.
- Total advance of the bank increased by 24.16 % to ₹ 3.10 lakh crore as on March 2026.
Asset Quality:
- Gross NPA ratio at 1.42% reduced by 72 bps YoY.
- Net NPA ratio at 0.21% reduced by 16 bps YoY.
- Provision Coverage Ratio (PCR) increased by 20 pbs YoY and stands at 97.50%
- Credit Cost for Q4FY26 stands at 0.30% reduced by 3 bps YoY
Slippages (Fresh Addition):
- Total slippages for Q4 FY26 stood at ₹366 Cr, while full-year slippages were contained at ₹1,211 Cr.
- Slippage ratio remained low at 0.13% for Q4 FY26 and 0.49% for the full year
- The Bank reported nil slippages in Corporate & Overseas segments over the last two quarters, with the Corporate book maintaining zero slippages for the entire FY 2025–26.
Recovery of NPA:
- Total Recovery for Q4FY26 increased to ₹960 from ₹890 Crore for Q3FY26
- Recovery from the written off accounts (technical write off & set off) for Q4FY26 stands at ₹564 Crore
RECOVERY Vs SLIPPAGE:
| Particulars | Q4 FY26 | FY25-26 |
| Slippages (₹ Cr) | 366 | 1,211 |
| Recoveries (₹ Cr) | 960 | 3,576 |
| Recovery / Slippage (x) | 2.62 times | 2.95 times |
Capital Adequacy:
- Capital Adequacy Ratio (CAR) for Q4FY26 increased by 74 bps to 19.78 % at 19.04%.
- Tier-I stood at 16.94% and Tier-II stood at 2.84% as of March 2026.
Expansion of Branch Network and Customer Touch Point:
- The Bank strengthened its pan-India presence by adding 159 branches, taking the network to 3,494 (from 3,335 in Mar’25).
- Of the total branches, 2,040 (58%) are in rural & semi-urban areas, reinforcing financial inclusion.
- ATM/CR network expanded by 154, reaching 3,651 as of March 2026.
- Business Correspondents increased by 2,052 to 12,187 (from 10,135).
- Total customer touchpoints stood at 19,332 as on March 31, 2026.
| FOR THE QUARTER ( 3 MONTHS) | |||||
| Amt. in Crore | |||||
| PARAMETERS (EXCL TWO) | FOR THE QUARTER | Y-o-Y | Q-o-Q | ||
| Mar-25 | Dec-25 | Mar-26 | (%) | (%) | |
| NET PROFIT | 1,051 | 1,365 | 1,505 | ||
| OPERATING PROFIT | 2,618 | 2,603 | 2,665 | ||
| NET INTEREST INCOME (NII) | 3,123 | 3,299 | 3,470 | ||
| NIM-DOMESTIC | 3.77% | 3.42% | 3.35% | ||
| NIM-GLOBAL | 3.58% | 3.32% | 3.25% | ||
| COST TO INCOME RATIO | 44.35% | 45.74% | 44.02% | ||
| RETURN ON ASSET (ROA) | 1.12% | 1.28% | 1.32% | ||
| RETURN ON EQUITY (ROE) | 19.53% | 20.98% | 21.94% | +241 bps | |
| GROSS NPA % | 2.14% | 1.54% | 1.42% | ||
| NET NPA % | 0.37% | 0.24% | 0.21% | ||
| PCR % | 97.30% | 97.49% | 97.50% | +1 bps | |
| CREDIT COST % | 0.33% | 0.44% | 0.30% | -14 bps | |
| SLIPPAGE RATIO | 1.19% | 0.11% | 0.13% | ||
| CRAR % | 19.04% | 16.30% | 19.78% | ||
| CASA DEPOSIT | 1,36,161 | 1,42,676 | 1,50,936 | ||
| CASA RATIO-DOMESTIC | 44.05% | 41.29% | 41.46% | ||
| CASA RATIO-GLOBAL | 43.65% | 40.85% | 40.99% | ||
| RETAIL TERM DEPOSIT | 1,55,846 | 1,75,145 | 1,83,601 | ||
| TOTAL DEPOSIT | 3,11,938 | 3,49,302 | 3,68,191 | ||
| TOTAL ADVANCES | 2,50,019 | 2,94,974 | 3,10,423 | ||
| TOTAL BUSINESS | 5,61,958 | 6,44,276 | 6,78,614 | ||
