Private Sector Banks

Profitability

Income Statement & Cost Ratios — All Private Sector Banks · Rs. Crores

₹470,381 Cr

Total Interest Income

Base Year

₹246,459 Cr

Net Interest Income

Base Year

₹100,839 Cr

Other Income

Base Year

₹155,590 Cr

Total Operating Expenses

Base Year

₹191,708 Cr

Pre-Prov. Operating Profit

Base Year

₹63,441 Cr

Total Provisions

Base Year

₹128,267 Cr

Profit Before Tax

Base Year

₹96,928 Cr

Profit After Tax

Base Year

Bank-wise Comparison · FY22

Total Income by Bank · FY22

Net Interest Income by Bank · FY22

Operating Expenses by Bank · FY22

Pre-Prov. Operating Profit by Bank · FY22

Total Provisions by Bank · FY22

Profit After Tax by Bank · FY22

Income Statement — All Banks · FY22

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	49,617	12,184	3,454	1,597	2,832	650	10,830	98,512	63,834	12,100	14,174	25,143	6,015	4,738	4,525	19,379	6,317	5,069	2,953	15,095
Income on Investments	14,619	1,478	631	381	594	246	2,339	26,046	16,409	4,629	2,615	4,053	1,677	1,310	925	6,689	1,348	1,040	822	2,878
Interest on bal with RBI and others	1,528	141	16	18	54	11	220	2,552	1,561	602	241	1,288	321	32	134	723	362	334	50	702
Others	1,613	68	4	42	33	9	272	643	4,571	964	142	338	1	142	3	247	149	144	9	348
Total Interest Income	67,377	13,871	4,105	2,038	3,513	917	13,661	127,753	86,375	18,295	17,173	30,822	8,013	6,222	5,588	27,039	8,176	6,587	3,834	19,024
Other Income	15,221	2,702	759	252	451	162	2,089	29,510	18,518	4,477	3,228	7,344	744	954	784	5,986	2,419	978	812	3,450
Total Interest Expense	34,245	5,157	2,188	885	2,155	554	7,699	55,743	38,908	9,133	7,467	15,822	4,102	3,731	2,872	10,221	4,149	4,347	2,019	12,526
Net Interest Income	33,132	8,715	1,916	1,153	1,358	362	5,962	72,010	47,466	9,162	9,706	15,001	3,911	2,491	2,715	16,818	4,027	2,240	1,815	6,498
Employee Cost	7,613	2,135	504	482	539	235	2,321	12,032	9,673	3,107	2,697	3,474	2,402	1,015	945	4,582	1,002	1,193	616	2,856
Other administrative Exps	15,998	1,389	577	305	473	163	1,973	25,410	17,061	3,267	6,948	5,837	921	796	909	6,171	2,657	833	495	3,989
Total Operating Expenses	23,611	3,524	1,080	786	1,013	397	4,293	37,442	26,733	6,374	9,644	9,311	3,323	1,811	1,854	10,753	3,659	2,026	1,111	6,844
Profit Before Tax and Provisions	24,742	7,892	1,595	619	796	127	3,758	64,078	39,250	7,266	3,290	13,034	1,332	1,634	1,645	12,051	2,787	1,192	1,516	3,103
Total Provisions	7,359	7,763	610	5	406	90	1,222	15,062	8,641	3,657	3,115	6,602	320	939	714	690	2,902	1,284	392	1,667
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	270	0	0	0	0	0	0	0
Profit Before Tax	17,383	129	985	614	390	37	2,536	49,016	30,609	3,609	175	6,432	1,013	695	931	11,361	-115	-92	1,125	1,436
Income Tax	4,357	3	225	156	102	1	646	12,054	7,269	1,169	30	1,628	241	186	258	2,789	-40	-137	303	370
Profit After Tax	13,025	126	760	458	288	36	1,890	36,962	23,339	2,439	145	4,804	1,042	509	673	8,573	-75	45	822	1,066

Cost Ratios (%) — All Banks · FY22

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	73.64%	87.84%	84.15%	78.36%	80.61%	70.92%	79.28%	77.11%	73.90%	66.14%	82.54%	81.58%	75.07%	76.15%	80.99%	71.67%	77.26%	76.97%	77.02%	79.35%
Income on Investments	21.70%	10.66%	15.36%	18.69%	16.92%	26.80%	17.12%	20.39%	19.00%	25.30%	15.23%	13.15%	20.93%	21.06%	16.55%	24.74%	16.48%	15.79%	21.45%	15.13%
Interest on bal with RBI and other Banks	2.27%	1.01%	0.39%	0.90%	1.52%	1.25%	1.61%	2.00%	1.81%	3.29%	1.40%	4.18%	4.00%	0.51%	2.40%	2.68%	4.43%	5.07%	1.30%	3.69%
Others	2.39%	0.49%	0.11%	2.05%	0.94%	1.03%	1.99%	0.50%	5.29%	5.27%	0.83%	1.10%	0.01%	2.28%	0.06%	0.92%	1.83%	2.18%	0.23%	1.83%
Other Income	22.59%	19.48%	18.49%	12.36%	12.84%	17.64%	15.29%	23.10%	21.44%	24.47%	18.80%	23.83%	9.28%	15.33%	14.03%	22.14%	29.58%	14.86%	21.19%	18.13%
Total Interest Expense	50.83%	37.18%	53.31%	43.42%	61.35%	60.47%	56.36%	43.63%	45.05%	49.92%	43.48%	51.33%	51.19%	59.96%	51.40%	37.80%	50.75%	65.99%	52.65%	65.84%
Net Interest Income	49.17%	62.82%	46.69%	56.58%	38.65%	39.53%	43.64%	56.37%	54.95%	50.08%	56.52%	48.67%	48.81%	40.04%	48.60%	62.20%	49.25%	34.01%	47.35%	34.16%
Employee Cost	11.30%	15.39%	12.27%	23.64%	15.35%	25.59%	16.99%	9.42%	11.20%	16.98%	15.70%	11.27%	29.97%	16.31%	16.91%	16.95%	12.25%	18.12%	16.06%	15.01%
Other administrative Exps	23.74%	10.01%	14.05%	14.94%	13.48%	17.73%	14.44%	19.89%	19.75%	17.86%	40.46%	18.94%	11.49%	12.79%	16.27%	22.82%	32.50%	12.65%	12.92%	20.97%
Total Operating Expenses	35.04%	25.40%	26.32%	38.58%	28.82%	43.32%	31.43%	29.31%	30.95%	34.84%	56.16%	30.21%	41.46%	29.11%	33.18%	39.77%	44.75%	30.76%	28.98%	35.98%
Profit Before Tax and Provisions	36.72%	56.90%	38.86%	30.36%	22.66%	13.84%	27.51%	50.16%	45.44%	39.71%	19.16%	42.29%	16.63%	26.26%	29.45%	44.57%	34.08%	18.10%	39.55%	16.31%
Total Provisions	10.92%	55.97%	14.86%	0.22%	11.57%	9.80%	8.94%	11.79%	10.00%	19.99%	18.14%	21.42%	3.99%	15.10%	12.79%	2.55%	35.49%	19.49%	10.22%	8.77%
Profit Before Tax	25.80%	0.93%	24.00%	30.13%	11.09%	4.05%	18.56%	38.37%	35.44%	19.72%	1.02%	20.87%	12.64%	11.16%	16.66%	42.02%	-1.41%	-1.40%	29.33%	7.55%
Income Tax	6.47%	0.02%	5.48%	7.64%	2.90%	0.13%	4.73%	9.44%	8.42%	6.39%	0.17%	5.28%	3.01%	2.99%	4.61%	10.31%	-0.49%	-2.08%	7.90%	1.94%
Profit After Tax	19.33%	0.91%	18.52%	22.49%	8.18%	3.92%	13.83%	28.93%	27.02%	13.33%	0.85%	15.58%	13.00%	8.17%	12.05%	31.71%	-0.91%	0.68%	21.44%	5.60%

₹581,415 Cr

Total Interest Income

23.6% vs FY22

₹306,334 Cr

Net Interest Income

24.3% vs FY22

₹108,605 Cr

Other Income

7.7% vs FY22

₹190,207 Cr

Total Operating Expenses

22.2% vs FY22

₹224,731 Cr

Pre-Prov. Operating Profit

17.2% vs FY22

₹42,858 Cr

Total Provisions

-32.4% vs FY22

₹181,873 Cr

Profit Before Tax

41.8% vs FY22

₹124,089 Cr

Profit After Tax

28.0% vs FY22

Bank-wise Comparison · FY23

Total Income by Bank · FY23

Net Interest Income by Bank · FY23

Operating Expenses by Bank · FY23

Pre-Prov. Operating Profit by Bank · FY23

Total Provisions by Bank · FY23

Profit After Tax by Bank · FY23

Income Statement — All Banks · FY23

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	64,554	13,775	3,801	1,888	3,395	825	13,492	127,096	83,943	13,337	19,159	29,945	6,998	5,585	5,327	26,978	7,403	5,712	3,144	17,822
Income on Investments	18,179	1,886	835	405	712	235	2,796	31,311	20,888	5,949	3,232	4,692	2,071	1,422	1,099	6,459	1,626	1,286	904	3,565
Interest on bal with RBI and others	899	69	75	11	59	3	206	997	1,851	518	148	1,442	95	2	83	550	265	132	27	841
Others	1,532	174	3	16	34	8	310	2,182	2,549	766	188	289	192	211	8	263	107	103	6	469
Total Interest Income	85,164	15,905	4,714	2,320	4,200	1,071	16,804	161,586	109,231	20,570	22,728	36,368	9,355	7,220	6,517	34,251	9,401	7,233	4,081	22,697
Other Income	16,143	2,469	810	316	409	75	2,330	31,215	19,831	4,372	4,467	8,166	757	993	1,159	7,235	2,489	813	629	3,927
Total Interest Expense	42,218	6,645	2,552	986	2,483	595	9,571	74,743	47,103	9,139	10,092	18,776	4,610	4,035	3,168	12,699	4,678	4,221	1,987	14,780
Net Interest Income	42,946	9,260	2,163	1,334	1,717	476	7,232	86,842	62,129	11,431	12,635	17,592	4,745	3,185	3,349	21,552	4,723	3,012	2,094	7,918
Employee Cost	8,797	2,715	530	558	693	247	2,173	15,512	12,060	3,533	3,742	3,031	2,704	1,069	1,006	5,520	1,340	1,300	619	3,363
Other administrative Exps	18,243	1,922	625	384	647	180	2,595	32,140	20,813	3,534	8,428	8,381	940	900	1,026	8,419	3,670	1,017	532	5,299
Total Operating Expenses	27,041	4,637	1,155	942	1,340	427	4,768	47,652	32,873	7,067	12,170	11,412	3,644	1,969	2,032	13,939	5,010	2,317	1,150	8,661
Profit Before Tax and Provisions	32,048	7,091	1,818	707	787	123	4,794	70,405	49,087	8,736	4,932	14,346	1,858	2,208	2,476	14,848	2,202	1,507	1,573	3,183
Total Provisions	2,653	4,198	640	-26	159	92	750	11,920	6,666	3,498	1,665	4,487	74	767	1,039	457	1,022	399	179	2,220
Exceptional items	-12,490	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	29,396	2,893	1,177	734	628	32	4,045	58,485	42,421	5,238	3,267	9,860	1,784	1,441	1,437	14,391	1,181	1,108	1,394	963
Income Tax	7,326	698	240	186	162	-18	1,034	14,377	10,525	1,593	830	2,470	587	261	331	3,452	298	333	364	246
Profit After Tax	9,580	2,195	937	547	466	49	3,011	44,109	31,896	3,645	2,437	7,390	1,197	1,180	1,106	10,939	883	775	1,029	717

Cost Ratios (%) — All Banks · FY23

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	75.80%	86.61%	80.62%	81.40%	80.82%	77.05%	80.29%	78.66%	76.85%	64.84%	84.30%	82.34%	74.80%	77.35%	81.75%	78.77%	78.75%	78.97%	77.03%	78.52%
Income on Investments	21.35%	11.86%	17.71%	17.44%	16.95%	21.95%	16.64%	19.38%	19.12%	28.92%	14.22%	12.90%	22.14%	19.70%	16.87%	18.86%	17.29%	17.78%	22.16%	15.70%
Interest on bal with RBI and other Banks	1.06%	0.44%	1.59%	0.48%	1.41%	0.24%	1.23%	0.62%	1.69%	2.52%	0.65%	3.97%	1.01%	0.02%	1.27%	1.61%	2.82%	1.83%	0.67%	3.71%
Others	1.80%	1.09%	0.07%	0.68%	0.81%	0.76%	1.84%	1.35%	2.33%	3.73%	0.83%	0.80%	2.05%	2.93%	0.12%	0.77%	1.14%	1.43%	0.13%	2.07%
Other Income	18.96%	15.52%	17.19%	13.62%	9.75%	6.96%	13.87%	19.32%	18.16%	21.25%	19.65%	22.45%	8.09%	13.75%	17.78%	21.12%	26.48%	11.23%	15.42%	17.30%
Total Interest Expense	49.57%	41.78%	54.12%	42.50%	59.12%	55.59%	56.96%	46.26%	43.12%	44.43%	44.41%	51.63%	49.28%	55.89%	48.61%	37.08%	49.76%	58.36%	48.69%	65.12%
Net Interest Income	50.43%	58.22%	45.88%	57.50%	40.88%	44.41%	43.04%	53.74%	56.88%	55.57%	55.59%	48.37%	50.72%	44.11%	51.39%	62.92%	50.24%	41.64%	51.31%	34.88%
Employee Cost	10.33%	17.07%	11.25%	24.08%	16.50%	23.08%	12.93%	9.60%	11.04%	17.17%	16.47%	8.33%	28.90%	14.81%	15.44%	16.12%	14.26%	17.98%	15.16%	14.82%
Other administrative Exps	21.42%	12.08%	13.25%	16.55%	15.40%	16.79%	15.44%	19.89%	19.05%	17.18%	37.08%	23.05%	10.05%	12.47%	15.74%	24.58%	39.03%	14.06%	13.03%	23.35%
Total Operating Expenses	31.75%	29.15%	24.50%	40.63%	31.89%	39.87%	28.37%	29.49%	30.10%	34.35%	53.55%	31.38%	38.95%	27.28%	31.18%	40.70%	53.29%	32.04%	28.19%	38.16%
Profit Before Tax and Provisions	37.63%	44.59%	38.56%	30.50%	18.73%	11.50%	28.53%	43.57%	44.94%	42.47%	21.70%	39.45%	19.87%	30.58%	37.99%	43.35%	23.43%	20.84%	38.54%	14.02%
Total Provisions	3.11%	26.40%	13.59%	-1.13%	3.79%	8.55%	4.46%	7.38%	6.10%	17.00%	7.33%	12.34%	0.79%	10.63%	15.94%	1.33%	10.87%	5.52%	4.39%	9.78%
Profit Before Tax	34.52%	18.19%	24.98%	31.63%	14.94%	2.95%	24.07%	36.19%	38.84%	25.46%	14.38%	27.11%	19.07%	19.96%	22.05%	42.02%	12.56%	15.32%	34.15%	4.24%
Income Tax	8.60%	4.39%	5.09%	8.03%	3.86%	-1.66%	6.15%	8.90%	9.64%	7.74%	3.65%	6.79%	6.27%	3.61%	5.08%	10.08%	3.17%	4.61%	8.93%	1.08%
Profit After Tax	11.25%	13.80%	19.89%	23.60%	11.08%	4.61%	17.92%	27.30%	29.20%	17.72%	10.72%	20.32%	12.80%	16.35%	16.97%	31.94%	9.39%	10.72%	25.22%	3.16%

₹795,886 Cr

Total Interest Income

36.9% vs FY23

₹366,526 Cr

Net Interest Income

19.6% vs FY23

₹145,230 Cr

Other Income

33.7% vs FY23

₹238,878 Cr

Total Operating Expenses

25.6% vs FY23

₹272,878 Cr

Pre-Prov. Operating Profit

21.4% vs FY23

₹50,001 Cr

Total Provisions

16.7% vs FY23

₹222,877 Cr

Profit Before Tax

22.5% vs FY23

₹175,250 Cr

Profit After Tax

41.2% vs FY23

Bank-wise Comparison · FY24

Total Income by Bank · FY24

Net Interest Income by Bank · FY24

Operating Expenses by Bank · FY24

Pre-Prov. Operating Profit by Bank · FY24

Total Provisions by Bank · FY24

Profit After Tax by Bank · FY24

Income Statement — All Banks · FY24

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	87,107	16,506	4,153	2,460	4,238	962	17,735	207,220	110,944	17,971	25,916	38,119	8,609	6,525	6,851	35,658	9,978	6,891	3,758	21,087
Income on Investments	20,011	2,014	959	424	1,050	221	3,692	44,364	28,631	7,738	4,118	6,202	2,265	1,500	1,331	8,898	2,034	1,552	1,056	4,958
Interest on bal with RBI and others	908	78	154	15	32	7	339	2,040	1,791	340	94	1,157	37	18	22	779	162	88	31	458
Others	1,343	272	4	29	42	17	423	4,716	1,525	378	195	270	301	255	9	463	220	83	3	1,082
Total Interest Income	109,369	18,870	5,271	2,928	5,362	1,207	22,188	258,341	142,891	26,426	30,322	45,748	11,212	8,298	8,213	45,799	12,394	8,613	4,848	27,586
Other Income	22,442	2,165	742	592	474	153	3,079	49,241	22,958	3,611	6,002	9,388	825	1,319	1,649	10,273	3,043	1,516	645	5,114
Total Interest Expense	59,474	8,544	3,147	1,451	3,434	749	13,895	149,808	68,585	12,240	13,872	25,132	6,009	5,000	4,395	19,806	6,351	5,281	2,697	19,491
Net Interest Income	49,894	10,326	2,123	1,476	1,928	458	8,293	108,532	74,306	14,186	16,451	20,616	5,204	3,299	3,818	25,993	6,043	3,332	2,151	8,095
Employee Cost	10,933	3,543	614	721	794	331	2,823	22,240	15,142	4,254	4,893	3,895	2,572	1,373	1,461	6,856	1,492	1,693	686	3,774
Other administrative Exps	24,280	2,308	735	568	743	211	3,375	41,146	23,991	3,951	11,323	10,368	1,181	1,081	1,178	9,822	4,563	1,287	628	6,048
Total Operating Expenses	35,213	5,851	1,348	1,288	1,538	542	6,198	63,386	39,133	8,205	16,216	14,263	3,752	2,454	2,639	16,679	6,055	2,980	1,314	9,823
Profit Before Tax and Provisions	37,123	6,639	1,517	780	864	69	5,175	94,387	58,131	9,592	6,237	15,740	2,277	2,163	2,829	19,587	3,031	1,868	1,482	3,386
Total Provisions	4,063	3,697	286	18	142	-1	196	23,492	3,643	1,397	2,382	3,799	-108	601	729	1,574	1,778	339	88	1,886
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	33,060	2,943	1,231	761	722	70	4,978	70,895	54,488	8,195	3,855	11,942	2,385	1,563	2,100	18,014	1,252	1,529	1,394	1,500
Income Tax	8,199	713	215	195	186	13	1,258	10,083	13,600	2,561	899	2,992	617	256	495	4,232	84	459	322	249
Profit After Tax	24,861	2,230	1,016	567	536	58	3,721	60,812	40,888	5,634	2,957	8,950	1,767	1,306	1,605	13,782	1,168	1,070	1,072	1,251

Cost Ratios (%) — All Banks · FY24

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	79.64%	87.48%	78.80%	84.03%	79.04%	79.74%	79.93%	80.21%	77.64%	68.00%	85.47%	83.32%	76.78%	78.63%	83.42%	77.86%	80.51%	80.01%	77.51%	76.44%
Income on Investments	18.30%	10.67%	18.19%	14.48%	19.58%	18.28%	16.64%	17.17%	20.04%	29.28%	13.58%	13.56%	20.20%	18.08%	16.21%	19.43%	16.41%	18.02%	21.78%	17.97%
Interest on bal with RBI and other Banks	0.83%	0.41%	2.93%	0.50%	0.60%	0.60%	1.53%	0.79%	1.25%	1.29%	0.31%	2.53%	0.33%	0.22%	0.27%	1.70%	1.31%	1.02%	0.64%	1.66%
Others	1.23%	1.44%	0.08%	0.98%	0.78%	1.38%	1.91%	1.83%	1.07%	1.43%	0.64%	0.59%	2.69%	3.08%	0.11%	1.01%	1.77%	0.96%	0.07%	3.92%
Other Income	20.52%	11.47%	14.07%	20.22%	8.84%	12.64%	13.88%	19.06%	16.07%	13.66%	19.79%	20.52%	7.36%	15.89%	20.08%	22.43%	24.55%	17.60%	13.30%	18.54%
Total Interest Expense	54.38%	45.28%	59.71%	49.57%	64.05%	62.02%	62.62%	57.99%	48.00%	46.32%	45.75%	54.94%	53.59%	60.25%	53.51%	43.24%	51.24%	61.31%	55.63%	70.66%
Net Interest Income	45.62%	54.72%	40.29%	50.43%	35.95%	37.98%	37.38%	42.01%	52.00%	53.68%	54.25%	45.06%	46.41%	39.75%	46.49%	56.76%	48.76%	38.69%	44.37%	29.34%
Employee Cost	10.00%	18.78%	11.65%	24.61%	14.81%	27.44%	12.72%	8.61%	10.60%	16.10%	16.13%	8.51%	22.94%	16.54%	17.79%	14.97%	12.04%	19.66%	14.15%	13.68%
Other administrative Exps	22.20%	12.23%	13.94%	19.39%	13.86%	17.44%	15.21%	15.93%	16.79%	14.95%	37.34%	22.66%	10.53%	13.03%	14.34%	21.45%	36.81%	14.94%	12.96%	21.93%
Total Operating Expenses	32.20%	31.01%	25.58%	44.01%	28.68%	44.88%	27.93%	24.54%	27.39%	31.05%	53.48%	31.18%	33.47%	29.58%	32.13%	36.42%	48.85%	34.60%	27.11%	35.61%
Profit Before Tax and Provisions	33.94%	35.19%	28.78%	26.64%	16.12%	5.74%	23.32%	36.54%	40.68%	36.30%	20.57%	34.41%	20.31%	26.07%	34.45%	42.77%	24.45%	21.68%	30.57%	12.28%
Total Provisions	3.72%	19.59%	5.43%	0.63%	2.66%	-0.10%	0.88%	9.09%	2.55%	5.29%	7.85%	8.30%	-0.96%	7.24%	8.88%	3.44%	14.35%	3.94%	1.82%	6.84%
Profit Before Tax	30.23%	15.60%	23.35%	26.01%	13.46%	5.84%	22.44%	27.44%	38.13%	31.01%	12.71%	26.10%	21.27%	18.83%	25.57%	39.33%	10.10%	17.75%	28.75%	5.44%
Income Tax	7.50%	3.78%	4.08%	6.65%	3.47%	1.05%	5.67%	3.90%	9.52%	9.69%	2.96%	6.54%	5.51%	3.09%	6.03%	9.24%	0.68%	5.33%	6.63%	0.90%
Profit After Tax	22.73%	11.82%	19.27%	19.36%	10.00%	4.79%	16.77%	23.54%	28.62%	21.32%	9.75%	19.56%	15.76%	15.74%	19.54%	30.09%	9.42%	12.42%	22.11%	4.54%

₹909,850 Cr

Total Interest Income

14.3% vs FY24

₹401,421 Cr

Net Interest Income

9.5% vs FY24

₹156,593 Cr

Other Income

7.8% vs FY24

₹261,262 Cr

Total Operating Expenses

9.4% vs FY24

₹296,753 Cr

Pre-Prov. Operating Profit

8.7% vs FY24

₹50,724 Cr

Total Provisions

1.4% vs FY24

₹246,029 Cr

Profit Before Tax

10.4% vs FY24

₹189,160 Cr

Profit After Tax

7.9% vs FY24

Bank-wise Comparison · FY25

Total Income by Bank · FY25

Net Interest Income by Bank · FY25

Operating Expenses by Bank · FY25

Pre-Prov. Operating Profit by Bank · FY25

Total Provisions by Bank · FY25

Profit After Tax by Bank · FY25

Income Statement — All Banks · FY25

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	97,200	19,367	4,672	2,931	5,099	1,063	21,017	238,444	126,405	19,226	30,835	39,591	9,423	7,009	8,008	40,746	11,225	7,529	4,246	23,300
Income on Investments	22,928	2,182	1,073	622	1,310	226	4,542	53,320	32,980	8,255	5,317	7,663	2,669	1,466	1,622	10,829	2,147	1,592	1,017	5,694
Interest on bal with RBI and others	1,236	97	80	20	32	15	443	2,506	2,156	415	115	1,207	50	41	20	895	302	167	26	393
Others	1,312	302	8	25	29	16	364	6,247	1,723	1,005	235	207	394	497	28	450	365	125	2	1,508
Total Interest Income	122,677	21,948	5,834	3,597	6,471	1,320	26,365	300,517	163,264	28,902	36,501	48,668	12,536	9,014	9,678	52,920	14,039	9,413	5,291	30,895
Other Income	25,257	2,918	898	972	751	169	3,801	45,632	28,507	4,924	7,022	7,684	1,137	1,270	1,830	11,418	3,806	1,891	850	5,857
Total Interest Expense	68,329	10,409	3,518	2,121	4,364	837	16,897	177,847	82,099	14,276	17,210	29,636	6,742	5,703	5,418	24,578	7,576	5,928	2,990	21,951
Net Interest Income	54,348	11,539	2,316	1,476	2,107	483	9,468	122,670	81,164	14,626	19,292	19,031	5,794	3,310	4,260	28,342	6,463	3,486	2,301	8,944
Employee Cost	12,193	4,361	733	754	923	314	3,083	23,901	16,541	4,071	5,710	4,301	2,780	1,538	1,449	7,881	1,734	1,653	726	4,008
Other administrative Exps	25,307	2,708	802	784	897	244	4,085	44,274	25,831	4,401	13,189	11,769	1,220	1,214	1,428	10,873	4,908	1,454	679	6,539
Total Operating Expenses	37,500	7,068	1,535	1,538	1,820	557	7,168	68,175	42,372	8,472	18,899	16,071	4,001	2,753	2,877	18,754	6,642	3,106	1,406	10,547
Profit Before Tax and Provisions	42,105	7,389	1,679	910	1,037	95	6,101	100,127	67,299	11,079	7,415	10,645	2,930	1,827	3,212	21,007	3,627	2,270	1,746	4,254
Total Provisions	7,758	3,765	262	111	208	23	733	11,649	4,683	510	5,515	7,030	-4	186	622	2,942	2,959	513	171	1,086
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3,520	0	0	0	0
Profit Before Tax	34,347	3,623	1,417	800	829	72	5,368	88,478	62,616	10,568	1,900	3,615	2,933	1,641	2,591	18,064	668	1,757	1,575	3,168
Income Tax	7,973	878	293	206	213	5	1,316	21,131	15,389	3,053	375	972	851	368	649	5,134	-27	454	392	762
Profit After Tax	26,373	2,745	1,124	594	615	67	4,052	67,347	47,227	7,515	1,525	2,643	2,082	1,272	1,942	16,450	695	1,303	1,183	2,406

Cost Ratios (%) — All Banks · FY25

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	79.23%	88.24%	80.08%	81.47%	78.81%	80.53%	79.71%	79.34%	77.42%	66.52%	84.47%	81.35%	75.17%	77.76%	82.74%	77.00%	79.95%	79.98%	80.25%	75.42%
Income on Investments	18.69%	9.94%	18.40%	17.28%	20.25%	17.14%	17.23%	17.74%	20.20%	28.56%	14.57%	15.75%	21.29%	16.27%	16.76%	20.46%	15.30%	16.91%	19.23%	18.43%
Interest on bal with RBI and other Banks	1.01%	0.44%	1.37%	0.55%	0.49%	1.11%	1.68%	0.83%	1.32%	1.44%	0.31%	2.48%	0.40%	0.46%	0.21%	1.69%	2.15%	1.78%	0.49%	1.27%
Others	1.07%	1.37%	0.14%	0.69%	0.45%	1.22%	1.38%	2.08%	1.06%	3.48%	0.64%	0.43%	3.14%	5.51%	0.29%	0.85%	2.60%	1.33%	0.03%	4.88%
Other Income	20.59%	13.29%	15.39%	27.02%	11.60%	12.82%	14.42%	15.18%	17.46%	17.04%	19.24%	15.79%	9.07%	14.08%	18.90%	21.58%	27.11%	20.09%	16.07%	18.96%
Total Interest Expense	55.70%	47.42%	60.31%	58.96%	67.44%	63.38%	64.09%	59.18%	50.29%	49.39%	47.15%	60.90%	53.78%	63.27%	55.98%	46.44%	53.96%	62.97%	56.51%	71.05%
Net Interest Income	44.30%	52.58%	39.69%	41.04%	32.56%	36.62%	35.91%	40.82%	49.71%	50.61%	52.85%	39.10%	46.22%	36.73%	44.02%	53.56%	46.04%	37.03%	43.49%	28.95%
Employee Cost	9.94%	19.87%	12.56%	20.97%	14.27%	23.76%	11.69%	7.95%	10.13%	14.09%	15.64%	8.84%	22.18%	17.07%	14.97%	14.89%	12.35%	17.56%	13.73%	12.97%
Other administrative Exps	20.63%	12.34%	13.75%	21.79%	13.86%	18.47%	15.50%	14.73%	15.82%	15.23%	36.13%	24.18%	9.74%	13.47%	14.75%	20.55%	34.96%	15.44%	12.84%	21.16%
Total Operating Expenses	30.57%	32.21%	26.31%	42.76%	28.13%	42.23%	27.19%	22.69%	25.95%	29.31%	51.78%	33.02%	31.92%	30.54%	29.73%	35.44%	47.31%	33.00%	26.57%	34.14%
Profit Before Tax and Provisions	34.32%	33.66%	28.77%	25.30%	16.03%	7.21%	23.14%	33.32%	41.22%	38.33%	20.31%	21.87%	23.37%	20.27%	33.19%	39.70%	25.83%	24.12%	32.99%	13.77%
Total Provisions	6.32%	17.16%	4.49%	3.08%	3.22%	1.78%	2.78%	3.88%	2.87%	1.77%	15.11%	14.45%	-0.03%	2.07%	6.42%	5.56%	21.07%	5.45%	3.23%	3.51%
Profit Before Tax	28.00%	16.51%	24.28%	22.23%	12.81%	5.43%	20.36%	29.44%	38.35%	36.57%	5.21%	7.43%	23.40%	18.20%	26.77%	34.14%	4.76%	18.66%	29.76%	10.26%
Income Tax	6.50%	4.00%	5.02%	5.72%	3.30%	0.38%	4.99%	7.03%	9.43%	10.56%	1.03%	2.00%	6.79%	4.09%	6.71%	9.70%	-0.19%	4.82%	7.41%	2.47%
Profit After Tax	21.50%	12.51%	19.26%	16.51%	9.51%	5.05%	15.37%	22.41%	28.93%	26.00%	4.18%	5.43%	16.61%	14.12%	20.06%	31.08%	4.95%	13.84%	22.35%	7.79%

₹938,934 Cr

Total Interest Income

3.2% vs FY25

₹420,678 Cr

Net Interest Income

4.8% vs FY25

₹181,517 Cr

Other Income

15.9% vs FY25

₹280,150 Cr

Total Operating Expenses

7.2% vs FY25

₹322,044 Cr

Pre-Prov. Operating Profit

8.5% vs FY25

₹69,417 Cr

Total Provisions

36.9% vs FY25

₹252,628 Cr

Profit Before Tax

2.7% vs FY25

₹196,846 Cr

Profit After Tax

4.1% vs FY25

Bank-wise Comparison · FY26

Total Income by Bank · FY26

Net Interest Income by Bank · FY26

Operating Expenses by Bank · FY26

Pre-Prov. Operating Profit by Bank · FY26

Total Provisions by Bank · FY26

Profit After Tax by Bank · FY26

Income Statement — All Banks · FY26

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	99,508	18,547	5,572	3,707	5,890	1,305	21,710	239,762	130,606	19,403	34,199	36,380	9,708	6,681	9,111	43,055	11,660	7,757	4,715	23,009
Income on Investments	25,300	2,637	1,179	763	1,440	276	4,770	58,945	33,593	8,191	5,950	7,910	2,922	1,643	1,884	10,836	2,145	1,789	1,049	5,424
Interest on bal with RBI and others	1,274	82	109	25	47	9	458	2,675	2,863	965	131	1,365	53	46	39	1,123	323	209	55	410
Others	951	423	9	10	27	11	757	6,140	2,885	439	270	595	462	548	40	551	207	91	1	1,326
Total Interest Income	127,032	21,689	6,870	4,505	7,404	1,601	27,695	307,522	169,946	28,997	40,549	46,251	13,145	8,918	11,074	55,564	14,336	9,846	5,819	30,169
Other Income	26,131	2,734	1,039	1,177	855	192	4,440	62,533	30,758	6,746	7,873	7,217	944	1,403	2,084	11,623	4,121	2,009	877	6,759
Total Interest Expense	70,984	10,859	4,040	2,785	4,948	979	17,038	178,836	81,871	15,486	19,334	28,268	7,269	5,799	6,136	25,554	7,976	6,409	3,292	20,393
Net Interest Income	56,048	10,830	2,830	1,720	2,457	622	10,657	128,686	88,075	13,512	21,215	17,982	5,876	3,119	4,939	30,010	6,360	3,437	2,527	9,776
Employee Cost	12,266	4,493	890	932	1,026	327	3,225	26,050	17,975	4,358	6,182	5,392	2,472	1,298	1,434	8,352	1,944	1,621	794	4,237
Other administrative Exps	27,096	3,206	965	879	990	271	4,666	46,610	29,259	5,062	15,695	10,605	1,361	1,250	1,514	11,215	5,238	1,453	755	6,792
Total Operating Expenses	39,362	7,699	1,854	1,812	2,016	598	7,892	72,660	47,234	9,420	21,877	15,997	3,833	2,547	2,948	19,566	7,182	3,073	1,549	11,029
Profit Before Tax and Provisions	42,817	5,865	2,014	1,085	1,296	216	7,206	118,558	71,599	10,838	7,211	9,202	2,986	1,974	4,075	22,067	3,299	2,373	1,855	5,506
Total Provisions	13,263	4,131	343	234	319	78	1,837	23,390	5,380	-1,088	5,379	7,933	29	316	755	3,481	2,260	417	49	912
Exceptional items	0	0	0	0	0	35	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	29,554	1,734	1,671	851	977	138	5,370	95,169	66,218	11,926	1,833	1,269	2,958	1,658	3,320	18,586	1,040	1,956	1,807	4,594
Income Tax	5,097	510	345	218	245	0	1,252	20,497	16,072	2,413	196	336	594	348	810	4,578	217	501	469	1,118
Profit After Tax	24,457	1,224	1,326	633	732	174	4,117	74,671	50,147	9,513	1,636	933	2,363	1,311	2,510	14,008	822	1,455	1,338	3,476

Cost Ratios (%) — All Banks · FY26

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	78.33%	85.51%	81.11%	82.29%	79.55%	81.51%	78.39%	77.97%	76.85%	66.91%	84.34%	78.66%	73.85%	74.92%	82.27%	77.49%	81.34%	78.78%	81.02%	76.27%
Income on Investments	19.92%	12.16%	17.16%	16.93%	19.45%	17.24%	17.22%	19.17%	19.77%	28.25%	14.67%	17.10%	22.23%	18.42%	17.01%	19.50%	14.97%	18.17%	18.03%	17.98%
Interest on bal with RBI and other Banks	1.00%	0.38%	1.59%	0.56%	0.64%	0.54%	1.65%	0.87%	1.68%	3.33%	0.32%	2.95%	0.40%	0.52%	0.35%	2.02%	2.25%	2.13%	0.94%	1.36%
Others	0.75%	1.95%	0.14%	0.21%	0.37%	0.71%	2.73%	2.00%	1.70%	1.51%	0.66%	1.29%	3.52%	6.14%	0.36%	0.99%	1.45%	0.92%	0.02%	4.40%
Other Income	20.57%	12.61%	15.12%	26.12%	11.55%	12.01%	16.03%	20.33%	18.10%	23.27%	19.42%	15.60%	7.18%	15.73%	18.82%	20.92%	28.75%	20.41%	15.07%	22.41%
Total Interest Expense	55.88%	50.07%	58.81%	61.81%	66.82%	61.14%	61.52%	58.15%	48.17%	53.40%	47.68%	61.12%	55.30%	65.03%	55.41%	45.99%	55.64%	65.09%	56.57%	67.60%
Net Interest Income	44.12%	49.93%	41.19%	38.19%	33.18%	38.86%	38.48%	41.85%	51.83%	46.60%	52.32%	38.88%	44.70%	34.97%	44.59%	54.01%	44.36%	34.91%	43.43%	32.40%
Employee Cost	9.66%	20.71%	12.95%	20.69%	13.86%	20.42%	11.65%	8.47%	10.58%	15.03%	15.25%	11.66%	18.81%	14.55%	12.95%	15.03%	13.56%	16.46%	13.65%	14.04%
Other administrative Exps	21.33%	14.78%	14.04%	19.52%	13.37%	16.95%	16.85%	15.16%	17.22%	17.46%	38.71%	22.93%	10.35%	14.01%	13.67%	20.18%	36.54%	14.75%	12.97%	22.51%
Total Operating Expenses	30.99%	35.50%	26.99%	40.21%	27.23%	37.37%	28.49%	23.63%	27.79%	32.49%	53.95%	34.59%	29.16%	28.57%	26.62%	35.21%	50.10%	31.21%	26.62%	36.56%
Profit Before Tax and Provisions	33.71%	27.04%	29.32%	24.09%	17.50%	13.51%	26.02%	38.55%	42.13%	37.37%	17.78%	19.90%	22.72%	22.14%	36.80%	39.71%	23.01%	24.10%	31.88%	18.25%
Total Provisions	10.44%	19.05%	4.99%	5.20%	4.31%	4.87%	6.63%	7.61%	3.17%	-3.75%	13.26%	17.15%	0.22%	3.54%	6.82%	6.27%	15.76%	4.24%	0.84%	3.02%
Profit Before Tax	23.26%	7.99%	24.33%	18.89%	13.19%	8.63%	19.39%	30.95%	38.96%	41.13%	4.52%	2.74%	22.50%	18.59%	29.98%	33.45%	7.25%	19.87%	31.04%	15.23%
Income Tax	4.01%	2.35%	5.02%	4.84%	3.31%	0.00%	4.52%	6.67%	9.46%	8.32%	0.48%	0.73%	4.52%	3.90%	7.31%	8.24%	1.51%	5.09%	8.06%	3.71%
Profit After Tax	19.25%	5.64%	19.31%	14.05%	9.88%	10.85%	14.87%	24.28%	29.51%	32.81%	4.04%	2.02%	17.98%	14.70%	22.67%	25.21%	5.74%	14.78%	22.98%	11.52%

₹247,127 Cr

Total Interest Income

5.6% YoY

₹112,752 Cr

Net Interest Income

10.5% YoY

₹43,340 Cr

Other Income

-19.3% YoY

₹71,652 Cr

Total Operating Expenses

6.0% YoY

₹84,439 Cr

Pre-Prov. Operating Profit

-4.2% YoY

₹11,593 Cr

Total Provisions

-58.1% YoY

₹72,846 Cr

Profit Before Tax

20.4% YoY

₹55,456 Cr

Profit After Tax

15.7% YoY

Bank-wise Comparison · Q1FY27

Total Income by Bank · Q1FY27

Net Interest Income by Bank · Q1FY27

Operating Expenses by Bank · Q1FY27

Pre-Prov. Operating Profit by Bank · Q1FY27

Total Provisions by Bank · Q1FY27

Profit After Tax by Bank · Q1FY27

Income Statement — All Banks · Q1FY27

Particulars (Rs. Crores)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	26,516	4,944	1,629	1,072	1,601	373	5,756	61,954	35,214	5,231	9,438	8,707	2,685	1,814	2,516	11,271	3,107	2,108	1,372	6,107
Income on Investments	6,698	610	315	204	367	72	1,339	14,272	8,376	2,023	1,475	1,898	722	433	511	2,673	538	448	278	1,479
Interest on bal with RBI and others	451	16	41	7	12	3	88	1,365	901	257	61	271	8	7	18	371	144	64	13	156
Others	321	60	0	3	4	1	54	1,771	1,180	30	76	434	130	129	4	162	50	8	0	303
Total Interest Income	33,986	5,631	1,985	1,287	1,984	449	7,238	79,363	45,671	7,541	11,051	11,310	3,546	2,383	3,049	14,477	3,840	2,628	1,662	8,044
Other Income	6,735	604	244	229	196	35	1,048	12,822	8,576	1,032	2,309	1,785	214	355	442	3,338	959	379	238	1,798
Total Interest Expense	19,340	2,710	1,165	809	1,300	272	4,292	45,829	21,286	4,055	5,079	6,625	2,049	1,444	1,627	6,549	2,186	1,603	897	5,258
Net Interest Income	14,646	2,921	820	479	684	178	2,946	33,534	24,384	3,486	5,972	4,685	1,497	938	1,423	7,928	1,654	1,025	765	2,786
Employee Cost	3,058	1,358	235	253	267	93	922	6,415	5,005	1,119	1,696	1,371	651	409	399	2,210	516	449	209	1,141
Other administrative Exps	6,664	808	248	204	269	68	1,175	11,773	7,570	1,231	4,033	2,416	357	305	370	2,925	1,175	363	183	1,740
Total Operating Expenses	9,722	2,166	483	457	536	161	2,097	18,187	12,574	2,350	5,729	3,787	1,008	713	769	5,135	1,691	812	392	2,880
Profit Before Tax and Provisions	11,659	1,358	581	251	344	51	1,897	28,168	20,386	2,168	2,553	2,683	703	580	1,096	6,131	923	592	611	1,704
Total Provisions	2,223	683	78	49	57	16	318	3,060	1,260	-637	1,144	1,340	84	29	90	668	599	84	54	394
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	9,437	676	503	202	287	36	1,580	25,108	19,126	2,805	1,409	1,343	619	552	1,005	5,463	324	507	557	1,309
Income Tax	2,323	174	120	52	74	11	403	6,049	4,321	690	334	341	195	133	250	1,340	70	130	146	238
Profit After Tax	7,114	502	383	150	213	25	1,177	19,060	14,804	2,115	1,075	1,002	424	419	756	4,123	254	378	412	1,071

Cost Ratios (%) — All Banks · Q1FY27

Particulars (%)	Axis	Bandhan	CUB	CSB	DCB	Dhanlaxmi	Federal	HDFC	ICICI	IDBI	IDFC	IndusInd	J&K	Karnataka	KVB	Kotak	RBL	SIB	TMB	YES
Interest / Discount on advances	78.02%	87.81%	82.07%	83.30%	80.69%	83.05%	79.53%	78.06%	77.10%	69.37%	85.41%	76.99%	75.72%	76.14%	82.52%	77.85%	80.91%	80.23%	82.51%	75.92%
Income on Investments	19.71%	10.83%	15.86%	15.87%	18.51%	16.13%	18.50%	17.98%	18.34%	26.82%	13.35%	16.78%	20.37%	18.16%	16.75%	18.46%	14.02%	17.06%	16.71%	18.38%
Interest on bal with RBI and other Banks	1.33%	0.29%	2.06%	0.57%	0.61%	0.58%	1.22%	1.72%	1.97%	3.41%	0.55%	2.40%	0.23%	0.28%	0.59%	2.56%	3.76%	2.42%	0.77%	1.93%
Others	0.94%	1.07%	0.01%	0.26%	0.19%	0.24%	0.75%	2.23%	2.58%	0.40%	0.69%	3.84%	3.68%	5.42%	0.15%	1.12%	1.31%	0.29%	0.01%	3.77%
Other Income	19.82%	10.72%	12.27%	17.77%	9.89%	7.76%	14.48%	16.16%	18.78%	13.68%	20.90%	15.79%	6.04%	14.92%	14.49%	23.06%	24.98%	14.44%	14.34%	22.35%
Total Interest Expense	56.91%	48.13%	58.68%	62.82%	65.53%	60.47%	59.30%	57.75%	46.61%	53.77%	45.96%	58.58%	57.78%	60.62%	53.34%	45.24%	56.92%	61.00%	53.98%	65.36%
Net Interest Income	43.09%	51.87%	41.32%	37.18%	34.47%	39.53%	40.70%	42.25%	53.39%	46.23%	54.04%	41.42%	42.22%	39.38%	46.66%	54.76%	43.08%	39.00%	46.02%	34.64%
Employee Cost	9.00%	24.12%	11.83%	19.62%	13.47%	20.69%	12.73%	8.08%	10.96%	14.84%	15.35%	12.12%	18.36%	17.15%	13.09%	15.27%	13.44%	17.09%	12.59%	14.18%
Other administrative Exps	19.61%	14.35%	12.51%	15.85%	13.56%	15.15%	16.24%	14.83%	16.57%	16.32%	36.49%	21.36%	10.06%	12.79%	12.12%	20.20%	30.60%	13.82%	11.02%	21.63%
Total Operating Expenses	28.61%	38.47%	24.34%	35.47%	27.02%	35.84%	28.97%	22.92%	27.53%	31.16%	51.84%	33.48%	28.42%	29.94%	25.22%	35.47%	44.04%	30.92%	23.60%	35.81%
Profit Before Tax and Provisions	34.31%	24.12%	29.25%	19.48%	17.34%	11.45%	26.21%	35.49%	44.64%	28.75%	23.10%	23.72%	19.83%	24.36%	35.93%	42.35%	24.03%	22.52%	36.76%	21.18%
Total Provisions	6.54%	12.12%	3.93%	3.81%	2.88%	3.54%	4.39%	3.86%	2.76%	(8.44%)	10.35%	11.85%	2.37%	1.20%	2.96%	4.61%	15.61%	3.21%	3.24%	4.90%
Profit Before Tax	27.77%	12.00%	25.32%	15.67%	14.46%	7.91%	21.82%	31.64%	41.88%	37.19%	12.75%	11.88%	17.46%	23.15%	32.97%	37.74%	8.42%	19.31%	33.51%	16.28%
Income Tax	6.83%	3.09%	6.05%	4.02%	3.72%	2.37%	5.56%	7.62%	9.46%	9.14%	3.02%	3.01%	5.50%	5.57%	8.19%	9.26%	1.82%	4.94%	8.76%	2.96%
Profit After Tax	20.93%	8.91%	19.27%	11.66%	10.74%	5.54%	16.26%	24.02%	32.42%	28.05%	9.73%	8.86%	11.96%	17.58%	24.78%	28.48%	6.61%	14.37%	24.75%	13.31%

Asset Quality

NPA Metrics — Private Sector Banks · Rs. Crores

₹184,144 Cr

Gross NPA

Base Year

₹44,376 Cr

Net NPA

Base Year

5.35%

Avg GNPA %

Base Year

1.70%

Avg NNPA %

Base Year

64.69%

Avg PCR %

Base Year

Lowest GNPA%

HDFC: 1.17%

FY22

Lowest NNPA%

HDFC: 0.32%

FY22

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

₹127,553 Cr

Gross NPA

-30.7% vs FY22

₹29,556 Cr

Net NPA

-33.4% vs FY22

3.20%

Avg GNPA %

-215 bps vs FY22

0.96%

Avg NNPA %

-74 bps vs FY22

70.32%

Avg PCR %

+563 bps vs FY22

Lowest GNPA%

HDFC: 1.12%

FY23

Lowest NNPA%

HDFC: 0.27%

FY23

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

₹130,193 Cr

Gross NPA

2.1% vs FY23

₹31,551 Cr

Net NPA

6.7% vs FY23

2.63%

Avg GNPA %

-57 bps vs FY23

0.79%

Avg NNPA %

-17 bps vs FY23

69.87%

Avg PCR %

-45 bps vs FY23

Lowest GNPA%

HDFC: 1.24%

FY24

Lowest NNPA%

Axis: 0.31%

FY24

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

₹133,460 Cr

Gross NPA

2.5% vs FY24

₹35,042 Cr

Net NPA

11.1% vs FY24

2.34%

Avg GNPA %

-29 bps vs FY24

0.64%

Avg NNPA %

-15 bps vs FY24

73.21%

Avg PCR %

+334 bps vs FY24

Lowest GNPA%

KVB: 0.76%

FY25

Lowest NNPA%

IDBI: 0.15%

FY25

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

₹127,265 Cr

Gross NPA

-4.6% vs FY25

₹34,029 Cr

Net NPA

-2.9% vs FY25

1.80%

Avg GNPA %

-54 bps vs FY25

0.47%

Avg NNPA %

-17 bps vs FY25

74.57%

Avg PCR %

+136 bps vs FY25

Lowest GNPA%

TMB: 0.73%

FY26

Lowest NNPA%

IDBI: 0.15%

FY26

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

₹130,360 Cr

Gross NPA

-8.4% YoY

₹35,855 Cr

Net NPA

-7.8% YoY

1.74%

Avg GNPA %

-71 bps YoY

0.45%

Avg NNPA %

-24 bps YoY

74.73%

Avg PCR %

+223 bps YoY

Lowest GNPA%

TMB: 0.69%

Q1FY27

Lowest NNPA%

IDBI: 0.16%

Q1FY27

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (Rs. Crores)

Net NPA (Rs. Crores)

Balance Sheet

Key Balance Sheet Metrics — All 20 Private Sector Banks · Rs. Crores

₹7,340,382 Cr

Total Assets

Base Year

₹5,456,695 Cr

Total Deposit

Base Year

₹4,550,048 Cr

Total Net Advances

Base Year

₹790,774 Cr

Total Networth

Base Year

₹184,144 Cr

Total Gross NPA

Base Year

₹44,376 Cr

Total Net NPA

Base Year

Deposits & Net Advances by Bank

Deposits · FY22

Net Advances · FY22

Gross Advances & CD Ratio by Bank

Gross Advances · FY22

Gross CD Ratio (%) · FY22

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · FY22

CASA Deposits · FY22

Total Assets & Networth by Bank

Total Assets · FY22

Networth · FY22

₹8,436,545 Cr

Total Assets

14.9% vs FY22

₹6,291,333 Cr

Total Deposit

15.3% vs FY22

₹5,362,358 Cr

Total Net Advances

17.9% vs FY22

₹920,303 Cr

Total Networth

16.4% vs FY22

₹127,553 Cr

Total Gross NPA

-30.7% vs FY22

₹29,556 Cr

Total Net NPA

-33.4% vs FY22

Deposits & Net Advances by Bank

Deposits · FY23

Net Advances · FY23

Gross Advances & CD Ratio by Bank

Gross Advances · FY23

Gross CD Ratio (%) · FY23

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · FY23

CASA Deposits · FY23

Total Assets & Networth by Bank

Total Assets · FY23

Networth · FY23

₹10,512,066 Cr

Total Assets

24.6% vs FY23

₹7,553,234 Cr

Total Deposit

20.1% vs FY23

₹6,856,271 Cr

Total Net Advances

27.9% vs FY23

₹1,198,451 Cr

Total Networth

30.2% vs FY23

₹130,193 Cr

Total Gross NPA

2.1% vs FY23

₹31,551 Cr

Total Net NPA

6.7% vs FY23

Deposits & Net Advances by Bank

Deposits · FY24

Net Advances · FY24

Gross Advances & CD Ratio by Bank

Gross Advances · FY24

Gross CD Ratio (%) · FY24

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · FY24

CASA Deposits · FY24

Total Assets & Networth by Bank

Total Assets · FY24

Networth · FY24

₹11,573,227 Cr

Total Assets

10.1% vs FY24

₹8,493,935 Cr

Total Deposit

12.5% vs FY24

₹7,472,259 Cr

Total Net Advances

9.0% vs FY24

₹1,399,160 Cr

Total Networth

16.7% vs FY24

₹133,460 Cr

Total Gross NPA

2.5% vs FY24

₹35,042 Cr

Total Net NPA

11.1% vs FY24

Deposits & Net Advances by Bank

Deposits · FY25

Net Advances · FY25

Gross Advances & CD Ratio by Bank

Gross Advances · FY25

Gross CD Ratio (%) · FY25

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · FY25

CASA Deposits · FY25

Total Assets & Networth by Bank

Total Assets · FY25

Networth · FY25

₹13,001,732 Cr

Total Assets

12.3% vs FY25

₹9,576,854 Cr

Total Deposit

12.7% vs FY25

₹8,508,589 Cr

Total Net Advances

13.9% vs FY25

₹1,584,739 Cr

Total Networth

13.3% vs FY25

₹127,265 Cr

Total Gross NPA

-4.6% vs FY25

₹34,029 Cr

Total Net NPA

-2.9% vs FY25

Deposits & Net Advances by Bank

Deposits · FY26

Net Advances · FY26

Gross Advances & CD Ratio by Bank

Gross Advances · FY26

Gross CD Ratio (%) · FY26

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · FY26

CASA Deposits · FY26

Total Assets & Networth by Bank

Total Assets · FY26

Networth · FY26

₹13,162,740 Cr

Total Assets

14.7% YoY

₹9,743,064 Cr

Total Deposit

14.1% YoY

₹8,813,072 Cr

Total Net Advances

17.0% YoY

₹1,672,792 Cr

Total Networth

15.0% YoY

₹130,360 Cr

Total Gross NPA

-8.4% YoY

₹35,855 Cr

Total Net NPA

-7.8% YoY

Deposits & Net Advances by Bank

Deposits · Q1FY27

Net Advances · Q1FY27

Gross Advances & CD Ratio by Bank

Gross Advances · Q1FY27

Gross CD Ratio (%) · Q1FY27

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%) · Q1FY27

CASA Deposits · Q1FY27

Total Assets & Networth by Bank

Total Assets · Q1FY27

Networth · Q1FY27

Balance Sheet Metrics — Annual Data

Metric (Rs. Crores)	FY22	FY23	FY24	FY25	FY26	Q1FY27
Deposits	5,456,695	6,291,333	7,553,234	8,493,935	9,576,854	9,743,064
CASA Ratio (%)	40.53%	38.78%	36.30%	34.34%	34.03%	32.76%
CASA Deposits	2,528,121	2,771,523	3,008,086	3,202,287	3,569,992	3,468,811

Net Advances	4,550,048	5,362,358	6,856,271	7,472,259	8,508,589	8,813,072
Gross Advances	4,698,300	5,466,451	6,958,609	7,576,172	8,608,350	8,915,132
Gross CD Ratio (%)	83.74%	84.66%	84.34%	84.29%	85.61%	87.30%

Equity Share Capital	30,667	31,849	32,715	33,663	35,785	36,760
Networth	790,774	920,303	1,198,451	1,399,160	1,584,739	1,672,792
Total Assets	7,340,382	8,436,545	10,512,066	11,573,227	13,001,732	13,162,740
Capital Adequacy Ratio (%)	18.43%	18.49%	18.54%	19.19%	19.38%	20.24%

Efficiency & Capital

Key Ratios — Private Sector Banks

33,164

Total Branches

Base Year

₹2.92 Cr

PAT Per Branch

Base Year

₹164.54 Cr

Deposit Per Branch

Base Year

₹137.20 Cr

Advances Per Branch

Base Year

Bank-wise Comparison · FY22

Net Interest Income (%) · FY22

Cost-to-Income Ratio (%) · FY22

Return on Equity (%) · FY22

Return on Assets (%) · FY22

36,478

Total Branches

10.0% vs FY22

₹3.40 Cr

PAT Per Branch

16.4% vs FY22

₹172.47 Cr

Deposit Per Branch

4.8% vs FY22

₹147.00 Cr

Advances Per Branch

7.1% vs FY22

Bank-wise Comparison · FY23

Net Interest Income (%) · FY23

Cost-to-Income Ratio (%) · FY23

Return on Equity (%) · FY23

Return on Assets (%) · FY23

40,053

Total Branches

9.8% vs FY23

₹4.38 Cr

PAT Per Branch

28.8% vs FY23

₹188.58 Cr

Deposit Per Branch

9.3% vs FY23

₹171.18 Cr

Advances Per Branch

16.4% vs FY23

Bank-wise Comparison · FY24

Net Interest Income (%) · FY24

Cost-to-Income Ratio (%) · FY24

Return on Equity (%) · FY24

Return on Assets (%) · FY24

42,616

Total Branches

6.4% vs FY24

₹4.44 Cr

PAT Per Branch

1.4% vs FY24

₹199.31 Cr

Deposit Per Branch

5.7% vs FY24

₹175.34 Cr

Advances Per Branch

2.4% vs FY24

Bank-wise Comparison · FY25

Net Interest Income (%) · FY25

Cost-to-Income Ratio (%) · FY25

Return on Equity (%) · FY25

Return on Assets (%) · FY25

44,854

Total Branches

5.3% vs FY25

₹4.39 Cr

PAT Per Branch

-1.1% vs FY25

₹213.51 Cr

Deposit Per Branch

7.1% vs FY25

₹189.70 Cr

Advances Per Branch

8.2% vs FY25

Bank-wise Comparison · FY26

Net Interest Income (%) · FY26

Cost-to-Income Ratio (%) · FY26

Return on Equity (%) · FY26

Return on Assets (%) · FY26

45,141

Total Branches

5.4% YoY

₹1.23 Cr

PAT Per Branch

10.0% YoY

₹215.84 Cr

Deposit Per Branch

8.3% YoY

₹195.23 Cr

Advances Per Branch

11.0% YoY

Bank-wise Comparison · Q1FY27

Net Interest Income (%) · Q1FY27

Cost-to-Income Ratio (%) · Q1FY27

Return on Equity (%) · Q1FY27

Return on Assets (%) · Q1FY27

Financials

Individual Bank Performance · Income Statement · Capital & Key Ratios · Business Numbers · Cost Ratios

Select a BankClick to view quarterly financials

Axis

Axis Bank

Bandha

Bandhan Bank

CUB

City Union Bank

CSB

CSB Bank

DCB

DCB Bank

Dhanla

Dhanlaxmi Bank

Federa

Federal Bank

HDFC

HDFC Bank

ICICI

ICICI Bank

IDBI

IDBI Bank

IDFC

IDFC First Bank

IndusI

IndusInd Bank

J&K Bank

Karnat

Karnataka Bank

KVB

Karur Vysya Bank

Kotak

Kotak Mahindra Bank

RBL

RBL Bank

SIB

South Indian Bank

TMB

Tamilnad Mercantile Bank

YES

YES Bank

Axis

Axis Bank

Figures in Rs. Crores

View Reports

Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	26,515.74	99,508.19	25,512.49	73,995.70	25,163.40	48,832.30	24,424.20	24,408.10	97,200.27	24,579.59	72,620.68	24,640.75	47,979.93	24,261.13	23,718.80	87,106.60	23,351.15	63,755.45	22,364.46	41,390.99	21,256.31	20,134.68	64,553.81	49,616.58
Income on Investments	6,698.42	25,299.80	6,709.26	18,590.54	6,555.91	12,034.63	5,891.68	6,142.95	22,928.34	6,095.14	16,833.20	5,808.83	11,024.37	5,443.54	5,580.83	20,010.62	5,338.37	14,672.25	5,089.40	9,582.85	4,799.81	4,783.04	18,178.73	14,618.92
Interest on bal with RBI and others	450.91	1,273.50	289.00	984.50	268.95	715.55	407.91	307.64	1,236.22	296.96	939.26	292.86	646.40	351.07	295.33	908.27	256.48	651.79	146.48	505.31	206.20	299.11	899.01	1,528.15
Others	320.56	950.74	213.34	737.40	286.14	451.26	246.44	204.82	1,312.21	270.82	1,041.39	211.50	829.89	364.12	465.77	1,343.14	278.54	1,064.60	360.80	703.80	363.86	339.94	1,532.22	1,613.18
Total Fund based income	33,985.63	127,032.23	32,724.09	94,308.14	32,274.40	62,033.74	30,970.23	31,063.51	122,677.04	31,242.51	91,434.53	30,953.94	60,480.59	30,419.86	30,060.73	109,368.63	29,224.54	80,144.09	27,961.14	52,182.95	26,626.18	25,556.77	85,163.77	67,376.83
--growth y-o-y	9.41%	3.55%	4.74%	3.14%	4.27%	2.57%	1.81%	3.34%	12.17%	6.91%	14.09%	10.70%	15.90%	14.25%	17.62%	28.42%	21.92%	30.97%	25.80%	33.91%	31.56%	36.46%	26.40%	6.36%
--growth q-o-q	3.86%	—	1.39%	—	4.21%	—	-0.30%	-0.57%	—	0.93%	—	1.76%	—	1.19%	2.86%	—	4.52%	—	5.01%	—	4.18%	6.62%	—	—
Other Income	6,735.42	26,130.85	6,022.55	20,108.30	6,225.66	13,882.64	6,624.58	7,258.06	25,257.06	6,779.52	18,477.54	5,972.20	12,505.34	6,721.85	5,783.49	22,441.96	6,765.79	15,676.17	5,554.82	10,121.35	5,034.08	5,087.27	16,143.42	15,220.54
Total Income	40,721.05	153,163.08	38,746.64	114,416.44	38,500.06	75,916.38	37,594.81	38,321.57	147,934.10	38,022.03	109,912.07	36,926.14	72,985.93	37,141.71	35,844.22	131,810.59	35,990.33	95,820.26	33,515.96	62,304.30	31,660.26	30,644.04	101,307.19	82,597.37
Total Interest Expense	19,339.53	70,984.19	18,266.91	52,717.28	17,987.84	34,729.44	17,225.68	17,503.76	68,329.22	17,431.97	50,897.25	17,348.09	33,549.16	16,936.66	16,612.50	59,474.15	16,135.54	43,338.61	15,428.99	27,909.62	14,311.62	13,598.00	42,218.02	34,244.61
--growth y-o-y	10.49%	3.89%	4.79%	3.58%	3.69%	3.52%	1.71%	5.36%	14.89%	8.03%	17.44%	12.44%	20.21%	18.34%	22.17%	40.87%	31.96%	44.51%	43.30%	45.19%	44.87%	45.52%	23.28%	0.40%
--growth q-o-q	5.87%	—	1.55%	—	4.42%	—	-1.59%	0.41%	—	0.48%	—	2.43%	—	1.95%	2.96%	—	4.58%	—	7.81%	—	5.25%	11.21%	—	—
Net Interest Income	14,646.10	56,048.04	14,457.18	41,590.86	14,286.56	27,304.30	13,744.55	13,559.75	54,347.82	13,810.54	40,537.28	13,605.85	26,931.43	13,483.20	13,448.23	49,894.48	13,089.00	36,805.48	12,532.15	24,273.33	12,314.56	11,958.77	42,945.75	33,132.22
--growth y-o-y	8.01%	3.13%	4.68%	2.60%	5.00%	1.38%	1.94%	0.83%	8.93%	5.51%	10.14%	8.57%	10.95%	9.49%	12.45%	16.18%	11.47%	17.95%	9.36%	22.94%	18.86%	27.44%	29.62%	13.31%
--growth q-o-q	1.31%	—	1.19%	—	3.94%	—	1.36%	-1.82%	—	1.50%	—	0.91%	—	0.26%	2.74%	—	4.44%	—	1.77%	—	2.98%	1.84%	—	—
Operating Expenses
Employee Cost	3,058.00	12,265.92	3,114.75	9,151.17	2,771.79	6,379.38	3,117.63	3,261.75	12,192.79	2,961.54	9,231.25	2,984.61	6,246.64	3,117.19	3,129.45	10,933.11	2,923.54	8,009.57	2,711.33	5,298.24	2,609.76	2,688.48	8,797.41	7,612.55
Other administrative Exps	6,664.42	27,096.16	7,351.56	19,744.60	6,864.73	12,879.87	6,838.97	6,040.90	25,307.16	6,876.15	18,431.01	6,059.59	12,371.42	6,375.39	5,996.03	24,280.17	6,395.55	17,884.62	6,234.40	11,650.22	6,107.02	5,543.20	18,243.45	15,998.20
Total Operating Expenses	9,722.42	39,362.08	10,466.31	28,895.77	9,636.52	19,259.25	9,956.60	9,302.65	37,499.95	9,837.69	27,662.26	9,044.20	18,618.06	9,492.58	9,125.48	35,213.28	9,319.09	25,894.19	8,945.73	16,948.46	8,716.78	8,231.68	27,040.86	23,610.75
Profit before Tax and Provisions	11,659.10	42,816.81	10,013.42	32,803.39	10,875.70	21,927.69	10,412.53	11,515.16	42,104.93	10,752.37	31,352.56	10,533.85	20,818.71	10,712.47	10,106.24	37,123.16	10,535.70	26,587.46	9,141.24	17,446.22	8,631.86	8,814.36	32,048.31	24,742.01
--growth y-o-y	1.25%	1.69%	-6.87%	4.63%	3.25%	5.33%	-2.80%	13.94%	13.42%	2.06%	17.92%	15.23%	19.33%	24.10%	14.66%	15.84%	14.92%	16.20%	-1.47%	28.25%	11.87%	49.73%	29.53%	6.98%
--growth q-o-q	16.43%	—	-7.93%	—	4.45%	—	-9.58%	7.09%	—	2.07%	—	-1.67%	—	6.00%	-4.08%	—	15.25%	—	5.90%	—	-2.07%	-3.85%	—	—
Provisions and contingencies
Others	2,222.54	13,262.83	3,522.21	9,740.62	2,245.92	7,494.70	3,547.04	3,947.66	7,758.35	1,359.35	6,399.00	2,155.63	4,243.37	2,204.09	2,039.28	4,063.09	1,185.31	2,877.78	1,028.34	1,849.44	814.56	1,034.88	2,652.64	7,359.45
Total Provisions	2,222.54	13,262.83	3,522.21	9,740.62	2,245.92	7,494.70	3,547.04	3,947.66	7,758.35	1,359.35	6,399.00	2,155.63	4,243.37	2,204.09	2,039.28	4,063.09	1,185.31	2,877.78	1,028.34	1,849.44	814.56	1,034.88	2,652.64	7,359.45
Exceptional items	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	12,489.82	0.00
Profit Before tax	9,436.56	29,553.98	6,491.21	23,062.77	8,629.78	14,432.99	6,865.49	7,567.50	34,346.58	9,393.02	24,953.56	8,378.22	16,575.34	8,508.38	8,066.96	33,060.07	9,350.39	23,709.68	8,112.90	15,596.78	7,817.30	7,779.48	16,905.85	17,382.56
Income Tax	2,322.64	5,097.32	-580.10	5,677.42	2,140.21	3,537.21	1,775.85	1,761.36	7,973.10	2,275.52	5,697.58	2,074.45	3,623.13	1,590.81	2,032.32	8,198.64	2,220.72	5,977.92	2,041.80	3,936.12	1,953.74	1,982.38	7,326.17	4,357.08
effective tax rate	24.61%	17.25%	-8.94%	24.62%	24.80%	24.51%	25.87%	23.28%	23.21%	24.23%	22.83%	24.76%	21.86%	18.70%	25.19%	24.80%	23.75%	25.21%	25.17%	25.24%	24.99%	25.48%	43.34%	25.07%
Net Profit	7,113.92	24,456.66	7,071.31	17,385.35	6,489.57	10,895.78	5,089.64	5,806.14	26,373.48	7,117.50	19,255.98	6,303.77	12,952.21	6,917.57	6,034.64	24,861.43	7,129.67	17,731.76	6,071.10	11,660.66	5,863.56	5,797.10	9,579.68	13,025.48
--growth y-o-y	22.52%	-7.27%	-0.65%	-9.71%	2.95%	-15.88%	-26.42%	-3.79%	6.08%	-0.17%	8.60%	3.83%	11.08%	17.98%	4.10%	159.52%	—	15.83%	3.73%	23.33%	10.02%	40.53%	-26.45%	97.70%
--growth q-o-q	0.60%	—	8.96%	—	27.51%	—	-12.34%	-18.42%	—	12.91%	—	-8.87%	—	14.63%	-15.36%	—	17.44%	—	3.54%	—	1.15%	—	—	—
Capital & Key Ratios
Equity Share Capital	622.16	621.63	621.63	621.02	621.02	620.58	620.58	620.24	619.47	619.47	619.03	619.03	618.65	618.65	618.05	617.31	617.31	616.80	616.80	616.35	616.35	615.95	615.37	613.95
Reserves & Surplus	210,686.55	203,572.63	203,572.63	195,382.82	195,382.82	188,893.25	188,893.25	183,803.61	177,997.47	177,997.47	168,873.67	168,873.67	162,569.90	162,569.90	155,652.33	149,617.69	149,617.69	142,109.63	142,109.63	136,038.53	136,038.53	130,174.97	124,377.87	114,411.51
Capital Adequacy Ratio	16.67%	16.42%	16.42%	16.55%	16.55%	16.55%	16.55%	16.85%	17.07%	17.07%	17.01%	17.01%	16.61%	16.61%	16.65%	16.63%	16.63%	16.63%	16.63%	16.56%	16.56%	17.74%	17.64%	18.54%
CET 1	14.64%	14.38%	14.38%	14.50%	14.50%	14.43%	14.43%	14.68%	14.67%	14.67%	14.61%	14.61%	14.12%	14.12%	14.06%	13.74%	13.74%	13.71%	13.71%	14.56%	14.56%	14.38%	14.02%	15.24%
Net Interest Margin (%)	3.46%	3.69%	3.62%	3.72%	3.64%	3.77%	3.73%	3.80%	3.98%	3.97%	3.99%	3.93%	4.02%	3.99%	4.05%	4.07%	4.06%	4.07%	4.01%	4.11%	4.11%	4.10%	4.02%	3.47%
Earning per share	22.87	78.69	22.75	55.99	20.90	35.11	16.40	18.72	85.15	22.98	62.21	20.37	41.87	22.36	19.53	80.55	23.10	57.50	19.69	37.84	19.03	18.82	31.13	42.43
DPS	—	1.00	—	—	—	—	—	—	1.00	—	—	—	—	—	—	1.00	—	—	—	—	—	—	1.00	1.00
Dividend Payout	—	1.27%	—	—	—	—	—	—	1.17%	—	—	—	—	—	—	1.24%	—	—	—	—	—	—	3.21%	2.36%
Cost to Income Ratio	45.47%	47.90%	51.11%	46.83%	46.98%	46.76%	48.88%	44.69%	47.11%	47.78%	46.87%	46.20%	47.21%	46.98%	47.45%	48.68%	46.94%	49.34%	49.46%	49.28%	50.24%	48.29%	45.76%	48.83%
Book value per share	679.27	656.96	656.96	631.23	631.23	610.76	610.76	594.69	576.68	576.68	547.61	547.61	527.56	527.56	505.69	486.74	486.74	462.80	462.80	443.43	443.43	424.68	406.24	374.71
Adj Book Value	667.59	646.18	646.18	619.61	619.61	599.23	599.23	583.25	568.35	568.35	539.07	539.07	519.39	519.39	497.64	479.38	479.38	454.79	454.79	435.62	435.62	416.26	398.14	362.14
Gross NPAs	17,124.33	16,083.65	16,083.65	17,166.78	17,166.78	17,307.74	17,307.74	17,764.66	14,490.11	14,490.11	15,850.27	15,850.27	15,466.23	15,466.23	16,211.34	15,127.12	15,127.12	15,893.01	15,893.01	16,756.74	16,756.74	18,158.23	18,604.23	21,822.32
Growth YoY	-3.60%	11.00%	11.00%	8.31%	8.31%	11.91%	11.91%	9.58%	-4.21%	-4.21%	-0.27%	-0.27%	-7.70%	-7.70%	-10.72%	-18.69%	-18.69%	-20.38%	-20.38%	-15.77%	-15.77%	-13.68%	-14.75%	-13.80%
Net NPAs	5,192.56	4,789.59	4,789.59	5,154.29	5,154.29	5,113.86	5,113.86	5,065.99	3,685.45	3,685.45	3,774.79	3,774.79	3,612.47	3,612.47	3,552.98	3,247.47	3,247.47	3,526.87	3,526.87	3,441.25	3,441.25	3,703.56	3,558.92	5,512.16
Growth YoY	2.50%	29.96%	29.96%	36.55%	36.55%	41.56%	41.56%	42.58%	13.49%	13.49%	7.03%	7.03%	4.98%	4.98%	-4.07%	-8.75%	-8.75%	-7.92%	-7.92%	-13.87%	-13.87%	-22.53%	-35.44%	-21.18%
Slippages	5,566.00	24,578.00	4,675.00	19,903.00	6,007.00	13,896.00	5,696.00	8,200.00	19,473.00	4,805.00	14,668.00	5,432.00	9,236.00	4,443.00	4,793.00	14,430.00	3,471.00	10,959.00	3,715.00	7,244.00	3,254.00	3,990.00	14,249.00	20,110.00
% of Gross NPAs	1.29%	1.23%	1.23%	1.40%	1.40%	1.46%	1.46%	1.57%	1.28%	1.28%	1.46%	1.46%	1.44%	1.44%	1.54%	1.43%	1.43%	1.58%	1.58%	1.73%	1.73%	1.96%	2.02%	2.82%
% of Net NPAs	0.39%	0.37%	0.37%	0.42%	0.42%	0.44%	0.44%	0.45%	0.33%	0.33%	0.35%	0.35%	0.34%	0.34%	0.34%	0.31%	0.31%	0.36%	0.36%	0.36%	0.36%	0.41%	0.39%	0.73%
Slippage Ratio	2.10%	2.36%	1.81%	2.62%	2.37%	2.78%	2.28%	3.35%	2.02%	1.99%	2.10%	2.33%	2.06%	1.98%	2.23%	1.71%	1.64%	1.92%	1.95%	1.98%	1.78%	2.28%	2.01%	3.27%
Return on Assets	1.51%	1.45%	1.58%	1.40%	1.49%	1.35%	1.23%	1.47%	1.74%	1.83%	1.71%	1.64%	1.75%	1.84%	1.65%	1.83%	2.00%	1.77%	1.75%	1.78%	1.76%	1.80%	0.80%	1.21%
PCR without Tech W/off (%)	69.68%	70.22%	70.22%	69.98%	69.98%	70.45%	70.45%	71.48%	74.57%	74.57%	76.18%	76.18%	76.64%	76.64%	78.08%	78.53%	78.53%	77.81%	77.81%	79.46%	79.46%	79.60%	80.87%	74.74%
Net Advances	1,261,556.65	1,233,569.88	1,233,569.88	1,159,051.66	1,159,051.66	1,116,703.01	1,116,703.01	1,059,724.39	1,040,811.32	1,040,811.32	1,014,564.14	1,014,564.14	999,979.24	999,979.24	980,091.52	965,068.00	965,068.00	932,286.38	932,286.38	897,347.03	897,347.03	858,511.41	845,302.84	707,695.95
- Net Advances Growth YoY	19.05%	18.52%	18.52%	14.24%	14.24%	11.67%	11.67%	8.13%	7.85%	7.85%	8.83%	8.83%	11.44%	11.44%	14.16%	14.17%	14.17%	22.34%	22.34%	22.78%	22.78%	22.45%	19.44%	15.19%
--Retail Advances	675,546.00	673,468.00	673,468.00	644,575.00	644,575.00	635,460.00	635,460.00	622,960.00	622,897.00	622,897.00	605,825.00	605,825.00	598,715.00	598,715.00	585,112.00	583,265.00	583,265.00	546,999.00	546,999.00	519,736.00	519,736.00	497,810.00	487,571.00	400,142.00
-- % of total Advances	53.55%	54.60%	54.60%	55.61%	55.61%	56.91%	56.91%	58.79%	59.85%	59.85%	59.71%	59.71%	59.87%	59.87%	59.70%	60.44%	60.44%	58.67%	58.67%	57.92%	57.92%	57.99%	57.68%	56.54%
Deposits	1,372,935.66	1,335,833.97	1,335,833.97	1,260,785.88	1,260,785.88	1,203,486.91	1,203,486.91	1,161,614.55	1,172,952.02	1,172,952.02	1,095,882.77	1,095,882.77	1,086,743.98	1,086,743.98	1,062,483.70	1,068,641.00	1,068,641.00	1,004,899.51	1,004,899.51	955,556.35	955,556.35	941,689.74	946,945.21	821,720.91
- Deposit Growth YoY	18.19%	13.89%	13.89%	15.05%	15.05%	10.74%	10.74%	9.33%	9.76%	9.76%	9.05%	9.05%	13.73%	13.73%	12.83%	12.85%	12.85%	18.48%	18.48%	17.85%	17.85%	17.19%	15.24%	17.73%
--Savings deposits	348,312.00	344,136.00	344,136.00	321,052.00	321,052.00	317,724.00	317,724.00	305,133.00	311,389.00	311,389.00	289,244.00	289,244.00	298,533.00	298,533.00	294,910.00	302,133.00	302,133.00	290,363.00	290,363.00	292,313.00	292,313.00	295,530.00	297,416.00	242,449.00
-- saving deposit growth	14.15%	10.52%	10.52%	11.00%	11.00%	6.43%	6.43%	3.47%	3.06%	3.06%	-0.39%	-0.39%	2.13%	2.13%	-0.21%	1.59%	1.59%	15.50%	15.50%	15.89%	15.89%	21.57%	22.67%	18.57%
--Current deposits	173,386.00	184,776.00	184,776.00	172,021.00	172,021.00	161,283.00	161,283.00	163,033.00	166,799.00	166,799.00	143,611.00	143,611.00	142,520.00	142,520.00	149,569.00	157,268.00	157,268.00	133,095.00	133,095.00	131,553.00	131,553.00	133,269.00	149,120.00	127,306.00
-- current deposit growth	6.35%	10.78%	10.78%	19.78%	19.78%	13.17%	13.17%	9.00%	6.06%	6.06%	7.90%	7.90%	8.34%	8.34%	12.23%	5.46%	5.46%	5.36%	5.36%	7.48%	7.48%	23.28%	17.14%	12.39%
CAS	521,698.00	528,912.00	528,912.00	493,073.00	493,073.00	479,007.00	479,007.00	468,166.00	478,188.00	478,188.00	432,855.00	432,855.00	441,053.00	441,053.00	444,479.00	459,401.00	459,401.00	423,458.00	423,458.00	423,866.00	423,866.00	428,799.00	446,536.00	369,755.00
-- % of total Deposits	38.00%	39.59%	39.59%	39.11%	39.11%	39.80%	39.80%	40.30%	40.77%	40.77%	39.50%	39.50%	40.58%	40.58%	41.83%	42.99%	42.99%	42.14%	42.14%	44.36%	44.36%	45.54%	47.16%	45.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	78.02%	78.33%	77.96%	78.46%	77.97%	78.72%	78.86%	78.57%	79.23%	78.67%	79.42%	79.60%	79.33%	79.75%	78.90%	79.64%	79.90%	79.55%	79.98%	79.32%	79.83%	78.78%	75.80%	73.64%
Income on Investments	19.71%	19.92%	20.50%	19.71%	20.31%	19.40%	19.02%	19.78%	18.69%	19.51%	18.41%	18.77%	18.23%	17.89%	18.57%	18.30%	18.27%	18.31%	18.20%	18.36%	18.03%	18.72%	21.35%	21.70%
Interest on bal with RBI and others	1.33%	1.00%	0.88%	1.04%	0.83%	1.15%	1.32%	0.99%	1.01%	0.95%	1.03%	0.95%	1.07%	1.15%	0.98%	0.83%	0.88%	0.81%	0.52%	0.97%	0.77%	1.17%	1.06%	2.27%
Others	0.94%	0.75%	0.65%	0.78%	0.89%	0.73%	0.80%	0.66%	1.07%	0.87%	1.14%	0.68%	1.37%	1.20%	1.55%	1.23%	0.95%	1.33%	1.29%	1.35%	1.37%	1.33%	1.80%	2.39%
othe income	19.82%	20.57%	18.40%	21.32%	19.29%	22.38%	21.39%	23.37%	20.59%	21.70%	20.21%	19.29%	20.68%	22.10%	19.24%	20.52%	23.15%	19.56%	19.87%	19.40%	18.91%	19.91%	18.96%	22.59%
Total Interest Expense	56.91%	55.88%	55.82%	55.90%	55.73%	55.98%	55.62%	56.35%	55.70%	55.80%	55.67%	56.04%	55.47%	55.68%	55.26%	54.38%	55.21%	54.08%	55.18%	53.48%	53.75%	53.21%	49.57%	50.83%
Net Interest Income	43.09%	44.12%	44.18%	44.10%	44.27%	44.02%	44.38%	43.65%	44.30%	44.20%	44.33%	43.96%	44.53%	44.32%	44.74%	45.62%	44.79%	45.92%	44.82%	46.52%	46.25%	46.79%	50.43%	49.17%
Wages	9.00%	9.66%	9.52%	9.70%	8.59%	10.28%	10.07%	10.50%	9.94%	9.48%	10.10%	9.64%	10.33%	10.25%	10.41%	10.00%	10.00%	9.99%	9.70%	10.15%	9.80%	10.52%	10.33%	11.30%
Other administrative Exps	19.61%	21.33%	22.47%	20.94%	21.27%	20.76%	22.08%	19.45%	20.63%	22.01%	20.16%	19.58%	20.46%	20.96%	19.95%	22.20%	21.88%	22.32%	22.30%	22.33%	22.94%	21.69%	21.42%	23.74%
Total Operating Expenses	28.61%	30.99%	31.98%	30.64%	29.86%	31.05%	32.15%	29.95%	30.57%	31.49%	30.25%	29.22%	30.78%	31.21%	30.36%	32.20%	31.89%	32.31%	31.99%	32.48%	32.74%	32.21%	31.75%	35.04%
Profit before Tax and Provisions	34.31%	33.71%	30.60%	34.78%	33.70%	35.35%	33.62%	37.07%	34.32%	34.42%	34.29%	34.03%	34.42%	35.22%	33.62%	33.94%	36.05%	33.17%	32.69%	33.43%	32.42%	34.49%	37.63%	36.72%
Provisions and contingencies	6.54%	10.44%	10.76%	10.33%	6.96%	12.08%	11.45%	12.71%	6.32%	4.35%	7.00%	6.96%	7.02%	7.25%	6.78%	3.72%	4.06%	3.59%	3.68%	3.54%	3.06%	4.05%	3.11%	10.92%
PBT	27.77%	23.26%	19.84%	24.45%	26.74%	23.27%	22.17%	24.36%	28.00%	30.06%	27.29%	27.07%	27.41%	27.97%	26.84%	30.23%	31.99%	29.58%	29.01%	29.89%	29.36%	30.44%	19.85%	25.80%
Income Tax	6.83%	4.01%	-1.77%	6.02%	6.63%	5.70%	5.73%	5.67%	6.50%	7.28%	6.23%	6.70%	5.99%	5.23%	6.76%	7.50%	7.60%	7.46%	7.30%	7.54%	7.34%	7.76%	8.60%	6.47%
PAT	20.93%	19.25%	21.61%	18.43%	20.11%	17.56%	16.43%	18.69%	21.50%	22.78%	21.06%	20.37%	21.42%	22.74%	20.07%	22.73%	24.40%	22.12%	21.71%	22.35%	22.02%	22.68%	11.25%	19.33%

Bandh

Bandhan Bank

Figures in Rs. Crores

View Reports

Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	4,944.46	18,547.16	4,654.47	13,892.69	4,684.93	9,207.75	4,475.38	4,732.37	19,367.46	4,763.56	14,603.91	4,852.37	9,751.54	4,882.02	4,869.52	16,506.20	4,629.29	11,876.91	4,082.95	7,793.97	3,888.25	3,905.72	13,775.16	12,183.90
Income on Investments	609.70	2,637.33	601.43	2,035.90	682.92	1,352.99	694.21	658.78	2,181.87	582.23	1,599.64	548.36	1,051.28	518.89	532.39	2,013.57	474.36	1,539.21	492.31	1,046.90	531.09	515.81	1,886.30	1,478.30
Interest on bal with RBI and others	16.21	81.87	31.39	50.48	11.37	39.11	22.38	16.73	97.18	9.29	87.88	15.92	71.96	30.24	41.72	77.81	22.37	55.45	18.06	37.38	13.83	23.55	69.37	140.51
Others	60.18	422.76	141.14	281.61	52.02	229.59	161.86	67.73	301.72	78.78	222.94	62.08	160.86	68.67	92.19	272.03	63.33	208.71	72.11	136.60	58.77	77.83	173.87	68.41
Total Fund based income	5,630.55	21,689.11	5,428.43	16,260.68	5,431.24	10,829.44	5,353.83	5,475.61	21,948.23	5,433.86	16,514.37	5,478.73	11,035.64	5,499.81	5,535.82	18,869.62	5,189.34	13,680.28	4,665.43	9,014.85	4,491.93	4,522.91	15,904.70	13,871.12
--growth y-o-y	2.83%	-1.18%	-0.10%	-1.54%	-0.87%	-1.87%	-2.65%	-1.09%	16.32%	4.71%	20.72%	17.43%	22.42%	22.44%	22.40%	18.64%	21.58%	17.56%	22.53%	15.15%	19.04%	11.53%	14.66%	10.75%
--growth q-o-q	3.72%	—	-0.05%	—	1.45%	—	-2.22%	0.77%	—	-0.82%	—	-0.38%	—	-0.65%	6.68%	—	11.23%	—	3.86%	—	-0.68%	5.97%	—	—
Other Income	603.83	2,734.02	770.69	1,963.33	691.01	1,272.32	546.44	725.88	2,917.72	699.62	2,218.10	1,095.85	1,122.25	594.72	527.54	2,164.65	694.12	1,470.54	545.16	925.37	540.25	385.12	2,468.55	2,701.68
Total Income	6,234.38	24,423.14	6,199.13	18,224.01	6,122.25	12,101.76	5,900.27	6,201.49	24,865.95	6,133.48	18,732.47	6,574.58	12,157.89	6,094.53	6,063.36	21,034.27	5,883.46	15,150.81	5,210.59	9,940.22	5,032.19	4,908.03	18,373.25	16,572.80
Total Interest Expense	2,709.97	10,859.42	2,632.84	8,226.58	2,742.94	5,483.64	2,765.27	2,718.37	10,408.77	2,677.97	7,730.80	2,648.45	5,082.35	2,551.55	2,530.80	8,544.01	2,323.07	6,220.94	2,140.07	4,080.86	2,048.57	2,032.29	6,645.08	5,156.60
--growth y-o-y	-0.31%	4.33%	-1.69%	6.41%	3.57%	7.90%	8.38%	7.41%	21.83%	15.28%	24.27%	23.75%	24.54%	24.55%	24.53%	28.58%	29.31%	28.30%	23.90%	30.74%	29.62%	31.89%	28.87%	3.95%
--growth q-o-q	2.93%	—	-4.01%	—	-0.81%	—	1.73%	1.51%	—	1.11%	—	3.80%	—	0.82%	8.94%	—	8.55%	—	4.47%	—	0.80%	13.13%	—	—
Net Interest Income	2,920.59	10,829.69	2,795.59	8,034.10	2,688.30	5,345.80	2,588.56	2,757.24	11,539.46	2,755.90	8,783.57	2,830.28	5,953.29	2,948.26	3,005.03	10,325.61	2,866.27	7,459.34	2,525.36	4,933.98	2,443.36	2,490.62	9,259.62	8,714.52
--growth y-o-y	5.92%	-6.15%	1.44%	-8.53%	-5.02%	-10.20%	-12.20%	-8.25%	11.76%	-3.85%	17.75%	12.07%	20.66%	20.66%	20.65%	11.51%	15.96%	9.89%	21.39%	4.81%	11.42%	-0.95%	6.26%	15.22%
--growth q-o-q	4.47%	—	3.99%	—	3.85%	—	-6.12%	0.05%	—	-2.63%	—	-4.00%	—	-1.89%	4.84%	—	13.50%	—	3.36%	—	-1.90%	0.76%	—	—
Operating Expenses
Employee Cost	1,358.32	4,492.74	1,158.40	3,334.34	1,133.46	2,200.88	1,077.27	1,123.61	4,360.98	1,084.22	3,276.76	1,227.35	2,049.41	1,044.03	1,005.38	3,542.92	970.20	2,572.72	898.72	1,674.00	862.29	811.70	2,715.07	2,134.88
Other administrative Exps	807.99	3,206.05	966.72	2,239.33	800.84	1,438.49	747.38	691.11	2,707.52	799.96	1,907.56	677.42	1,230.14	643.85	586.29	2,307.85	751.70	1,556.15	516.49	1,039.66	537.93	501.73	1,921.75	1,388.97
Total Operating Expenses	2,166.31	7,698.79	2,125.13	5,573.67	1,934.30	3,639.36	1,824.64	1,814.72	7,068.50	1,884.18	5,184.32	1,904.77	3,279.55	1,687.88	1,591.67	5,850.78	1,721.91	4,128.87	1,415.21	2,713.66	1,400.22	1,313.44	4,636.82	3,523.85
Profit before Tax and Provisions	1,358.10	5,864.92	1,441.16	4,423.76	1,445.01	2,978.75	1,310.35	1,668.40	7,388.69	1,571.34	5,817.35	2,021.36	3,795.99	1,855.10	1,940.89	6,639.48	1,838.48	4,801.00	1,655.31	3,145.70	1,583.40	1,562.30	7,091.35	7,892.35
--growth y-o-y	-18.60%	-20.62%	-8.28%	-23.96%	-28.51%	-21.53%	-29.36%	-14.04%	11.28%	-14.53%	21.17%	22.11%	20.67%	17.16%	24.23%	-6.37%	2.39%	-9.34%	-13.88%	-6.75%	1.96%	-14.19%	-10.15%	15.13%
--growth q-o-q	-5.76%	—	-0.27%	—	10.28%	—	-21.46%	6.18%	—	-22.26%	—	8.96%	—	-4.42%	5.57%	—	11.07%	—	4.54%	—	1.35%	-13.00%	—	—
Provisions and contingencies
Others	682.59	4,131.11	677.01	3,454.10	1,154.63	2,299.47	1,152.56	1,146.91	3,765.41	1,260.16	2,505.25	1,376.01	1,129.24	606.24	523.00	3,696.57	1,774.33	1,922.25	684.01	1,238.24	636.15	602.09	4,198.37	7,763.23
Total Provisions	682.59	4,131.11	677.01	3,454.10	1,154.63	2,299.47	1,152.56	1,146.91	3,765.41	1,260.16	2,505.25	1,376.01	1,129.24	606.24	523.00	3,696.57	1,774.33	1,922.25	684.01	1,238.24	636.15	602.09	4,198.37	7,763.23
Profit Before tax	675.52	1,733.81	764.15	969.66	290.38	679.29	157.79	521.49	3,623.28	311.18	3,312.10	645.35	2,666.75	1,248.86	1,417.89	2,942.91	64.15	2,878.76	971.30	1,907.46	947.25	960.21	2,892.98	129.13
Income Tax	173.85	510.25	230.01	280.24	84.79	195.45	45.92	149.53	877.98	-6.72	884.71	218.86	665.84	311.41	354.43	713.35	9.53	703.82	238.58	465.24	226.08	239.16	698.35	2.83
effective tax rate	25.74%	29.43%	30.10%	28.90%	29.20%	28.77%	29.10%	28.67%	24.23%	-2.16%	26.71%	33.91%	24.97%	24.94%	25.00%	24.24%	14.85%	24.45%	24.56%	24.39%	23.87%	24.91%	24.14%	2.19%
Net Profit	501.67	1,223.56	534.14	689.42	205.59	483.83	111.87	371.96	2,745.30	317.90	2,427.39	426.49	2,000.91	937.45	1,063.46	2,229.56	54.63	2,174.94	732.72	1,442.22	721.17	721.05	2,194.64	126.30
--growth y-o-y	34.87%	-55.43%	68.02%	-71.60%	-51.79%	-75.82%	-88.07%	-65.02%	23.13%	481.97%	11.61%	-41.79%	38.74%	29.99%	47.49%	1.59%	-93.24%	56.88%	152.17%	31.62%	244.60%	-18.66%	16.40%	-94.27%
--growth q-o-q	-6.08%	—	159.81%	—	83.77%	—	-69.92%	17.00%	—	-25.46%	—	-54.51%	—	-11.85%	18.50%	—	-92.54%	—	1.60%	—	0.02%	-10.79%	—	—
Capital & Key Ratios
Equity Share Capital	1,611.08	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.97	1,610.91	1,610.91	1,610.90	1,610.90	1,610.86	1,610.84	1,610.77
Reserves	24,147.01	23,645.34	23,645.34	23,437.55	23,437.55	23,231.96	23,231.96	23,120.09	22,748.13	22,748.13	22,381.87	22,381.87	21,955.38	21,955.38	21,017.94	19,954.48	19,954.48	20,148.25	20,148.25	19,415.54	19,415.54	18,694.37	17,973.32	15,770.38
Capital Adequacy Ratio	18.25%	18.04%	18.04%	17.33%	17.33%	18.23%	18.23%	19.08%	18.71%	18.71%	14.54%	14.54%	14.34%	14.34%	14.97%	18.28%	18.28%	17.86%	17.86%	19.21%	19.21%	19.75%	19.76%	20.10%
CET 1	17.50%	17.30%	17.30%	16.50%	16.50%	17.40%	17.40%	18.60%	17.90%	17.90%	13.70%	13.70%	13.60%	13.60%	14.10%	17.20%	17.20%	16.90%	16.90%	18.20%	18.20%	18.80%	18.70%	18.90%
Net Interest Margin (%)	6.20%	6.10%	6.20%	6.03%	5.90%	6.10%	5.80%	6.40%	7.10%	6.70%	7.30%	6.90%	7.50%	7.40%	7.60%	7.30%	7.60%	7.23%	7.20%	7.25%	7.20%	7.30%	7.20%	8.20%
Earning per share	3.11	7.60	3.32	4.28	1.28	3.00	0.69	2.31	17.04	1.97	15.07	2.65	12.42	5.82	6.60	13.84	0.34	13.50	4.55	8.95	4.48	4.48	13.62	0.78
DPS	—	1.50	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.50	0.00
Dividend Payout	—	19.75%	—	—	—	—	—	—	8.80%	—	—	—	—	—	—	10.84%	—	—	—	—	—	—	11.01%	0.00%
Cost to Income Ratio	61.47%	56.76%	59.59%	55.75%	57.24%	54.99%	58.20%	52.10%	48.89%	54.53%	47.12%	48.52%	46.35%	47.64%	45.06%	46.84%	48.36%	46.24%	46.09%	46.31%	46.93%	45.67%	39.54%	30.87%
Book value per share	159.88	156.78	156.78	155.49	155.49	154.21	154.21	153.52	151.21	151.21	148.93	148.93	146.29	146.29	140.47	133.87	133.87	135.07	135.07	130.53	130.53	126.05	121.58	107.91
Adj Book Value	153.75	150.47	150.47	149.39	149.39	146.20	146.20	145.94	143.85	143.85	141.82	141.82	139.25	139.25	134.40	128.01	128.01	124.47	124.47	120.25	120.25	116.75	116.24	101.11
Gross NPAs	4,880.95	5,019.55	5,019.55	4,804.99	4,804.99	7,015.13	7,015.13	6,622.64	6,435.56	6,435.56	6,178.50	6,178.50	6,105.30	6,105.30	5,304.36	4,784.88	4,784.88	8,135.54	8,135.54	7,873.83	7,873.83	6,960.40	5,298.62	6,380.00
Net NPAs	1,411.63	1,452.09	1,452.09	1,402.12	1,402.12	1,843.55	1,843.55	1,744.15	1,692.85	1,692.85	1,636.70	1,636.70	1,620.20	1,620.20	1,396.43	1,347.61	1,347.61	2,439.57	2,439.57	2,365.19	2,365.19	2,140.71	1,228.27	1,564.23
% of Gross NPAs	3.15%	3.27%	3.27%	3.33%	3.33%	5.02%	5.02%	4.96%	4.71%	4.71%	4.68%	4.68%	4.68%	4.68%	4.23%	3.84%	3.84%	7.02%	7.02%	7.32%	7.32%	6.76%	4.87%	6.46%
% of Net NPAs	0.93%	0.97%	0.97%	0.99%	0.99%	1.37%	1.37%	1.36%	1.28%	1.28%	1.28%	1.28%	1.29%	1.29%	1.15%	1.11%	1.11%	2.21%	2.21%	2.32%	2.32%	2.18%	1.17%	1.66%
Return on Assets	1.00%	0.64%	1.08%	0.49%	0.44%	0.50%	0.24%	0.80%	1.53%	0.68%	1.84%	0.96%	2.28%	2.12%	2.44%	1.44%	0.12%	1.92%	1.92%	1.92%	1.92%	1.92%	1.56%	0.11%
PCR without Tech W/off (%)	71.08%	71.07%	71.07%	70.82%	70.82%	73.72%	73.72%	73.66%	73.70%	73.70%	73.51%	73.51%	73.46%	73.46%	73.67%	71.84%	71.84%	70.01%	70.01%	69.96%	69.96%	69.24%	76.82%	75.48%
Net Advances	151,680.00	150,103.78	150,103.78	141,100.00	141,100.00	134,592.79	134,592.79	128,510.00	131,987.32	131,987.32	127,380.00	127,380.00	126,055.71	126,055.71	121,590.00	121,136.78	121,136.78	110,180.00	110,180.00	102,027.70	102,027.70	98,197.00	104,755.77	93,974.93
- Net Advances Growth YoY	18.03%	13.73%	13.73%	10.77%	10.77%	6.77%	6.77%	5.69%	8.96%	8.96%	15.61%	15.61%	23.55%	23.55%	23.82%	15.64%	15.64%	19.64%	19.64%	13.11%	13.11%	8.05%	11.47%	15.15%
Deposits	164,886.00	166,344.45	166,344.45	156,720.00	156,720.00	158,074.64	158,074.64	154,666.00	151,212.50	151,212.50	141,000.00	141,000.00	142,509.54	142,509.54	133,210.00	135,201.99	135,201.99	117,420.00	117,420.00	112,079.23	112,079.23	108,480.00	108,069.31	96,330.61
- Deposit Growth YoY	6.61%	10.01%	10.01%	11.15%	11.15%	10.92%	10.92%	16.11%	11.84%	11.84%	20.08%	20.08%	27.15%	27.15%	22.80%	25.11%	25.11%	14.80%	14.80%	12.79%	12.79%	16.57%	12.19%	23.54%
--Savings deposits	39,590.00	37,270.00	37,270.00	34,730.00	34,730.00	36,530.00	36,530.00	35,390.00	39,350.00	39,350.00	38,620.00	38,620.00	40,850.00	40,850.00	38,310.00	40,490.00	40,490.00	35,750.00	35,750.00	36,910.00	36,910.00	33,870.00	36,040.00	34,620.00
-- saving deposit growth	11.87%	-5.29%	-5.29%	-10.07%	-10.07%	-10.58%	-10.58%	-7.62%	-2.82%	-2.82%	8.03%	8.03%	10.67%	10.67%	13.11%	12.35%	12.35%	10.10%	10.10%	3.04%	3.04%	-5.44%	4.10%	18.32%
--Current deposits	8,890.00	11,480.00	11,480.00	8,000.00	8,000.00	7,680.00	7,680.00	6,470.00	8,090.00	8,090.00	6,120.00	6,120.00	6,430.00	6,430.00	6,150.00	9,660.00	9,660.00	6,660.00	6,660.00	6,290.00	6,290.00	5,200.00	6,420.00	5,460.00
-- current deposit growth	37.40%	41.90%	41.90%	30.72%	30.72%	19.44%	19.44%	5.20%	-16.25%	-16.25%	-8.11%	-8.11%	2.23%	2.23%	18.27%	50.47%	50.47%	40.51%	40.51%	43.94%	43.94%	18.99%	17.58%	19.47%
CASA	48,480.00	48,750.00	48,750.00	42,730.00	42,730.00	44,210.00	44,210.00	41,860.00	47,440.00	47,440.00	44,740.00	44,740.00	47,280.00	47,280.00	44,460.00	50,150.00	50,150.00	42,410.00	42,410.00	43,200.00	43,200.00	39,070.00	42,460.00	40,080.00
-- % of total Deposits	29.40%	29.31%	29.31%	27.27%	27.27%	27.97%	27.97%	27.06%	31.37%	31.37%	31.73%	31.73%	33.18%	33.18%	33.38%	37.09%	37.09%	36.12%	36.12%	38.54%	38.54%	36.02%	39.29%	41.61%
Cost Ratios as % of Total Income
Interest / Discount on advances	87.81%	85.51%	85.74%	85.44%	86.26%	85.03%	83.59%	86.43%	88.24%	87.66%	88.43%	88.57%	88.36%	88.77%	87.96%	87.48%	89.21%	86.82%	87.51%	86.46%	86.56%	86.35%	86.61%	87.84%
Income on Investments	10.83%	12.16%	11.08%	12.52%	12.57%	12.49%	12.97%	12.03%	9.94%	10.71%	9.69%	10.01%	9.53%	9.43%	9.62%	10.67%	9.14%	11.25%	10.55%	11.61%	11.82%	11.40%	11.86%	10.66%
Interest on bal with RBI and others	0.29%	0.38%	0.58%	0.31%	0.21%	0.36%	0.42%	0.31%	0.44%	0.17%	0.53%	0.29%	0.65%	0.55%	0.75%	0.41%	0.43%	0.41%	0.39%	0.41%	0.31%	0.52%	0.44%	1.01%
Others	1.07%	1.95%	2.60%	1.73%	0.96%	2.12%	3.02%	1.24%	1.37%	1.45%	1.35%	1.13%	1.46%	1.25%	1.67%	1.44%	1.22%	1.53%	1.55%	1.52%	1.31%	1.72%	1.09%	0.49%
othe income	10.72%	12.61%	14.20%	12.07%	12.72%	11.75%	10.21%	13.26%	13.29%	12.88%	13.43%	20.00%	10.17%	10.81%	9.53%	11.47%	13.38%	10.75%	11.69%	10.26%	12.03%	8.51%	15.52%	19.48%
Total Interest Expense	48.13%	50.07%	48.50%	50.59%	50.50%	50.64%	51.65%	49.65%	47.42%	49.28%	46.81%	48.34%	46.05%	46.39%	45.72%	45.28%	44.77%	45.47%	45.87%	45.27%	45.61%	44.93%	41.78%	37.18%
Net Interest Income	51.87%	49.93%	51.50%	49.41%	49.50%	49.36%	48.35%	50.35%	52.58%	50.72%	53.19%	51.66%	53.95%	53.61%	54.28%	54.72%	55.23%	54.53%	54.13%	54.73%	54.39%	55.07%	58.22%	62.82%
Wages	24.12%	20.71%	21.34%	20.51%	20.87%	20.32%	20.12%	20.52%	19.87%	19.95%	19.84%	22.40%	18.57%	18.98%	18.16%	18.78%	18.70%	18.81%	19.26%	18.57%	19.20%	17.95%	17.07%	15.39%
Other administrative Exps	14.35%	14.78%	17.81%	13.77%	14.75%	13.28%	13.96%	12.62%	12.34%	14.72%	11.55%	12.36%	11.15%	11.71%	10.59%	12.23%	14.49%	11.38%	11.07%	11.53%	11.98%	11.09%	12.08%	10.01%
Total Operating Expenses	38.47%	35.50%	39.15%	34.28%	35.61%	33.61%	34.08%	33.14%	32.21%	34.67%	31.39%	34.77%	29.72%	30.69%	28.75%	31.01%	33.18%	30.18%	30.33%	30.10%	31.17%	29.04%	29.15%	25.40%
Profit before Tax and Provisions	24.12%	27.04%	26.55%	27.21%	26.61%	27.51%	24.48%	30.47%	33.66%	28.92%	35.23%	36.89%	34.40%	33.73%	35.06%	35.19%	35.43%	35.09%	35.48%	34.89%	35.25%	34.54%	44.59%	56.90%
Provisions and contingencies	12.12%	19.05%	12.47%	21.24%	21.26%	21.23%	21.53%	20.95%	17.16%	23.19%	15.17%	25.12%	10.23%	11.02%	9.45%	19.59%	34.19%	14.05%	14.66%	13.74%	14.16%	13.31%	26.40%	55.97%
PBT	12.00%	7.99%	14.08%	5.96%	5.35%	6.27%	2.95%	9.52%	16.51%	5.73%	20.06%	11.78%	24.16%	22.71%	25.61%	15.60%	1.24%	21.04%	20.82%	21.16%	21.09%	21.23%	18.19%	0.93%
Income Tax	3.09%	2.35%	4.24%	1.72%	1.56%	1.80%	0.86%	2.73%	4.00%	-0.12%	5.36%	3.99%	6.03%	5.66%	6.40%	3.78%	0.18%	5.14%	5.11%	5.16%	5.03%	5.29%	4.39%	0.02%
PAT	8.91%	5.64%	9.84%	4.24%	3.79%	4.47%	2.09%	6.79%	12.51%	5.85%	14.70%	7.78%	18.13%	17.05%	19.21%	11.82%	1.05%	15.90%	15.71%	16.00%	16.05%	15.94%	13.80%	0.91%

CUB

City Union Bank

Figures in Rs. Crores

View Reports

Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	1,629.06	5,572.06	1,515.47	4,056.60	1,434.62	2,621.98	1,331.75	1,290.22	4,672.14	1,243.25	3,428.90	1,198.96	2,229.94	1,143.47	1,086.47	4,153.38	1,080.56	3,072.82	1,035.91	2,036.91	1,028.03	1,008.88	3,800.90	3,453.99
Income on Investments	314.81	1,179.10	311.41	867.69	293.73	573.97	287.56	286.41	1,073.35	271.36	801.99	268.91	533.08	270.99	262.09	958.89	251.76	707.13	246.51	460.62	239.27	221.35	835.14	630.51
Interest on bal with RBI and others	40.95	109.20	28.52	80.67	25.68	55.00	28.66	26.34	80.11	16.34	63.77	9.06	54.71	16.35	38.36	154.22	39.66	114.55	43.21	71.35	36.09	35.26	75.00	15.97
Others	0.16	9.39	0.22	9.17	1.66	7.52	5.16	2.36	8.44	1.78	6.66	1.81	4.85	3.13	1.72	4.08	2.13	1.95	0.62	1.33	0.66	0.68	3.30	4.32
Total Fund based income	1,984.98	6,869.75	1,855.62	5,014.14	1,755.68	3,258.46	1,653.13	1,605.33	5,834.04	1,532.72	4,301.32	1,478.74	2,822.59	1,433.95	1,388.64	5,270.57	1,374.12	3,896.45	1,326.24	2,570.21	1,304.05	1,266.17	4,714.34	4,104.78
--growth y-o-y	23.65%	17.75%	21.07%	16.57%	18.73%	15.44%	15.29%	15.60%	10.69%	11.54%	10.39%	11.50%	9.82%	9.96%	9.67%	11.80%	11.89%	11.77%	10.00%	12.70%	10.40%	15.16%	14.85%	-0.72%
--growth q-o-q	6.97%	—	5.69%	—	6.20%	—	2.98%	4.74%	—	3.65%	—	3.12%	—	3.26%	1.06%	—	3.61%	—	1.70%	—	2.99%	3.10%	—	—
Other Income	243.59	1,038.83	290.48	748.35	245.35	503.01	259.13	243.88	898.06	251.22	646.84	228.39	418.45	226.32	192.13	741.66	175.23	566.43	192.88	373.55	182.07	191.48	810.36	759.08
Total Income	2,228.57	7,908.59	2,146.09	5,762.49	2,001.03	3,761.46	1,912.26	1,849.20	6,732.10	1,783.94	4,948.16	1,707.12	3,241.04	1,660.27	1,580.77	6,012.22	1,549.34	4,462.88	1,519.11	2,943.76	1,486.11	1,457.65	5,524.70	4,863.86
Total Interest Expense	1,164.85	4,039.92	1,069.78	2,970.14	1,003.51	1,966.63	986.59	980.04	3,518.33	932.40	2,585.93	890.99	1,694.93	851.46	843.47	3,147.10	827.54	2,319.56	810.31	1,509.25	765.62	743.62	2,551.54	2,188.29
--growth y-o-y	18.86%	14.83%	14.73%	14.86%	12.63%	16.03%	15.87%	16.19%	11.80%	12.67%	11.48%	9.96%	12.30%	11.21%	13.43%	23.34%	15.93%	26.22%	24.68%	27.06%	24.84%	29.43%	16.60%	-5.06%
--growth q-o-q	8.89%	—	6.60%	—	1.71%	—	0.67%	5.11%	—	4.65%	—	4.64%	—	0.95%	1.93%	—	2.13%	—	5.84%	—	2.96%	4.18%	—	—
Net Interest Income	820.13	2,829.83	785.83	2,044.00	752.18	1,291.82	666.54	625.29	2,315.71	600.31	1,715.40	587.74	1,127.66	582.49	545.17	2,123.46	546.57	1,576.89	515.93	1,060.96	538.42	522.54	2,162.80	1,916.49
--growth y-o-y	31.16%	22.20%	30.90%	19.16%	27.98%	14.56%	14.43%	14.70%	9.05%	9.83%	8.78%	13.92%	6.29%	8.18%	4.33%	-1.82%	6.28%	-4.35%	-7.16%	-2.91%	-5.19%	-0.45%	12.85%	4.75%
--growth q-o-q	4.37%	—	4.47%	—	12.85%	—	6.60%	4.16%	—	2.14%	—	0.90%	—	6.84%	-0.26%	—	5.94%	—	-4.18%	—	3.04%	1.61%	—	—
Operating Expenses
Employee Cost	234.73	889.79	234.61	655.18	230.23	424.96	224.36	200.60	733.00	196.54	536.46	178.52	357.94	183.53	174.40	613.81	167.83	445.99	155.62	290.36	158.21	132.15	530.38	503.60
Other administrative Exps	248.42	964.64	262.14	702.50	254.14	448.37	230.72	217.65	802.15	214.04	588.11	201.61	386.50	197.09	189.41	734.58	202.16	532.42	189.15	343.27	175.67	167.61	624.80	576.67
Total Operating Expenses	483.15	1,854.43	496.74	1,357.69	484.36	873.32	455.08	418.24	1,535.15	410.57	1,124.58	380.14	744.44	380.63	363.81	1,348.39	369.98	978.40	344.77	633.64	333.88	299.76	1,155.18	1,080.26
Profit before Tax and Provisions	580.57	2,014.23	579.56	1,434.67	513.16	921.51	470.59	450.92	1,678.63	440.96	1,237.66	436.00	801.67	428.18	373.49	1,516.73	351.82	1,164.91	364.03	800.88	386.61	414.27	1,817.98	1,595.31
--growth y-o-y	28.75%	19.99%	31.43%	15.92%	17.70%	14.95%	9.90%	20.73%	10.67%	25.34%	6.25%	19.77%	0.10%	10.75%	-9.84%	-16.57%	-15.64%	-16.85%	-26.80%	-11.37%	-15.30%	-7.35%	13.96%	8.68%
--growth q-o-q	0.17%	—	12.94%	—	9.05%	—	4.36%	2.26%	—	1.14%	—	1.83%	—	14.64%	6.16%	—	-3.36%	—	-5.84%	—	-6.68%	-0.67%	—	—
Provisions and contingencies
Provision for NPA	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	0.00
Others	78.00	343.00	120.00	223.00	96.00	127.00	57.00	70.00	262.00	78.00	184.00	75.00	109.00	70.00	39.00	286.00	32.00	254.00	46.00	208.00	56.00	152.00	640.50	610.15
Total Provisions	78.00	343.00	120.00	223.00	96.00	127.00	57.00	70.00	262.00	78.00	184.00	75.00	109.00	70.00	39.00	286.00	32.00	254.00	46.00	208.00	56.00	152.00	640.50	610.15
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before tax	502.57	1,671.23	459.56	1,211.67	417.16	794.51	413.59	380.92	1,416.63	362.96	1,053.66	361.00	692.67	358.18	334.49	1,230.73	319.82	910.91	318.03	592.88	330.61	262.27	1,177.48	985.16
Income Tax	120.00	345.00	100.00	245.00	85.00	160.00	85.00	75.00	293.00	75.00	218.00	75.00	143.00	73.00	70.00	215.00	65.00	150.00	65.00	85.00	50.00	35.00	240.00	225.00
effective tax rate	23.88%	20.64%	21.76%	20.22%	20.38%	20.14%	20.55%	19.69%	20.68%	20.66%	20.69%	20.78%	20.64%	20.38%	20.93%	17.47%	20.32%	16.47%	20.44%	14.34%	15.12%	13.35%	20.38%	22.84%
Net Profit	382.57	1,326.23	359.56	966.67	332.16	634.51	328.59	305.92	1,123.63	287.96	835.66	286.00	549.67	285.18	264.49	1,015.73	254.82	760.91	253.03	507.88	280.61	227.27	937.48	760.16
--growth y-o-y	25.06%	18.03%	24.86%	15.68%	16.14%	15.43%	15.22%	15.66%	10.62%	13.01%	9.82%	13.03%	8.23%	1.63%	16.38%	8.35%	16.87%	5.77%	16.16%	1.25%	1.51%	0.94%	23.33%	28.23%
--growth q-o-q	6.40%	—	8.25%	—	1.09%	—	7.41%	6.24%	—	0.69%	—	0.29%	—	7.82%	3.80%	—	0.71%	—	-9.83%	—	23.47%	4.23%	—	—
Capital & Key Ratios
Equity Share Capital	99.08	74.30	74.30	74.21	74.21	74.10	74.10	74.10	74.10	74.10	74.10	74.10	74.07	74.07	74.07	74.07	74.07	74.06	74.06	74.04	74.04	74.04	74.04	73.96
Reserves	10,917.90	10,490.56	10,490.56	10,359.18	10,359.18	10,027.02	10,027.02	9,698.44	9,392.52	9,392.52	9,163.03	9,163.03	8,877.03	8,877.03	8,591.85	8,327.36	8,327.36	8,144.08	8,144.08	7,891.05	7,891.05	7,610.43	7,383.17	6,511.75
Capital Adequacy Ratio	21.73%	21.92%	21.92%	20.13%	20.13%	21.68%	21.68%	23.10%	23.75%	23.75%	22.26%	22.26%	22.98%	22.98%	23.58%	23.84%	23.84%	21.87%	21.87%	22.21%	22.21%	23.02%	22.34%	20.85%
Earning per share	3.86	17.85	4.84	13.03	4.48	8.56	4.43	4.13	15.16	3.89	11.28	3.86	7.42	3.85	3.57	13.71	3.44	10.27	3.42	6.86	3.79	3.07	12.66	10.28
DPS	—	2.00	—	—	—	—	—	—	2.00	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.00	1.00
Dividend Payout	—	11.21%	—	—	—	—	—	—	13.19%	—	—	—	—	—	—	10.94%	—	—	—	—	—	—	7.90%	9.73%
Cost to Income Ratio	45.42%	47.93%	46.15%	48.62%	48.56%	48.66%	49.16%	48.12%	47.77%	48.22%	47.61%	46.58%	48.15%	47.06%	49.34%	47.06%	51.26%	45.65%	48.64%	44.17%	46.34%	41.98%	38.85%	40.37%
Book value per share	111.19	142.18	142.18	140.59	140.59	136.31	136.31	131.88	127.76	127.76	124.66	124.66	120.85	120.85	117.00	113.43	113.43	110.96	110.96	107.58	107.58	103.79	100.72	89.05
Adj Book Value	108.33	137.95	137.95	136.17	136.17	131.46	131.46	125.89	121.59	121.59	118.03	118.03	113.53	113.53	108.93	104.94	104.94	102.07	102.07	98.13	98.13	93.97	91.10	77.77
Gross NPAs	1,169.75	1,273.08	1,273.08	1,320.00	1,320.00	1,393.22	1,393.22	1,616.98	1,638.17	1,638.17	1,693.04	1,693.04	1,725.50	1,725.50	1,806.45	1,854.43	1,854.43	1,968.11	1,968.11	2,034.63	2,034.63	2,081.07	1,920.16	1,933.18
Net NPAs	405.20	449.42	449.42	469.34	469.34	512.86	512.86	634.55	653.07	653.07	701.54	701.54	775.02	775.02	853.50	898.68	898.68	940.90	940.90	998.73	998.73	1,038.59	1,017.64	1,191.10
% of Gross NPAs	1.73%	1.91%	1.91%	2.17%	2.17%	2.42%	2.42%	2.99%	3.09%	3.09%	3.36%	3.36%	3.54%	3.54%	3.88%	3.99%	3.99%	4.47%	4.47%	4.66%	4.66%	4.91%	4.37%	4.70%
% of Net NPAs	0.61%	0.68%	0.68%	0.78%	0.78%	0.90%	0.90%	1.20%	1.25%	1.25%	1.42%	1.42%	1.62%	1.62%	1.87%	1.97%	1.97%	2.19%	2.19%	2.34%	2.34%	2.51%	2.36%	2.95%
Return on Assets	1.57%	1.56%	1.56%	1.55%	1.53%	1.57%	1.59%	1.55%	1.55%	1.53%	1.56%	1.57%	1.55%	1.59%	1.51%	1.52%	1.48%	1.52%	1.49%	1.54%	1.69%	1.40%	1.46%	1.35%
Restructured Account	446.40	511.50	511.50	487.30	487.30	593.40	593.40	583.60	689.00	689.00	777.50	777.50	858.40	858.40	827.60	929.10	929.10	1,029.00	1,029.00	1,103.00	1,103.00	1,141.20	1,255.20	2,184.40
PCR without Tech W/off (%)	65.36%	64.70%	64.70%	64.44%	64.44%	63.19%	63.19%	60.76%	60.13%	60.13%	58.56%	58.56%	55.08%	55.08%	52.75%	51.54%	51.54%	52.19%	52.19%	50.91%	50.91%	50.09%	47.00%	38.39%
Business Numbers (Rs. Crores)
Business	146,223.20	144,183.13	144,183.13	131,407.90	131,407.90	126,166.90	126,166.90	118,771.80	115,607.21	115,607.21	108,680.30	108,680.30	105,140.59	105,140.59	101,404.80	101,182.36	101,182.36	96,743.00	96,743.00	95,366.20	95,366.20	94,059.80	95,451.20	88,048.14
Net Advances	66,880.90	65,875.17	65,875.17	60,892.00	60,892.00	56,680.86	56,680.86	53,037.80	52,081.25	52,081.25	50,409.30	50,409.30	47,771.48	47,771.48	46,547.90	45,525.72	45,525.72	44,017.00	44,017.00	42,652.16	42,652.16	42,404.80	43,053.35	40,358.47
- Net Advances Growth YoY	26.10%	26.49%	26.49%	20.80%	20.80%	18.65%	18.65%	16.05%	14.40%	14.40%	14.52%	14.52%	12.00%	12.00%	9.77%	5.74%	5.74%	2.34%	2.34%	1.76%	1.76%	3.59%	6.68%	11.62%
Deposits	79,342.30	78,307.95	78,307.95	70,515.90	70,515.90	69,486.03	69,486.03	65,734.00	63,525.95	63,525.95	58,271.00	58,271.00	57,369.11	57,369.11	54,856.90	55,656.64	55,656.64	52,726.00	52,726.00	52,714.04	52,714.04	51,655.00	52,397.86	47,689.67
- Deposit Growth YoY	20.70%	23.27%	23.27%	21.01%	21.01%	21.12%	21.12%	19.83%	14.14%	14.14%	10.52%	10.52%	8.83%	8.83%	6.20%	6.22%	6.22%	5.46%	5.46%	5.69%	5.69%	5.91%	9.87%	7.08%
--Savings deposits	14,281.61	14,617.10	14,617.10	13,635.30	13,635.30	13,478.60	13,478.60	12,598.50	12,045.10	12,045.10	11,380.60	11,380.60	11,804.30	11,804.30	11,570.80	11,561.30	11,561.30	10,966.70	10,966.70	11,013.30	11,013.30	11,158.00	10,893.20	10,910.10
--Current deposits	6,812.39	7,027.00	7,027.00	5,598.20	5,598.20	6,058.30	6,058.30	5,352.00	6,073.80	6,073.80	4,751.30	4,751.30	5,089.10	5,089.10	4,624.20	5,488.80	5,488.80	4,392.20	4,392.20	4,577.00	4,577.00	4,735.10	4,763.70	4,619.30
CASA	21,094.00	21,644.10	21,644.10	19,233.50	19,233.50	19,536.90	19,536.90	17,950.50	18,118.90	18,118.90	16,131.90	16,131.90	16,893.40	16,893.40	16,195.00	17,050.10	17,050.10	15,358.90	15,358.90	15,590.30	15,590.30	15,893.10	15,656.90	15,529.40
-- % of total Deposits	26.59%	27.64%	27.64%	27.28%	27.28%	28.12%	28.12%	27.31%	28.52%	28.52%	27.68%	27.68%	29.45%	29.45%	29.52%	30.63%	30.63%	29.13%	29.13%	29.58%	29.58%	30.77%	29.88%	32.56%
Cost Ratios as % of Total Income
Interest / Discount on advances	82.07%	81.11%	81.67%	80.90%	81.71%	80.47%	80.56%	80.37%	80.08%	81.11%	79.72%	81.08%	79.00%	79.74%	78.24%	78.80%	78.64%	78.86%	78.11%	79.25%	78.83%	79.68%	80.62%	84.15%
Income on Investments	15.86%	17.16%	16.78%	17.30%	16.73%	17.61%	17.39%	17.84%	18.40%	17.70%	18.65%	18.18%	18.89%	18.90%	18.87%	18.19%	18.32%	18.15%	18.59%	17.92%	18.35%	17.48%	17.71%	15.36%
Interest on bal with RBI and others	2.06%	1.59%	1.54%	1.61%	1.46%	1.69%	1.73%	1.64%	1.37%	1.07%	1.48%	0.61%	1.94%	1.14%	2.76%	2.93%	2.89%	2.94%	3.26%	2.78%	2.77%	2.78%	1.59%	0.39%
Others	0.01%	0.14%	0.01%	0.18%	0.09%	0.23%	0.31%	0.15%	0.14%	0.12%	0.15%	0.12%	0.17%	0.22%	0.12%	0.08%	0.15%	0.05%	0.05%	0.05%	0.05%	0.05%	0.07%	0.11%
Other income	12.27%	15.12%	15.65%	14.92%	13.97%	15.44%	15.68%	15.19%	15.39%	16.39%	15.04%	15.44%	14.83%	15.78%	13.84%	14.07%	12.75%	14.54%	14.54%	14.53%	13.96%	15.12%	17.19%	18.49%
Total Interest Expense	58.68%	58.81%	57.65%	59.24%	57.16%	60.35%	59.68%	61.05%	60.31%	60.83%	60.12%	60.25%	60.05%	59.38%	60.74%	59.71%	60.22%	59.53%	61.10%	58.72%	58.71%	58.73%	54.12%	53.31%
Net Interest Income	41.32%	41.19%	42.35%	40.76%	42.84%	39.65%	40.32%	38.95%	39.69%	39.17%	39.88%	39.75%	39.95%	40.62%	39.26%	40.29%	39.78%	40.47%	38.90%	41.28%	41.29%	41.27%	45.88%	46.69%
Wages	11.83%	12.95%	12.64%	13.07%	13.11%	13.04%	13.57%	12.50%	12.56%	12.82%	12.47%	12.07%	12.68%	12.80%	12.56%	11.65%	12.21%	11.45%	11.73%	11.30%	12.13%	10.44%	11.25%	12.27%
Other administrative Exps	12.51%	14.04%	14.13%	14.01%	14.48%	13.76%	13.96%	13.56%	13.75%	13.96%	13.67%	13.63%	13.69%	13.74%	13.64%	13.94%	14.71%	13.66%	14.26%	13.36%	13.47%	13.24%	13.25%	14.05%
Total Operating Expenses	24.34%	26.99%	26.77%	27.08%	27.59%	26.80%	27.53%	26.05%	26.31%	26.79%	26.14%	25.71%	26.37%	26.54%	26.20%	25.58%	26.93%	25.11%	26.00%	24.65%	25.60%	23.67%	24.50%	26.32%
Profit before Tax and Provisions	29.25%	29.32%	31.23%	28.61%	29.23%	28.28%	28.47%	28.09%	28.77%	28.77%	28.77%	29.48%	28.40%	29.86%	26.90%	28.78%	25.60%	29.90%	27.45%	31.16%	29.65%	32.72%	38.56%	38.86%
Provisions and contingencies	3.93%	4.99%	6.47%	4.45%	5.47%	3.90%	3.45%	4.36%	4.49%	5.09%	4.28%	5.07%	3.86%	4.88%	2.81%	5.43%	2.33%	6.52%	3.47%	8.09%	4.29%	12.00%	13.59%	14.86%
PBT	25.32%	24.33%	24.77%	24.16%	23.76%	24.38%	25.02%	23.73%	24.28%	23.68%	24.50%	24.41%	24.54%	24.98%	24.09%	23.35%	23.27%	23.38%	23.98%	23.07%	25.35%	20.71%	24.98%	24.00%
Income Tax	6.05%	5.02%	5.39%	4.89%	4.84%	4.91%	5.14%	4.67%	5.02%	4.89%	5.07%	5.07%	5.07%	5.09%	5.04%	4.08%	4.73%	3.85%	4.90%	3.31%	3.83%	2.76%	5.09%	5.48%
PAT	19.27%	19.31%	19.38%	19.28%	18.92%	19.47%	19.88%	19.06%	19.26%	18.79%	19.43%	19.34%	19.47%	19.89%	19.05%	19.27%	18.54%	19.53%	19.08%	19.76%	21.52%	17.95%	19.89%	18.52%

CSB

CSB Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	1,072.31	3,707.47	995.96	2,711.51	952.04	1,759.47	914.37	845.10	2,930.64	787.51	2,143.13	755.72	1,387.41	711.68	675.73	2,460.14	660.18	1,799.96	644.14	1,155.82	584.69	571.13	1,888.13	1,597.28
Income on Investments	204.34	762.87	201.15	561.72	187.38	374.34	186.97	187.37	621.73	182.89	438.84	157.91	280.93	143.38	137.55	423.98	123.25	300.73	112.60	188.13	96.38	91.75	404.60	380.91
Interest on bal with RBI and others	7.29	25.24	2.44	22.80	10.65	12.15	4.93	7.22	19.86	6.81	13.05	4.69	8.36	3.51	4.85	14.76	4.50	10.26	3.29	6.97	3.52	3.45	11.15	18.25
Others	3.38	9.61	1.31	8.30	4.16	4.14	2.89	1.25	24.91	3.68	21.23	1.06	20.17	6.28	13.89	28.66	6.94	21.72	1.80	19.92	2.76	17.16	15.77	41.87
Total Fund based income	1,287.32	4,505.19	1,200.86	3,304.33	1,154.23	2,150.10	1,109.16	1,040.94	3,597.14	980.89	2,616.25	919.38	1,696.87	864.85	832.02	2,927.54	794.87	2,132.67	761.83	1,370.84	687.35	683.49	2,319.65	2,038.31
--growth y-o-y	23.67%	25.24%	22.43%	26.30%	25.54%	26.71%	28.25%	25.11%	22.87%	23.40%	22.67%	20.68%	23.78%	25.82%	21.73%	26.21%	24.88%	26.71%	28.68%	25.64%	23.81%	27.53%	13.80%	8.87%
--growth q-o-q	7.20%	—	4.04%	—	4.06%	—	6.55%	6.12%	—	6.69%	—	6.31%	—	3.95%	4.67%	—	4.34%	—	10.84%	—	0.56%	7.38%	—	—
Other Income	228.75	1,176.60	306.21	870.39	276.48	593.91	349.20	244.71	972.06	381.47	590.59	219.37	371.22	199.38	171.84	591.85	196.51	395.34	125.34	270.00	148.45	121.55	316.01	251.84
Total Income	1,516.07	5,681.79	1,507.07	4,174.72	1,430.71	2,744.01	1,458.36	1,285.65	4,569.20	1,362.36	3,206.84	1,138.75	2,068.09	1,064.23	1,003.86	3,519.39	991.38	2,528.01	887.17	1,640.84	835.80	805.04	2,635.66	2,290.15
Total Interest Expense	808.66	2,784.87	736.70	2,048.17	701.04	1,347.13	685.60	661.53	2,120.97	609.62	1,511.35	543.93	967.42	497.37	470.05	1,451.13	408.84	1,042.29	379.16	663.13	343.65	319.48	985.81	885.01
--growth y-o-y	22.24%	31.30%	20.85%	35.52%	28.88%	39.25%	37.85%	40.74%	46.16%	49.11%	45.00%	43.46%	45.89%	44.73%	47.13%	47.20%	41.93%	49.38%	56.48%	45.60%	49.28%	41.84%	11.39%	-4.93%
--growth q-o-q	9.77%	—	5.09%	—	2.25%	—	3.64%	8.52%	—	12.08%	—	9.36%	—	5.81%	14.97%	—	7.83%	—	10.33%	—	7.57%	10.91%	—	—
Net Interest Income	478.66	1,720.32	464.16	1,256.16	453.19	802.97	423.56	379.41	1,476.17	371.27	1,104.90	375.45	729.45	367.48	361.97	1,476.41	386.03	1,090.38	382.67	707.71	343.70	364.01	1,333.84	1,153.30
--growth y-o-y	26.16%	16.54%	25.02%	13.69%	20.71%	10.08%	15.26%	4.82%	-0.02%	-3.82%	1.33%	-1.89%	3.07%	6.92%	-0.56%	10.69%	10.79%	10.65%	9.42%	11.33%	5.76%	17.16%	15.65%	22.51%
--growth q-o-q	3.12%	—	2.42%	—	7.00%	—	11.64%	2.19%	—	-1.11%	—	2.17%	—	1.52%	-6.23%	—	0.88%	—	11.34%	—	-5.58%	4.47%	—	—
Operating Expenses
Employee Cost	252.56	932.34	251.34	681.00	231.81	449.19	228.14	221.05	754.25	196.34	557.91	196.13	361.78	184.83	176.95	720.55	190.01	530.54	172.81	357.73	175.74	181.99	558.50	481.87
Other administrative Exps	204.08	879.19	225.36	653.83	205.75	448.08	265.32	182.76	783.74	239.65	544.09	178.04	366.05	181.68	184.37	567.77	164.53	403.24	139.33	263.91	141.77	122.14	383.95	304.51
Total Operating Expenses	456.64	1,811.53	476.70	1,334.83	437.56	897.27	493.46	403.81	1,537.99	435.99	1,102.00	374.17	727.83	366.51	361.32	1,288.32	354.54	933.78	312.14	621.64	317.51	304.13	942.45	786.38
Profit before Tax and Provisions	250.77	1,085.39	293.67	791.72	292.11	499.61	279.30	220.31	910.24	316.75	593.49	220.65	372.84	200.35	172.49	779.94	228.00	551.94	195.87	356.07	174.64	181.43	707.40	618.76
--growth y-o-y	13.83%	19.24%	-7.29%	33.40%	32.39%	34.00%	39.41%	27.72%	16.71%	38.93%	7.53%	12.65%	4.71%	14.72%	-4.93%	10.25%	12.94%	9.18%	1.26%	14.10%	10.98%	17.26%	14.33%	0.91%
--growth q-o-q	-14.61%	—	0.53%	—	4.59%	—	26.78%	-30.45%	—	43.55%	—	10.13%	—	16.15%	-24.35%	—	16.40%	—	12.16%	—	-3.74%	-10.13%	—	—
Provisions and contingencies
Provision for NPA	43.00	200.00	11.00	189.00	77.00	112.00	55.00	57.00	82.00	49.00	33.00	7.00	26.00	6.00	20.00	57.64	28.82	28.82	4.28	24.54	10.58	13.96	30.66	68.90
Loss on transfer of investments to HTM	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
Others	6.03	34.23	12.02	22.21	9.77	12.44	8.65	3.79	28.71	11.21	17.50	9.53	7.97	7.91	0.06	-39.18	-7.22	-31.96	-8.82	-23.14	-13.91	-9.23	-56.87	-64.35
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Provisions	49.03	234.23	23.02	211.21	86.77	124.44	63.65	60.79	110.71	60.21	50.50	16.53	33.97	13.91	20.06	18.46	21.60	-3.14	-4.54	1.40	-3.33	4.73	-26.21	4.55
Profit Before tax	201.74	851.16	270.65	580.51	205.34	375.17	215.65	159.52	799.53	256.54	542.99	204.12	338.87	186.44	152.43	761.48	206.40	555.08	200.41	354.67	177.97	176.70	733.61	614.21
Income Tax	51.70	217.98	69.07	148.91	52.67	96.24	55.32	40.92	205.73	66.10	139.63	52.49	87.14	48.03	39.11	194.64	54.94	139.70	50.44	89.26	44.79	44.47	186.25	155.74
effective tax rate	25.63%	25.61%	25.52%	25.65%	25.65%	25.65%	25.65%	25.65%	25.73%	25.77%	25.72%	25.72%	25.71%	25.76%	25.66%	25.56%	26.62%	25.17%	25.17%	25.17%	25.17%	25.17%	25.39%	25.36%
Net Profit	150.04	633.18	201.58	431.60	152.67	278.93	160.33	118.60	593.80	190.44	403.36	151.63	251.73	138.41	113.32	566.84	151.46	415.38	149.97	265.41	133.18	132.23	547.36	458.47
--growth y-o-y	26.51%	6.63%	5.85%	7.00%	0.69%	10.81%	15.84%	4.66%	4.76%	25.74%	-2.89%	1.11%	-5.15%	3.93%	-14.30%	3.56%	-3.12%	6.23%	-3.83%	12.91%	10.48%	15.46%	19.39%	109.94%
--growth q-o-q	-25.57%	—	32.04%	—	-4.78%	—	35.19%	-37.72%	—	25.60%	—	9.55%	—	22.14%	-25.18%	—	0.99%	—	12.61%	—	0.72%	-15.42%	—	—
Capital & Key Ratios
Equity Share Capital	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54	173.54
Reserves	4,699.95	4,549.91	4,549.91	4,581.96	4,581.96	4,429.29	4,429.29	4,268.96	4,150.36	4,150.36	3,857.63	3,857.63	3,706.00	3,706.00	3,567.59	3,454.27	3,454.27	3,293.45	3,293.45	3,143.48	3,143.48	3,010.30	2,878.07	2,324.64
Capital Adequacy Ratio	19.96%	20.66%	20.66%	19.41%	19.41%	20.99%	20.99%	21.71%	22.46%	22.46%	21.08%	21.08%	22.74%	22.74%	23.61%	24.47%	24.47%	22.99%	22.99%	23.96%	23.96%	25.99%	21.10%	25.90%
CET 1	18.96%	18.93%	18.93%	17.66%	17.66%	19.19%	19.19%	19.92%	20.59%	20.59%	19.73%	19.73%	21.37%	21.37%	22.30%	23.10%	23.10%	21.60%	21.60%	22.56%	22.56%	24.08%	25.87%	24.35%
Earning per share	8.65	36.49	11.62	24.87	8.80	16.07	9.24	6.83	34.22	10.97	23.24	8.74	14.51	7.98	6.53	32.66	8.73	23.94	8.64	15.29	7.67	7.62	31.54	26.42
DPS	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
Dividend Payout	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	64.55%	62.53%	61.88%	62.77%	59.97%	64.23%	63.86%	64.70%	62.82%	57.92%	65.00%	62.90%	66.13%	64.66%	67.69%	62.29%	60.86%	62.85%	61.44%	63.58%	64.51%	62.63%	57.12%	55.96%
Book value per share	280.83	272.18	272.18	274.03	274.03	265.23	265.23	255.99	249.16	249.16	232.29	232.29	223.55	223.55	215.58	209.05	209.05	199.78	199.78	191.14	191.14	183.46	175.84	143.95
Adj Book Value	274.47	265.80	265.80	264.12	264.12	258.03	258.03	247.31	242.56	242.56	224.92	224.92	216.16	216.16	208.76	204.01	204.01	196.95	196.95	188.21	188.21	180.73	172.95	139.64
Gross NPAs	715.42	669.78	669.78	729.42	729.42	628.75	628.75	606.49	498.46	498.46	458.17	458.17	452.12	452.12	423.99	361.07	361.07	278.73	278.73	284.76	284.76	270.66	262.56	289.51
Net NPAs	157.68	158.23	158.23	245.66	245.66	178.46	178.46	215.15	163.53	163.53	182.71	182.71	183.32	183.32	169.11	124.90	124.90	70.23	70.23	72.49	72.49	67.77	71.82	106.99
% of Gross NPAs	1.75%	1.66%	1.66%	1.96%	1.96%	1.81%	1.81%	1.84%	1.57%	1.57%	1.58%	1.58%	1.68%	1.68%	1.69%	1.47%	1.47%	1.22%	1.22%	1.27%	1.27%	1.27%	1.26%	1.81%
% of Net NPAs	0.39%	0.40%	0.40%	0.67%	0.67%	0.52%	0.52%	0.66%	0.52%	0.52%	0.64%	0.64%	0.69%	0.69%	0.68%	0.51%	0.51%	0.31%	0.31%	0.33%	0.33%	0.32%	0.35%	0.68%
Return on Assets	1.06%	1.26%	1.50%	1.16%	1.18%	1.16%	1.30%	1.01%	1.49%	1.73%	1.39%	1.48%	1.36%	1.48%	1.24%	1.79%	1.79%	1.78%	1.84%	1.76%	1.73%	1.79%	2.06%	1.90%
PCR without Tech W/off (%)	77.96%	76.38%	76.38%	66.32%	66.32%	71.62%	71.62%	64.53%	67.19%	67.19%	60.12%	60.12%	59.45%	59.45%	60.11%	65.41%	65.41%	74.80%	74.80%	74.54%	74.54%	74.96%	72.65%	63.04%
Business Numbers (Rs. Crores)
Business	85,724.00	84,093.76	84,093.76	77,137.00	77,137.00	73,913.09	73,913.09	68,487.00	68,368.54	68,368.54	62,046.00	62,046.00	58,442.31	58,442.31	54,764.00	54,054.38	54,054.38	50,003.00	50,003.00	47,694.37	47,694.37	45,579.07	45,156.46	36,002.98
Net Advances	40,309.00	39,847.84	39,847.84	36,677.00	36,677.00	34,261.63	34,261.63	32,552.00	31,507.05	31,507.05	28,639.00	28,639.00	26,602.12	26,602.12	24,844.00	24,335.58	24,335.58	22,658.00	22,658.00	22,255.99	22,255.99	21,103.55	20,650.65	15,814.68
- Net Advances Growth YoY	23.83%	26.47%	26.47%	28.07%	28.07%	28.79%	28.79%	31.03%	29.47%	29.47%	26.40%	26.40%	19.53%	19.53%	17.72%	17.84%	17.84%	22.76%	22.76%	27.41%	27.41%	30.74%	30.58%	9.53%
Deposits	45,415.00	44,245.92	44,245.92	40,460.00	40,460.00	39,651.46	39,651.46	35,935.00	36,861.49	36,861.49	33,407.00	33,407.00	31,840.19	31,840.19	29,920.00	29,718.80	29,718.80	27,345.00	27,345.00	25,438.38	25,438.38	24,475.52	24,505.81	20,188.30
- Deposit Growth YoY	26.38%	20.03%	20.03%	21.11%	21.11%	24.53%	24.53%	20.10%	24.03%	24.03%	22.17%	22.17%	25.17%	25.17%	22.24%	21.27%	21.27%	20.65%	20.65%	21.21%	21.21%	20.77%	21.39%	5.48%
CASA	8,815.00	8,832.00	8,832.00	8,316.00	8,316.00	8,394.00	8,394.00	8,441.00	8,918.00	8,918.00	8,042.00	8,042.00	7,670.00	7,670.00	7,449.00	8,085.00	8,085.00	7,543.00	7,543.00	7,448.00	7,448.00	7,548.08	7,886.26	6,795.00
-- % of total Deposits	19.41%	19.96%	19.96%	20.55%	20.55%	21.17%	21.17%	23.49%	24.19%	24.19%	24.07%	24.07%	24.09%	24.09%	24.90%	27.21%	27.21%	27.58%	27.58%	29.28%	29.28%	30.84%	32.18%	33.66%
Cost Ratios as % of Total Income
Interest / Discount on advances	83.30%	82.29%	82.94%	82.06%	82.48%	81.83%	82.44%	81.19%	81.47%	80.29%	81.92%	82.20%	81.76%	82.29%	81.22%	84.03%	83.06%	84.40%	84.55%	84.31%	85.06%	83.56%	81.40%	78.36%
Income on Investments	15.87%	16.93%	16.75%	17.00%	16.23%	17.41%	16.86%	18.00%	17.28%	18.65%	16.77%	17.18%	16.56%	16.58%	16.53%	14.48%	15.51%	14.10%	14.78%	13.72%	14.02%	13.42%	17.44%	18.69%
Interest on bal with RBI and other banks	0.57%	0.56%	0.20%	0.69%	0.92%	0.57%	0.44%	0.69%	0.55%	0.69%	0.50%	0.51%	0.49%	0.41%	0.58%	0.50%	0.57%	0.48%	0.43%	0.51%	0.51%	0.50%	0.48%	0.90%
Others	0.26%	0.21%	0.11%	0.25%	0.36%	0.19%	0.26%	0.12%	0.69%	0.38%	0.81%	0.12%	1.19%	0.73%	1.67%	0.98%	0.87%	1.02%	0.24%	1.45%	0.40%	2.51%	0.68%	2.05%
Other Income	17.77%	26.12%	25.50%	26.34%	23.95%	27.62%	31.48%	23.51%	27.02%	38.89%	22.57%	23.86%	21.88%	23.05%	20.65%	20.22%	24.72%	18.54%	16.45%	19.70%	21.60%	17.78%	13.62%	12.36%
Total Interest Expense	62.82%	61.81%	61.35%	61.98%	60.74%	62.65%	61.81%	63.55%	58.96%	62.15%	57.77%	59.16%	57.01%	57.51%	56.50%	49.57%	51.43%	48.87%	49.77%	48.37%	50.00%	46.74%	42.50%	43.42%
Net Interest Income	37.18%	38.19%	38.65%	38.02%	39.26%	37.35%	38.19%	36.45%	41.04%	37.85%	42.23%	40.84%	42.99%	42.49%	43.50%	50.43%	48.57%	51.13%	50.23%	51.63%	50.00%	53.26%	57.50%	56.58%
Wages	19.62%	20.69%	20.93%	20.61%	20.08%	20.89%	20.57%	21.24%	20.97%	20.02%	21.32%	21.33%	21.32%	21.37%	21.27%	24.61%	23.90%	24.88%	22.68%	26.10%	25.57%	26.63%	24.08%	23.64%
Other administrative Exps	15.85%	19.52%	18.77%	19.79%	17.83%	20.84%	23.92%	17.56%	21.79%	24.43%	20.80%	19.37%	21.57%	21.01%	22.16%	19.39%	20.70%	18.91%	18.29%	19.25%	20.63%	17.87%	16.55%	14.94%
Total Operating Expenses	35.47%	40.21%	39.70%	40.40%	37.91%	41.73%	44.49%	38.79%	42.76%	44.45%	42.12%	40.70%	42.89%	42.38%	43.43%	44.01%	44.60%	43.78%	40.97%	45.35%	46.19%	44.50%	40.63%	38.58%
Profit before Tax and Provisions	19.48%	24.09%	24.45%	23.96%	25.31%	23.24%	25.18%	21.16%	25.30%	32.29%	22.68%	24.00%	21.97%	23.17%	20.73%	26.64%	28.68%	25.88%	25.71%	25.97%	25.41%	26.54%	30.50%	30.36%
Provisions and contingencies	3.81%	5.20%	1.92%	6.39%	7.52%	5.79%	5.74%	5.84%	3.08%	6.14%	1.93%	1.80%	2.00%	1.61%	2.41%	0.63%	2.72%	-0.15%	-0.60%	0.10%	-0.48%	0.69%	-1.13%	0.22%
PBT	15.67%	18.89%	22.54%	17.57%	17.79%	17.45%	19.44%	15.32%	22.23%	26.15%	20.75%	22.20%	19.97%	21.56%	18.32%	26.01%	25.97%	26.03%	26.31%	25.87%	25.89%	25.85%	31.63%	30.13%
Income Tax	4.02%	4.84%	5.75%	4.51%	4.56%	4.48%	4.99%	3.93%	5.72%	6.74%	5.34%	5.71%	5.14%	5.55%	4.70%	6.65%	6.91%	6.55%	6.62%	6.51%	6.52%	6.51%	8.03%	7.64%
PAT	11.66%	14.05%	16.79%	13.06%	13.23%	12.97%	14.46%	11.39%	16.51%	19.42%	15.42%	16.49%	14.83%	16.00%	13.62%	19.36%	19.05%	19.48%	19.69%	19.36%	19.38%	19.35%	23.60%	22.49%

DCB

DCB Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	1,601.17	5,890.03	1,539.33	4,350.70	1,478.83	2,871.87	1,441.59	1,430.28	5,099.26	1,385.24	3,714.02	1,322.42	2,391.60	1,226.23	1,165.37	4,237.96	1,138.58	3,099.38	1,081.27	2,018.11	1,038.69	979.42	3,394.82	2,831.77
Income on Investments	367.27	1,439.80	344.03	1,095.77	360.76	735.01	367.16	367.85	1,310.36	341.31	969.05	334.74	634.31	325.72	308.59	1,049.92	288.56	761.36	275.17	486.19	249.43	236.76	711.99	594.29
Interest on bal with RBI and others	12.05	47.40	19.79	27.61	11.62	15.99	7.53	8.46	31.87	8.57	23.30	6.69	16.61	8.95	7.66	32.14	6.37	25.77	8.27	17.50	7.24	10.26	59.33	53.52
Others	3.82	27.24	4.12	23.12	9.67	13.45	6.47	6.98	29.10	6.77	22.33	7.20	15.13	7.50	7.63	42.02	11.09	30.93	9.39	21.54	10.24	11.30	34.13	33.19
Total Fund based income	1,984.31	7,404.47	1,907.27	5,497.20	1,860.88	3,636.32	1,822.75	1,813.57	6,470.59	1,741.89	4,728.70	1,671.05	3,057.65	1,568.40	1,489.25	5,362.04	1,444.60	3,917.44	1,374.10	2,543.34	1,305.60	1,237.74	4,200.27	3,512.77
--growth y-o-y	9.41%	14.43%	9.49%	16.25%	11.36%	18.93%	16.22%	21.78%	20.67%	20.58%	20.71%	21.61%	20.22%	20.13%	20.32%	27.66%	22.50%	29.67%	28.21%	30.48%	30.56%	30.39%	19.57%	1.58%
--growth q-o-q	4.04%	—	2.49%	—	2.09%	—	0.51%	4.12%	—	4.24%	—	6.54%	—	5.31%	3.09%	—	5.13%	—	5.25%	—	5.48%	4.96%	—	—
Other Income	196.33	855.14	211.51	643.63	221.42	422.21	186.09	236.12	750.51	218.82	531.69	184.05	347.64	204.64	143.00	474.23	136.22	338.01	123.72	214.29	107.35	106.94	409.39	451.04
Total Income	2,180.64	8,259.61	2,118.78	6,140.83	2,082.30	4,058.53	2,008.84	2,049.69	7,221.10	1,960.71	5,260.39	1,855.10	3,405.29	1,773.04	1,632.25	5,836.27	1,580.82	4,255.45	1,497.82	2,757.63	1,412.95	1,344.68	4,609.66	3,963.81
Total Interest Expense	1,300.36	4,947.93	1,252.05	3,695.88	1,236.21	2,459.67	1,226.54	1,233.13	4,364.02	1,183.93	3,180.09	1,128.18	2,051.91	1,059.24	992.67	3,434.14	937.12	2,497.02	900.11	1,596.91	829.89	767.02	2,483.27	2,155.26
--growth y-o-y	5.45%	13.38%	5.75%	16.22%	9.58%	19.87%	15.79%	24.22%	27.08%	26.34%	27.36%	25.34%	28.49%	27.64%	29.42%	38.29%	35.16%	39.50%	43.85%	37.17%	40.92%	33.32%	15.22%	-0.75%
--growth q-o-q	3.86%	—	1.28%	—	0.79%	—	-0.53%	4.16%	—	4.94%	—	6.51%	—	6.71%	5.93%	—	4.11%	—	8.46%	—	8.20%	10.63%	—	—
Net Interest Income	683.95	2,456.54	655.22	1,801.32	624.67	1,176.65	596.21	580.44	2,106.57	557.96	1,548.61	542.87	1,005.74	509.16	496.58	1,927.90	507.48	1,420.42	473.99	946.43	475.71	470.72	1,717.00	1,357.51
--growth y-o-y	17.83%	16.61%	17.43%	16.32%	15.07%	16.99%	17.10%	16.89%	9.27%	9.95%	9.02%	14.53%	6.27%	7.03%	5.49%	12.28%	4.43%	15.38%	6.27%	20.56%	15.72%	25.88%	26.48%	5.51%
--growth q-o-q	4.38%	—	4.89%	—	4.77%	—	2.72%	4.03%	—	2.78%	—	6.62%	—	2.53%	-2.15%	—	7.07%	—	-0.36%	—	1.06%	-3.13%	—	—
Operating Expenses
Employee Cost	267.20	1,025.94	262.13	763.81	269.54	494.27	243.23	251.04	923.06	231.43	691.63	231.18	460.45	235.13	225.32	794.33	211.90	582.43	198.44	383.99	188.93	195.06	692.89	539.13
Other administrative Exps	269.04	989.99	262.50	727.49	253.71	473.78	235.15	238.63	897.02	239.95	657.07	224.63	432.44	223.55	208.89	743.35	198.05	545.30	187.76	357.54	183.61	173.93	646.77	473.42
Total Operating Expenses	536.24	2,015.93	524.63	1,491.30	523.25	968.05	478.38	489.67	1,820.08	471.38	1,348.70	455.81	892.89	458.68	434.21	1,537.68	409.95	1,127.73	386.20	741.53	372.54	368.99	1,339.66	1,012.55
Profit before Tax and Provisions	344.04	1,295.75	342.10	953.65	322.84	630.81	303.92	326.89	1,037.00	305.40	731.60	271.11	460.49	255.12	205.37	864.45	233.75	630.70	211.51	419.19	210.52	208.67	786.73	796.00
--growth y-o-y	5.25%	24.95%	12.02%	30.35%	19.08%	36.99%	19.13%	59.17%	19.96%	30.65%	16.00%	28.18%	9.85%	21.19%	-1.58%	9.88%	-4.18%	16.20%	8.96%	20.22%	15.32%	25.61%	-1.16%	-11.45%
--growth q-o-q	0.57%	—	5.97%	—	6.23%	—	-7.03%	7.04%	—	12.65%	—	6.27%	—	24.22%	-12.14%	—	10.51%	—	0.47%	—	0.89%	-14.46%	—	—
Provisions and contingencies
Others	57.07	318.78	69.00	249.78	74.11	175.67	60.53	115.14	208.39	67.22	141.17	67.18	73.99	45.60	28.39	142.49	24.08	118.41	41.00	77.41	39.68	37.73	159.17	406.45
Total Provisions	57.07	318.78	69.00	249.78	74.11	175.67	60.53	115.14	208.39	67.22	141.17	67.18	73.99	45.60	28.39	142.49	24.08	118.41	41.00	77.41	39.68	37.73	159.17	406.45
Profit Before tax	286.97	976.97	273.10	703.87	248.73	455.14	243.39	211.75	828.61	238.18	590.43	203.93	386.50	209.52	176.98	721.96	209.67	512.29	170.51	341.78	170.84	170.94	627.56	389.55
Income Tax	73.77	245.41	67.45	177.96	63.99	113.97	59.48	54.49	213.27	61.11	152.16	52.49	99.67	54.05	45.62	185.98	53.99	131.99	43.93	88.06	44.05	44.01	162.00	102.04
effective tax rate	25.71%	25.12%	24.70%	25.28%	25.73%	25.04%	24.44%	25.73%	25.74%	25.66%	25.77%	25.74%	25.79%	25.80%	25.78%	25.76%	25.75%	25.76%	25.76%	25.77%	25.78%	25.75%	25.81%	26.19%
Net Profit	213.20	731.56	205.65	525.91	184.74	341.17	183.91	157.26	615.34	177.07	438.27	151.44	286.83	155.47	131.36	535.98	155.68	380.30	126.58	253.72	126.79	126.93	465.56	287.51
--growth y-o-y	35.57%	18.89%	16.14%	20.00%	21.99%	18.95%	18.29%	19.72%	14.81%	13.74%	15.24%	19.64%	13.05%	22.62%	3.49%	15.13%	9.47%	17.61%	11.18%	21.11%	12.85%	30.65%	61.93%	-14.48%
--growth q-o-q	3.67%	—	11.32%	—	0.45%	—	16.95%	-11.19%	—	16.92%	—	-2.59%	—	18.35%	-15.62%	—	22.99%	—	-0.17%	—	-0.11%	-10.74%	—	—
Capital & Key Ratios
Equity Share Capital	322.08	321.90	321.90	321.74	321.74	315.16	315.16	314.47	314.29	314.29	313.82	313.82	313.57	313.57	313.21	312.80	312.80	312.11	312.11	311.92	311.92	311.73	311.50	310.98
Reserves	6,037.44	5,824.24	5,824.24	5,616.09	5,616.09	5,431.35	5,431.35	5,247.44	5,090.18	5,090.18	4,903.26	4,903.26	4,751.82	4,751.82	4,596.35	4,464.99	4,464.99	4,334.91	4,334.91	4,208.33	4,208.33	4,081.54	3,954.61	3,511.20
Capital Adequacy Ratio	17.03%	16.55%	16.55%	15.84%	15.84%	16.41%	16.41%	16.66%	16.77%	16.77%	16.29%	16.29%	15.55%	15.55%	15.95%	16.59%	16.59%	15.72%	15.72%	16.55%	16.55%	17.09%	17.55%	18.92%
Earning per share	6.62	22.73	6.39	16.35	5.74	10.83	5.84	5.00	19.58	5.63	13.97	4.83	9.15	4.96	4.19	17.13	4.98	12.18	4.06	8.13	4.06	4.07	14.95	9.25
Cost to Income Ratio	60.92%	60.87%	60.53%	61.00%	61.84%	60.55%	61.15%	59.97%	63.70%	60.68%	64.83%	62.70%	65.97%	64.26%	67.89%	64.01%	63.69%	64.13%	64.61%	63.89%	63.89%	63.88%	63.00%	55.99%
Book value per share	197.45	190.93	190.93	184.55	184.55	182.34	182.34	176.87	171.96	171.96	166.24	166.24	161.54	161.54	156.75	152.74	152.74	148.89	148.89	144.92	144.92	140.93	136.95	122.91
Adj Book Value	186.49	179.32	179.32	171.00	171.00	168.11	168.11	162.94	159.23	159.23	153.70	153.70	149.90	149.90	145.59	142.58	142.58	138.20	138.20	134.23	134.23	131.41	128.93	110.00
Gross NPAs	1,481.74	1,495.73	1,495.73	1,567.51	1,567.51	1,568.03	1,568.03	1,553.63	1,554.43	1,554.43	1,517.18	1,517.18	1,496.64	1,496.64	1,434.55	1,353.47	1,353.47	1,367.62	1,367.62	1,281.25	1,281.25	1,181.38	1,122.84	1,289.93
Net NPAs	504.34	533.97	533.97	622.98	622.98	640.54	640.54	625.40	571.55	571.55	562.45	562.45	521.28	521.28	499.22	454.33	454.33	476.85	476.85	476.43	476.43	423.89	356.92	573.23
% of Gross NPAs	2.43%	2.45%	2.45%	2.72%	2.72%	2.91%	2.91%	2.98%	2.99%	2.99%	3.11%	3.11%	3.29%	3.29%	3.33%	3.23%	3.23%	3.43%	3.43%	3.36%	3.36%	3.26%	3.19%	4.32%
% of Net NPAs	0.84%	0.89%	0.89%	1.10%	1.10%	1.21%	1.21%	1.22%	1.12%	1.12%	1.18%	1.18%	1.17%	1.17%	1.18%	1.11%	1.11%	1.22%	1.22%	1.28%	1.28%	1.19%	1.04%	1.97%
Return on Assets	0.96%	0.91%	0.97%	0.89%	0.91%	0.88%	0.94%	0.81%	0.89%	0.95%	0.87%	0.86%	0.88%	0.93%	0.82%	0.93%	1.02%	0.90%	0.86%	0.92%	0.90%	0.94%	0.97%	0.70%
PCR without Tech W/off (%)	65.96%	64.30%	64.30%	60.26%	60.26%	59.15%	59.15%	59.75%	63.23%	63.23%	62.93%	62.93%	65.17%	65.17%	65.20%	66.43%	66.43%	65.13%	65.13%	62.82%	62.82%	64.12%	68.21%	55.56%
Business Numbers (Rs. Crores)
Business	134,433.00	132,605.02	132,605.02	124,354.00	124,354.00	117,751.06	117,751.06	113,254.00	111,077.86	111,077.86	104,458.00	104,458.00	98,996.90	98,996.90	93,871.00	90,277.59	90,277.59	86,071.00	86,071.00	82,772.32	82,772.32	78,483.00	75,619.65	63,787.47
Net Advances	59,951.00	60,021.76	60,021.76	56,600.00	56,600.00	52,974.54	52,974.54	51,215.00	51,046.91	51,046.91	47,780.00	47,780.00	44,465.16	44,465.16	42,181.00	40,924.56	40,924.56	38,951.00	38,951.00	37,275.98	37,275.98	35,474.00	34,380.74	29,095.78
- Net Advances Growth YoY	17.06%	17.58%	17.58%	18.46%	18.46%	19.14%	19.14%	21.42%	24.73%	24.73%	22.67%	22.67%	19.29%	19.29%	18.91%	19.03%	19.03%	18.16%	18.16%	19.13%	19.13%	18.98%	18.16%	12.08%
Deposits	74,482.00	72,583.26	72,583.26	67,754.00	67,754.00	64,776.52	64,776.52	62,039.00	60,030.95	60,030.95	56,678.00	56,678.00	54,531.74	54,531.74	51,690.00	49,353.03	49,353.03	47,120.00	47,120.00	45,496.34	45,496.34	43,009.00	41,238.91	34,691.69
- Deposit Growth YoY	20.06%	20.91%	20.91%	19.54%	19.54%	18.79%	18.79%	20.02%	21.64%	21.64%	20.28%	20.28%	19.86%	19.86%	20.18%	19.68%	19.68%	19.27%	19.27%	23.10%	23.10%	22.60%	18.87%	16.79%
--Savings deposits	13,675.70	13,696.22	13,696.22	13,113.80	13,113.80	12,843.10	12,843.10	12,139.49	12,453.97	12,453.97	11,974.92	11,974.92	11,756.85	11,756.85	11,004.62	10,427.70	10,427.70	10,230.44	10,230.44	9,249.49	9,249.49	9,078.77	8,782.18	7,146.37
- Growth YoY	12.65%	9.97%	9.97%	9.51%	9.51%	9.24%	9.24%	10.31%	19.43%	19.43%	17.05%	17.05%	27.11%	27.11%	21.21%	18.74%	18.74%	14.76%	14.76%	5.28%	5.28%	14.65%	22.89%	50.43%
--Current deposits	2,451.30	2,550.78	2,550.78	2,314.20	2,314.20	2,391.90	2,391.90	2,329.51	2,267.03	2,267.03	2,247.08	2,247.08	2,206.15	2,206.15	2,127.38	2,414.30	2,414.30	2,080.56	2,080.56	2,141.51	2,141.51	2,088.23	2,113.82	2,134.63
- Growth YoY	5.23%	12.52%	12.52%	2.99%	2.99%	8.42%	8.42%	9.50%	-6.10%	-6.10%	8.00%	8.00%	3.02%	3.02%	1.88%	14.21%	14.21%	4.20%	4.20%	3.92%	3.92%	-0.80%	-0.97%	4.85%
CASA	16,127.00	16,247.00	16,247.00	15,428.00	15,428.00	15,235.00	15,235.00	14,469.00	14,721.00	14,721.00	14,222.00	14,222.00	13,963.00	13,963.00	13,132.00	12,842.00	12,842.00	12,311.00	12,311.00	11,391.00	11,391.00	11,167.00	10,896.00	9,281.00
-- % of total Deposits	21.65%	22.38%	22.38%	22.77%	22.77%	23.52%	23.52%	23.32%	24.52%	24.52%	25.09%	25.09%	25.61%	25.61%	25.41%	26.02%	26.02%	26.13%	26.13%	25.04%	25.04%	25.96%	26.42%	26.75%
Cost Ratios as % of Total Income
Interest / Discount on advances	80.69%	79.55%	80.71%	79.14%	79.47%	78.98%	79.09%	78.87%	78.81%	79.53%	78.54%	79.14%	78.22%	78.18%	78.25%	79.04%	78.82%	79.12%	78.69%	79.35%	79.56%	79.13%	80.82%	80.61%
Income on Investments	18.51%	19.45%	18.04%	19.93%	19.39%	20.21%	20.14%	20.28%	20.25%	19.59%	20.49%	20.03%	20.75%	20.77%	20.72%	19.58%	19.98%	19.44%	20.03%	19.12%	19.10%	19.13%	16.95%	16.92%
Interest on bal with RBI and others	0.61%	0.64%	1.04%	0.50%	0.62%	0.44%	0.41%	0.47%	0.49%	0.49%	0.49%	0.40%	0.54%	0.57%	0.51%	0.60%	0.44%	0.66%	0.60%	0.69%	0.55%	0.83%	1.41%	1.52%
Others	0.19%	0.37%	0.22%	0.42%	0.52%	0.37%	0.35%	0.38%	0.45%	0.39%	0.47%	0.43%	0.49%	0.48%	0.51%	0.78%	0.77%	0.79%	0.68%	0.85%	0.78%	0.91%	0.81%	0.94%
Other income	9.89%	11.55%	11.09%	11.71%	11.90%	11.61%	10.21%	13.02%	11.60%	12.56%	11.24%	11.01%	11.37%	13.05%	9.60%	8.84%	9.43%	8.63%	9.00%	8.43%	8.22%	8.64%	9.75%	12.84%
Total Interest Expense	65.53%	66.82%	65.65%	67.23%	66.43%	67.64%	67.29%	67.99%	67.44%	67.97%	67.25%	67.51%	67.11%	67.54%	66.66%	64.05%	64.87%	63.74%	65.51%	62.79%	63.56%	61.97%	59.12%	61.35%
Net Interest Income	34.47%	33.18%	34.35%	32.77%	33.57%	32.36%	32.71%	32.01%	32.56%	32.03%	32.75%	32.49%	32.89%	32.46%	33.34%	35.95%	35.13%	36.26%	34.49%	37.21%	36.44%	38.03%	40.88%	38.65%
Wages	13.47%	13.86%	13.74%	13.89%	14.48%	13.59%	13.34%	13.84%	14.27%	13.29%	14.63%	13.83%	15.06%	14.99%	15.13%	14.81%	14.67%	14.87%	14.44%	15.10%	14.47%	15.76%	16.50%	15.35%
Other administrative Exps	13.56%	13.37%	13.76%	13.23%	13.63%	13.03%	12.90%	13.16%	13.86%	13.78%	13.90%	13.44%	14.14%	14.25%	14.03%	13.86%	13.71%	13.92%	13.66%	14.06%	14.06%	14.05%	15.40%	13.48%
Total Operating Expenses	27.02%	27.23%	27.51%	27.13%	28.12%	26.62%	26.24%	27.00%	28.13%	27.06%	28.52%	27.28%	29.20%	29.25%	29.16%	28.68%	28.38%	28.79%	28.11%	29.16%	28.53%	29.81%	31.89%	28.82%
Profit before Tax and Provisions	17.34%	17.50%	17.94%	17.35%	17.35%	17.35%	16.67%	18.02%	16.03%	17.53%	15.47%	16.22%	15.06%	16.27%	13.79%	16.12%	16.18%	16.10%	15.39%	16.48%	16.12%	16.86%	18.73%	22.66%
Provisions and contingencies	2.88%	4.31%	3.62%	4.54%	3.98%	4.83%	3.32%	6.35%	3.22%	3.86%	2.99%	4.02%	2.42%	2.91%	1.91%	2.66%	1.67%	3.02%	2.98%	3.04%	3.04%	3.05%	3.79%	11.57%
PBT	14.46%	13.19%	14.32%	12.80%	13.37%	12.52%	13.35%	11.68%	12.81%	13.67%	12.49%	12.20%	12.64%	13.36%	11.88%	13.46%	14.51%	13.08%	12.41%	13.44%	13.09%	13.81%	14.94%	11.09%
Income Tax	3.72%	3.31%	3.54%	3.24%	3.44%	3.13%	3.26%	3.00%	3.30%	3.51%	3.22%	3.14%	3.26%	3.45%	3.06%	3.47%	3.74%	3.37%	3.20%	3.46%	3.37%	3.56%	3.86%	2.90%
PAT	10.74%	9.88%	10.78%	9.57%	9.93%	9.38%	10.09%	8.67%	9.51%	10.17%	9.27%	9.06%	9.38%	9.91%	8.82%	10.00%	10.78%	9.71%	9.21%	9.98%	9.71%	10.25%	11.08%	8.18%

Dhanl

Dhanlaxmi Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	373.21	1,305.35	365.37	939.98	332.04	607.94	307.96	299.98	1,062.90	283.99	778.91	275.89	503.02	258.08	244.94	962.45	242.42	720.03	249.06	470.97	238.62	232.35	825.42	650.13
Income on Investments	72.46	276.16	68.11	208.05	71.72	136.33	72.27	64.06	226.25	60.25	166.00	49.83	116.17	58.06	58.11	220.62	58.70	161.92	54.92	107.00	52.64	54.36	235.10	245.64
Interest on bal with RBI and others	2.62	8.57	2.90	5.67	1.90	3.77	1.78	1.99	14.62	4.72	9.90	6.72	3.18	2.30	0.88	7.26	2.82	4.44	1.71	2.73	2.10	0.63	2.52	11.43
Others	1.07	11.40	6.67	4.73	1.40	3.33	1.60	1.73	16.11	1.66	14.45	2.15	12.30	10.39	1.91	16.66	2.29	14.37	2.03	12.34	10.54	1.80	8.19	9.45
Total Fund based income	449.36	1,601.48	443.05	1,158.43	407.06	751.37	383.61	367.76	1,319.88	350.62	969.26	334.59	634.67	328.83	305.84	1,206.99	306.23	900.76	307.72	593.04	303.90	289.14	1,071.23	916.65
--growth y-o-y	22.19%	21.34%	26.36%	19.52%	21.66%	18.39%	16.66%	20.25%	9.35%	14.50%	7.60%	8.73%	7.02%	8.20%	5.78%	12.67%	11.72%	13.00%	11.39%	13.86%	15.77%	11.91%	16.86%	-1.51%
--growth q-o-q	1.42%	—	8.84%	—	6.11%	—	4.31%	4.89%	—	4.79%	—	1.75%	—	7.52%	-0.13%	—	-0.48%	—	1.26%	—	5.10%	5.49%	—	—
Other Income	34.89	192.39	69.29	123.10	49.25	73.85	34.55	39.30	169.20	43.09	126.11	42.20	83.91	51.81	32.10	152.56	41.07	111.49	35.70	75.79	23.53	52.26	74.52	161.70
Total Income	484.25	1,793.87	512.34	1,281.53	456.31	825.22	418.16	407.06	1,489.08	393.71	1,095.37	376.79	718.58	380.64	337.94	1,359.55	347.30	1,012.25	343.42	668.83	327.43	341.40	1,145.75	1,078.35
Total Interest Expense	271.74	979.15	256.00	723.15	252.84	470.31	241.65	228.66	836.59	216.39	620.20	206.25	413.95	208.00	205.95	748.54	201.37	547.17	193.72	353.45	182.94	170.51	595.48	554.33
--growth y-o-y	18.84%	17.04%	18.30%	16.60%	22.59%	13.62%	16.18%	11.03%	11.76%	7.46%	13.35%	6.47%	17.12%	13.70%	20.78%	25.70%	26.69%	25.35%	29.67%	23.10%	25.25%	20.87%	7.42%	-7.78%
--growth q-o-q	6.15%	—	1.25%	—	4.63%	—	5.68%	5.67%	—	4.92%	—	-0.84%	—	1.00%	2.27%	—	3.95%	—	5.89%	—	7.29%	7.27%	—	—
Net Interest Income	177.62	622.33	187.05	435.28	154.22	281.06	141.96	139.10	483.29	134.23	349.06	128.34	220.72	120.83	99.89	458.45	104.86	353.59	114.00	239.59	120.96	118.63	475.75	362.32
--growth y-o-y	27.69%	28.77%	39.35%	24.70%	20.17%	27.34%	17.49%	39.25%	5.42%	28.01%	-1.28%	12.58%	-7.88%	-0.11%	-15.80%	-3.64%	-8.94%	-1.94%	-10.14%	2.50%	3.88%	1.13%	31.31%	9.91%
--growth q-o-q	-5.04%	—	21.29%	—	8.64%	—	2.06%	3.63%	—	4.59%	—	6.22%	—	20.96%	-4.74%	—	-8.02%	—	-5.75%	—	1.96%	3.02%	—	—
Operating Expenses
Employee Cost	92.98	326.97	71.04	255.93	87.22	168.71	85.04	83.67	313.64	71.05	242.59	82.37	160.22	79.96	80.26	331.20	105.22	225.98	84.38	141.60	70.99	70.61	247.25	234.60
Other administrative Exps	68.08	271.47	71.63	199.84	75.11	124.73	63.28	61.45	243.75	67.59	176.16	61.59	114.57	59.55	55.02	210.55	58.15	152.40	54.16	98.24	49.90	48.34	179.82	162.53
Total Operating Expenses	161.06	598.44	142.67	455.77	162.33	293.44	148.32	145.12	557.39	138.64	418.75	143.96	274.79	139.51	135.28	541.75	163.37	378.38	138.54	239.84	120.89	118.95	427.07	397.13
Profit before Tax and Provisions	51.45	216.28	113.67	102.61	41.14	61.47	28.19	33.28	95.10	38.68	56.42	26.58	29.84	33.13	-3.29	69.26	-17.44	86.70	11.16	75.54	23.60	51.94	123.20	126.89
--growth y-o-y	54.60%	127.42%	193.87%	81.87%	54.78%	106.00%	-14.91%	—	37.31%	—	-34.93%	138.17%	-60.50%	40.38%	—	-43.78%	—	2.43%	-79.45%	149.06%	-33.24%	—	-2.91%	20.74%
--growth q-o-q	-54.74%	—	176.30%	—	45.94%	—	-15.29%	-13.96%	—	45.52%	—	-19.77%	—	—	—	—	—	—	-52.71%	—	-54.56%	34.70%	—	—
Provisions and contingencies
Other Provisions	15.91	78.06	34.71	43.35	17.26	26.09	4.99	21.10	23.48	11.50	11.98	6.70	5.28	0.57	4.71	-1.22	-28.15	26.93	8.11	18.82	-2.82	21.64	91.59	89.80
Total Provisions	15.91	78.06	34.71	43.35	17.26	26.09	4.99	21.10	23.48	11.50	11.98	6.70	5.28	0.57	4.71	-1.22	-28.15	26.93	8.11	18.82	-2.82	21.64	91.59	89.80
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before tax	35.54	138.22	78.96	59.26	23.88	35.38	23.20	12.18	71.62	27.18	44.44	19.88	24.56	32.56	-8.00	70.48	10.71	59.77	3.05	56.72	26.42	30.30	31.61	37.09
Income Tax	10.63	35.47	35.47	0.00	0.00	0.00	0.00	0.00	4.98	-1.80	6.78	0.03	6.75	6.75	0.00	12.66	7.40	5.26	0.00	5.26	3.26	2.00	-17.75	1.19
effective tax rate	29.91%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.95%	-6.62%	15.26%	0.15%	27.48%	20.73%	0.00%	17.96%	69.09%	8.80%	0.00%	9.27%	12.34%	6.60%	-56.15%	3.21%
Net Profit	24.91	102.75	43.49	59.26	23.88	35.38	23.20	12.18	66.64	28.98	37.66	19.85	17.81	25.81	-8.00	57.82	3.31	54.51	3.05	51.46	23.16	28.30	49.36	35.90
--growth y-o-y	104.52%	54.19%	50.07%	57.36%	20.30%	98.65%	-10.11%	—	15.25%	7.80%	-30.91%	5.50%	-65.39%	11.44%	—	17.14%	-91.33%	387.13%	-85.96%	—	45.75%	—	37.49%	-3.47%
--growth q-o-q	-42.72%	—	82.12%	—	2.93%	—	90.48%	-57.97%	—	45.99%	—	-23.09%	—	—	—	—	8.52%	—	-86.83%	—	-18.16%	-25.86%	—	—
Capital & Key Ratios
Equity Share Capital	394.70	394.70	394.70	394.70	394.70	394.70	394.70	394.70	394.70	394.70	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01	253.01
Reserves	939.34	914.43	914.43	901.21	901.21	877.33	877.33	854.13	841.95	841.95	655.04	655.04	635.19	635.19	609.38	617.38	617.38	602.54	602.54	599.49	599.49	576.33	548.03	508.92
Capital Adequacy Ratio	19.19%	18.92%	18.92%	17.19%	17.19%	17.81%	17.81%	18.26%	16.12%	16.12%	12.79%	12.79%	13.06%	13.06%	13.37%	12.71%	12.71%	12.37%	12.37%	12.23%	12.23%	12.57%	12.32%	12.98%
Earning per share	0.63	2.60	1.10	1.50	0.61	0.90	0.59	0.31	1.69	0.73	1.49	0.78	0.70	1.02	-0.32	2.29	0.13	2.15	0.12	2.03	0.92	1.12	1.95	1.42
DPS	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
Dividend Payout	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	75.79%	73.45%	55.66%	81.62%	79.78%	82.68%	84.03%	81.35%	85.43%	78.19%	88.13%	84.41%	90.20%	80.81%	1.02%	88.66%	1.12%	81.36%	92.55%	76.05%	83.67%	69.61%	77.61%	75.79%
Book value per share	33.80	33.17	33.17	32.83	32.83	32.23	32.23	31.64	31.33	31.33	35.89	35.89	35.11	35.11	34.09	34.40	34.40	33.81	33.81	33.69	33.69	32.78	31.66	30.11
Adj Book Value	32.51	31.83	31.83	30.10	30.10	29.69	29.69	29.18	29.24	29.24	33.26	33.26	31.78	31.78	30.47	30.90	30.90	30.32	30.32	30.17	30.17	29.87	28.64	23.69
Gross NPAs	286.57	286.38	286.38	332.40	332.40	404.34	404.34	401.95	364.11	364.11	401.11	401.11	421.26	421.26	430.16	421.21	421.21	495.65	495.65	552.59	552.59	523.38	511.14	533.54
Net NPAs	72.61	75.40	75.40	154.13	154.13	142.85	142.85	138.62	117.94	117.94	95.06	95.06	120.32	120.32	130.61	126.47	126.47	126.25	126.25	127.34	127.34	105.18	109.20	232.16
% of Gross NPAs	1.82%	1.89%	1.89%	2.36%	2.36%	3.10%	3.10%	3.22%	2.98%	2.98%	3.53%	3.53%	3.82%	3.82%	4.04%	4.05%	4.05%	4.81%	4.81%	5.36%	5.36%	5.21%	5.19%	6.32%
% of Net NPAs	0.47%	0.51%	0.51%	1.11%	1.11%	1.12%	1.12%	1.13%	0.99%	0.99%	0.86%	0.86%	1.12%	1.12%	1.26%	1.25%	1.25%	1.27%	1.27%	1.29%	1.29%	1.09%	1.16%	2.85%
Return on Assets	0.45%	0.53%	0.84%	0.41%	0.47%	0.38%	0.49%	0.27%	0.41%	0.67%	0.31%	0.48%	0.22%	0.64%	-0.20%	0.38%	0.08%	0.48%	0.08%	0.68%	0.61%	0.76%	0.34%	0.27%
PCR without Tech W/off (%)	74.66%	73.67%	73.67%	53.63%	53.63%	64.67%	64.67%	65.51%	67.61%	67.61%	76.30%	76.30%	71.44%	71.44%	69.64%	69.97%	69.97%	74.53%	74.53%	76.96%	76.96%	79.90%	78.64%	56.49%
Business Numbers (Rs. Crores)
Business	34,976.00	33,560.94	33,560.94	31,751.05	31,751.05	29,884.27	29,884.27	28,787.82	27,972.94	27,972.94	26,137.18	26,137.18	25,348.90	25,348.90	24,784.58	24,392.47	24,392.47	24,284.52	24,284.52	23,702.53	23,702.53	23,023.80	22,803.17	20,544.87
Net Advances	15,572.00	14,918.06	14,918.06	13,912.01	13,912.01	12,779.66	12,779.66	12,218.20	11,959.49	11,959.49	11,069.30	11,069.30	10,717.42	10,717.42	10,343.85	10,102.16	10,102.16	9,944.58	9,944.58	9,885.30	9,885.30	9,621.80	9,451.52	8,141.98
- Net Advances Growth YoY	27.45%	24.74%	24.74%	25.68%	25.68%	19.24%	19.24%	18.12%	18.39%	18.39%	11.31%	11.31%	8.42%	8.42%	7.50%	6.88%	6.88%	12.16%	12.16%	12.82%	12.82%	14.60%	16.08%	19.96%
Deposits	19,404.00	18,642.88	18,642.88	17,839.04	17,839.04	17,104.61	17,104.61	16,569.62	16,013.45	16,013.45	15,067.88	15,067.88	14,631.48	14,631.48	14,440.73	14,290.31	14,290.31	14,339.94	14,339.94	13,817.23	13,817.23	13,402.00	13,351.65	12,402.89
- Deposit Growth YoY	17.11%	16.42%	16.42%	18.39%	18.39%	16.90%	16.90%	14.74%	12.06%	12.06%	5.08%	5.08%	5.89%	5.89%	7.75%	7.03%	7.03%	10.83%	10.83%	8.39%	8.39%	6.57%	7.65%	5.90%
--Savings deposits	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
--Current deposits	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
CASA	5,591.00	5,380.00	5,380.00	5,018.00	5,018.00	4,938.00	4,938.00	4,675.00	4,647.00	4,647.00	4,602.00	4,602.00	4,633.00	4,633.00	4,504.00	4,381.44	4,381.44	4,460.00	4,460.00	4,291.00	4,291.00	4,242.00	4,260.00	4,252.00
-- % of total Deposits	28.81%	28.86%	28.86%	28.13%	28.13%	28.87%	28.87%	28.21%	29.02%	29.02%	30.54%	30.54%	31.66%	31.66%	31.19%	30.66%	30.66%	31.10%	31.10%	31.06%	31.06%	31.65%	31.91%	34.28%
Cost Ratios as % of Total Income
Interest / Discount on advances	83.05%	81.51%	82.47%	81.14%	81.57%	80.91%	80.28%	81.57%	80.53%	81.00%	80.36%	82.46%	79.26%	78.48%	80.09%	79.74%	79.16%	79.94%	80.94%	79.42%	78.52%	80.36%	77.05%	70.92%
Income on Investments	16.13%	17.24%	15.37%	17.96%	17.62%	18.14%	18.84%	17.42%	17.14%	17.18%	17.13%	14.89%	18.30%	17.66%	19.00%	18.28%	19.17%	17.98%	17.85%	18.04%	17.32%	18.80%	21.95%	26.80%
Interest on bal with RBI and others	0.58%	0.54%	0.65%	0.49%	0.47%	0.50%	0.46%	0.54%	1.11%	1.35%	1.02%	2.01%	0.50%	0.70%	0.29%	0.60%	0.92%	0.49%	0.56%	0.46%	0.69%	0.22%	0.24%	1.25%
Others	0.24%	0.71%	1.51%	0.41%	0.34%	0.44%	0.42%	0.47%	1.22%	0.47%	1.49%	0.64%	1.94%	3.16%	0.62%	1.38%	0.75%	1.60%	0.66%	2.08%	3.47%	0.62%	0.76%	1.03%
other income	7.76%	12.01%	15.64%	10.63%	12.10%	9.83%	9.01%	10.69%	12.82%	12.29%	13.01%	12.61%	13.22%	15.76%	10.50%	12.64%	13.41%	12.38%	11.60%	12.78%	7.74%	18.07%	6.96%	17.64%
Total Interest Expense	60.47%	61.14%	57.78%	62.43%	62.11%	62.59%	62.99%	62.18%	63.38%	61.72%	63.99%	61.64%	65.22%	63.25%	67.34%	62.02%	65.76%	60.75%	62.95%	59.60%	60.20%	58.97%	55.59%	60.47%
Net Interest Income	39.53%	38.86%	42.22%	37.57%	37.89%	37.41%	37.01%	37.82%	36.62%	38.28%	36.01%	38.36%	34.78%	36.75%	32.66%	37.98%	34.24%	39.25%	37.05%	40.40%	39.80%	41.03%	44.41%	39.53%
Wages	20.69%	20.42%	16.03%	22.09%	21.43%	22.45%	22.17%	22.75%	23.76%	20.26%	25.03%	24.62%	25.24%	24.32%	26.24%	27.44%	34.36%	25.09%	27.42%	23.88%	23.36%	24.42%	23.08%	25.59%
Other administrative Exps	15.15%	16.95%	16.17%	17.25%	18.45%	16.60%	16.50%	16.71%	18.47%	19.28%	18.17%	18.41%	18.05%	18.11%	17.99%	17.44%	18.99%	16.92%	17.60%	16.57%	16.42%	16.72%	16.79%	17.73%
Total Operating Expenses	35.84%	37.37%	32.20%	39.34%	39.88%	39.05%	38.66%	39.46%	42.23%	39.54%	43.20%	43.03%	43.30%	42.43%	44.23%	44.88%	53.35%	42.01%	45.02%	40.44%	39.78%	41.14%	39.87%	43.32%
Profit before Tax and Provisions	11.45%	13.51%	25.66%	8.86%	10.11%	8.18%	7.35%	9.05%	7.21%	11.03%	5.82%	7.94%	4.70%	10.08%	-1.08%	5.74%	-5.70%	9.63%	3.63%	12.74%	7.77%	17.96%	11.50%	13.84%
Provisions and contingencies	3.54%	4.87%	7.83%	3.74%	4.24%	3.47%	1.30%	5.74%	1.78%	3.28%	1.24%	2.00%	0.83%	0.17%	1.54%	-0.10%	-9.19%	2.99%	2.64%	3.17%	-0.93%	7.48%	8.55%	9.80%
PBT	7.91%	6.42%	9.82%	5.12%	5.87%	4.71%	6.05%	3.31%	5.43%	7.75%	4.58%	5.94%	3.87%	9.90%	-2.62%	5.84%	3.50%	6.64%	0.99%	9.56%	8.69%	10.48%	2.95%	4.05%
Income Tax	2.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.38%	-0.51%	0.70%	0.01%	1.06%	2.05%	0.00%	1.05%	2.42%	0.58%	0.00%	0.89%	1.07%	0.69%	-1.66%	0.13%
PAT	5.54%	6.42%	9.82%	5.12%	5.87%	4.71%	6.05%	3.31%	5.05%	8.27%	3.89%	5.93%	2.81%	7.85%	-2.62%	4.79%	1.08%	6.05%	0.99%	8.68%	7.62%	9.79%	4.61%	3.92%

Feder

Federal Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	5,756.41	21,709.95	5,529.59	16,180.36	5,474.07	10,706.29	5,383.40	5,322.89	21,016.62	5,284.82	15,731.80	5,463.70	10,268.10	5,241.96	5,026.14	17,734.52	4,741.89	12,992.63	4,597.57	8,395.06	4,355.48	4,039.58	13,491.84	10,829.75
Income on Investments	1,339.17	4,770.17	1,254.31	3,515.86	1,212.83	2,303.03	1,168.41	1,134.62	4,541.82	1,150.42	3,391.40	1,147.42	2,243.98	1,135.73	1,108.25	3,691.62	1,032.55	2,659.07	950.24	1,708.83	893.97	814.86	2,795.57	2,338.67
Interest on bal with RBI and others	88.37	458.33	103.08	355.25	93.72	261.53	110.90	150.63	443.00	119.84	323.16	112.55	210.61	107.92	102.69	338.87	98.37	240.50	79.29	161.21	90.28	70.93	206.25	220.27
Others	54.36	756.93	512.11	244.82	86.88	157.94	79.45	78.49	363.81	93.28	270.53	85.06	185.47	91.67	93.80	423.25	105.54	317.71	103.00	214.71	115.55	99.16	309.97	272.07
Total Fund based income	7,238.31	27,695.38	7,399.09	20,296.29	6,867.50	13,428.79	6,742.16	6,686.63	26,365.25	6,648.36	19,716.89	6,808.73	12,908.16	6,577.28	6,330.88	22,188.26	5,978.35	16,209.91	5,730.10	10,479.81	5,455.28	5,024.53	16,803.63	13,660.76
--growth y-o-y	8.25%	5.05%	11.29%	2.94%	0.86%	4.03%	2.51%	5.62%	18.83%	11.21%	21.63%	18.82%	23.17%	20.57%	26.00%	32.04%	26.64%	34.16%	29.25%	37.00%	35.68%	38.46%	23.01%	-0.71%
--growth q-o-q	-2.17%	—	7.74%	—	1.86%	—	0.83%	0.58%	—	-2.36%	—	3.52%	—	3.89%	5.90%	—	4.33%	—	5.04%	—	8.57%	6.44%	—	—
Other Income	1,048.38	4,440.39	1,144.95	3,295.44	1,100.29	2,195.15	1,082.17	1,112.98	3,801.25	1,005.95	2,795.30	916.17	1,879.13	963.95	915.18	3,079.33	753.88	2,325.45	862.56	1,462.89	730.48	732.41	2,330.00	2,089.09
Total Income	8,286.69	32,135.77	8,544.04	23,591.73	7,967.79	15,623.94	7,824.33	7,799.61	30,166.50	7,654.31	22,512.19	7,724.90	14,787.29	7,541.23	7,246.06	25,267.59	6,732.23	18,535.36	6,592.66	11,942.70	6,185.76	5,756.94	19,133.63	15,749.85
Total Interest Expense	4,292.42	17,037.97	4,226.48	12,811.49	4,214.77	8,596.72	4,246.92	4,349.80	16,897.26	4,270.92	12,626.34	4,377.39	8,248.95	4,210.05	4,038.90	13,894.78	3,783.24	10,111.54	3,606.74	6,504.80	3,398.86	3,105.94	9,571.47	7,698.80
--growth y-o-y	-1.32%	0.83%	-1.04%	1.47%	-3.71%	4.22%	0.88%	7.70%	21.61%	12.89%	24.87%	21.37%	26.81%	23.87%	30.04%	45.17%	34.57%	49.58%	45.63%	51.86%	50.46%	53.43%	24.32%	-6.39%
--growth q-o-q	1.56%	—	0.28%	—	-0.76%	—	-2.37%	1.85%	—	-2.43%	—	3.97%	—	4.24%	6.76%	—	4.89%	—	6.12%	—	9.43%	10.47%	—	—
Net Interest Income	2,945.89	10,657.41	3,172.61	7,484.80	2,652.73	4,832.07	2,495.24	2,336.83	9,467.99	2,377.44	7,090.55	2,431.34	4,659.21	2,367.23	2,291.98	8,293.48	2,195.11	6,098.37	2,123.36	3,975.01	2,056.42	1,918.59	7,232.16	5,961.96
--growth y-o-y	26.06%	12.56%	33.45%	5.56%	9.11%	3.71%	5.41%	1.96%	14.16%	8.31%	16.27%	14.50%	17.21%	15.11%	19.46%	14.68%	14.97%	14.57%	8.53%	18.08%	16.72%	19.57%	21.31%	7.74%
--growth q-o-q	-7.15%	—	19.60%	—	6.31%	—	6.78%	-1.71%	—	-2.22%	—	2.71%	—	3.28%	4.41%	—	3.38%	—	3.26%	—	7.18%	0.49%	—	—
Operating Expenses
Employee Cost	921.69	3,225.40	775.70	2,449.70	848.65	1,601.05	803.44	797.61	3,082.69	783.84	2,298.85	783.16	1,515.69	777.67	738.02	2,823.09	886.89	1,936.20	693.15	1,243.05	626.31	616.74	2,173.00	2,320.55
Other administrative Exps	1,175.25	4,666.20	1,265.45	3,400.75	1,175.04	2,225.71	1,129.80	1,095.91	4,085.42	1,134.15	2,951.27	994.89	1,956.38	988.15	968.23	3,375.18	951.75	2,423.43	855.44	1,567.99	836.08	731.91	2,594.77	1,972.65
Total Operating Expenses	2,096.94	7,891.60	2,041.15	5,850.45	2,023.69	3,826.76	1,933.24	1,893.52	7,168.11	1,917.99	5,250.12	1,778.05	3,472.07	1,765.82	1,706.25	6,198.27	1,838.64	4,359.63	1,548.59	2,811.04	1,462.39	1,348.65	4,767.77	4,293.20
Profit before Tax and Provisions	1,897.33	7,206.20	2,276.41	4,929.79	1,729.33	3,200.46	1,644.17	1,556.29	6,101.13	1,465.40	4,635.73	1,569.46	3,066.27	1,565.36	1,500.91	5,174.54	1,110.35	4,064.19	1,437.33	2,626.86	1,324.51	1,302.35	4,794.39	3,757.85
--growth y-o-y	21.91%	18.11%	55.34%	6.34%	10.19%	4.38%	5.03%	3.69%	17.91%	31.98%	14.06%	9.19%	16.73%	18.18%	15.25%	7.93%	-16.80%	17.47%	12.80%	20.19%	9.26%	33.80%	27.58%	-0.77%
--growth q-o-q	-16.65%	—	31.64%	—	5.18%	—	5.65%	6.20%	—	-6.63%	—	0.26%	—	4.29%	35.17%	—	-22.75%	—	8.52%	—	1.70%	-2.41%	—	—
Provisions and contingencies
Others Provisions	317.71	1,836.67	741.04	1,095.63	332.38	763.25	363.09	400.16	733.06	138.11	594.95	292.33	302.62	158.35	144.27	196.10	-94.60	290.70	91.22	199.48	43.90	155.58	749.89	1,221.77
Total Provisions	317.71	1,836.67	741.04	1,095.63	332.38	763.25	363.09	400.16	733.06	138.11	594.95	292.33	302.62	158.35	144.27	196.10	-94.60	290.70	91.22	199.48	43.90	155.58	749.89	1,221.77
Profit Before tax	1,579.62	5,369.53	1,535.37	3,834.16	1,396.95	2,437.21	1,281.08	1,156.13	5,368.07	1,327.29	4,040.78	1,277.13	2,763.65	1,407.01	1,356.64	4,978.44	1,204.95	3,773.49	1,346.11	2,427.38	1,280.61	1,146.77	4,044.50	2,536.08
Income Tax	402.69	1,252.17	276.27	975.90	355.74	620.16	325.82	294.34	1,316.18	297.06	1,019.12	321.69	697.43	350.32	347.11	1,257.78	298.65	959.13	339.37	619.76	326.73	293.03	1,033.91	646.26
effective tax rate	25.49%	23.32%	17.99%	25.45%	25.47%	25.45%	25.43%	25.46%	24.52%	22.38%	25.22%	25.19%	25.24%	24.90%	25.59%	25.26%	24.79%	25.42%	25.21%	25.53%	25.51%	25.55%	25.56%	25.48%
Net Profit	1,176.93	4,117.36	1,259.10	2,858.26	1,041.21	1,817.05	955.26	861.79	4,051.89	1,030.23	3,021.66	955.44	2,066.22	1,056.69	1,009.53	3,720.66	906.30	2,814.36	1,006.74	1,807.62	953.88	853.74	3,010.59	1,889.82
--growth y-o-y	36.57%	1.62%	22.22%	-5.41%	8.98%	-12.06%	-9.60%	-14.63%	8.90%	13.67%	7.37%	-5.10%	14.31%	10.78%	18.25%	23.59%	0.41%	33.51%	25.28%	38.58%	35.55%	42.13%	59.31%	18.83%
--growth q-o-q	-6.53%	—	20.93%	—	9.00%	—	10.85%	-16.35%	—	7.83%	—	-9.58%	—	4.67%	11.39%	—	-9.98%	—	5.54%	—	11.73%	-5.41%	—	—
Capital & Key Ratios
Equity Share Capital	493.61	492.86	492.86	492.42	492.42	491.88	491.88	491.42	491.17	491.17	490.90	490.90	490.45	490.45	489.53	487.07	487.07	486.68	486.68	470.32	470.32	423.60	423.24	420.51
Reserves	37,835.00	36,658.07	36,658.07	35,782.70	35,782.70	34,741.49	34,741.49	33,786.23	32,924.44	32,924.44	31,624.00	31,624.00	30,668.56	30,668.56	29,611.87	28,602.34	28,602.34	26,568.49	26,568.49	25,561.75	25,561.75	21,931.73	21,077.99	18,368.32
Capital Adequacy Ratio	16.97%	17.25%	17.25%	15.20%	15.20%	15.71%	15.71%	16.03%	16.40%	16.40%	15.16%	15.16%	15.20%	15.20%	15.57%	16.13%	16.13%	15.02%	15.02%	15.50%	15.50%	14.28%	14.81%	15.77%
CET 1	15.89%	15.93%	15.93%	13.88%	13.88%	14.37%	14.37%	14.69%	15.04%	15.04%	13.78%	13.78%	13.82%	13.82%	14.17%	14.61%	14.61%	13.48%	13.48%	13.79%	13.79%	12.54%	13.02%	14.43%
NIMs (%)	333.00%	3.24%	3.74%	3.06%	3.18%	3.00%	3.06%	2.94%	3.13%	3.12%	3.13%	3.11%	3.14%	3.12%	3.16%	3.20%	3.21%	3.20%	3.19%	3.26%	3.22%	3.20%	3.33%	3.20%
Earning per share	4.77	16.71	5.11	11.61	4.23	7.39	3.88	3.51	16.50	4.20	12.31	3.89	8.43	4.31	4.12	15.28	3.72	11.57	4.14	7.69	4.06	4.03	14.23	8.99
DPS	—	1.20	—	—	—	—	—	—	1.20	—	—	—	—	—	—	1.20	—	—	—	—	—	—	1.00	1.80
Dividend Payout	—	7.18%	—	—	—	—	—	—	7.27%	—	—	—	—	—	—	7.85%	—	—	—	—	—	—	7.03%	20.03%
Cost to Income Ratio	52.50%	52.27%	47.28%	54.27%	53.92%	54.46%	54.04%	54.89%	54.02%	56.69%	53.11%	53.12%	53.10%	53.01%	53.20%	54.50%	62.35%	51.75%	51.86%	51.69%	52.47%	50.87%	49.86%	53.32%
Book value per share	161.87	157.00	157.00	145.76	145.76	141.58	141.58	138.35	134.87	134.87	130.69	130.69	126.86	126.86	123.80	119.45	119.45	115.41	115.41	110.70	110.70	105.04	101.22	88.75
Adj Book Value	160.44	155.50	155.50	142.73	142.73	138.26	138.26	135.05	131.90	131.90	127.46	127.46	123.08	123.08	119.99	115.84	115.84	111.72	111.72	107.04	107.04	100.83	97.23	84.12
Gross NPAs	4,282.34	4,335.29	4,335.29	4,446.86	4,446.86	4,532.01	4,532.01	4,669.66	4,375.54	4,375.54	4,553.31	4,553.31	4,844.19	4,844.19	4,738.35	4,528.87	4,528.87	4,628.79	4,628.79	4,436.05	4,436.05	4,434.77	4,183.77	4,136.74
Net NPAs	506.05	529.25	529.25	1,068.04	1,068.04	1,165.16	1,165.16	1,157.64	1,040.38	1,040.38	1,131.17	1,131.17	1,322.29	1,322.29	1,330.44	1,255.33	1,255.33	1,284.37	1,284.37	1,229.81	1,229.81	1,274.59	1,205.01	1,392.62
Slippages	409.00	2,146.00	474.00	1,672.00	435.00	1,237.00	579.00	658.00	1,814.00	483.00	1,331.00	486.00	845.00	428.00	417.00	1,692.00	352.00	1,340.00	479.00	861.00	365.00	496.00	1,653.00	1,760.00
Restructured Account	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	2,854.00	2,854.00	3,101.00	3,101.00	3,331.00	3,331.00	3,405.00	3,473.00	3,963.00
% of Gross NPAs	1.52%	1.62%	1.62%	1.72%	1.72%	1.83%	1.83%	1.91%	1.84%	1.84%	1.95%	1.95%	2.09%	2.09%	2.11%	2.13%	2.13%	2.29%	2.29%	2.26%	2.26%	2.38%	2.36%	2.80%
% of Net NPAs	0.18%	0.20%	0.20%	0.42%	0.42%	0.48%	0.48%	0.48%	0.44%	0.44%	0.49%	0.49%	0.57%	0.57%	0.60%	0.60%	0.60%	0.64%	0.64%	0.64%	0.64%	0.69%	0.69%	0.96%
Slippage Ratio	0.68%	0.91%	0.81%	0.97%	0.76%	1.07%	1.01%	1.19%	0.87%	0.92%	0.89%	0.98%	0.88%	0.89%	0.91%	0.97%	0.81%	1.06%	1.14%	1.07%	0.91%	1.31%	1.14%	1.33%
Return on Assets	1.20%	1.15%	1.36%	1.24%	1.16%	1.04%	1.08%	1.00%	1.23%	1.24%	1.24%	1.16%	1.28%	1.28%	1.28%	1.32%	1.20%	1.36%	1.40%	1.32%	1.36%	1.28%	1.28%	0.94%
PCR without Tech W/off (%)	88.18%	87.79%	87.79%	75.98%	75.98%	74.29%	74.29%	75.21%	76.22%	76.22%	75.16%	75.16%	72.70%	72.70%	71.92%	72.28%	72.28%	72.25%	72.25%	72.28%	72.28%	71.26%	71.20%	66.34%
Business Numbers (Rs. Crores)
Total Business	597,616.00	578,503.76	578,503.76	553,365.00	553,365.00	533,576.64	533,576.64	528,640.00	518,482.66	518,482.66	496,745.00	496,745.00	499,418.83	499,418.83	486,872.00	461,937.35	461,937.35	438,776.00	438,776.00	425,685.12	425,685.12	405,983.00	387,832.92	326,628.92
Net Advances	277,498.00	264,594.37	264,594.37	255,569.00	255,569.00	244,657.06	244,657.06	241,204.00	234,835.19	234,835.19	230,370.00	230,370.00	230,312.24	230,312.24	220,807.00	209,403.33	209,403.33	199,185.00	199,185.00	192,816.69	192,816.69	183,487.00	174,446.88	144,928.33
- Net Advances Growth YoY	15.05%	12.67%	12.67%	10.94%	10.94%	6.23%	6.23%	9.24%	12.14%	12.14%	15.66%	15.66%	19.45%	19.45%	20.34%	20.04%	20.04%	18.44%	18.44%	19.58%	19.58%	20.96%	20.37%	9.90%
Deposits	320,118.00	313,909.39	313,909.39	297,796.00	297,796.00	288,919.58	288,919.58	287,436.00	283,647.47	283,647.47	266,375.00	266,375.00	269,106.59	269,106.59	266,065.00	252,534.02	252,534.02	239,591.00	239,591.00	232,868.43	232,868.43	222,496.00	213,386.04	181,700.59
- Deposit Growth YoY	11.37%	10.67%	10.67%	11.80%	11.80%	7.36%	7.36%	8.03%	12.32%	12.32%	11.18%	11.18%	15.56%	15.56%	19.58%	18.35%	18.35%	18.96%	18.96%	23.12%	23.12%	21.35%	17.44%	5.25%
--Savings deposits	80,854.00	78,053.00	78,053.00	74,230.00	74,230.00	70,358.00	70,358.00	67,962.00	65,195.00	65,195.00	64,146.00	64,146.00	63,546.00	63,546.00	61,461.00	58,961.00	58,961.00	58,114.00	58,114.00	56,876.00	56,876.00	56,672.00	55,452.00	54,510.00
-- YoY growth	18.97%	19.72%	19.72%	15.72%	15.72%	10.72%	10.72%	10.58%	10.57%	10.57%	10.38%	10.38%	11.73%	11.73%	8.45%	6.33%	6.33%	3.89%	3.89%	1.92%	1.92%	0.76%	1.73%	14.31%
--Current deposits	22,309.00	25,337.00	25,337.00	21,268.00	21,268.00	19,233.00	19,233.00	19,274.00	20,562.00	20,562.00	16,199.00	16,199.00	17,380.00	17,380.00	16,423.00	15,239.00	15,239.00	15,275.00	15,275.00	15,713.00	15,713.00	14,182.00	14,289.00	12,612.00
-- YoY growth	15.75%	23.22%	23.22%	31.29%	31.29%	10.66%	10.66%	17.36%	34.93%	34.93%	6.05%	6.05%	10.61%	10.61%	15.80%	6.65%	6.65%	17.22%	17.22%	20.22%	20.22%	25.54%	13.30%	18.05%
CASA	103,163.00	103,390.00	103,390.00	95,498.00	95,498.00	89,591.00	89,591.00	87,236.00	85,757.00	85,757.00	80,345.00	80,345.00	80,926.00	80,926.00	77,884.00	74,200.00	74,200.00	73,389.00	73,389.00	72,589.00	72,589.00	70,854.00	69,741.00	67,122.00
-- % of total Deposits	32.23%	32.94%	32.94%	32.07%	32.07%	31.01%	31.01%	30.35%	30.23%	30.23%	30.16%	30.16%	30.07%	30.07%	29.27%	29.38%	29.38%	30.63%	30.63%	31.17%	31.17%	31.85%	32.68%	36.94%
Cost Ratios as % of Total Income
Interest / Discount on advances	79.53%	78.39%	74.73%	79.72%	79.71%	79.73%	79.85%	79.60%	79.71%	79.49%	79.79%	80.25%	79.55%	79.70%	79.39%	79.93%	79.32%	80.15%	80.24%	80.11%	79.84%	80.40%	80.29%	79.28%
Income on Investments	18.50%	17.22%	16.95%	17.32%	17.66%	17.15%	17.33%	16.97%	17.23%	17.30%	17.20%	16.85%	17.38%	17.27%	17.51%	16.64%	17.27%	16.40%	16.58%	16.31%	16.39%	16.22%	16.64%	17.12%
Interest on bal with RBI and others	1.22%	1.65%	1.39%	1.75%	1.36%	1.95%	1.64%	2.25%	1.68%	1.80%	1.64%	1.65%	1.63%	1.64%	1.62%	1.53%	1.65%	1.48%	1.38%	1.54%	1.65%	1.41%	1.23%	1.61%
Others	0.75%	2.73%	6.92%	1.21%	1.27%	1.18%	1.18%	1.17%	1.38%	1.40%	1.37%	1.25%	1.44%	1.39%	1.48%	1.91%	1.77%	1.96%	1.80%	2.05%	2.12%	1.97%	1.84%	1.99%
Other income	14.48%	16.03%	15.47%	16.24%	16.02%	16.35%	16.05%	16.64%	14.42%	15.13%	14.18%	13.46%	14.56%	14.66%	14.46%	13.88%	12.61%	14.35%	15.05%	13.96%	13.39%	14.58%	13.87%	15.29%
Total Interest Expense	59.30%	61.52%	57.12%	63.12%	61.37%	64.02%	62.99%	65.05%	64.09%	64.24%	64.04%	64.29%	63.90%	64.01%	63.80%	62.62%	63.28%	62.38%	62.94%	62.07%	62.30%	61.82%	56.96%	56.36%
Net Interest Income	40.70%	38.48%	42.88%	36.88%	38.63%	35.98%	37.01%	34.95%	35.91%	35.76%	35.96%	35.71%	36.10%	35.99%	36.20%	37.38%	36.72%	37.62%	37.06%	37.93%	37.70%	38.18%	43.04%	43.64%
Wages	12.73%	11.65%	10.48%	12.07%	12.36%	11.92%	11.92%	11.93%	11.69%	11.79%	11.66%	11.50%	11.74%	11.82%	11.66%	12.72%	14.84%	11.94%	12.10%	11.86%	11.48%	12.27%	12.93%	16.99%
Other administrative Exps	16.24%	16.85%	17.10%	16.76%	17.11%	16.57%	16.76%	16.39%	15.50%	17.06%	14.97%	14.61%	15.16%	15.02%	15.29%	15.21%	15.92%	14.95%	14.93%	14.96%	15.33%	14.57%	15.44%	14.44%
Total Operating Expenses	28.97%	28.49%	27.59%	28.83%	29.47%	28.50%	28.67%	28.32%	27.19%	28.85%	26.63%	26.11%	26.90%	26.85%	26.95%	27.93%	30.75%	26.89%	27.03%	26.82%	26.81%	26.84%	28.37%	31.43%
Profit before Tax and Provisions	26.21%	26.02%	30.77%	24.29%	25.18%	23.83%	24.39%	23.27%	23.14%	22.04%	23.51%	23.05%	23.75%	23.80%	23.71%	23.32%	18.57%	25.07%	25.08%	25.07%	24.28%	25.92%	28.53%	27.51%
Provisions and contingencies	4.39%	6.63%	10.02%	5.40%	4.84%	5.68%	5.39%	5.98%	2.78%	2.08%	3.02%	4.29%	2.34%	2.41%	2.28%	0.88%	-1.58%	1.79%	1.59%	1.90%	0.80%	3.10%	4.46%	8.94%
PBT	21.82%	19.39%	20.75%	18.89%	20.34%	18.15%	19.00%	17.29%	20.36%	19.96%	20.49%	18.76%	21.41%	21.39%	21.43%	22.44%	20.16%	23.28%	23.49%	23.16%	23.47%	22.82%	24.07%	18.56%
Income Tax	5.56%	4.52%	3.73%	4.81%	5.18%	4.62%	4.83%	4.40%	4.99%	4.47%	5.17%	4.72%	5.40%	5.33%	5.48%	5.67%	5.00%	5.92%	5.92%	5.91%	5.99%	5.83%	6.15%	4.73%
PAT	16.26%	14.87%	17.02%	14.08%	15.16%	13.53%	14.17%	12.89%	15.37%	15.50%	15.33%	14.03%	16.01%	16.07%	15.95%	16.77%	15.16%	17.36%	17.57%	17.25%	17.49%	16.99%	17.92%	13.83%

HDFC

HDFC Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	61,953.87	239,762.46	60,351.21	179,411.25	59,953.80	119,457.45	59,264.81	60,192.64	238,444.43	60,415.79	178,028.64	59,923.95	118,104.69	59,389.81	58,714.88	207,220.01	58,144.98	149,075.03	56,772.58	92,302.45	54,294.50	38,007.95	127,095.86	98,512.02
Income on Investments	14,272.21	58,945.38	13,923.99	45,021.39	14,665.83	30,355.56	15,285.48	15,070.08	53,319.69	14,427.17	38,892.52	13,717.10	25,175.42	12,631.60	12,543.82	44,364.28	11,597.75	32,766.53	12,215.78	20,550.75	11,639.51	8,911.24	31,311.16	26,046.13
Interest on bal with RBI and others	1,365.28	2,674.70	879.41	1,795.29	570.33	1,224.96	554.79	670.17	2,506.31	601.12	1,905.19	757.56	1,147.63	674.74	472.89	2,040.47	459.64	1,580.83	376.07	1,204.76	412.91	791.85	996.79	2,552.37
Others	1,771.42	6,139.54	1,455.41	4,684.13	1,561.20	3,122.93	1,585.62	1,537.31	6,246.61	2,016.03	4,230.58	1,608.27	2,622.31	1,320.76	1,301.55	4,715.80	1,270.38	3,445.42	1,218.18	2,227.24	1,351.47	875.77	2,181.74	642.59
Total Fund based income	79,362.78	307,522.08	76,610.02	230,912.06	76,751.16	154,160.90	76,690.70	77,470.20	300,517.04	77,460.11	223,056.93	76,006.88	147,050.05	74,016.91	73,033.14	258,340.56	71,472.75	186,867.81	70,582.61	116,285.20	67,698.39	48,586.81	161,585.55	127,753.11
--growth y-o-y	2.44%	2.33%	-1.10%	3.52%	0.98%	4.84%	3.61%	6.08%	16.33%	8.38%	19.37%	7.68%	26.46%	9.33%	50.31%	59.88%	58.41%	60.45%	65.27%	57.66%	75.45%	38.14%	26.48%	5.70%
--growth q-o-q	3.59%	—	-0.18%	—	0.08%	—	-1.01%	0.01%	—	1.91%	—	2.69%	—	1.35%	2.18%	—	1.26%	—	4.26%	—	39.33%	7.69%	—	—
Other Income	12,821.60	62,532.57	13,198.88	49,333.69	13,253.84	36,079.85	14,350.02	21,729.83	45,632.28	12,027.88	33,604.40	11,453.56	22,150.84	11,482.73	10,668.11	49,240.99	18,166.25	31,074.74	11,137.04	19,937.70	10,707.84	9,229.86	31,214.83	29,509.90
Total Income	92,184.38	370,054.65	89,808.90	280,245.75	90,005.00	190,240.75	91,040.72	99,200.03	346,149.32	89,487.99	256,661.33	87,460.44	169,200.89	85,499.64	83,701.25	307,581.55	89,639.00	217,942.55	81,719.65	136,222.90	78,406.23	57,816.67	192,800.38	157,263.01
Total Interest Expense	45,828.83	178,836.04	43,528.45	135,307.59	44,136.16	91,171.43	45,139.20	46,032.23	177,846.95	45,394.31	132,452.64	45,353.63	87,099.01	43,903.01	43,196.00	149,808.10	42,395.93	107,412.17	42,111.27	65,300.90	40,313.16	24,987.74	74,743.31	55,742.66
--growth y-o-y	-0.44%	0.56%	-4.11%	2.16%	-2.68%	4.68%	2.82%	6.57%	18.72%	7.07%	23.31%	7.70%	33.38%	8.90%	72.87%	100.43%	94.77%	102.76%	113.55%	96.36%	129.51%	59.25%	34.09%	-0.42%
--growth q-o-q	5.28%	—	-1.38%	—	-2.22%	—	-1.94%	1.41%	—	0.09%	—	3.30%	—	1.64%	1.89%	—	0.68%	—	4.46%	—	61.33%	14.79%	—	—
Net Interest Income	33,533.95	128,686.04	33,081.57	95,604.47	32,615.00	62,989.47	31,551.50	31,437.97	122,670.09	32,065.80	90,604.29	30,653.25	59,951.04	30,113.90	29,837.14	108,532.46	29,076.82	79,455.64	28,471.34	50,984.30	27,385.23	23,599.07	86,842.24	72,010.45
--growth y-o-y	6.67%	4.90%	3.17%	5.52%	6.40%	5.07%	4.77%	5.37%	13.03%	10.28%	14.03%	7.66%	17.59%	9.96%	26.43%	24.98%	24.52%	25.15%	23.85%	25.88%	30.27%	21.14%	20.60%	10.99%
--growth q-o-q	1.37%	—	1.43%	—	3.37%	—	0.36%	-1.96%	—	4.61%	—	1.79%	—	0.93%	2.61%	—	2.13%	—	3.97%	—	16.04%	1.06%	—	—
Operating Expenses
Employee Cost	6,414.83	26,050.15	6,227.72	19,822.43	7,203.17	12,619.26	6,461.29	6,157.97	23,900.53	6,115.94	17,784.59	5,950.41	11,834.18	5,985.30	5,848.88	22,240.21	6,936.19	15,304.02	5,351.76	9,952.26	5,170.19	4,782.07	15,512.36	12,031.69
Other Administrative Exps	11,772.66	46,610.18	12,249.81	34,360.37	11,567.87	22,792.50	11,516.63	11,275.87	44,274.36	11,441.04	32,833.32	11,156.00	21,677.32	10,905.59	10,771.73	41,145.80	11,032.64	30,113.16	10,609.32	19,503.84	10,229.00	9,274.84	32,139.73	25,410.50
Total Operating Expenses	18,187.49	72,660.33	18,477.53	54,182.80	18,771.04	35,411.76	17,977.92	17,433.84	68,174.89	17,556.98	50,617.91	17,106.41	33,511.50	16,890.89	16,620.61	63,386.01	17,968.83	45,417.18	15,961.08	29,456.10	15,399.19	14,056.91	47,652.09	37,442.19
Profit before Tax and Provisions	28,168.06	118,558.28	27,802.92	90,755.36	27,097.80	63,657.56	27,923.60	35,733.96	100,127.48	26,536.70	73,590.78	25,000.40	48,590.38	24,705.74	23,884.64	94,387.44	29,274.24	65,113.20	23,647.30	41,465.90	22,693.88	18,772.02	70,404.98	64,078.16
--growth y-o-y	-21.17%	18.41%	4.77%	23.32%	8.39%	31.01%	13.02%	49.61%	6.08%	-9.35%	13.02%	5.72%	17.18%	8.87%	27.24%	34.06%	57.21%	25.74%	24.30%	26.57%	30.48%	22.15%	9.87%	11.71%
--growth q-o-q	1.31%	—	2.60%	—	-2.96%	—	-21.86%	34.66%	—	6.15%	—	1.19%	—	3.44%	-18.41%	—	23.80%	—	4.20%	—	20.89%	0.81%	—	—
Total Provisions	3,059.76	23,389.59	2,609.57	20,780.02	2,837.86	17,942.16	3,500.53	14,441.63	11,649.42	3,193.05	8,456.37	3,153.85	5,302.52	2,700.46	2,602.06	23,492.14	13,511.64	9,980.50	4,216.64	5,763.86	2,903.83	2,860.03	11,919.67	15,061.83
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	25,108.30	95,168.69	25,193.35	69,975.34	24,259.94	45,715.40	24,423.07	21,292.33	88,478.06	23,343.65	65,134.41	21,846.55	43,287.86	22,005.28	21,282.58	70,895.30	15,762.60	55,132.70	19,430.66	35,702.04	19,790.05	15,911.99	58,485.31	49,016.33
Income Tax	6,048.58	20,497.40	5,972.30	14,525.10	5,606.19	8,918.91	5,781.79	3,137.12	21,130.70	5,727.51	15,403.19	5,111.05	10,292.14	5,184.31	5,107.83	10,083.03	-749.25	10,832.28	3,058.12	7,774.16	3,813.94	3,960.22	14,376.60	12,054.12
effective tax rate	24.09%	21.54%	23.71%	20.76%	23.11%	19.51%	23.67%	14.73%	23.88%	24.54%	23.65%	23.40%	23.78%	23.56%	24.00%	14.22%	-4.75%	19.65%	15.74%	21.78%	19.27%	24.89%	24.58%	24.59%
Net Profit	19,059.72	74,671.29	19,221.05	55,450.24	18,653.75	36,796.49	18,641.28	18,155.21	67,347.36	17,616.14	49,731.22	16,735.50	32,995.72	16,820.97	16,174.75	60,812.27	16,511.85	44,300.42	16,372.54	27,927.88	15,976.11	11,951.77	44,108.71	36,962.21
--growth y-o-y	4.98%	10.87%	9.11%	11.50%	11.46%	11.52%	10.82%	12.24%	10.75%	6.69%	12.26%	2.22%	18.15%	5.29%	35.33%	37.87%	37.06%	38.17%	33.55%	41.04%	50.64%	29.97%	19.33%	18.79%
--growth q-o-q	-0.84%	—	3.04%	—	0.07%	—	2.68%	3.06%	—	5.26%	—	-0.51%	—	4.00%	-2.04%	—	0.85%	—	2.48%	—	33.67%	-0.79%	—	—
Capital & Key Ratios
Equity Share Capital	1,540.13	1,539.34	1,539.34	1,538.46	1,538.46	1,536.37	1,536.37	766.79	765.22	765.22	764.83	764.83	763.08	763.08	760.81	759.69	759.69	759.25	759.25	758.18	758.18	559.18	557.97	554.54
Reserves	564,661.00	544,786.12	544,786.12	525,406.11	525,406.11	506,000.18	506,000.18	508,037.10	488,134.67	488,134.67	468,132.11	468,132.11	449,373.60	449,373.60	444,032.40	426,874.49	426,874.49	414,394.89	414,394.89	396,474.13	396,474.13	285,829.02	272,505.07	233,059.27
Capital Adequacy Ratio	19.57%	19.71%	19.71%	19.87%	19.87%	19.96%	19.96%	19.88%	19.55%	19.55%	19.97%	19.97%	19.77%	19.77%	19.33%	18.80%	18.80%	18.39%	18.39%	19.54%	19.54%	18.93%	19.26%	18.90%
CET 1	17.40%	17.30%	17.30%	17.40%	17.40%	17.50%	17.50%	17.40%	17.70%	17.70%	17.50%	17.50%	17.30%	17.30%	16.80%	16.30%	16.30%	16.30%	16.30%	17.30%	17.30%	16.20%	16.40%	16.70%
NIMs (on total assets)	3.26%	3.35%	3.38%	3.34%	3.35%	3.34%	3.27%	3.40%	3.48%	3.54%	3.45%	3.43%	3.46%	3.46%	3.47%	3.58%	3.44%	3.40%	3.40%	3.75%	3.40%	4.10%	4.10%	4.10%
Earning per share	12.38	48.51	12.49	36.04	12.12	23.95	12.13	23.68	88.01	23.02	65.02	21.88	43.24	22.04	21.26	80.05	21.73	58.35	21.56	36.84	21.07	21.37	79.05	66.65
DPS	—	15.50	—	—	—	—	—	—	22.00	—	—	—	—	—	—	19.50	—	—	—	—	—	—	19.00	15.50
Dividend Payout	—	31.95%	—	—	—	—	—	—	25.00%	—	—	—	—	—	—	24.36%	—	—	—	—	—	—	24.03%	23.25%
Cost to Income Ratio	39.23%	38.00%	39.93%	37.38%	40.92%	35.74%	39.17%	32.79%	40.51%	39.82%	40.75%	40.63%	40.82%	40.61%	41.03%	40.18%	38.03%	41.09%	40.30%	41.53%	40.43%	42.82%	40.36%	36.88%
Book Value Per Share	367.10	366.00	366.00	353.00	353.00	340.00	340.00	661.27	638.90	638.90	613.07	613.07	589.89	589.89	583.34	562.91	562.91	546.80	546.80	523.93	523.93	509.70	489.39	421.27
Adj Book Value	361.49	360.92	360.92	347.55	347.55	334.78	334.78	650.07	628.55	628.55	602.47	602.47	580.44	580.44	574.59	555.45	555.45	539.73	539.73	516.48	516.48	503.72	483.91	415.71
Gross NPAs	35,846.36	34,061.19	34,061.19	35,178.98	35,178.98	34,289.48	34,289.48	37,040.80	35,222.64	35,222.64	36,018.58	36,018.58	34,250.62	34,250.62	33,025.69	31,173.32	31,173.32	31,011.67	31,011.67	31,577.89	31,577.89	19,064.12	18,019.03	16,140.96
% of Gross NPAs	1.17%	1.15%	1.15%	1.24%	1.24%	1.24%	1.24%	1.40%	1.33%	1.33%	1.42%	1.42%	1.36%	1.36%	1.33%	1.24%	1.24%	1.26%	1.26%	1.34%	1.34%	1.17%	1.12%	1.17%
Net NPAs	12,357.27	11,169.54	11,169.54	11,981.75	11,981.75	11,447.29	11,447.29	12,275.99	11,320.43	11,320.43	11,587.54	11,587.54	10,308.54	10,308.54	9,508.44	8,091.74	8,091.74	7,664.10	7,664.10	8,072.79	8,072.79	4,776.87	4,368.43	4,407.68
% of Net NPAs	0.41%	0.38%	0.38%	0.42%	0.42%	0.42%	0.42%	0.47%	0.43%	0.43%	0.46%	0.46%	0.41%	0.41%	0.39%	0.33%	0.33%	0.31%	0.31%	0.35%	0.35%	0.30%	0.27%	0.32%
Return on Assets	1.84%	1.94%	1.92%	1.99%	1.92%	1.94%	1.96%	1.92%	1.91%	1.92%	1.99%	1.88%	1.92%	1.96%	1.88%	1.98%	1.96%	1.99%	1.96%	2.00%	2.00%	2.04%	2.07%	2.03%
PCR without Tech W/off (%)	65.53%	67.21%	67.21%	65.94%	65.94%	66.62%	66.62%	66.86%	67.86%	67.86%	67.83%	67.83%	69.90%	69.90%	71.21%	74.04%	74.04%	75.29%	75.29%	74.44%	74.44%	74.94%	75.76%	72.69%
Business Numbers (Rs. Crores)
Business	6,208,133.40	6,042,416.74	6,042,416.74	5,681,501.10	5,681,501.10	5,548,148.55	5,548,148.55	5,392,523.22	5,334,323.51	5,334,323.51	5,082,043.27	5,082,043.27	4,995,208.51	4,995,208.51	4,842,605.35	4,864,647.80	4,864,647.80	4,660,052.66	4,660,052.66	4,504,090.69	4,504,090.69	3,528,767.82	3,483,980.55	2,928,038.37
Net Advances	3,037,303.31	2,937,166.26	2,937,166.26	2,821,446.50	2,821,446.50	2,746,359.78	2,746,359.78	2,628,434.20	2,619,608.61	2,619,608.61	2,518,248.24	2,518,248.24	2,495,120.34	2,495,120.34	2,463,520.82	2,484,861.52	2,484,861.52	2,446,075.66	2,446,075.66	2,331,232.93	2,331,232.93	1,615,672.04	1,600,585.90	1,368,820.93
- Net Advances Growth YoY	15.56%	12.12%	12.12%	12.04%	12.04%	10.07%	10.07%	6.69%	5.42%	5.42%	2.95%	2.95%	7.03%	7.03%	52.48%	55.25%	55.25%	62.33%	62.33%	57.53%	57.53%	15.81%	16.93%	20.83%
Deposits	3,170,830.09	3,105,250.48	3,105,250.48	2,860,054.60	2,860,054.60	2,801,788.77	2,801,788.77	2,764,089.02	2,714,714.90	2,714,714.90	2,563,795.03	2,563,795.03	2,500,088.17	2,500,088.17	2,379,084.53	2,379,786.28	2,379,786.28	2,213,977.00	2,213,977.00	2,172,857.76	2,172,857.76	1,913,095.78	1,883,394.65	1,559,217.44
- Deposit Growth YoY	14.72%	14.39%	14.39%	11.56%	11.56%	12.07%	12.07%	16.18%	14.07%	14.07%	15.80%	15.80%	15.06%	15.06%	24.36%	26.36%	26.36%	27.74%	27.74%	29.85%	29.85%	19.21%	20.79%	16.79%
--Savings deposits	700,800.00	705,800.00	705,800.00	661,700.00	661,700.00	652,700.00	652,700.00	639,000.00	630,500.00	630,500.00	605,600.00	605,600.00	608,100.00	608,100.00	596,400.00	598,700.00	598,700.00	579,900.00	579,900.00	569,956.00	569,956.00	560,604.00	562,493.00	511,739.00
Growth YoY	9.67%	11.94%	11.94%	9.26%	9.26%	7.33%	7.33%	7.14%	5.31%	5.31%	4.43%	4.43%	6.69%	6.69%	6.39%	6.44%	6.44%	8.35%	8.35%	7.59%	7.59%	9.05%	9.92%	26.83%
--Current deposits	324,500.00	354,500.00	354,500.00	299,500.00	299,500.00	296,400.00	296,400.00	298,000.00	314,100.00	314,100.00	267,100.00	267,100.00	275,400.00	275,400.00	267,300.00	310,000.00	310,000.00	255,800.00	255,800.00	247,749.00	247,749.00	252,350.00	273,496.00	239,311.00
Growth YoY	8.89%	12.86%	12.86%	12.13%	12.13%	7.63%	7.63%	11.49%	1.32%	1.32%	4.42%	4.42%	11.16%	11.16%	5.92%	13.35%	13.35%	12.32%	12.32%	7.74%	7.74%	14.40%	14.28%	12.79%
CASA	1,025,300.00	1,060,300.00	1,060,300.00	961,200.00	961,200.00	949,100.00	949,100.00	937,000.00	944,600.00	944,600.00	872,700.00	872,700.00	883,500.00	883,500.00	863,700.00	908,700.00	908,700.00	835,700.00	835,700.00	817,705.00	817,705.00	812,954.00	835,989.00	751,050.00
CASA Ratio	32.34%	34.15%	34.15%	33.61%	33.61%	33.87%	33.87%	33.90%	34.80%	34.80%	34.04%	34.04%	35.34%	35.34%	36.30%	38.18%	38.18%	37.75%	37.75%	37.63%	37.63%	42.49%	44.39%	48.17%
Product Wise Advances
Retail Mortgages	900,500.00	888,700.00	888,700.00	870,700.00	870,700.00	856,500.00	856,500.00	842,800.00	835,700.00	835,700.00	817,100.00	817,100.00	802,800.00	802,800.00	788,000.00	774,400.00	774,400.00	743,200.00	743,200.00	717,100.00	717,100.00	187,300.00	—	—
Personal Loans	222,400.00	217,800.00	217,800.00	211,700.00	211,700.00	206,300.00	206,300.00	201,600.00	199,300.00	199,300.00	194,400.00	194,400.00	189,600.00	189,600.00	185,900.00	184,600.00	184,600.00	181,500.00	181,500.00	178,700.00	178,700.00	176,700.00	171,676.00	140,127.00
Auto	161,900.00	157,500.00	157,500.00	152,700.00	152,700.00	151,500.00	151,500.00	148,300.00	145,700.00	145,700.00	139,900.00	139,900.00	137,500.00	137,500.00	133,000.00	131,100.00	131,100.00	128,000.00	128,000.00	125,500.00	125,500.00	121,700.00	117,429.00	100,463.00
Payment Products	116,100.00	113,800.00	113,800.00	113,600.00	113,600.00	114,800.00	114,800.00	113,500.00	113,600.00	113,600.00	112,300.00	112,300.00	109,700.00	109,700.00	103,400.00	100,200.00	100,200.00	97,100.00	97,100.00	90,900.00	90,900.00	90,400.00	86,104.00	76,757.00
Two Wheelers	11,800.00	11,900.00	11,900.00	11,900.00	11,900.00	12,500.00	12,500.00	12,000.00	12,400.00	12,400.00	12,200.00	12,200.00	12,500.00	12,500.00	12,000.00	11,800.00	11,800.00	11,300.00	11,300.00	11,000.00	11,000.00	10,400.00	9,933.00	9,288.00
Gold Loans	25,500.00	23,700.00	23,700.00	21,500.00	21,500.00	20,100.00	20,100.00	18,900.00	17,700.00	17,700.00	16,700.00	16,700.00	15,900.00	15,900.00	14,900.00	13,800.00	13,800.00	13,100.00	13,100.00	12,600.00	12,600.00	11,700.00	10,842.00	8,350.00
Other Retail	69,300.00	71,100.00	71,100.00	68,800.00	68,800.00	70,300.00	70,300.00	69,100.00	73,600.00	73,600.00	72,500.00	72,500.00	71,700.00	71,700.00	69,800.00	71,300.00	71,300.00	44,600.00	44,600.00	44,500.00	44,500.00	41,200.00	59,754.00	51,479.00
Commercial & Rural Banking Excl Agri	840,100.00	810,800.00	810,800.00	771,700.00	771,700.00	741,600.00	741,600.00	708,200.00	539,100.00	539,100.00	511,400.00	511,400.00	488,800.00	488,800.00	471,500.00	459,000.00	459,000.00	680,100.00	680,100.00	633,900.00	633,900.00	581,400.00	488,221.00	420,191.00
Agriculture	124,100.00	130,400.00	130,400.00	123,800.00	123,800.00	123,400.00	123,400.00	115,300.00	118,400.00	118,400.00	107,600.00	107,600.00	108,100.00	108,100.00	100,100.00	105,300.00	105,300.00	93,000.00	93,000.00	90,500.00	90,500.00	79,600.00	81,719.00	64,545.00
Corporates & Other Wholesale	655,600.00	631,600.00	631,600.00	599,600.00	599,600.00	571,800.00	571,800.00	552,300.00	717,700.00	717,700.00	699,800.00	699,800.00	696,800.00	696,800.00	696,300.00	724,300.00	724,300.00	436,300.00	436,300.00	428,100.00	428,100.00	404,600.00	409,712.00	364,011.00
IBPC/BRDS	-66,400.00	-97,300.00	-97,300.00	-101,400.00	-101,400.00	-99,600.00	-99,600.00	-128,800.00	-129,800.00	-129,800.00	-141,300.00	-141,300.00	-114,400.00	-114,400.00	-88,100.00	-68,000.00	-68,000.00	-57,800.00	-57,800.00	—	-80,900.00	-75,300.00	—	—
Total	3,060,900.00	2,960,000.00	2,960,000.00	2,844,600.00	2,844,600.00	2,769,200.00	2,769,200.00	2,653,200.00	2,643,400.00	2,643,400.00	2,542,600.00	2,542,600.00	2,519,000.00	2,519,000.00	2,486,800.00	2,507,800.00	2,507,800.00	2,469,300.00	2,469,300.00	2,354,700.00	2,354,700.00	1,629,700.00	1,614,230.00	1,380,515.00
Cost Ratios as % of Total Income
Interest / Discount on advances	78.06%	77.97%	78.78%	77.70%	78.11%	77.49%	77.28%	77.70%	79.34%	78.00%	79.81%	78.84%	80.32%	80.24%	80.39%	80.21%	81.35%	79.78%	80.43%	79.38%	80.20%	78.23%	78.66%	77.11%
Income on Investments	17.98%	19.17%	18.18%	19.50%	19.11%	19.69%	19.93%	19.45%	17.74%	18.63%	17.44%	18.05%	17.12%	17.07%	17.18%	17.17%	16.23%	17.53%	17.31%	17.67%	17.19%	18.34%	19.38%	20.39%
Interest on bal with RBI and others	1.72%	0.87%	1.15%	0.78%	0.74%	0.79%	0.72%	0.87%	0.83%	0.78%	0.85%	1.00%	0.78%	0.91%	0.65%	0.79%	0.64%	0.85%	0.53%	1.04%	0.61%	1.63%	0.62%	2.00%
Others	2.23%	2.00%	1.90%	2.03%	2.03%	2.03%	2.07%	1.98%	2.08%	2.60%	1.90%	2.12%	1.78%	1.78%	1.78%	1.83%	1.78%	1.84%	1.73%	1.92%	2.00%	1.80%	1.35%	0.50%
Other income	16.16%	20.33%	17.23%	21.36%	17.27%	23.40%	18.71%	28.05%	15.18%	15.53%	15.07%	15.07%	15.06%	15.51%	14.61%	19.06%	25.42%	16.63%	15.78%	17.15%	15.82%	19.00%	19.32%	23.10%
Total Interest Expense	57.75%	58.15%	56.82%	58.60%	57.51%	59.14%	58.86%	59.42%	59.18%	58.60%	59.38%	59.67%	59.23%	59.31%	59.15%	57.99%	59.32%	57.48%	59.66%	56.16%	59.55%	51.43%	46.26%	43.63%
Net Interest Income	42.25%	41.85%	43.18%	41.40%	42.49%	40.86%	41.14%	40.58%	40.82%	41.40%	40.62%	40.33%	40.77%	40.69%	40.85%	42.01%	40.68%	42.52%	40.34%	43.84%	40.45%	48.57%	53.74%	56.37%
Wages	8.08%	8.47%	8.13%	8.58%	9.39%	8.19%	8.43%	7.95%	7.95%	7.90%	7.97%	7.83%	8.05%	8.09%	8.01%	8.61%	9.70%	8.19%	7.58%	8.56%	7.64%	9.84%	9.60%	9.42%
Other administrative Exps	14.83%	15.16%	15.99%	14.88%	15.07%	14.78%	15.02%	14.56%	14.73%	14.77%	14.72%	14.68%	14.74%	14.73%	14.75%	15.93%	15.44%	16.11%	15.03%	16.77%	15.11%	19.09%	19.89%	19.89%
Total Operating Expenses	22.92%	23.63%	24.12%	23.46%	24.46%	22.97%	23.44%	22.50%	22.69%	22.67%	22.69%	22.51%	22.79%	22.82%	22.76%	24.54%	25.14%	24.30%	22.61%	25.33%	22.75%	28.93%	29.49%	29.31%
Profit before Tax and Provisions	35.49%	38.55%	36.29%	39.30%	35.31%	41.29%	36.41%	46.13%	33.32%	34.26%	32.99%	32.89%	33.04%	33.38%	32.70%	36.54%	40.96%	34.84%	33.50%	35.66%	33.52%	38.64%	43.57%	50.16%
Provisions and contingencies	3.86%	7.61%	3.41%	9.00%	3.70%	11.64%	4.56%	18.64%	3.88%	4.12%	3.79%	4.15%	3.61%	3.65%	3.56%	9.09%	18.90%	5.34%	5.97%	4.96%	4.29%	5.89%	7.38%	11.79%
PBT	31.64%	30.95%	32.89%	30.30%	31.61%	29.65%	31.85%	27.48%	29.44%	30.14%	29.20%	28.74%	29.44%	29.73%	29.14%	27.44%	22.05%	29.50%	27.53%	30.70%	29.23%	32.75%	36.19%	38.37%
Income Tax	7.62%	6.67%	7.80%	6.29%	7.30%	5.79%	7.54%	4.05%	7.03%	7.39%	6.91%	6.72%	7.00%	7.00%	6.99%	3.90%	-1.05%	5.80%	4.33%	6.69%	5.63%	8.15%	8.90%	9.44%
PAT	24.02%	24.28%	25.09%	24.01%	24.30%	23.87%	24.31%	23.44%	22.41%	22.74%	22.30%	22.02%	22.44%	22.73%	22.15%	23.54%	23.10%	23.71%	23.20%	24.02%	23.60%	24.60%	27.30%	28.93%

ICICI

ICICI Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	35,213.58	130,605.55	33,358.87	97,246.68	32,520.08	64,726.60	32,183.68	32,542.92	126,404.72	32,821.33	93,583.39	32,048.40	61,534.99	31,426.45	30,108.54	110,943.93	29,423.40	81,520.53	28,557.51	52,963.02	27,118.87	25,844.15	83,942.97	63,833.56
Income on Investments	8,376.24	33,592.73	8,203.45	25,389.28	8,216.90	17,172.38	8,459.54	8,712.84	32,980.23	8,210.18	24,770.05	8,302.14	16,467.91	8,311.33	8,156.58	28,630.99	7,782.01	20,848.98	7,210.67	13,638.31	7,020.31	6,618.00	20,888.46	16,409.27
Interest on bal with RBI and others	901.25	2,862.93	775.82	2,087.11	672.72	1,414.39	646.99	767.40	2,155.82	706.12	1,449.70	489.59	960.11	517.11	443.00	1,791.39	430.16	1,361.23	454.19	907.04	494.34	412.70	1,850.51	1,560.83
Others	1,179.71	2,884.88	937.25	1,947.63	556.14	1,391.49	467.74	923.75	1,723.01	693.17	1,029.84	459.69	570.15	282.49	287.66	1,524.63	312.79	1,211.84	472.21	739.63	286.87	452.76	2,549.40	4,570.89
Total Fund based income	45,670.78	169,946.09	43,275.39	126,670.70	41,965.84	84,704.86	41,757.95	42,946.91	163,263.78	42,430.80	120,832.98	41,299.82	79,533.16	40,537.38	38,995.78	142,890.94	37,948.36	104,942.58	36,694.58	68,248.00	34,920.39	33,327.61	109,231.34	86,374.55
--growth y-o-y	6.34%	4.09%	1.99%	4.83%	1.61%	6.50%	3.01%	10.13%	14.26%	11.81%	15.14%	12.55%	16.54%	16.09%	17.01%	30.81%	22.33%	34.18%	28.73%	37.31%	34.14%	40.79%	26.46%	9.17%
--growth q-o-q	5.54%	—	3.12%	—	0.50%	—	-2.77%	1.22%	—	2.74%	—	1.88%	—	3.95%	2.76%	—	3.42%	—	5.08%	—	4.78%	7.44%	—	—
Other Income	8,576.06	30,757.59	7,308.99	23,448.60	7,368.16	16,080.44	7,575.54	8,504.90	28,506.70	7,260.07	21,246.63	7,068.05	14,178.58	7,176.66	7,001.92	22,957.77	5,648.78	17,308.99	6,097.06	11,211.93	5,776.68	5,435.25	19,831.45	18,517.53
Total Income	54,246.84	200,703.68	50,584.38	150,119.30	49,334.00	100,785.30	49,333.49	51,451.81	191,770.48	49,690.87	142,079.61	48,367.87	93,711.74	47,714.04	45,997.70	165,848.71	43,597.14	122,251.57	42,791.64	79,459.93	40,697.07	38,762.86	129,062.79	104,892.08
Total Interest Expense	21,286.43	81,870.86	20,296.32	61,574.54	20,033.60	41,540.94	20,228.49	21,312.45	82,099.34	21,237.86	60,861.48	20,929.21	39,932.27	20,489.40	19,442.87	68,585.22	18,855.56	49,729.66	18,016.03	31,713.63	16,612.48	15,101.15	47,102.74	38,908.45
--growth y-o-y	-0.12%	-0.28%	-4.43%	1.17%	-4.28%	4.03%	-1.27%	9.62%	19.70%	12.63%	22.38%	16.17%	25.92%	23.34%	28.75%	45.61%	41.19%	47.35%	49.63%	46.09%	47.72%	44.35%	21.06%	-3.04%
--growth q-o-q	4.88%	—	1.31%	—	-0.96%	—	-5.09%	0.35%	—	1.47%	—	2.15%	—	5.38%	3.11%	—	4.66%	—	8.45%	—	10.01%	13.08%	—	—
Net Interest Income	24,384.35	88,075.23	22,979.07	65,096.16	21,932.24	43,163.92	21,529.46	21,634.46	81,164.44	21,192.94	59,971.50	20,370.61	39,600.89	20,047.98	19,552.91	74,305.72	19,092.80	55,212.92	18,678.55	36,534.37	18,307.91	18,226.46	62,128.60	47,466.10
--growth y-o-y	12.71%	8.51%	8.43%	8.55%	7.67%	9.00%	7.39%	10.65%	9.23%	11.00%	8.62%	9.06%	8.39%	9.50%	7.28%	19.60%	8.07%	24.18%	13.44%	30.49%	23.81%	37.97%	30.89%	21.74%
--growth q-o-q	6.12%	—	4.77%	—	1.87%	—	-0.49%	2.08%	—	4.04%	—	1.61%	—	2.53%	2.41%	—	2.22%	—	2.02%	—	0.45%	3.17%	—	—
Operating Expenses
Employee Cost	5,004.64	17,974.89	4,468.17	13,506.72	4,421.80	9,084.92	4,341.84	4,743.08	16,540.88	4,105.18	12,435.70	3,929.05	8,506.65	4,136.14	4,370.51	15,141.99	3,720.24	11,421.75	3,812.67	7,609.08	3,725.42	3,883.66	12,059.93	9,672.76
Other administrative Exps	7,569.70	29,259.06	7,620.78	21,638.28	7,522.64	14,115.64	7,465.20	6,650.44	25,831.44	6,683.58	19,147.86	6,623.06	12,524.80	6,365.32	6,159.48	23,990.74	5,982.59	18,008.15	6,239.32	11,768.83	6,129.90	5,638.93	20,813.31	17,060.57
Total Operating Expenses	12,574.34	47,233.95	12,088.95	35,145.00	11,944.44	23,200.56	11,807.04	11,393.52	42,372.32	10,788.76	31,583.56	10,552.11	21,031.45	10,501.46	10,529.99	39,132.73	9,702.83	29,429.90	10,051.99	19,377.91	9,855.32	9,522.59	32,873.24	26,733.33
Profit Before Tax and Provisions	20,386.07	71,598.87	18,199.11	53,399.76	17,355.96	36,043.80	17,297.96	18,745.84	67,298.82	17,664.25	49,634.57	16,886.55	32,748.02	16,723.18	16,024.84	58,130.76	15,038.75	43,092.01	14,723.62	28,368.39	14,229.27	14,139.12	49,086.81	39,250.30
--growth y-o-y	8.75%	6.39%	3.03%	7.59%	2.78%	10.06%	3.44%	16.98%	15.77%	17.46%	15.18%	14.69%	15.44%	17.53%	13.34%	18.42%	8.77%	22.21%	10.94%	29.01%	21.82%	37.15%	25.06%	7.84%
--growth q-o-q	12.02%	—	4.86%	—	0.34%	—	-7.72%	6.12%	—	4.61%	—	0.98%	—	4.36%	6.56%	—	2.14%	—	3.47%	—	0.64%	2.26%	—	—
Provisions and contingencies
Others	1,260.45	5,380.42	96.16	5,284.26	2,555.58	2,728.68	914.11	1,814.57	4,682.62	890.70	3,791.92	1,226.65	2,565.27	1,233.09	1,332.18	3,642.93	718.49	2,924.44	1,049.37	1,875.07	582.63	1,292.44	6,665.58	8,641.42
Total Provisions	1,260.45	5,380.42	96.16	5,284.26	2,555.58	2,728.68	914.11	1,814.57	4,682.62	890.70	3,791.92	1,226.65	2,565.27	1,233.09	1,332.18	3,642.93	718.49	2,924.44	1,049.37	1,875.07	582.63	1,292.44	6,665.58	8,641.42
Profit Before tax	19,125.62	66,218.45	18,102.95	48,115.50	14,800.38	33,315.12	16,383.85	16,931.27	62,616.20	16,773.55	45,842.65	15,659.90	30,182.75	15,490.09	14,692.66	54,487.83	14,320.26	40,167.57	13,674.25	26,493.32	13,646.64	12,846.68	42,421.23	30,608.88
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income Tax	4,321.12	16,071.81	4,401.27	11,670.54	3,482.52	8,188.02	4,024.96	4,163.06	15,389.21	4,143.97	11,245.24	3,867.48	7,377.76	3,744.21	3,633.55	13,599.56	3,612.73	9,986.83	3,402.71	6,584.12	3,385.64	3,198.48	10,524.73	7,269.40
effective tax rate	22.59%	24.27%	24.31%	24.26%	23.53%	24.58%	24.57%	24.59%	24.58%	24.71%	24.53%	24.70%	24.44%	24.17%	24.73%	24.96%	25.23%	24.86%	24.88%	24.85%	24.81%	24.90%	24.81%	23.75%
Net Profit	14,804.50	50,146.64	13,701.68	36,444.96	11,317.86	25,127.10	12,358.89	12,768.21	47,226.99	12,629.58	34,597.41	11,792.42	22,804.99	11,745.88	11,059.11	40,888.27	10,707.53	30,180.74	10,271.54	19,909.20	10,261.00	9,648.20	31,896.50	23,339.48
--growth y-o-y	15.95%	6.18%	8.49%	5.34%	-4.02%	10.18%	5.22%	15.45%	15.50%	17.95%	14.63%	14.81%	14.54%	14.47%	14.62%	28.19%	17.38%	32.52%	23.58%	37.66%	35.77%	39.73%	36.66%	44.14%
--growth q-o-q	8.05%	—	21.06%	—	-8.42%	—	-3.21%	1.10%	—	7.10%	—	0.40%	—	6.21%	3.28%	—	4.24%	—	0.10%	—	6.35%	5.77%	—	—
Capital & Key Ratios
Equity Share Capital	1,434.94	1,432.23	1,432.23	1,430.35	1,430.35	1,428.95	1,428.95	1,427.32	1,424.60	1,424.60	1,412.11	1,412.11	1,409.45	1,409.45	1,407.45	1,404.68	1,404.68	1,403.18	1,403.18	1,400.83	1,400.83	1,399.54	1,396.78	1,389.97
Reserves	341,575.86	325,362.45	325,362.45	311,725.28	311,725.28	300,198.95	300,198.95	295,174.40	280,630.96	280,630.96	260,893.01	260,893.01	249,008.67	249,008.67	246,580.11	232,505.97	232,505.97	221,129.31	221,129.31	210,508.56	210,508.56	205,587.83	195,495.25	165,659.93
Capital Adequacy Ratio	16.84%	17.18%	17.18%	15.59%	15.59%	15.76%	15.76%	16.31%	16.55%	16.55%	16.60%	16.60%	16.68%	16.68%	15.96%	16.33%	16.33%	16.70%	16.70%	16.07%	16.07%	16.71%	18.34%	19.16%
CET 1	16.19%	16.35%	16.35%	14.71%	14.71%	15.11%	15.11%	15.65%	15.94%	15.94%	15.93%	15.93%	15.96%	15.96%	15.60%	15.60%	15.60%	16.03%	16.03%	15.26%	15.26%	15.99%	17.12%	17.60%
Net Interest Margin (%)	4.36%	4.31%	4.32%	4.31%	4.30%	4.32%	4.30%	4.34%	4.32%	4.41%	4.29%	4.25%	4.32%	4.27%	4.36%	4.54%	4.40%	4.57%	4.43%	4.66%	4.53%	4.78%	4.48%	3.96%
Earning per share	20.63	70.03	19.13	50.96	15.83	35.17	17.30	17.89	66.30	17.73	49.00	16.70	32.36	16.67	15.72	58.22	15.25	43.02	14.64	28.42	14.65	13.79	45.67	33.58
DPS	—	12.00	—	—	—	—	—	—	11.00	—	—	—	—	—	—	10.00	—	—	—	—	—	—	8.00	5.00
Dividend Payout	—	17.14%	—	—	—	—	—	—	16.59%	—	—	—	—	—	—	17.18%	—	—	—	—	—	—	17.52%	14.89%
Cost to Income Ratio	38.15%	39.75%	39.91%	39.69%	40.77%	39.16%	40.57%	37.80%	38.64%	37.92%	38.89%	38.46%	39.11%	38.57%	39.65%	40.23%	39.22%	40.58%	40.57%	40.59%	40.92%	40.24%	40.11%	40.52%
Book value per share	478.08	456.34	456.34	437.87	437.87	422.17	422.17	415.61	395.98	395.98	371.51	371.51	355.34	355.34	352.39	333.04	333.04	317.18	317.18	302.55	302.55	295.79	281.92	240.36
Adj Book Value	472.32	451.01	451.01	432.26	432.26	416.46	416.46	409.75	390.49	390.49	365.66	365.66	349.69	349.69	346.74	327.68	327.68	311.82	311.82	297.50	297.50	290.41	276.76	233.35
Gross NPAs	23,846.59	23,051.93	23,051.93	23,757.88	23,757.88	23,849.66	23,849.66	24,732.65	24,166.18	24,166.18	27,745.33	27,745.33	27,121.15	27,121.15	28,718.63	27,961.68	27,961.68	28,774.63	28,774.63	29,836.94	29,836.94	31,822.39	31,183.70	33,919.52
Net NPAs	5,908.27	5,459.46	5,459.46	5,731.95	5,731.95	5,827.00	5,827.00	5,971.09	5,589.41	5,589.41	5,897.76	5,897.76	5,685.14	5,685.14	5,684.79	5,377.70	5,377.70	5,378.48	5,378.48	5,046.47	5,046.47	5,381.77	5,155.07	6,960.89
Slippages (Net)	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	3,028.00
% of Gross NPAs	1.38%	1.40%	1.40%	1.53%	1.53%	1.58%	1.58%	1.67%	1.67%	1.67%	1.96%	1.96%	1.97%	1.97%	2.15%	2.16%	2.16%	2.30%	2.30%	2.48%	2.48%	2.76%	2.81%	3.60%
% of Net NPAs	0.35%	0.33%	0.33%	0.37%	0.37%	0.39%	0.39%	0.41%	0.39%	0.39%	0.42%	0.42%	0.42%	0.42%	0.43%	0.42%	0.42%	0.44%	0.44%	0.43%	0.43%	0.48%	0.48%	0.76%
Slippage Ratio (Net)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.41%
Return on Assets	2.49%	2.33%	2.40%	2.30%	2.11%	2.40%	2.36%	2.44%	2.41%	2.52%	2.38%	2.36%	2.38%	2.40%	2.36%	2.37%	2.36%	2.38%	2.32%	2.40%	2.41%	2.39%	2.16%	1.84%
PCR without Tech W/off (%)	75.22%	76.32%	76.32%	75.87%	75.87%	75.57%	75.57%	75.86%	76.87%	76.87%	78.74%	78.74%	79.04%	79.04%	80.21%	80.77%	80.77%	81.31%	81.31%	83.09%	83.09%	83.09%	83.47%	79.48%
Business Numbers (Rs. Crores)
Business	3,464,845.50	3,348,517.93	3,348,517.93	3,125,764.49	3,125,764.49	3,021,281.37	3,021,281.37	2,972,674.38	2,952,114.18	2,952,114.18	2,834,674.80	2,834,674.80	2,775,001.10	2,775,001.10	2,649,303.73	2,597,231.34	2,597,231.34	2,486,085.56	2,486,085.56	2,405,283.86	2,405,283.86	2,296,319.20	2,200,479.00	1,923,592.05
Net Advances	1,631,259.71	1,553,892.95	1,553,892.95	1,466,153.55	1,466,153.55	1,408,456.43	1,408,456.43	1,364,157.06	1,341,766.16	1,341,766.16	1,314,366.05	1,314,366.05	1,277,240.43	1,277,240.43	1,223,154.27	1,184,406.39	1,184,406.39	1,153,771.02	1,153,771.02	1,110,542.14	1,110,542.14	1,057,582.60	1,019,638.31	859,020.44
- Net Advances Growth YoY	19.58%	15.81%	15.81%	11.55%	11.55%	10.27%	10.27%	11.53%	13.29%	13.29%	13.92%	13.92%	15.01%	15.01%	15.66%	16.16%	16.16%	18.45%	18.45%	18.32%	18.32%	18.08%	18.70%	17.08%
--Retail Advances	494,868.00	0.00	—	0.00	—	522,592.00	522,592.00	494,868.00	0.00	—	0.00	—	522,592.00	522,592.00	494,868.00	0.00	—	0.00	—	522,592.00	522,592.00	494,868.00	0.00	454,635.00
-- % of total Advances	30.34%	0.00%	0.00%	0.00%	0.00%	37.10%	37.10%	36.28%	0.00%	0.00%	0.00%	0.00%	40.92%	40.92%	40.46%	0.00%	0.00%	0.00%	0.00%	47.06%	47.06%	46.79%	0.00%	52.92%
Deposits	1,833,585.79	1,794,624.98	1,794,624.98	1,659,610.94	1,659,610.94	1,612,824.94	1,612,824.94	1,608,517.32	1,610,348.02	1,610,348.02	1,520,308.75	1,520,308.75	1,497,760.67	1,497,760.67	1,426,149.46	1,412,824.95	1,412,824.95	1,332,314.54	1,332,314.54	1,294,741.72	1,294,741.72	1,238,736.60	1,180,840.69	1,064,571.61
- Deposit Growth YoY	13.99%	11.44%	11.44%	9.16%	9.16%	7.68%	7.68%	12.79%	13.98%	13.98%	14.11%	14.11%	15.68%	15.68%	15.13%	19.65%	19.65%	18.74%	18.74%	18.78%	18.78%	17.94%	10.92%	14.16%
--Savings deposits	476,370.00	475,606.00	475,606.00	449,603.00	449,603.00	452,124.00	452,124.00	445,842.00	440,772.00	440,772.00	425,148.00	425,148.00	425,633.00	425,633.00	407,643.00	402,300.00	402,300.00	374,584.00	374,584.00	372,326.00	372,326.00	375,193.00	379,776.00	359,957.00
-- saving deposit growth	6.85%	7.90%	7.90%	5.75%	5.75%	6.22%	6.22%	9.37%	9.56%	9.56%	13.50%	13.50%	14.32%	14.32%	8.65%	5.93%	5.93%	3.13%	3.13%	2.72%	2.72%	6.65%	5.51%	21.83%
--Current deposits	247,886.00	267,981.00	267,981.00	217,987.00	217,987.00	206,747.00	206,747.00	216,971.00	232,957.00	232,957.00	190,438.00	190,438.00	183,090.00	183,090.00	176,028.00	193,572.00	193,572.00	153,411.00	153,411.00	155,304.00	155,304.00	161,033.00	161,486.00	158,480.00
-- current deposit growth	14.25%	15.03%	15.03%	14.47%	14.47%	12.92%	12.92%	23.26%	20.35%	20.35%	24.14%	24.14%	17.89%	17.89%	9.31%	19.87%	19.87%	5.35%	5.35%	6.84%	6.84%	14.78%	1.90%	16.38%
CASA	724,256.00	743,587.00	743,587.00	667,590.00	667,590.00	658,871.00	658,871.00	662,813.00	673,729.00	673,729.00	615,586.00	615,586.00	608,723.00	608,723.00	583,671.00	595,872.00	595,872.00	527,995.00	527,995.00	527,630.00	527,630.00	536,226.00	541,262.00	518,437.00
-- % of total Deposits	39.50%	41.43%	41.43%	40.23%	40.23%	40.85%	40.85%	41.21%	41.84%	41.84%	40.49%	40.49%	40.64%	40.64%	40.93%	42.18%	42.18%	39.63%	39.63%	40.75%	40.75%	43.29%	45.84%	48.70%
Cost Ratios as % of Total Income
Interest / Discount on advances	77.10%	76.85%	77.09%	76.77%	77.49%	76.41%	77.07%	75.77%	77.42%	77.35%	77.45%	77.60%	77.37%	77.52%	77.21%	77.64%	77.54%	77.68%	77.82%	77.60%	77.66%	77.55%	76.85%	73.90%
Income on Investments	18.34%	19.77%	18.96%	20.04%	19.58%	20.27%	20.26%	20.29%	20.20%	19.35%	20.50%	20.10%	20.71%	20.50%	20.92%	20.04%	20.51%	19.87%	19.65%	19.98%	20.10%	19.86%	19.12%	19.00%
Interest on bal with RBI and others	1.97%	1.68%	1.79%	1.65%	1.60%	1.67%	1.55%	1.79%	1.32%	1.66%	1.20%	1.19%	1.21%	1.28%	1.14%	1.25%	1.13%	1.30%	1.24%	1.33%	1.42%	1.24%	1.69%	1.81%
Others	2.58%	1.70%	2.17%	1.54%	1.33%	1.64%	1.12%	2.15%	1.06%	1.63%	0.85%	1.11%	0.72%	0.70%	0.74%	1.07%	0.82%	1.15%	1.29%	1.08%	0.82%	1.36%	2.33%	5.29%
other Income	18.78%	18.10%	16.89%	18.51%	17.56%	18.98%	18.14%	19.80%	17.46%	17.11%	17.58%	17.11%	17.83%	17.70%	17.96%	16.07%	14.89%	16.49%	16.62%	16.43%	16.54%	16.31%	18.16%	21.44%
Total Interest Expense	46.61%	48.17%	46.90%	48.61%	47.74%	49.04%	48.44%	49.63%	50.29%	50.05%	50.37%	50.68%	50.21%	50.54%	49.86%	48.00%	49.69%	47.39%	49.10%	46.47%	47.57%	45.31%	43.12%	45.05%
Net Interest Income	53.39%	51.83%	53.10%	51.39%	52.26%	50.96%	51.56%	50.37%	49.71%	49.95%	49.63%	49.32%	49.79%	49.46%	50.14%	52.00%	50.31%	52.61%	50.90%	53.53%	52.43%	54.69%	56.88%	54.95%
Wages	10.96%	10.58%	10.32%	10.66%	10.54%	10.73%	10.40%	11.04%	10.13%	9.68%	10.29%	9.51%	10.70%	10.20%	11.21%	10.60%	9.80%	10.88%	10.39%	11.15%	10.67%	11.65%	11.04%	11.20%
Other administrative Exps	16.57%	17.22%	17.61%	17.08%	17.93%	16.66%	17.88%	15.49%	15.82%	15.75%	15.85%	16.04%	15.75%	15.70%	15.80%	16.79%	15.77%	17.16%	17.00%	17.24%	17.55%	16.92%	19.05%	19.75%
Total Operating Expenses	27.53%	27.79%	27.93%	27.75%	28.46%	27.39%	28.27%	26.53%	25.95%	25.43%	26.14%	25.55%	26.44%	25.91%	27.00%	27.39%	25.57%	28.04%	27.39%	28.39%	28.22%	28.57%	30.10%	30.95%
Profit before Tax and Provisions	44.64%	42.13%	42.05%	42.16%	41.36%	42.55%	41.42%	43.65%	41.22%	41.63%	41.08%	40.89%	41.18%	41.25%	41.09%	40.68%	39.63%	41.06%	40.12%	41.57%	40.75%	42.42%	44.94%	45.44%
Provisions and contingencies	2.76%	3.17%	0.22%	4.17%	6.09%	3.22%	2.19%	4.23%	2.87%	2.10%	3.14%	2.97%	3.23%	3.04%	3.42%	2.55%	1.89%	2.79%	2.86%	2.75%	1.67%	3.88%	6.10%	10.00%
PBT	41.88%	38.96%	41.83%	37.98%	35.27%	39.33%	39.24%	39.42%	38.35%	39.53%	37.94%	37.92%	37.95%	38.21%	37.68%	38.13%	37.74%	38.28%	37.27%	38.82%	39.08%	38.55%	38.84%	35.44%
Income Tax	9.46%	9.46%	10.17%	9.21%	8.30%	9.67%	9.64%	9.69%	9.43%	9.77%	9.31%	9.36%	9.28%	9.24%	9.32%	9.52%	9.52%	9.52%	9.27%	9.65%	9.70%	9.60%	9.64%	8.42%
PAT	32.42%	29.51%	31.66%	28.77%	26.97%	29.66%	29.60%	29.73%	28.93%	29.77%	28.63%	28.55%	28.67%	28.98%	28.36%	28.62%	28.22%	28.76%	27.99%	29.17%	29.38%	28.95%	29.20%	27.02%

IDBI

IDBI Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	5,231.35	19,403.48	5,039.50	14,363.98	4,813.21	9,550.77	4,779.61	4,771.16	19,226.45	4,720.41	14,506.04	4,824.49	9,681.55	5,257.52	4,424.03	17,970.66	4,761.95	13,208.71	4,328.02	8,880.69	4,018.80	4,861.89	13,336.62	12,100.10
Income on Investments	2,022.77	8,190.60	2,139.15	6,051.45	1,957.36	4,094.09	2,062.13	2,031.96	8,254.88	2,075.23	6,179.65	2,062.49	4,117.16	2,022.73	2,094.43	7,737.61	2,067.96	5,669.65	2,004.97	3,664.68	1,872.47	1,792.21	5,948.95	4,628.89
Interest on bal with RBI and others	256.82	964.57	281.07	683.50	261.93	421.57	233.24	188.33	415.37	132.89	282.48	80.04	202.44	121.20	81.24	339.85	85.36	258.30	45.04	213.26	76.63	136.63	517.97	601.84
Others	30.50	438.60	338.75	99.85	41.05	58.80	29.25	29.55	1,005.31	50.11	955.20	848.55	106.65	40.35	66.30	378.00	75.20	299.00	162.83	136.17	66.91	69.26	766.24	964.35
Total Fund based income	7,541.44	28,997.25	7,798.47	21,198.78	7,073.55	14,125.23	7,104.23	7,021.00	28,902.01	6,978.64	21,923.37	7,815.57	14,107.80	7,441.80	6,666.00	26,426.12	6,990.47	19,435.66	6,540.86	12,894.80	6,034.81	6,859.99	20,569.78	18,295.18
--growth y-o-y	7.41%	0.33%	11.75%	-3.31%	-9.49%	0.12%	-4.54%	5.33%	9.37%	-0.17%	12.80%	19.49%	9.41%	23.31%	-2.83%	28.47%	22.08%	30.88%	25.03%	34.05%	21.22%	47.82%	12.43%	-8.21%
--growth q-o-q	-3.30%	—	10.25%	—	-0.43%	—	1.19%	0.61%	—	-10.71%	—	5.02%	—	11.64%	-4.64%	—	6.87%	—	8.39%	—	-12.03%	19.80%	—	—
Other Income	1,031.58	6,746.27	1,610.98	5,135.29	1,208.86	3,926.43	2,489.41	1,437.02	4,923.99	2,056.65	2,867.34	749.35	2,117.99	1,312.74	805.25	3,610.91	896.17	2,714.74	973.41	1,741.33	889.37	851.96	4,371.98	4,477.35
Total Income	8,573.02	35,743.52	9,409.45	26,334.07	8,282.41	18,051.66	9,593.64	8,458.02	33,826.00	9,035.29	24,790.71	8,564.92	16,225.79	8,754.54	7,471.25	30,037.03	7,886.64	22,150.40	7,514.27	14,636.13	6,924.18	7,711.95	24,941.76	22,772.53
Total Interest Expense	4,055.28	15,485.61	3,947.05	11,538.56	3,864.11	7,674.45	3,819.22	3,855.23	14,275.57	3,688.71	10,586.86	3,587.35	6,999.51	3,566.33	3,433.18	12,239.69	3,302.58	8,937.11	3,106.39	5,830.72	2,968.32	2,862.40	9,139.23	9,132.81
--growth y-o-y	5.19%	8.48%	7.00%	8.99%	7.71%	9.64%	7.09%	12.29%	16.63%	11.69%	18.46%	15.48%	20.05%	20.15%	19.94%	33.92%	34.99%	33.40%	34.70%	32.71%	32.51%	32.93%	0.07%	-19.99%
--growth q-o-q	2.74%	—	2.15%	—	1.18%	—	-0.93%	4.51%	—	2.83%	—	0.59%	—	3.88%	3.95%	—	6.32%	—	4.65%	—	3.70%	17.00%	—	—
Net Interest Income	3,486.16	13,511.64	3,851.42	9,660.22	3,209.44	6,450.78	3,285.01	3,165.77	14,626.44	3,289.93	11,336.51	4,228.22	7,108.29	3,875.47	3,232.82	14,186.43	3,687.89	10,498.55	3,434.47	7,064.08	3,066.49	3,997.59	11,430.55	9,162.37
--growth y-o-y	10.12%	-7.62%	17.07%	-14.79%	-24.09%	-9.25%	-15.24%	-2.07%	3.10%	-10.79%	7.98%	23.11%	0.63%	26.38%	-19.13%	24.11%	12.45%	28.80%	17.40%	35.18%	11.99%	60.71%	24.76%	7.56%
--growth q-o-q	-9.48%	—	20.00%	—	-2.30%	—	3.77%	-3.77%	—	-22.19%	—	9.10%	—	19.88%	-12.34%	—	7.38%	—	12.00%	—	-23.29%	21.89%	—	—
Operating Expenses
Employee Cost	1,118.95	4,358.36	1,078.62	3,279.74	1,186.52	2,093.22	1,001.29	1,091.93	4,071.23	984.79	3,086.44	1,037.85	2,048.59	1,096.25	952.34	4,254.45	1,305.87	2,948.58	1,092.78	1,855.80	907.09	948.71	3,532.74	3,106.51
Other administrative Exps	1,230.98	5,062.05	1,340.40	3,721.65	1,314.47	2,407.18	1,250.36	1,156.82	4,400.60	1,166.98	3,233.62	1,137.79	2,095.83	1,085.63	1,010.20	3,950.85	1,103.08	2,847.77	988.55	1,859.22	977.10	882.12	3,533.96	3,267.28
Total Operating Expenses	2,349.93	9,420.41	2,419.02	7,001.39	2,500.99	4,500.40	2,251.65	2,248.75	8,471.83	2,151.77	6,320.06	2,175.64	4,144.42	2,181.88	1,962.54	8,205.30	2,408.95	5,796.35	2,081.33	3,715.02	1,884.19	1,830.83	7,066.70	6,373.79
Profit before Tax and Provisions	2,167.81	10,837.50	3,043.38	7,794.12	1,917.31	5,876.81	3,522.77	2,354.04	11,078.60	3,194.81	7,883.79	2,801.93	5,081.86	3,006.33	2,075.53	9,592.04	2,175.11	7,416.94	2,326.55	5,090.39	2,071.67	3,018.72	8,735.83	7,265.93
--growth y-o-y	-7.91%	-2.18%	-4.74%	-1.14%	-31.57%	15.64%	17.18%	13.42%	15.50%	46.88%	6.29%	20.43%	-0.17%	45.12%	-31.24%	9.80%	-10.30%	17.53%	13.41%	19.51%	-6.16%	47.12%	20.23%	2.47%
--growth q-o-q	-28.77%	—	58.73%	—	-45.57%	—	49.65%	-26.32%	—	14.02%	—	-6.80%	—	44.85%	-4.58%	—	-6.51%	—	12.30%	—	-31.37%	24.48%	—	—
Provisions and contingencies
Provision for NPA	-522.01	-2,715.70	-1,148.21	-1,567.49	-603.39	-964.10	-578.80	-385.30	-4,367.63	-2,759.37	-1,608.26	-4.06	-1,604.20	-165.01	-1,439.19	-670.51	-692.92	22.41	-445.87	468.28	-113.07	581.35	-5,189.85	-588.02
Others	-114.86	1,627.35	1,433.52	193.83	61.81	132.02	-73.82	205.84	4,878.02	2,992.43	1,885.59	169.66	1,715.93	720.20	995.73	2,067.15	806.74	1,260.41	765.72	494.69	-114.39	609.08	8,687.71	4,245.33
Total Provisions	-636.87	-1,088.35	285.31	-1,373.66	-541.58	-832.08	-652.62	-179.46	510.39	233.06	277.33	165.60	111.73	555.19	-443.46	1,396.64	113.82	1,282.82	319.85	962.97	-227.46	1,190.43	3,497.86	3,657.31
Profit Before tax	2,804.68	11,925.85	2,758.07	9,167.78	2,458.89	6,708.89	4,175.39	2,533.50	10,568.21	2,961.75	7,606.46	2,636.33	4,970.13	2,451.14	2,518.99	8,195.40	2,061.29	6,134.12	2,006.70	4,127.42	2,299.13	1,828.29	5,237.97	3,608.62
Income Tax	689.50	2,412.51	814.90	1,597.61	523.44	1,074.17	548.03	526.14	3,053.03	910.57	2,142.46	728.05	1,414.41	614.69	799.72	2,561.32	432.83	2,128.49	548.52	1,579.97	975.86	604.11	1,592.89	1,169.35
effective tax rate	24.58%	20.23%	29.55%	17.43%	21.29%	16.01%	13.13%	20.77%	28.89%	30.74%	28.17%	27.62%	28.46%	25.08%	31.75%	31.25%	21.00%	34.70%	27.33%	38.28%	42.44%	33.04%	30.41%	32.40%
Net Profit	2,115.18	9,513.34	1,943.17	7,570.17	1,935.45	5,634.72	3,627.36	2,007.36	7,515.18	2,051.18	5,464.00	1,908.28	3,555.72	1,836.45	1,719.27	5,634.08	1,628.46	4,005.63	1,458.18	2,547.45	1,323.27	1,224.18	3,645.08	2,439.27
--growth y-o-y	5.37%	26.59%	-5.27%	38.55%	1.42%	58.47%	97.52%	16.76%	33.39%	25.96%	36.41%	30.87%	39.58%	38.78%	40.44%	54.57%	43.68%	59.48%	57.26%	60.78%	59.80%	61.85%	49.43%	79.43%
--growth q-o-q	8.85%	—	0.40%	—	-46.64%	—	80.70%	-2.14%	—	7.49%	—	3.91%	—	6.82%	5.58%	—	11.68%	—	10.20%	—	8.09%	8.01%	—	—
Capital & Key Ratios
Equity Share Capital	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40	10,752.40
Reserves	50,984.19	48,869.01	48,869.01	46,557.15	46,557.15	44,621.70	44,621.70	40,994.34	38,986.98	38,986.98	36,660.01	36,660.01	34,751.73	34,751.73	32,915.28	31,196.01	31,196.01	30,370.73	30,370.73	28,912.55	28,912.55	27,589.28	26,365.10	22,441.82
Govt Holding	45.48%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%	50.00%
Capital Adequacy Ratio	26.92%	26.65%	26.65%	24.63%	24.63%	25.39%	25.39%	25.39%	25.05%	25.05%	21.98%	21.98%	21.98%	21.98%	22.42%	22.26%	22.26%	20.32%	20.32%	21.26%	21.26%	20.33%	20.44%	19.06%
CET 1	26.38%	25.56%	25.56%	23.53%	23.53%	23.79%	23.79%	23.71%	23.51%	23.51%	19.91%	19.91%	19.89%	19.89%	20.26%	20.11%	20.11%	18.04%	18.04%	18.86%	18.86%	17.93%	18.08%	16.68%
Net Interest Margin (%)	3.61%	3.77%	4.15%	3.63%	3.52%	3.69%	3.71%	3.68%	4.56%	4.00%	4.75%	5.17%	4.53%	4.87%	4.18%	4.93%	4.91%	4.94%	4.72%	5.07%	4.33%	5.80%	4.52%	3.73%
Earning per share	1.97	8.85	1.81	7.04	1.80	5.24	3.37	1.87	6.99	1.91	5.08	1.77	3.31	1.71	1.60	5.24	1.51	3.73	1.36	2.37	1.23	1.14	3.39	2.27
DPS	—	18.55	—	—	—	—	—	—	2.10	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.00	0.00
Dividend Payout	—	209.66%	—	—	—	—	—	—	30.05%	—	—	—	—	—	—	28.63%	—	—	—	—	—	—	29.50%	0.00%
Cost to Income Ratio	52.02%	46.50%	44.28%	47.32%	56.61%	43.37%	38.99%	48.86%	43.33%	40.25%	44.50%	43.71%	44.92%	42.05%	48.60%	46.10%	52.55%	43.87%	47.22%	42.19%	47.63%	37.75%	44.72%	46.73%
Book value per share	57.42	55.45	55.45	53.30	53.30	51.50	51.50	48.13	46.26	46.26	44.09	44.09	42.32	42.32	40.61	39.01	39.01	38.25	38.25	36.89	36.89	35.66	34.52	30.87
Adj Book Value	57.14	55.20	55.20	53.02	53.02	51.19	51.19	47.83	46.04	46.04	43.86	43.86	42.06	42.06	40.32	38.59	38.59	37.86	37.86	36.47	36.47	35.18	33.55	29.66
Gross NPAs	6,089.65	6,028.12	6,028.12	6,280.94	6,280.94	6,242.00	6,242.00	6,384.61	6,695.15	6,695.15	7,634.75	7,634.75	7,653.13	7,653.13	7,795.42	8,916.84	8,916.84	8,589.40	8,589.40	8,645.23	8,645.23	8,762.51	10,969.29	34,114.83
Net NPAs	425.50	379.90	379.90	425.28	425.28	474.22	474.22	447.41	337.34	337.34	365.46	365.46	401.60	401.60	453.57	643.83	643.83	593.34	593.34	651.01	651.01	730.60	1,494.74	1,863.51
% of Gross NPAs	2.30%	2.32%	2.32%	2.57%	2.57%	2.65%	2.65%	2.93%	2.98%	2.98%	3.57%	3.57%	3.68%	3.68%	3.87%	4.53%	4.53%	4.69%	4.69%	4.90%	4.90%	5.05%	6.38%	20.16%
% of Net NPAs	0.16%	0.15%	0.15%	0.18%	0.18%	0.21%	0.21%	0.21%	0.15%	0.15%	0.18%	0.18%	0.20%	0.20%	0.23%	0.34%	0.34%	0.34%	0.34%	0.39%	0.39%	0.44%	0.92%	1.36%
Return on Assets	1.89%	2.27%	1.75%	2.46%	1.83%	2.78%	3.55%	2.01%	1.98%	2.11%	1.93%	1.99%	1.90%	1.97%	1.83%	1.65%	1.82%	1.60%	1.70%	1.54%	1.59%	1.49%	1.20%	0.84%
PCR without Tech W/off (%)	93.01%	93.70%	93.70%	93.23%	93.23%	92.40%	92.40%	92.99%	94.96%	94.96%	95.21%	95.21%	94.75%	94.75%	94.18%	92.78%	92.78%	93.09%	93.09%	92.47%	92.47%	91.66%	86.37%	94.54%
Business Numbers (Rs. Crores)
Business	584,724.74	600,789.00	600,789.00	546,643.35	546,643.35	533,730.34	533,730.34	508,775.43	528,692.71	528,692.71	489,245.33	489,245.33	478,546.70	478,546.70	471,573.77	466,277.83	466,277.83	433,525.90	433,525.90	417,982.97	417,982.97	410,374.39	418,066.67	370,089.65
Net Advances	258,968.02	253,626.00	253,626.00	238,785.71	238,785.71	230,219.92	230,219.92	211,907.21	218,399.16	218,399.16	206,806.65	206,806.65	200,944.27	200,944.27	194,025.79	188,620.61	188,620.61	175,000.96	175,000.96	168,501.73	168,501.73	165,403.09	162,567.73	136,955.23
- Net Advances Growth YoY	22.21%	16.13%	16.13%	15.46%	15.46%	14.57%	14.57%	9.22%	15.79%	15.79%	18.17%	18.17%	19.25%	19.25%	17.30%	16.03%	16.03%	18.07%	18.07%	14.82%	14.82%	19.82%	18.70%	6.87%
Deposits	325,756.72	347,163.00	347,163.00	307,857.64	307,857.64	303,510.42	303,510.42	296,868.22	310,293.55	310,293.55	282,438.68	282,438.68	277,602.43	277,602.43	277,547.98	277,657.22	277,657.22	258,524.94	258,524.94	249,481.24	249,481.24	244,971.30	255,498.94	233,134.42
- Deposit Growth YoY	9.73%	11.88%	11.88%	9.00%	9.00%	9.33%	9.33%	6.96%	11.75%	11.75%	9.25%	9.25%	11.27%	11.27%	13.30%	8.67%	8.67%	11.11%	11.11%	8.32%	8.32%	8.75%	9.59%	0.97%
--Savings deposits	90,808.00	91,059.00	91,059.00	86,441.00	86,441.00	85,151.00	85,151.00	82,805.00	82,372.00	82,372.00	83,080.00	83,080.00	78,709.00	78,709.00	89,962.00	91,013.00	91,013.00	85,780.00	85,780.00	84,093.00	84,093.00	83,987.00	86,499.00	86,804.00
--Current deposits	51,354.00	63,757.00	63,757.00	49,191.00	49,191.00	53,885.00	53,885.00	49,748.00	62,108.00	62,108.00	47,819.00	47,819.00	54,930.00	54,930.00	44,848.00	49,014.00	49,014.00	43,182.00	43,182.00	44,371.00	44,371.00	44,882.00	48,956.00	45,555.00
CASA	142,162.00	154,816.00	154,816.00	135,632.00	135,632.00	139,036.00	139,036.00	132,553.00	144,480.00	144,480.00	130,899.00	130,899.00	133,639.00	133,639.00	134,810.00	140,027.00	140,027.00	128,962.00	128,962.00	128,464.00	128,464.00	128,869.00	135,455.00	132,359.00
-- % of total Deposits	43.64%	44.59%	44.59%	44.06%	44.06%	45.81%	45.81%	44.65%	46.56%	46.56%	46.35%	46.35%	48.14%	48.14%	48.57%	50.43%	50.43%	49.88%	49.88%	51.49%	51.49%	52.61%	53.02%	56.77%
Cost Ratios as % of Total Income
Interest / Discount on advances	69.37%	66.91%	64.62%	67.76%	68.05%	67.61%	67.28%	67.96%	66.52%	67.64%	66.17%	61.73%	68.63%	70.65%	66.37%	68.00%	68.12%	67.96%	66.17%	68.87%	66.59%	70.87%	64.84%	66.14%
Income on Investments	26.82%	28.25%	27.43%	28.55%	27.67%	28.98%	29.03%	28.94%	28.56%	29.74%	28.19%	26.39%	29.18%	27.18%	31.42%	29.28%	29.58%	29.17%	30.65%	28.42%	31.03%	26.13%	28.92%	25.30%
Interest on bal with RBI and others	3.41%	3.33%	3.60%	3.22%	3.70%	2.98%	3.28%	2.68%	1.44%	1.90%	1.29%	1.02%	1.43%	1.63%	1.22%	1.29%	1.22%	1.33%	0.69%	1.65%	1.27%	1.99%	2.52%	3.29%
Others	0.40%	1.51%	4.34%	0.47%	0.58%	0.42%	0.41%	0.42%	3.48%	0.72%	4.36%	10.86%	0.76%	0.54%	0.99%	1.43%	1.08%	1.54%	2.49%	1.06%	1.11%	1.01%	3.73%	5.27%
Other income	13.68%	23.27%	20.66%	24.22%	17.09%	27.80%	35.04%	20.47%	17.04%	29.47%	13.08%	9.59%	15.01%	17.64%	12.08%	13.66%	12.82%	13.97%	14.88%	13.50%	14.74%	12.42%	21.25%	24.47%
Total Interest Expense	53.77%	53.40%	50.61%	54.43%	54.63%	54.33%	53.76%	54.91%	49.39%	52.86%	48.29%	45.90%	49.61%	47.92%	51.50%	46.32%	47.24%	45.98%	47.49%	45.22%	49.19%	41.73%	44.43%	49.92%
Net Interest Income	46.23%	46.60%	49.39%	45.57%	45.37%	45.67%	46.24%	45.09%	50.61%	47.14%	51.71%	54.10%	50.39%	52.08%	48.50%	53.68%	52.76%	54.02%	52.51%	54.78%	50.81%	58.27%	55.57%	50.08%
Wages	14.84%	15.03%	13.83%	15.47%	16.77%	14.82%	14.09%	15.55%	14.09%	14.11%	14.08%	13.28%	14.52%	14.73%	14.29%	16.10%	18.68%	15.17%	16.71%	14.39%	15.03%	13.83%	17.17%	16.98%
Other administrative Exps	16.32%	17.46%	17.19%	17.56%	18.58%	17.04%	17.60%	16.48%	15.23%	16.72%	14.75%	14.56%	14.86%	14.59%	15.15%	14.95%	15.78%	14.65%	15.11%	14.42%	16.19%	12.86%	17.18%	17.86%
Total Operating Expenses	31.16%	32.49%	31.02%	33.03%	35.36%	31.86%	31.69%	32.03%	29.31%	30.83%	28.83%	27.84%	29.38%	29.32%	29.44%	31.05%	34.46%	29.82%	31.82%	28.81%	31.22%	26.69%	34.35%	34.84%
Profit before Tax and Provisions	28.75%	37.37%	39.03%	36.77%	27.11%	41.61%	49.59%	33.53%	38.33%	45.78%	35.96%	35.85%	36.02%	40.40%	31.14%	36.30%	31.12%	38.16%	35.57%	39.48%	34.33%	44.00%	42.47%	39.71%
Provisions and contingencies	-1.52%	5.61%	18.38%	0.91%	0.87%	0.93%	-1.04%	2.93%	16.88%	42.88%	8.60%	2.17%	12.16%	9.68%	14.94%	7.82%	11.54%	6.49%	11.71%	3.84%	-1.90%	8.88%	42.24%	23.20%
PBT	37.19%	41.13%	35.37%	43.25%	34.76%	47.50%	58.77%	36.08%	36.57%	42.44%	34.70%	33.73%	35.23%	32.94%	37.79%	31.01%	29.49%	31.56%	30.68%	32.01%	38.10%	26.65%	25.46%	19.72%
Income Tax	9.14%	8.32%	10.45%	7.54%	7.40%	7.60%	7.71%	7.49%	10.56%	13.05%	9.77%	9.32%	10.03%	8.26%	12.00%	9.69%	6.19%	10.95%	8.39%	12.25%	16.17%	8.81%	7.74%	6.39%
PAT	28.05%	32.81%	24.92%	35.71%	27.36%	39.89%	51.06%	28.59%	26.00%	29.39%	24.92%	24.42%	25.20%	24.68%	25.79%	21.32%	23.30%	20.61%	22.29%	19.76%	21.93%	17.85%	17.72%	13.33%

IDFC

IDFC First Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	9,438.45	34,198.63	8,967.01	25,231.62	8,775.78	16,455.84	8,319.52	8,136.32	30,834.52	7,971.20	22,863.32	7,915.12	14,948.20	7,581.00	7,367.20	25,915.89	6,999.46	18,916.43	6,747.47	12,168.96	6,324.64	5,844.32	19,159.38	14,174.00
Income on Investments	1,475.18	5,949.65	1,512.04	4,437.61	1,526.43	2,911.18	1,479.02	1,432.16	5,317.39	1,394.50	3,922.89	1,313.54	2,609.35	1,281.76	1,327.59	4,117.69	1,173.04	2,944.65	1,035.36	1,909.29	967.52	941.77	3,232.20	2,615.37
Interest on bal with RBI and others	61.09	130.96	37.68	93.28	34.22	59.06	34.38	24.68	114.55	28.20	86.35	29.20	57.15	33.29	23.86	93.64	22.47	71.17	20.69	50.48	21.46	29.02	148.37	241.24
Others	76.37	269.58	36.04	233.54	80.59	152.95	103.97	48.98	235.03	19.04	215.99	85.16	130.83	60.88	69.95	195.28	24.24	171.04	75.88	95.16	42.55	52.61	187.59	142.06
Total Fund based income	11,051.09	40,548.82	10,552.77	29,996.05	10,417.02	19,579.03	9,936.89	9,642.14	36,501.49	9,412.94	27,088.55	9,343.02	17,745.53	8,956.93	8,788.60	30,322.50	8,219.21	22,103.29	7,879.40	14,223.89	7,356.17	6,867.72	22,727.54	17,172.68
--growth y-o-y	14.61%	11.09%	12.11%	10.73%	11.50%	10.33%	10.94%	9.71%	20.38%	14.52%	22.55%	18.58%	24.76%	21.76%	27.97%	33.42%	27.94%	35.58%	33.28%	36.88%	34.49%	39.54%	32.35%	9.20%
--growth q-o-q	4.72%	—	1.30%	—	4.83%	—	3.06%	2.43%	—	0.75%	—	4.31%	—	1.92%	6.93%	—	4.31%	—	7.11%	—	7.11%	6.90%	—	—
Other Income	2,309.43	7,873.29	1,630.04	6,243.25	2,124.97	4,118.28	1,891.45	2,226.83	7,021.71	1,895.41	5,126.30	1,779.85	3,346.45	1,727.30	1,619.15	6,002.00	1,642.00	4,360.00	1,516.55	2,843.45	1,429.63	1,413.82	4,466.97	3,228.35
Total Income	13,360.52	48,422.11	12,182.81	36,239.30	12,541.99	23,697.31	11,828.34	11,868.97	43,523.20	11,308.35	32,214.85	11,122.87	21,091.98	10,684.23	10,407.75	36,324.50	9,861.21	26,463.29	9,395.95	17,067.34	8,785.80	8,281.54	27,194.51	20,401.02
Total Interest Expense	5,078.69	19,333.55	4,875.58	14,457.97	4,924.58	9,533.39	4,824.33	4,709.06	17,209.52	4,505.78	12,703.74	4,440.96	8,262.78	4,169.08	4,093.70	13,871.75	3,750.34	10,121.41	3,592.83	6,528.58	3,405.98	3,122.60	10,092.21	7,466.52
--growth y-o-y	7.85%	12.34%	8.21%	13.81%	10.89%	15.38%	15.72%	15.03%	24.06%	20.14%	25.51%	23.61%	26.56%	22.40%	31.10%	37.45%	32.63%	39.32%	36.79%	40.76%	38.03%	43.86%	35.17%	-13.05%
--growth q-o-q	4.17%	—	-1.00%	—	2.08%	—	2.45%	4.51%	—	1.46%	—	6.52%	—	1.84%	9.16%	—	4.38%	—	5.49%	—	9.08%	10.43%	—	—
Net Interest Income	5,972.40	21,215.27	5,677.19	15,538.08	5,492.44	10,045.64	5,112.56	4,933.08	19,291.97	4,907.16	14,384.81	4,902.06	9,482.75	4,787.85	4,694.90	16,450.75	4,468.87	11,981.88	4,286.57	7,695.31	3,950.19	3,745.12	12,635.33	9,706.15
--growth y-o-y	21.07%	9.97%	15.69%	8.02%	12.04%	5.94%	6.78%	5.07%	17.27%	9.81%	20.05%	14.36%	23.23%	21.21%	25.36%	30.20%	24.25%	32.56%	30.48%	33.76%	31.58%	36.13%	30.18%	35.97%
--growth q-o-q	5.20%	—	3.36%	—	7.43%	—	3.64%	0.53%	—	0.10%	—	2.39%	—	1.98%	5.06%	—	4.25%	—	8.52%	—	5.48%	4.13%	—	—
Operating Expenses
Employee Cost	1,696.19	6,181.93	1,594.25	4,587.68	1,601.98	2,985.70	1,490.09	1,495.61	5,709.90	1,528.15	4,181.75	1,420.33	2,761.42	1,424.07	1,337.35	4,892.53	1,328.01	3,564.52	1,221.67	2,342.85	1,190.10	1,152.75	3,742.23	2,696.54
Rents taxes & lightning	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	0.00
Professional fees	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	0.00
Depereciation on banks property	—	0.00	—	0.00	—	—	—	—	0.00	—	0.00	—	—	—	—	0.00	—	0.00	—	—	—	—	0.00	0.00
Other administrative Exps	4,033.07	15,695.27	4,654.44	11,040.83	3,982.08	7,058.75	3,633.82	3,424.93	13,188.93	3,462.81	9,726.12	3,502.64	6,223.48	3,129.23	3,094.25	11,323.25	3,118.95	8,204.30	3,018.98	5,185.32	2,679.47	2,505.85	8,428.12	6,947.91
Total Operating Expenses	5,729.26	21,877.20	6,248.69	15,628.51	5,584.06	10,044.45	5,123.91	4,920.54	18,898.83	4,990.96	13,907.87	4,922.97	8,984.90	4,553.30	4,431.60	16,215.78	4,446.96	11,768.82	4,240.65	7,528.17	3,869.57	3,658.60	12,170.35	9,644.45
Profit before Tax and Provisions	2,552.57	7,211.36	1,058.54	6,152.82	2,033.35	4,119.47	1,880.10	2,239.37	7,414.85	1,811.61	5,603.24	1,758.94	3,844.30	1,961.85	1,882.45	6,236.97	1,663.91	4,573.06	1,562.47	3,010.59	1,510.25	1,500.34	4,931.95	3,290.05
--growth y-o-y	13.99%	-2.74%	-41.57%	9.81%	15.60%	7.16%	-4.17%	18.96%	18.89%	8.88%	22.53%	12.57%	27.69%	29.90%	25.47%	26.46%	6.75%	35.57%	23.93%	42.51%	29.22%	58.96%	49.90%	29.49%
--growth q-o-q	141.14%	—	-47.94%	—	8.15%	—	-16.04%	23.61%	—	2.99%	—	-10.34%	—	4.22%	13.13%	—	6.49%	—	3.46%	—	0.66%	-3.74%	—	—
Provisions and contingencies
Provision for NPA	—	0.00	0.00	0.00	0.00	0.00	—	—	0.00	0.00	0.00	0.00	0.00	—	—	0.00	0.00	0.00	0.00	0.00	—	—	0.00	0.00
Others	1,143.88	5,378.55	869.24	4,509.31	1,398.31	3,111.00	1,451.88	1,659.12	5,514.73	1,450.47	4,064.26	1,337.92	2,726.34	1,731.94	994.40	2,381.65	722.31	1,659.34	654.81	1,004.53	528.36	476.17	1,664.82	3,114.88
Total Provisions	1,143.88	5,378.55	869.24	4,509.31	1,398.31	3,111.00	1,451.88	1,659.12	5,514.73	1,450.47	4,064.26	1,337.92	2,726.34	1,731.94	994.40	2,381.65	722.31	1,659.34	654.81	1,004.53	528.36	476.17	1,664.82	3,114.88
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before tax	1,408.69	1,832.81	189.30	1,643.51	635.04	1,008.47	428.22	580.25	1,900.12	361.14	1,538.98	421.02	1,117.96	229.91	888.05	3,855.32	941.60	2,913.72	907.66	2,006.06	981.89	1,024.17	3,267.13	175.17
Income Tax	333.73	196.45	-129.64	326.09	132.50	193.59	75.91	117.68	375.27	57.06	318.21	81.59	236.62	29.22	207.40	898.81	217.25	681.56	191.98	489.58	230.57	259.01	830.00	29.68
effective tax rate	23.69%	10.72%	-68.48%	19.84%	20.86%	19.20%	17.73%	20.28%	19.75%	15.80%	20.68%	19.38%	21.17%	12.71%	23.35%	23.31%	23.07%	23.39%	21.15%	24.41%	23.48%	25.29%	25.40%	16.95%
Net Profit	1,074.96	1,636.36	318.94	1,317.42	502.54	814.88	352.31	462.57	1,524.85	304.08	1,220.77	339.43	881.34	200.69	680.65	2,956.51	724.35	2,232.16	715.68	1,516.48	751.32	765.16	2,437.13	145.49
--growth y-o-y	132.39%	7.31%	4.89%	7.92%	48.05%	-7.54%	75.55%	-32.04%	-48.42%	-58.02%	-45.31%	-52.57%	-41.88%	-73.29%	-11.04%	21.31%	-9.75%	36.56%	18.37%	47.25%	35.23%	61.31%	15.80%	-67.83%
--growth q-o-q	237.04%	—	-36.53%	—	42.64%	—	-23.84%	52.12%	—	-10.41%	—	69.13%	—	-70.51%	-6.03%	—	1.21%	—	-4.74%	—	-1.81%	-4.67%	—	—
Capital & Key Ratios
Equity Share Capital	8,614.74	8,601.70	8,601.70	8,595.69	8,595.69	7,339.26	7,339.26	7,334.33	7,322.11	7,322.11	7,320.05	7,320.05	7,482.73	7,482.73	7,081.12	7,069.92	7,069.92	7,066.82	7,066.82	6,722.45	6,722.45	6,628.18	6,618.12	6,217.71
Reserves	39,537.23	38,462.27	38,462.27	31,583.45	31,583.45	28,413.40	28,413.40	31,069.74	30,607.17	30,607.17	31,276.87	31,276.87	28,269.93	28,269.93	25,713.11	25,032.46	25,032.46	23,965.60	23,965.60	20,582.41	20,582.41	19,831.09	19,065.93	14,769.65
Capital Adequacy Ratio	15.05%	15.60%	15.60%	15.84%	15.84%	14.11%	14.11%	14.86%	15.48%	15.48%	15.65%	15.65%	16.01%	16.01%	15.59%	16.11%	16.11%	16.73%	16.73%	16.54%	16.54%	16.96%	16.82%	16.74%
Earning per share	1.25	1.90	0.37	1.53	0.58	1.11	0.48	0.63	2.08	0.42	1.67	0.46	1.18	0.27	0.96	4.18	1.02	3.16	1.01	2.26	1.12	1.15	3.68	0.23
DPS	—	0.25	—	—	—	—	—	—	0.25	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
Dividend Payout	—	13.14%	—	—	—	—	—	—	12.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	69.18%	75.21%	85.51%	71.75%	73.31%	70.92%	73.16%	68.72%	71.82%	73.37%	71.28%	73.68%	70.03%	69.89%	70.19%	72.22%	72.77%	72.02%	73.08%	71.43%	71.93%	70.92%	71.16%	74.56%
Book value per share	55.89	54.71	54.71	46.74	46.74	48.71	48.71	52.36	51.80	51.80	52.73	52.73	47.78	47.78	46.31	45.41	45.41	43.91	43.91	40.62	40.62	39.92	38.81	33.75
Adj Book Value	54.85	53.62	53.62	45.58	45.58	47.43	47.43	51.08	50.63	50.63	51.62	51.62	46.81	46.81	45.13	44.26	44.26	42.67	42.67	39.38	39.38	38.71	37.43	31.72
Gross NPAs	4,509.79	4,558.52	4,558.52	4,614.14	4,614.14	4,840.87	4,840.87	4,867.46	4,433.58	4,433.58	4,399.32	4,399.32	4,195.19	4,195.19	3,904.20	3,718.36	3,718.36	3,775.39	3,775.39	3,747.80	3,747.80	3,603.38	3,884.45	4,469.13
Net NPAs	1,286.22	1,346.44	1,346.44	1,426.91	1,426.91	1,345.35	1,345.35	1,346.07	1,229.92	1,229.92	1,161.96	1,161.96	1,037.61	1,037.61	1,195.28	1,160.46	1,160.46	1,250.34	1,250.34	1,192.50	1,192.50	1,149.03	1,304.05	1,808.07
% of Gross NPAs	1.51%	1.61%	1.61%	1.69%	1.69%	1.86%	1.86%	1.97%	1.87%	1.87%	1.94%	1.94%	1.92%	1.92%	1.90%	1.88%	1.88%	2.04%	2.04%	2.11%	2.11%	2.17%	2.51%	3.70%
% of Net NPAs	0.44%	0.48%	0.48%	0.53%	0.53%	0.52%	0.52%	0.55%	0.53%	0.53%	0.52%	0.52%	0.48%	0.48%	0.59%	0.60%	0.60%	0.68%	0.68%	0.68%	0.68%	0.70%	0.86%	1.53%
Return on Assets	1.05%	0.44%	0.33%	0.47%	0.51%	0.45%	0.38%	0.53%	0.48%	0.36%	0.51%	0.41%	0.57%	0.25%	0.91%	1.10%	1.03%	1.16%	1.06%	1.21%	1.16%	1.26%	1.13%	0.08%
PCR without Tech W/off (%)	71.48%	70.46%	70.46%	69.08%	69.08%	72.21%	72.21%	72.35%	72.26%	72.26%	73.59%	73.59%	75.27%	75.27%	69.38%	68.79%	68.79%	66.88%	66.88%	68.18%	68.18%	68.11%	66.43%	59.54%
Business Numbers (Rs. Crores)
Business	606,372.68	574,865.15	574,865.15	561,121.13	561,121.13	533,871.98	533,871.98	508,650.14	485,177.78	485,177.78	459,981.71	459,981.71	438,668.04	438,668.04	412,234.40	395,168.68	395,168.68	364,818.01	364,818.01	339,539.78	339,539.78	315,848.00	296,431.84	223,492.16
Net Advances	294,480.79	280,390.60	280,390.60	269,987.75	269,987.75	257,100.66	257,100.66	243,678.87	233,112.53	233,112.53	223,103.93	223,103.93	215,061.31	215,061.31	202,568.08	194,592.37	194,592.37	182,268.94	182,268.94	174,813.78	174,813.78	167,374.00	151,794.53	117,857.80
- Net Advances Growth YoY	20.85%	20.28%	20.28%	21.01%	21.01%	19.55%	19.55%	20.29%	19.80%	19.80%	22.40%	22.40%	23.02%	23.02%	21.03%	28.19%	28.19%	19.79%	19.79%	29.72%	29.72%	26.27%	28.79%	17.21%
Deposits	311,891.89	294,474.55	294,474.55	291,133.38	291,133.38	276,771.32	276,771.32	264,971.27	252,065.25	252,065.25	236,877.78	236,877.78	223,606.73	223,606.73	209,666.32	200,576.31	200,576.31	182,549.07	182,549.07	164,726.00	164,726.00	148,474.00	144,637.31	105,634.36
- Deposit Growth YoY	17.71%	16.82%	16.82%	22.90%	22.90%	23.78%	23.78%	26.38%	25.67%	25.67%	29.76%	29.76%	35.74%	35.74%	41.21%	38.68%	38.68%	47.72%	47.72%	33.44%	33.44%	30.99%	36.92%	19.11%
CASA	158,492.00	146,650.00	146,650.00	150,350.00	150,350.00	138,583.00	138,583.00	127,158.00	118,237.00	118,237.00	113,078.00	113,078.00	109,292.00	109,292.00	97,692.00	94,768.00	94,768.00	85,492.00	85,492.00	79,468.00	79,468.00	71,765.00	71,983.00	51,170.00
-- % of total Deposits	50.82%	49.80%	49.80%	51.64%	51.64%	50.07%	50.07%	47.99%	46.91%	46.91%	47.74%	47.74%	48.88%	48.88%	46.59%	47.25%	47.25%	46.80%	46.80%	46.40%	46.40%	46.50%	49.77%	48.44%
Cost Ratios as % of Total Income
Interest / Discount on advances	85.41%	84.34%	84.97%	84.12%	84.24%	84.05%	83.72%	84.38%	84.47%	84.68%	84.40%	84.72%	84.24%	84.64%	83.83%	85.47%	85.16%	85.58%	85.63%	85.55%	85.98%	85.10%	84.30%	82.54%
Income on Investments	13.35%	14.67%	14.33%	14.79%	14.65%	14.87%	14.88%	14.85%	14.57%	14.81%	14.48%	14.06%	14.70%	14.31%	15.11%	13.58%	14.27%	13.32%	13.14%	13.42%	13.15%	13.71%	14.22%	15.23%
Interest on bal with RBI and others	0.55%	0.32%	0.36%	0.31%	0.33%	0.30%	0.35%	0.26%	0.31%	0.30%	0.32%	0.31%	0.32%	0.37%	0.27%	0.31%	0.27%	0.32%	0.26%	0.35%	0.29%	0.42%	0.65%	1.40%
Others	0.69%	0.66%	0.34%	0.78%	0.77%	0.78%	1.05%	0.51%	0.64%	0.20%	0.80%	0.91%	0.74%	0.68%	0.80%	0.64%	0.29%	0.77%	0.96%	0.67%	0.58%	0.77%	0.83%	0.83%
Other income	20.90%	19.42%	15.45%	20.81%	20.40%	21.03%	19.03%	23.09%	19.24%	20.14%	18.92%	19.05%	18.86%	19.28%	18.42%	19.79%	19.98%	19.73%	19.25%	19.99%	19.43%	20.59%	19.65%	18.80%
Total Interest Expense	45.96%	47.68%	46.20%	48.20%	47.27%	48.69%	48.55%	48.84%	47.15%	47.87%	46.90%	47.53%	46.56%	46.55%	46.58%	45.75%	45.63%	45.79%	45.60%	45.90%	46.30%	45.47%	44.41%	43.48%
Net Interest Income	54.04%	52.32%	53.80%	51.80%	52.73%	51.31%	51.45%	51.16%	52.85%	52.13%	53.10%	52.47%	53.44%	53.45%	53.42%	54.25%	54.37%	54.21%	54.40%	54.10%	53.70%	54.53%	55.59%	56.52%
Wages	15.35%	15.25%	15.11%	15.29%	15.38%	15.25%	15.00%	15.51%	15.64%	16.23%	15.44%	15.20%	15.56%	15.90%	15.22%	16.13%	16.16%	16.13%	15.50%	16.47%	16.18%	16.79%	16.47%	15.70%
Other administrative Exps	36.49%	38.71%	44.11%	36.81%	38.23%	36.05%	36.57%	35.52%	36.13%	36.79%	35.90%	37.49%	35.07%	34.94%	35.21%	37.34%	37.95%	37.12%	38.31%	36.46%	36.42%	36.49%	37.08%	40.46%
Total Operating Expenses	51.84%	53.95%	59.21%	52.10%	53.61%	51.30%	51.56%	51.03%	51.78%	53.02%	51.34%	52.69%	50.63%	50.84%	50.42%	53.48%	54.10%	53.24%	53.82%	52.93%	52.60%	53.27%	53.55%	56.16%
Profit before Tax and Provisions	23.10%	17.78%	10.03%	20.51%	19.52%	21.04%	18.92%	23.22%	20.31%	19.25%	20.68%	18.83%	21.66%	21.90%	21.42%	20.57%	20.24%	20.69%	19.83%	21.17%	20.53%	21.85%	21.70%	19.16%
Provisions and contingencies	10.35%	13.26%	8.24%	15.03%	13.42%	15.89%	14.61%	17.21%	15.11%	15.41%	15.00%	14.32%	15.36%	19.34%	11.31%	7.85%	8.79%	7.51%	8.31%	7.06%	7.18%	6.93%	7.33%	18.14%
PBT	12.75%	4.52%	1.79%	5.48%	6.10%	5.15%	4.31%	6.02%	5.21%	3.84%	5.68%	4.51%	6.30%	2.57%	10.10%	12.71%	11.46%	13.18%	11.52%	14.10%	13.35%	14.91%	14.38%	1.02%
Income Tax	3.02%	0.48%	-1.23%	1.09%	1.27%	0.99%	0.76%	1.22%	1.03%	0.61%	1.17%	0.87%	1.33%	0.33%	2.36%	2.96%	2.64%	3.08%	2.44%	3.44%	3.13%	3.77%	3.65%	0.17%
PAT	9.73%	4.04%	3.02%	4.39%	4.82%	4.16%	3.55%	4.80%	4.18%	3.23%	4.51%	3.63%	4.97%	2.24%	7.74%	9.75%	8.81%	10.10%	9.08%	10.66%	10.21%	11.14%	10.72%	0.85%

Indus

IndusInd Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	8,707.26	36,380.45	8,603.95	27,776.50	8,932.32	18,844.18	9,193.62	9,650.56	39,591.15	8,339.82	31,251.33	10,493.24	20,758.09	10,406.12	10,351.97	38,119.31	10,208.81	27,910.50	9,694.47	18,216.03	9,378.86	8,837.17	29,944.52	25,143.44
Income on Investments	1,897.96	7,910.39	2,032.79	5,877.60	2,028.70	3,848.90	1,954.53	1,894.37	7,663.03	1,997.96	5,665.07	2,005.73	3,659.34	1,857.03	1,802.31	6,202.19	1,653.05	4,549.14	1,589.19	2,959.95	1,560.16	1,399.79	4,691.63	4,052.88
Interest on bal with RBI and others	270.91	1,364.93	224.39	1,140.54	177.86	962.68	390.38	572.30	1,206.61	242.25	964.36	248.50	715.86	371.57	344.29	1,157.07	288.45	868.62	235.95	632.67	254.24	378.43	1,442.29	1,288.36
Others	433.81	595.04	144.29	450.75	234.00	216.75	70.10	146.65	206.88	53.82	153.06	53.30	99.76	51.56	48.20	269.64	48.22	221.42	52.64	168.78	54.52	114.26	289.47	337.76
Total Fund based income	11,309.94	46,250.81	11,005.42	35,245.39	11,372.88	23,872.51	11,608.63	12,263.88	48,667.67	10,633.85	38,033.82	12,800.77	25,233.05	12,686.28	12,546.77	45,748.21	12,198.53	33,549.68	11,572.25	21,977.43	11,247.78	10,729.65	36,367.91	30,822.44
--growth y-o-y	-7.78%	-4.97%	3.49%	-7.33%	-11.15%	-5.39%	-8.49%	-2.25%	6.38%	-12.83%	13.37%	10.62%	14.81%	12.79%	16.94%	25.79%	21.73%	27.34%	22.36%	30.12%	29.17%	31.14%	17.99%	6.29%
--growth q-o-q	2.77%	—	-3.23%	—	-2.03%	—	-5.34%	15.33%	—	-16.93%	—	0.90%	—	1.11%	2.85%	—	5.41%	—	2.88%	—	4.83%	7.07%	—	—
Other Income	1,785.36	7,217.06	1,706.35	5,510.71	1,706.51	3,804.20	1,647.96	2,156.24	7,684.19	708.80	6,975.39	2,350.24	4,625.15	2,183.90	2,441.25	9,387.85	2,500.48	6,887.37	2,395.85	4,491.52	2,281.75	2,209.77	8,166.37	7,343.67
Total Income	13,095.30	53,467.87	12,711.77	40,756.10	13,079.39	27,676.71	13,256.59	14,420.12	56,351.86	11,342.65	45,009.21	15,151.01	29,858.20	14,870.18	14,988.02	55,136.06	14,699.01	40,437.05	13,968.10	26,468.95	13,529.53	12,939.42	44,534.28	38,166.11
Total Interest Expense	6,625.22	28,268.49	6,633.94	21,634.55	6,811.23	14,823.32	7,199.26	7,624.06	29,636.35	7,585.51	22,050.84	7,572.68	14,478.16	7,339.02	7,139.14	25,132.29	6,822.08	18,310.21	6,276.62	12,033.59	6,171.05	5,862.54	18,775.80	15,821.60
--growth y-o-y	-13.10%	-4.62%	-12.54%	-1.89%	-10.06%	2.38%	-1.90%	6.79%	17.92%	11.19%	20.43%	20.65%	20.31%	18.93%	21.78%	33.85%	27.49%	36.39%	26.49%	42.20%	40.06%	44.52%	18.67%	2.26%
--growth q-o-q	-0.13%	—	-2.60%	—	-5.39%	—	-5.57%	0.51%	—	0.17%	—	3.18%	—	2.80%	4.65%	—	8.69%	—	1.71%	—	5.26%	9.55%	—	—
Net Interest Income	4,684.72	17,982.32	4,371.48	13,610.84	4,561.65	9,049.19	4,409.37	4,639.82	19,031.32	3,048.34	15,982.98	5,228.09	10,754.89	5,347.26	5,407.63	20,615.92	5,376.45	15,239.47	5,295.63	9,943.84	5,076.73	4,867.11	17,592.11	15,000.84
--growth y-o-y	0.97%	-5.51%	43.41%	-14.84%	-12.75%	-15.86%	-17.54%	-14.20%	-7.69%	-43.30%	4.88%	-1.28%	8.16%	5.33%	11.11%	17.19%	15.14%	17.93%	17.80%	18.00%	18.01%	17.98%	17.27%	10.89%
--growth q-o-q	7.17%	—	-4.17%	—	3.45%	—	-4.97%	52.21%	—	-41.69%	—	-2.23%	—	-1.12%	0.58%	—	1.53%	—	4.31%	—	4.31%	4.23%	—	—
Operating Expenses
Employee Cost	1,370.70	5,391.72	1,310.93	4,080.79	1,517.88	2,562.91	1,267.14	1,295.77	4,301.37	1,099.50	3,201.87	1,069.54	2,132.33	1,092.68	1,039.65	3,895.28	1,049.11	2,846.17	1,026.69	1,819.48	956.60	862.88	3,030.52	3,473.54
Other administrative Exps	2,416.22	10,605.45	2,551.61	8,053.84	2,443.52	5,610.32	2,762.19	2,848.13	11,769.28	3,130.15	8,639.13	2,909.88	5,729.25	2,846.71	2,882.54	10,368.21	2,800.71	7,567.50	2,662.57	4,904.93	2,520.99	2,383.94	8,381.48	5,837.17
Total Operating Expenses	3,786.92	15,997.17	3,862.54	12,134.63	3,961.40	8,173.23	4,029.33	4,143.90	16,070.65	4,229.65	11,841.00	3,979.42	7,861.58	3,939.39	3,922.19	14,263.49	3,849.82	10,413.67	3,689.26	6,724.41	3,477.59	3,246.82	11,412.00	9,310.71
Profit Before Tax and Provisions	2,683.16	9,202.21	2,215.29	6,986.92	2,306.76	4,680.16	2,028.00	2,652.16	10,644.86	-472.51	11,117.37	3,598.91	7,518.46	3,591.77	3,926.69	15,740.28	4,027.11	11,713.17	4,002.22	7,710.95	3,880.89	3,830.06	14,346.48	13,033.80
--growth y-o-y	1.17%	-13.55%	—	-37.15%	-35.90%	-37.75%	-43.54%	-32.46%	-32.37%	—	-5.09%	-10.08%	-2.50%	-7.45%	2.52%	9.72%	7.31%	10.50%	8.57%	11.54%	10.26%	12.86%	10.07%	11.15%
--growth q-o-q	21.12%	—	-3.97%	—	13.75%	—	-23.53%	—	—	—	—	0.20%	—	-8.53%	-2.49%	—	0.62%	—	3.13%	—	1.33%	2.06%	—	—
Provisions and contingencies
Others	1,339.92	7,933.10	1,484.34	6,448.76	2,088.60	4,360.16	2,622.38	1,737.78	7,030.08	2,416.51	4,613.57	1,743.63	2,869.94	1,820.10	1,049.84	3,798.74	899.11	2,899.63	934.23	1,965.40	973.83	991.57	4,486.82	6,602.10
Total Provisions	1,339.92	7,933.10	1,484.34	6,448.76	2,088.60	4,360.16	2,622.38	1,737.78	7,030.08	2,416.51	4,613.57	1,743.63	2,869.94	1,820.10	1,049.84	3,798.74	899.11	2,899.63	934.23	1,965.40	973.83	991.57	4,486.82	6,602.10
Profit Before tax	1,343.24	1,269.11	730.95	538.16	218.16	320.00	-594.38	914.38	3,614.78	-2,889.02	6,503.80	1,855.28	4,648.52	1,771.67	2,876.85	11,941.54	3,128.00	8,813.54	3,067.99	5,745.55	2,907.06	2,838.49	9,859.66	6,431.70
Income Tax	340.74	335.78	198.24	137.54	57.00	80.54	-149.59	230.13	971.82	-653.09	1,624.91	454.00	1,170.91	446.22	724.69	2,991.75	781.15	2,210.60	770.14	1,440.46	725.59	714.87	2,469.93	1,628.18
effective tax rate	25.37%	26.46%	27.12%	25.56%	26.13%	25.17%	25.17%	25.17%	26.88%	22.61%	24.98%	24.47%	25.19%	25.19%	25.19%	25.05%	24.97%	25.08%	25.10%	25.07%	24.96%	25.18%	25.05%	25.31%
Net Profit	1,002.50	933.33	532.71	400.62	161.16	239.46	-444.79	684.25	2,642.96	-2,235.93	4,878.89	1,401.28	3,477.61	1,325.45	2,152.16	8,949.79	2,346.85	6,602.94	2,297.85	4,305.09	2,181.47	2,123.62	7,389.73	4,803.52
--growth y-o-y	46.51%	-64.69%	—	-91.79%	-88.50%	-93.11%	—	-68.21%	-70.47%	—	-26.11%	-39.02%	-19.22%	-39.24%	1.34%	21.11%	15.01%	23.34%	17.03%	26.99%	22.09%	32.45%	53.84%	69.35%
--growth q-o-q	88.19%	—	230.55%	—	—	—	—	—	—	—	—	5.72%	—	-38.41%	-8.30%	—	2.13%	—	5.33%	—	2.72%	4.07%	—	—
Capital & Key Ratios
Equity Share Capital	779.13	779.11	779.11	779.08	779.08	779.08	779.08	779.06	779.05	779.05	779.05	779.05	778.99	778.99	778.73	778.32	778.32	777.73	777.73	777.05	777.05	776.02	775.90	774.66
Reserves	65,392.89	64,390.39	64,390.39	63,824.43	63,824.43	63,663.27	63,663.27	64,108.06	63,423.81	63,423.81	66,601.99	66,601.99	65,200.71	65,200.71	63,875.26	61,723.10	61,723.10	60,147.05	60,147.05	57,849.20	57,849.20	55,667.73	53,544.11	46,614.93
Capital Adequacy Ratio	17.15%	17.48%	17.48%	16.94%	16.94%	17.10%	17.10%	16.63%	16.24%	16.24%	16.46%	16.46%	16.51%	16.51%	17.55%	17.23%	17.23%	17.86%	17.86%	18.21%	18.21%	18.40%	17.86%	18.42%
CET 1	16.10%	16.20%	16.20%	15.74%	15.74%	15.88%	15.88%	15.48%	15.10%	15.10%	15.18%	15.18%	15.21%	15.21%	16.15%	15.82%	15.82%	16.07%	16.07%	16.33%	16.33%	16.44%	15.93%	15.96%
Net Interest Margin (%)	3.57%	3.42%	3.39%	3.43%	3.52%	3.39%	3.32%	3.46%	3.63%	2.25%	4.09%	3.93%	4.17%	4.08%	4.25%	4.28%	4.26%	4.29%	4.29%	4.29%	4.29%	4.29%	4.20%	4.11%
Earning per share	12.87	11.98	6.84	5.14	2.07	3.07	-5.71	8.78	33.93	-28.70	62.63	17.99	44.64	17.01	27.64	114.99	30.15	84.90	29.55	55.40	28.07	27.37	95.24	62.01
DPS	—	1.50	—	—	—	—	—	—	0.00	—	—	—	—	—	—	16.50	—	—	—	—	—	—	14.00	8.50
Dividend Payout	—	12.52%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	14.35%	—	—	—	—	—	—	14.70%	13.71%
Cost to Income Ratio	58.53%	63.48%	63.55%	63.46%	63.20%	63.59%	66.52%	60.98%	60.15%	1.13%	51.58%	52.51%	51.12%	52.31%	49.97%	47.54%	48.87%	47.06%	47.97%	46.58%	47.26%	45.88%	44.30%	41.67%
Book value per share	849.31	836.46	836.46	829.23	829.23	827.16	827.16	832.89	824.12	824.12	864.91	864.91	846.99	846.99	830.25	803.03	803.03	783.37	783.37	754.47	754.47	727.35	700.09	611.75
Adj Book Value	821.45	807.99	807.99	799.54	799.54	796.62	796.62	799.45	794.58	794.58	842.49	842.49	826.48	826.48	811.42	785.32	785.32	766.49	766.49	738.13	738.13	711.59	684.62	597.92
Gross NPAs	10,848.68	11,095.35	11,095.35	11,604.62	11,604.62	12,057.75	12,057.75	12,480.56	11,046.39	11,046.39	8,375.29	8,375.29	7,638.52	7,638.52	7,126.80	6,693.38	6,693.38	6,377.05	6,377.05	6,164.22	6,164.22	5,941.12	5,826.27	5,517.15
Net NPAs	3,100.54	3,169.38	3,169.38	3,303.97	3,303.97	3,399.37	3,399.37	3,721.52	3,287.14	3,287.14	2,495.76	2,495.76	2,282.01	2,282.01	2,095.17	1,968.90	1,968.90	1,875.18	1,875.18	1,813.76	1,813.76	1,746.93	1,714.96	1,529.83
Slippages	1,660.00	9,489.00	1,825.00	7,664.00	2,560.00	5,104.00	2,537.00	2,567.00	10,548.00	5,014.00	5,534.00	2,200.00	3,334.00	1,798.00	1,536.00	6,034.00	1,428.00	4,606.00	1,765.00	2,841.00	1,465.00	1,376.00	6,892.00	10,106.00
% of Gross NPAs	3.25%	3.43%	3.43%	3.56%	3.56%	3.60%	3.60%	3.64%	3.13%	3.13%	2.25%	2.25%	2.11%	2.11%	2.02%	1.92%	1.92%	1.92%	1.92%	1.93%	1.93%	1.94%	1.98%	2.27%
% of Net NPAs	0.95%	1.00%	1.00%	1.04%	1.04%	1.04%	1.04%	1.12%	0.95%	0.95%	0.68%	0.68%	0.64%	0.64%	0.60%	0.57%	0.57%	0.57%	0.57%	0.57%	0.57%	0.58%	0.59%	0.64%
Slippage Ratio	1.99%	2.75%	2.12%	2.79%	2.79%	2.86%	2.84%	2.95%	3.07%	5.84%	2.26%	2.69%	2.11%	2.28%	2.04%	2.08%	1.97%	2.25%	2.59%	2.18%	2.25%	2.22%	2.88%	4.75%
Restructured Account	2,153.41	8,212.66	8,212.66	3,969.20	3,969.20	1,759.76	1,759.76	2,202.38	8,970.48	8,970.48	4,586.11	4,586.11	1,928.66	1,928.66	2,296.13	8,925.76	8,925.76	4,088.21	4,088.21	1,703.45	1,703.45	1,988.69	7,538.02	6,215.34
Return on Assets	0.75%	0.18%	0.41%	0.10%	0.12%	0.09%	-0.33%	0.51%	0.50%	-1.67%	1.23%	1.03%	1.33%	0.99%	1.68%	1.90%	1.90%	1.90%	1.93%	1.89%	1.88%	1.89%	1.81%	1.28%
PCR without Tech W/off (%)	71.42%	71.44%	71.44%	71.53%	71.53%	71.81%	71.81%	70.18%	70.24%	70.24%	70.20%	70.20%	70.12%	70.12%	70.60%	70.58%	70.58%	70.59%	70.59%	70.58%	70.58%	70.60%	70.57%	72.27%
Business Numbers (Rs. Crores)
Business	741,040.00	716,045.14	716,045.14	711,351.00	711,351.00	715,667.97	715,667.97	730,838.00	756,096.77	756,096.77	776,327.00	776,327.00	769,837.79	769,837.79	746,411.00	728,091.19	728,091.19	695,850.00	695,850.00	675,240.60	675,240.60	648,364.00	626,044.00	532,732.88
Net Advances	326,274.00	315,871.39	315,871.39	317,536.00	317,536.00	325,880.61	325,880.61	333,694.00	345,018.63	345,018.63	366,889.00	366,889.00	357,158.63	357,158.63	347,898.00	343,298.27	343,298.27	327,057.00	327,057.00	315,454.13	315,454.13	301,317.00	289,924.00	239,051.53
- Net Advances Growth YoY	-2.22%	-8.45%	-8.45%	-13.45%	-13.45%	-8.76%	-8.76%	-4.08%	0.50%	0.50%	12.18%	12.18%	13.22%	13.22%	15.46%	18.41%	18.41%	19.91%	19.91%	21.27%	21.27%	21.52%	21.28%	12.44%
Deposits	414,766.00	400,173.75	400,173.75	393,815.00	393,815.00	389,787.36	389,787.36	397,144.00	411,078.14	411,078.14	409,438.00	409,438.00	412,679.16	412,679.16	398,513.00	384,792.92	384,792.92	368,793.00	368,793.00	359,786.47	359,786.47	347,047.00	336,120.00	293,681.35
- Deposit Growth YoY	4.44%	-2.65%	-2.65%	-3.82%	-3.82%	-5.55%	-5.55%	-0.34%	6.83%	6.83%	11.02%	11.02%	14.70%	14.70%	14.83%	14.48%	14.48%	13.38%	13.38%	14.03%	14.03%	14.64%	14.45%	14.63%
--Savings deposits	87,440.00	89,899.00	89,899.00	87,688.00	87,688.00	87,854.00	87,854.00	91,113.00	94,025.00	94,025.00	96,946.00	96,946.00	95,338.00	95,338.00	97,659.00	98,676.00	98,676.00	91,880.00	91,880.00	91,527.00	91,527.00	89,097.00	84,128.00	88,826.00
--Current deposits	34,620.00	35,034.00	35,034.00	31,416.00	31,416.00	31,916.00	31,916.00	33,892.00	40,764.00	40,764.00	45,872.00	45,872.00	52,606.00	52,606.00	48,475.00	46,989.00	46,989.00	50,044.00	50,044.00	49,910.00	49,910.00	49,343.00	50,600.00	36,507.00
CASA	122,060.00	124,933.00	124,933.00	119,104.00	119,104.00	119,770.00	119,770.00	125,005.00	134,789.00	134,789.00	142,818.00	142,818.00	147,944.00	147,944.00	146,134.00	145,665.00	145,665.00	141,924.00	141,924.00	141,437.00	141,437.00	138,440.00	134,728.00	125,333.00
-- % of total Deposits	29.43%	31.22%	31.22%	30.24%	30.24%	30.73%	30.73%	31.48%	32.79%	32.79%	34.88%	34.88%	35.85%	35.85%	36.67%	37.86%	37.86%	38.48%	38.48%	39.31%	39.31%	39.89%	40.08%	42.68%
Cost Ratios as % of Total Income
Interest / Discount on advances	76.99%	78.66%	78.18%	78.81%	78.54%	78.94%	79.20%	78.69%	81.35%	78.43%	82.17%	81.97%	82.27%	82.03%	82.51%	83.32%	83.69%	83.19%	83.77%	82.89%	83.38%	82.36%	82.34%	81.58%
Income on Investments	16.78%	17.10%	18.47%	16.68%	17.84%	16.12%	16.84%	15.45%	15.75%	18.79%	14.89%	15.67%	14.50%	14.64%	14.36%	13.56%	13.55%	13.56%	13.73%	13.47%	13.87%	13.05%	12.90%	13.15%
Interest on bal with RBI and others	2.40%	2.95%	2.04%	3.24%	1.56%	4.03%	3.36%	4.67%	2.48%	2.28%	2.54%	1.94%	2.84%	2.93%	2.74%	2.53%	2.36%	2.59%	2.04%	2.88%	2.26%	3.53%	3.97%	4.18%
Others	3.84%	1.29%	1.31%	1.28%	2.06%	0.91%	0.60%	1.20%	0.43%	0.51%	0.40%	0.42%	0.40%	0.41%	0.38%	0.59%	0.40%	0.66%	0.45%	0.77%	0.48%	1.06%	0.80%	1.10%
other income	15.79%	15.60%	15.50%	15.64%	15.01%	15.94%	14.20%	17.58%	15.79%	6.67%	18.34%	18.36%	18.33%	17.21%	19.46%	20.52%	20.50%	20.53%	20.70%	20.44%	20.29%	20.59%	22.45%	23.83%
Total Interest Expense	58.58%	61.12%	60.28%	61.38%	59.89%	62.09%	62.02%	62.17%	60.90%	71.33%	57.98%	59.16%	57.38%	57.85%	56.90%	54.94%	55.93%	54.58%	54.24%	54.75%	54.86%	54.64%	51.63%	51.33%
Net Interest Income	41.42%	38.88%	39.72%	38.62%	40.11%	37.91%	37.98%	37.83%	39.10%	28.67%	42.02%	40.84%	42.62%	42.15%	43.10%	45.06%	44.07%	45.42%	45.76%	45.25%	45.14%	45.36%	48.37%	48.67%
Wages	12.12%	11.66%	11.91%	11.58%	13.35%	10.74%	10.92%	10.57%	8.84%	10.34%	8.42%	8.36%	8.45%	8.61%	8.29%	8.51%	8.60%	8.48%	8.87%	8.28%	8.50%	8.04%	8.33%	11.27%
Other administrative Exps	21.36%	22.93%	23.19%	22.85%	21.49%	23.50%	23.79%	23.22%	24.18%	29.44%	22.71%	22.73%	22.71%	22.44%	22.97%	22.66%	22.96%	22.56%	23.01%	22.32%	22.41%	22.22%	23.05%	18.94%
Total Operating Expenses	33.48%	34.59%	35.10%	34.43%	34.83%	34.24%	34.71%	33.79%	33.02%	39.78%	31.13%	31.09%	31.16%	31.05%	31.26%	31.18%	31.56%	31.04%	31.88%	30.60%	30.92%	30.26%	31.38%	30.21%
Profit before Tax and Provisions	23.72%	19.90%	20.13%	19.82%	20.28%	19.60%	17.47%	21.63%	21.87%	-4.44%	29.23%	28.11%	29.80%	28.31%	31.30%	34.41%	33.01%	34.91%	34.58%	35.09%	34.50%	35.70%	39.45%	42.29%
Provisions and contingencies	11.85%	17.15%	13.49%	18.30%	18.36%	18.26%	22.59%	14.17%	14.45%	22.72%	12.13%	13.62%	11.37%	14.35%	8.37%	8.30%	7.37%	8.64%	8.07%	8.94%	8.66%	9.24%	12.34%	21.42%
PBT	11.88%	2.74%	6.64%	1.53%	1.92%	1.34%	-5.12%	7.46%	7.43%	-27.17%	17.10%	14.49%	18.42%	13.97%	22.93%	26.10%	25.64%	26.27%	26.51%	26.14%	25.85%	26.45%	27.11%	20.87%
Income Tax	3.01%	0.73%	1.80%	0.39%	0.50%	0.34%	-1.29%	1.88%	2.00%	-6.14%	4.27%	3.55%	4.64%	3.52%	5.78%	6.54%	6.40%	6.59%	6.66%	6.55%	6.45%	6.66%	6.79%	5.28%
PAT	8.86%	2.02%	4.84%	1.14%	1.42%	1.00%	-3.83%	5.58%	5.43%	-21.03%	12.83%	10.95%	13.78%	10.45%	17.15%	19.56%	19.24%	19.68%	19.86%	19.59%	19.39%	19.79%	20.32%	15.58%

J&K Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	2,685.09	9,708.31	2,452.17	7,256.14	2,435.10	4,821.04	2,390.92	2,430.12	9,422.99	2,384.14	7,038.85	2,398.41	4,640.44	2,357.76	2,282.68	8,608.67	2,236.64	6,372.03	2,228.88	4,143.15	2,134.77	2,008.38	6,997.55	6,015.38
Income on Investments	722.36	2,921.64	685.38	2,236.26	745.93	1,490.33	767.03	723.30	2,669.23	713.95	1,955.28	695.48	1,259.80	649.41	610.39	2,265.43	571.90	1,693.53	564.87	1,128.66	558.84	569.82	2,070.92	1,676.86
Interest on bal with RBI and others	8.06	52.73	8.63	44.10	8.74	35.36	24.49	10.87	50.02	16.77	33.25	10.42	22.83	18.52	4.31	36.91	6.39	30.52	9.24	21.28	1.96	19.32	94.68	320.68
Others	130.49	462.46	125.51	336.95	123.67	213.28	109.38	103.90	393.62	96.99	296.63	101.77	194.86	97.86	97.00	301.36	95.25	206.11	77.97	128.14	68.58	59.56	191.96	0.56
Total Fund based income	3,546.00	13,145.14	3,271.69	9,873.45	3,313.44	6,560.01	3,291.82	3,268.19	12,535.86	3,211.85	9,324.01	3,206.08	6,117.93	3,123.55	2,994.38	11,212.37	2,910.18	8,302.19	2,880.96	5,421.23	2,764.15	2,657.08	9,355.11	8,013.48
--growth y-o-y	8.50%	4.86%	1.86%	5.89%	3.35%	7.23%	5.39%	9.14%	11.80%	10.37%	12.31%	11.29%	12.85%	13.00%	12.69%	19.85%	15.85%	21.32%	18.03%	23.15%	20.24%	26.33%	16.74%	-1.20%
--growth q-o-q	8.38%	—	-1.26%	—	0.66%	—	0.72%	1.75%	—	0.18%	—	2.64%	—	4.31%	2.89%	—	1.01%	—	4.23%	—	4.03%	5.77%	—	—
Other Income	214.02	944.04	259.39	684.65	279.46	405.19	154.89	250.30	1,136.81	404.31	732.50	242.32	490.18	296.08	194.10	825.48	224.56	600.92	182.34	418.58	190.31	228.27	756.81	744.00
Total Income	3,760.02	14,089.18	3,531.08	10,558.10	3,592.90	6,965.20	3,446.71	3,518.49	13,672.67	3,616.16	10,056.51	3,448.40	6,608.11	3,419.63	3,188.48	12,037.85	3,134.74	8,903.11	3,063.30	5,839.81	2,954.46	2,885.35	10,111.92	8,757.48
Total Interest Expense	2,048.88	7,269.42	1,784.19	5,485.23	1,824.56	3,660.67	1,857.83	1,802.84	6,742.05	1,731.86	5,010.19	1,697.40	3,312.79	1,687.63	1,625.16	6,008.68	1,604.06	4,404.62	1,600.52	2,804.10	1,430.32	1,373.78	4,609.83	4,102.25
--growth y-o-y	13.65%	7.82%	3.02%	9.48%	7.49%	10.50%	10.09%	10.93%	12.21%	7.97%	13.75%	6.05%	18.14%	17.99%	18.30%	30.34%	27.05%	31.59%	35.24%	29.59%	30.66%	28.50%	12.37%	-5.48%
--growth q-o-q	14.84%	—	-2.21%	—	-1.79%	—	3.05%	4.10%	—	2.03%	—	0.58%	—	3.84%	1.32%	—	0.22%	—	11.90%	—	4.12%	8.81%	—	—
Net Interest Income	1,497.12	5,875.72	1,487.50	4,388.22	1,488.88	2,899.34	1,433.99	1,465.35	5,793.81	1,479.99	4,313.82	1,508.68	2,805.14	1,435.92	1,369.22	5,203.69	1,306.12	3,897.57	1,280.44	2,617.13	1,333.83	1,283.30	4,745.28	3,911.23
--growth y-o-y	2.17%	1.41%	0.51%	1.72%	-1.31%	3.36%	-0.13%	7.02%	11.34%	13.31%	10.68%	17.83%	7.18%	7.65%	6.70%	9.66%	4.53%	11.50%	1.83%	16.92%	10.77%	24.08%	21.32%	3.72%
--growth q-o-q	0.65%	—	-0.09%	—	3.83%	—	-2.14%	-0.99%	—	-1.90%	—	5.07%	—	4.87%	4.83%	—	2.01%	—	-4.00%	—	3.94%	2.70%	—	—
Operating Expenses
Employee Cost	651.16	2,472.49	509.16	1,963.33	656.54	1,306.79	645.89	660.90	2,780.36	731.73	2,048.63	701.21	1,347.42	657.89	689.53	2,571.56	483.94	2,087.62	634.61	1,453.01	721.73	731.28	2,703.66	2,401.93
Other administrative Exps	356.70	1,360.83	326.92	1,033.91	331.55	702.36	320.37	381.99	1,220.48	352.55	867.93	301.68	566.25	287.13	279.12	1,180.73	382.91	797.82	277.64	520.18	267.94	252.24	939.94	920.85
Total Operating Expenses	1,007.86	3,833.32	836.08	2,997.24	988.09	2,009.15	966.26	1,042.89	4,000.84	1,084.28	2,916.56	1,002.89	1,913.67	945.02	968.65	3,752.29	866.85	2,885.44	912.25	1,973.19	989.67	983.52	3,643.60	3,322.78
Profit before Tax and Provisions	703.28	2,986.44	910.81	2,075.63	780.25	1,295.38	622.62	672.76	2,929.78	800.02	2,129.76	748.11	1,381.65	786.98	594.67	2,276.88	663.83	1,613.05	550.53	1,062.52	534.47	528.05	1,858.49	1,332.45
--growth y-o-y	4.54%	1.93%	13.85%	-2.54%	4.30%	-6.24%	-20.88%	13.13%	28.68%	20.52%	32.03%	35.89%	30.04%	47.24%	12.62%	22.51%	47.65%	14.49%	1.18%	22.87%	10.58%	38.43%	39.48%	-17.30%
--growth q-o-q	-22.79%	—	16.73%	—	25.32%	—	-7.45%	-15.91%	—	6.94%	—	-4.94%	—	32.34%	-10.42%	—	20.58%	—	3.00%	—	1.22%	17.45%	—	—
Provisions and contingencies
Provision for NPA	30.61	5.92	46.16	-40.24	-77.93	37.69	3.96	33.73	29.50	58.04	-28.54	22.76	-51.30	-27.52	-23.78	-73.61	-47.41	-26.20	-74.76	48.56	-6.50	55.06	-12.51	253.35
Others	53.43	22.70	4.11	18.59	52.12	-33.53	-14.89	-18.64	-33.21	-67.20	33.99	-32.36	66.35	60.05	6.30	-34.08	-117.64	83.56	65.33	18.23	-3.44	21.67	86.64	66.40
Total Provisions	84.04	28.62	50.27	-21.65	-25.81	4.16	-10.93	15.09	-3.71	-9.16	5.45	-9.60	15.05	32.53	-17.48	-107.69	-165.05	57.36	-9.43	66.79	-9.94	76.73	74.13	319.75
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	270.00
Profit Before tax	619.24	2,957.82	860.54	2,097.28	806.06	1,291.22	633.55	657.67	2,933.49	809.18	2,124.31	757.71	1,366.60	754.45	612.15	2,384.57	828.88	1,555.69	559.96	995.73	544.41	451.32	1,784.36	742.70
Income Tax	195.06	594.40	62.72	531.68	219.33	312.35	139.44	172.91	851.24	224.64	626.60	226.40	400.20	203.54	196.66	617.30	190.21	427.09	138.88	288.21	163.34	124.87	586.98	241.14
effective tax rate	31.50%	20.10%	7.29%	25.35%	27.21%	24.19%	22.01%	26.29%	29.02%	27.76%	29.50%	29.88%	29.28%	26.98%	32.13%	25.89%	22.95%	27.45%	24.80%	28.94%	30.00%	27.67%	32.90%	32.47%
Net Profit	424.18	2,363.42	797.82	1,565.60	586.73	978.87	494.11	484.76	2,082.25	584.54	1,497.71	531.31	966.40	550.91	415.49	1,767.27	638.67	1,128.60	421.08	707.52	381.07	326.45	1,197.38	501.56
--growth y-o-y	-12.50%	13.50%	36.49%	4.53%	10.43%	1.29%	-10.31%	16.67%	17.82%	-8.48%	32.71%	26.18%	36.59%	44.57%	27.28%	47.59%	34.08%	56.52%	35.14%	72.79%	56.50%	96.69%	138.73%	16.07%
--growth q-o-q	-46.83%	—	35.98%	—	18.74%	—	1.93%	-17.07%	—	10.02%	—	-3.56%	—	32.59%	-34.94%	—	51.67%	—	10.50%	—	16.73%	-31.47%	—	—
Capital & Key Ratios
Equity Share Capital	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	110.13	103.16	103.16	103.16	103.16	93.30
Reserves	15,543.28	15,119.10	15,119.10	15,207.96	15,207.96	13,881.99	13,881.99	13,387.88	12,903.12	12,903.12	13,093.59	13,093.59	11,823.04	11,823.04	11,272.13	10,856.64	10,856.64	10,426.65	10,426.65	9,266.33	9,266.33	8,885.26	8,558.81	6,970.62
Govt of J&K (%)	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	59.40	63.41	63.41	63.41	63.41	70.12
Capital Adequacy Ratio	16.67%	16.55%	16.55%	15.00%	15.00%	15.27%	15.27%	15.98%	16.29%	16.29%	15.09%	15.09%	14.99%	14.99%	15.07%	15.33%	15.33%	14.18%	14.18%	14.53%	14.53%	14.83%	15.38%	13.23%
Earning per share	3.85	21.46	7.24	14.22	5.33	8.89	4.49	4.40	18.91	5.31	13.60	4.82	8.78	5.00	3.77	16.05	5.80	10.25	3.82	6.86	3.69	3.16	11.61	5.38
DPS	—	0.00	—	—	—	—	—	—	2.15	—	—	—	—	—	—	2.15	—	—	—	—	—	—	0.00	0.00
Dividend Payout	—	0.00%	—	—	—	—	—	—	11.37%	—	—	—	—	—	—	13.40%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	58.90%	56.21%	47.86%	59.08%	55.88%	60.80%	60.81%	60.79%	57.73%	57.54%	57.80%	57.28%	58.07%	54.56%	61.96%	62.24%	56.63%	64.14%	62.36%	65.00%	64.93%	65.07%	66.22%	71.38%
Book value per share	142.14	138.28	138.28	139.09	139.09	127.05	127.05	122.56	118.16	118.16	119.89	119.89	108.36	108.36	103.35	99.58	99.58	95.68	95.68	90.82	90.82	87.13	83.97	75.71
Adj Book Value	137.25	133.29	133.29	134.16	134.16	121.99	121.99	117.29	112.96	112.96	114.18	114.18	103.19	103.19	98.73	94.90	94.90	90.97	90.97	84.60	84.60	79.14	74.91	62.58
Restructured Account	—	0.00	—	—	—	0.00	—	—	0.00	—	—	—	0.00	—	—	0.00	—	—	—	0.00	—	—	0.00	0.00
Gross NPAs	3,088.94	3,124.84	3,124.84	3,487.12	3,487.12	3,585.26	3,585.26	3,638.19	3,604.84	3,604.84	4,041.04	4,041.04	3,916.26	3,916.26	3,857.59	3,956.11	3,956.11	4,528.48	4,528.48	4,826.68	4,826.68	5,103.68	5,204.43	6,520.54
Net NPAs	769.31	785.13	785.13	776.36	776.36	795.94	795.94	829.02	818.07	818.07	898.08	898.08	813.39	813.39	727.58	735.85	735.85	740.83	740.83	917.36	917.36	1,176.91	1,334.24	1,750.10
% of Gross NPAs	2.37%	2.50%	2.50%	3.00%	3.00%	3.32%	3.32%	3.50%	3.37%	3.37%	4.08%	4.08%	3.95%	3.95%	3.91%	4.08%	4.08%	4.84%	4.84%	5.26%	5.26%	5.77%	6.04%	8.67%
% of Net NPAs	0.60%	0.64%	0.64%	0.68%	0.68%	0.76%	0.76%	0.82%	0.79%	0.79%	0.94%	0.94%	0.85%	0.85%	0.76%	0.79%	0.79%	0.63%	0.63%	1.04%	1.04%	1.39%	1.62%	2.49%
Return on Assets	0.87%	1.78%	1.78%	1.23%	1.35%	1.17%	1.16%	1.17%	1.32%	1.44%	1.28%	1.34%	1.24%	1.41%	1.08%	1.22%	1.69%	1.06%	1.15%	1.01%	1.08%	0.94%	0.89%	0.42%
PCR without Tech W/off (%)	75.09%	74.87%	74.87%	77.74%	77.74%	77.80%	77.80%	77.21%	77.31%	77.31%	77.78%	77.78%	79.23%	79.23%	81.14%	81.40%	81.40%	83.64%	83.64%	80.99%	80.99%	76.94%	74.36%	73.16%
Business Numbers (Rs. Crores)
Business	301,603.44	287,995.02	287,995.02	269,398.67	269,398.67	257,183.46	257,183.46	249,771.93	252,768.18	252,768.18	236,937.52	236,937.52	234,057.41	234,057.41	228,022.90	227,937.40	227,937.40	218,294.83	218,294.83	214,407.57	214,407.57	205,773.12	204,323.19	185,111.06
Net Advances	128,183.11	122,641.02	122,641.02	113,537.32	113,537.32	105,153.30	105,153.30	101,230.11	104,198.72	104,198.72	95,990.38	95,990.38	96,139.14	96,139.14	95,449.77	93,162.51	93,162.51	89,752.36	89,752.36	87,817.84	87,817.84	84,475.63	82,285.45	70,400.68
- Net Advances Growth YoY	26.63%	17.70%	17.70%	18.28%	18.28%	9.38%	9.38%	6.06%	11.85%	11.85%	6.95%	6.95%	9.48%	9.48%	12.99%	13.22%	13.22%	15.60%	15.60%	17.80%	17.80%	17.45%	16.88%	5.32%
Deposits	173,420.33	165,354.00	165,354.00	155,861.35	155,861.35	152,030.16	152,030.16	148,541.82	148,569.46	148,569.46	140,947.14	140,947.14	137,918.27	137,918.27	132,573.13	134,774.89	134,774.89	128,542.47	128,542.47	126,589.73	126,589.73	121,297.49	122,037.74	114,710.38
- Deposit Growth YoY	16.75%	11.30%	11.30%	10.58%	10.58%	10.23%	10.23%	12.05%	10.24%	10.24%	9.65%	9.65%	8.95%	8.95%	9.30%	10.44%	10.44%	8.99%	8.99%	9.40%	9.40%	8.16%	6.39%	6.15%
--Savings deposits	56,833.00	58,086.00	58,086.00	53,859.00	53,859.00	55,126.00	55,126.00	53,287.00	53,603.75	53,603.75	53,510.51	53,510.51	53,406.00	53,406.00	52,325.44	53,248.85	53,248.85	51,585.39	51,585.39	51,197.89	51,197.89	51,621.51	52,024.75	50,476.92
--Current deposits	16,111.00	17,392.00	17,392.00	14,877.00	14,877.00	14,648.00	14,648.00	14,614.00	16,239.66	16,239.66	14,376.87	14,376.87	13,629.00	13,629.00	13,655.52	14,823.76	14,823.76	13,449.61	13,449.61	12,871.38	12,871.38	13,023.73	13,993.23	14,397.69
CASA	72,944.00	75,478.00	75,478.00	68,736.00	68,736.00	69,774.00	69,774.00	67,901.00	69,843.41	69,843.41	67,887.38	67,887.38	67,035.00	67,035.00	65,980.96	68,072.61	68,072.61	65,035.00	65,035.00	64,069.27	64,069.27	64,645.24	66,017.98	64,874.61
-- % of total Deposits	42.06%	45.65%	45.65%	44.10%	44.10%	45.89%	45.89%	45.71%	47.01%	47.01%	48.17%	48.17%	48.60%	48.60%	49.77%	50.51%	50.51%	50.59%	50.59%	50.61%	50.61%	53.29%	54.10%	56.56%
Cost Ratios as % of Total Income
Interest / Discount on advances	75.72%	73.85%	74.95%	73.49%	73.49%	73.49%	72.63%	74.36%	75.17%	74.23%	75.49%	74.81%	75.85%	75.48%	76.23%	76.78%	76.86%	76.75%	77.37%	76.42%	77.23%	75.59%	74.80%	75.07%
Income on Investments	20.37%	22.23%	20.95%	22.65%	22.51%	22.72%	23.30%	22.13%	21.29%	22.23%	20.97%	21.69%	20.59%	20.79%	20.38%	20.20%	19.65%	20.40%	19.61%	20.82%	20.22%	21.45%	22.14%	20.93%
Interest on bal with RBI and others	0.23%	0.40%	0.26%	0.45%	0.26%	0.54%	0.74%	0.33%	0.40%	0.52%	0.36%	0.33%	0.37%	0.59%	0.14%	0.33%	0.22%	0.37%	0.32%	0.39%	0.07%	0.73%	1.01%	4.00%
Others	3.68%	3.52%	3.84%	3.41%	3.73%	3.25%	3.32%	3.18%	3.14%	3.02%	3.18%	3.17%	3.19%	3.13%	3.24%	2.69%	3.27%	2.48%	2.71%	2.36%	2.48%	2.24%	2.05%	0.01%
Other income	6.04%	7.18%	7.93%	6.93%	8.43%	6.18%	4.71%	7.66%	9.07%	12.59%	7.86%	7.56%	8.01%	9.48%	6.48%	7.36%	7.72%	7.24%	6.33%	7.72%	6.88%	8.59%	8.09%	9.28%
Total Interest Expense	57.78%	55.30%	54.53%	55.56%	55.07%	55.80%	56.44%	55.16%	53.78%	53.92%	53.73%	52.94%	54.15%	54.03%	54.27%	53.59%	55.12%	53.05%	55.56%	51.72%	51.75%	51.70%	49.28%	51.19%
Net Interest Income	42.22%	44.70%	45.47%	44.44%	44.93%	44.20%	43.56%	44.84%	46.22%	46.08%	46.27%	47.06%	45.85%	45.97%	45.73%	46.41%	44.88%	46.95%	44.44%	48.28%	48.25%	48.30%	50.72%	48.81%
Wages	18.36%	18.81%	15.56%	19.88%	19.81%	19.92%	19.62%	20.22%	22.18%	22.78%	21.97%	21.87%	22.02%	21.06%	23.03%	22.94%	16.63%	25.15%	22.03%	26.80%	26.11%	27.52%	28.90%	29.97%
Other administrative Exps	10.06%	10.35%	9.99%	10.47%	10.01%	10.71%	9.73%	11.69%	9.74%	10.98%	9.31%	9.41%	9.26%	9.19%	9.32%	10.53%	13.16%	9.61%	9.64%	9.60%	9.69%	9.49%	10.05%	11.49%
Total Operating Expenses	28.42%	29.16%	25.55%	30.36%	29.82%	30.63%	29.35%	31.91%	31.92%	33.76%	31.28%	31.28%	31.28%	30.25%	32.35%	33.47%	29.79%	34.76%	31.66%	36.40%	35.80%	37.02%	38.95%	41.46%
Profit before Tax and Provisions	19.83%	22.72%	27.84%	21.02%	23.55%	19.75%	18.91%	20.59%	23.37%	24.91%	22.84%	23.33%	22.58%	25.20%	19.86%	20.31%	22.81%	19.43%	19.11%	19.60%	19.34%	19.87%	19.87%	16.63%
Provisions and contingencies	1.51%	0.17%	0.13%	0.19%	1.57%	-0.51%	-0.45%	-0.57%	-0.26%	-2.09%	0.36%	-1.01%	1.08%	1.92%	0.21%	-0.30%	-4.04%	1.01%	2.27%	0.34%	-0.12%	0.82%	0.93%	0.83%
PBT	17.46%	22.50%	26.30%	21.24%	24.33%	19.68%	19.25%	20.12%	23.40%	25.19%	22.78%	23.63%	22.34%	24.15%	20.44%	21.27%	28.48%	18.74%	19.44%	18.37%	19.70%	16.99%	19.07%	9.27%
Income Tax	5.50%	4.52%	1.92%	5.38%	6.62%	4.76%	4.24%	5.29%	6.79%	6.99%	6.72%	7.06%	6.54%	6.52%	6.57%	5.51%	6.54%	5.14%	4.82%	5.32%	5.91%	4.70%	6.27%	3.01%
PAT	11.96%	17.98%	24.39%	15.86%	17.71%	14.92%	15.01%	14.83%	16.61%	18.20%	16.06%	16.57%	15.80%	17.64%	13.88%	15.76%	21.95%	13.59%	14.62%	13.05%	13.79%	12.29%	12.80%	6.26%

Karna

Karnataka Bank

Figures in Rs. Crores

View Reports

Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	1,814.19	6,681.05	1,689.32	4,991.73	1,620.71	3,371.02	1,640.79	1,730.23	7,009.38	1,764.96	5,244.42	1,759.33	3,485.09	1,769.77	1,715.32	6,524.78	1,732.67	4,792.11	1,656.85	3,135.26	1,596.48	1,538.78	5,584.91	4,737.88
Income on Investments	432.75	1,642.76	424.38	1,218.38	422.53	795.85	406.46	389.39	1,466.22	380.21	1,086.01	346.98	739.03	356.43	382.60	1,500.18	383.49	1,116.69	383.49	733.20	370.90	362.30	1,422.35	1,310.12
Interest on bal with RBI and others	6.66	46.50	5.18	41.32	10.45	30.87	22.04	8.83	41.37	4.64	36.73	18.62	18.11	13.36	4.75	18.06	0.66	17.40	4.43	12.97	6.89	6.08	1.58	31.89
Others	129.05	547.52	138.44	409.08	166.36	242.72	109.89	132.83	496.63	108.65	387.98	118.09	269.89	94.57	175.32	255.48	83.74	171.74	67.84	103.90	52.32	51.58	211.39	141.77
Total Fund based income	2,382.65	8,917.83	2,257.32	6,660.51	2,220.05	4,440.46	2,179.18	2,261.28	9,013.60	2,258.46	6,755.14	2,243.02	4,512.12	2,234.13	2,277.99	8,298.50	2,200.56	6,097.94	2,112.61	3,985.33	2,026.59	1,958.74	7,220.23	6,221.66
--growth y-o-y	5.37%	-1.06%	-0.05%	-1.40%	-1.02%	-1.59%	-2.46%	-0.73%	8.62%	2.63%	10.78%	6.17%	13.22%	10.24%	16.30%	14.93%	11.74%	16.13%	14.15%	17.21%	14.43%	20.24%	16.05%	-0.17%
--growth q-o-q	5.55%	—	1.68%	—	1.88%	—	-3.63%	0.12%	—	0.69%	—	0.40%	—	-1.93%	3.52%	—	4.16%	—	4.24%	—	3.46%	-0.54%	—	—
Other Income	355.42	1,402.89	398.86	1,004.03	302.30	701.73	343.37	358.36	1,269.52	428.23	841.29	292.36	548.93	269.92	279.01	1,318.92	419.41	899.51	326.08	573.43	249.59	323.84	992.58	953.88
Total Income	2,738.07	10,320.72	2,656.18	7,664.54	2,522.35	5,142.19	2,522.55	2,619.64	10,283.12	2,686.69	7,596.43	2,535.38	5,061.05	2,504.05	2,557.00	9,617.42	2,619.97	6,997.45	2,438.69	4,558.76	2,276.18	2,282.58	8,212.81	7,175.54
Total Interest Expense	1,444.36	5,799.10	1,414.37	4,384.73	1,427.99	2,956.74	1,451.06	1,505.68	5,703.22	1,477.78	4,225.44	1,450.24	2,775.20	1,400.57	1,374.63	4,999.78	1,366.53	3,633.25	1,285.01	2,348.24	1,204.18	1,144.06	4,035.13	3,730.63
--growth y-o-y	-4.07%	1.68%	-4.29%	3.77%	-1.53%	6.54%	3.60%	9.53%	14.07%	8.14%	16.30%	12.86%	18.18%	16.31%	20.15%	23.91%	23.19%	24.18%	26.47%	22.95%	24.36%	21.51%	8.16%	-7.87%
--growth q-o-q	2.12%	—	-0.95%	—	-1.59%	—	-3.63%	1.89%	—	1.90%	—	3.55%	—	1.89%	0.59%	—	6.34%	—	6.71%	—	5.25%	3.14%	—	—
Net Interest Income	938.29	3,118.73	842.95	2,275.78	792.06	1,483.72	728.12	755.60	3,310.38	780.68	2,529.70	792.78	1,736.92	833.56	903.36	3,298.72	834.03	2,464.69	827.60	1,637.09	822.41	814.68	3,185.10	2,491.03
--growth y-o-y	24.18%	-5.79%	7.98%	-10.04%	-0.09%	-14.58%	-12.65%	-16.36%	0.35%	-6.40%	2.64%	-4.21%	6.10%	1.36%	10.89%	3.57%	-3.03%	6.01%	-0.86%	9.85%	2.45%	18.49%	27.86%	14.10%
--growth q-o-q	11.31%	—	6.43%	—	8.78%	—	-3.64%	-3.21%	—	-1.53%	—	-4.89%	—	-7.73%	8.31%	—	0.78%	—	0.63%	—	0.95%	-5.28%	—	—
Operating Expenses
Employee Cost	408.56	1,297.80	279.58	1,018.22	360.60	657.62	316.49	341.13	1,538.40	525.91	1,012.49	342.72	669.77	349.94	319.83	1,372.84	436.80	936.04	336.31	599.73	307.15	292.58	1,069.19	1,014.95
Other administrative Exps	304.81	1,249.65	347.19	902.46	281.96	620.50	314.96	305.54	1,214.46	307.98	906.48	309.35	597.13	293.18	303.95	1,081.49	316.85	764.64	277.17	487.47	242.70	244.77	900.26	795.96
Total Operating Expenses	713.37	2,547.45	626.77	1,920.68	642.56	1,278.12	631.45	646.67	2,752.86	833.89	1,918.97	652.07	1,266.90	643.12	623.78	2,454.33	753.65	1,700.68	613.48	1,087.20	549.85	537.35	1,969.45	1,810.91
Profit before Tax and Provisions	580.34	1,974.17	615.04	1,359.13	451.80	907.33	440.04	467.29	1,827.04	375.02	1,452.02	433.07	1,018.95	460.36	558.59	2,163.31	499.79	1,663.52	540.20	1,123.32	522.15	601.17	2,208.23	1,634.00
--growth y-o-y	24.19%	8.05%	64.00%	-6.40%	4.32%	-10.95%	-4.41%	-16.34%	-15.54%	-24.96%	-12.71%	-19.83%	-9.29%	-11.83%	-7.08%	-2.03%	-27.12%	9.26%	1.57%	13.40%	-9.63%	45.64%	35.14%	-18.26%
--growth q-o-q	-5.64%	—	36.13%	—	2.67%	—	-5.83%	24.60%	—	-13.40%	—	-5.93%	—	-17.59%	11.76%	—	-7.48%	—	3.46%	—	-13.14%	-12.34%	—	—
Provisions and contingencies
Others	28.70	316.07	90.34	225.73	94.86	130.87	20.07	110.80	186.44	31.08	155.36	83.77	71.59	31.33	40.26	600.58	184.73	415.85	144.41	271.44	119.87	151.57	767.19	939.44
Total Provisions	28.70	316.07	90.34	225.73	94.86	130.87	20.07	110.80	186.44	31.08	155.36	83.77	71.59	31.33	40.26	600.58	184.73	415.85	144.41	271.44	119.87	151.57	767.19	939.44
Profit Before tax	551.64	1,658.10	524.70	1,133.40	356.94	776.46	419.97	356.49	1,640.60	343.94	1,296.66	349.30	947.36	429.03	518.33	1,562.73	315.06	1,247.67	395.79	851.88	402.28	449.60	1,441.04	694.56
Income Tax	132.69	347.60	116.51	231.09	66.15	164.94	100.85	64.09	368.23	91.57	276.66	65.70	210.96	92.96	118.00	256.45	40.82	215.63	64.71	150.92	72.02	78.90	260.80	185.95
effective tax rate	24.05%	20.96%	22.21%	20.39%	18.53%	21.24%	24.01%	17.98%	22.44%	26.62%	21.34%	18.81%	22.27%	21.67%	22.77%	16.41%	12.96%	17.28%	16.35%	17.72%	17.90%	17.55%	18.10%	26.77%
Net Profit	418.95	1,310.50	408.19	902.31	290.79	611.52	319.12	292.40	1,272.37	252.37	1,020.00	283.60	736.40	336.07	400.33	1,306.28	274.24	1,032.04	331.08	700.96	330.26	370.70	1,180.24	508.61
--Net Profit growth y-o-y	43.28%	3.00%	61.74%	-11.54%	2.54%	-16.96%	-5.04%	-26.96%	-2.60%	-7.97%	-1.17%	-14.34%	5.06%	1.76%	7.99%	10.68%	-22.48%	24.87%	10.11%	33.31%	-19.77%	224.66%	132.05%	5.42%
--Net Profit growth q-o-q	2.64%	—	40.37%	—	-8.88%	—	9.14%	15.86%	—	-11.01%	—	-15.61%	—	-16.05%	45.98%	—	-17.17%	—	0.25%	—	-10.91%	4.79%	—	—
Equity Share Capital	378.21	378.19	378.19	378.15	378.15	378.08	378.08	377.98	377.95	377.95	377.90	377.90	377.66	377.66	377.47	377.26	377.26	346.76	346.76	312.87	312.87	312.44	312.35	311.17
Reserves	12,684.80	12,265.85	12,265.85	12,110.48	12,110.48	11,819.69	11,819.69	11,500.57	11,208.17	11,208.17	10,986.42	10,986.42	10,702.82	10,702.82	10,366.75	9,966.42	9,966.42	9,189.21	9,189.21	8,091.53	8,091.53	7,761.27	7,390.57	6,324.61
Capital Adequacy Ratio	21.10%	20.07%	20.07%	19.94%	19.94%	20.84%	20.84%	20.46%	19.85%	19.85%	17.64%	17.64%	17.58%	17.58%	17.64%	18.00%	18.00%	15.88%	15.88%	16.20%	16.20%	17.00%	17.45%	15.66%
CET 1	19.90%	18.70%	18.70%	18.40%	18.40%	19.30%	19.30%	18.90%	18.40%	18.40%	16.01%	16.01%	15.93%	15.93%	15.94%	16.17%	16.17%	13.66%	13.66%	13.11%	13.11%	13.80%	14.18%	12.65%
Net Interest Margin (%)	3.20%	2.88%	3.07%	2.82%	2.92%	2.77%	2.72%	2.82%	3.19%	2.98%	3.26%	3.02%	3.39%	3.23%	3.54%	3.52%	3.30%	3.57%	3.46%	3.63%	3.58%	3.68%	3.70%	3.18%
Earning per share	11.08	34.65	10.79	23.86	7.69	16.17	8.44	7.74	33.67	6.68	26.99	7.50	19.50	8.90	10.61	34.63	7.27	29.76	9.55	22.40	10.56	11.86	37.79	16.35
DPS	—	5.00	—	—	—	—	—	—	5.00	—	—	—	—	—	—	5.50	—	—	—	—	—	—	5.00	4.00
Dividend Payout	—	14.43%	—	—	—	—	—	—	14.85%	—	—	—	—	—	—	15.88%	—	—	—	—	—	—	13.23%	24.47%
NII/Core Interest Income	39.38%	34.97%	37.34%	34.17%	35.68%	33.41%	33.41%	33.41%	36.73%	34.57%	37.45%	35.34%	38.49%	37.31%	39.66%	39.75%	37.90%	40.42%	39.17%	41.08%	40.58%	41.59%	44.11%	40.04%
Cost to Income Ratio	55.14%	56.34%	50.47%	58.56%	58.72%	58.48%	58.93%	58.05%	60.11%	68.98%	56.93%	60.09%	55.42%	58.28%	52.76%	53.15%	60.13%	50.55%	53.18%	49.18%	51.29%	47.20%	47.14%	52.57%
Other Income/Opex	49.82%	55.07%	63.64%	52.27%	47.05%	54.90%	54.38%	55.42%	46.12%	51.35%	43.84%	44.84%	43.33%	41.97%	44.73%	53.74%	55.65%	52.89%	53.15%	52.74%	45.39%	60.27%	50.40%	52.67%
Provisioning/Pbtp	4.95%	16.01%	14.69%	16.61%	21.00%	14.42%	4.56%	23.71%	10.20%	8.29%	10.70%	19.34%	7.03%	6.81%	7.21%	27.76%	36.96%	25.00%	26.73%	24.16%	22.96%	25.21%	34.74%	57.49%
OPM@	9.44%	6.41%	9.58%	5.33%	6.73%	4.63%	4.44%	4.82%	6.19%	-2.36%	9.04%	6.27%	10.42%	8.52%	12.27%	10.18%	3.65%	12.53%	10.14%	13.80%	13.45%	14.16%	16.84%	10.93%
PBT/NII	58.79%	53.17%	62.25%	49.80%	45.06%	52.33%	57.68%	47.18%	49.56%	44.06%	51.26%	44.06%	54.54%	51.47%	57.38%	47.37%	37.78%	50.62%	47.82%	52.04%	48.91%	55.19%	45.24%	27.88%
Other Income/Total Income	12.98%	13.59%	15.02%	13.10%	11.98%	13.65%	13.61%	13.68%	12.35%	15.94%	11.07%	11.53%	10.85%	10.78%	10.91%	13.71%	16.01%	12.85%	13.37%	12.58%	10.97%	14.19%	12.09%	13.29%
Book value per share	345.39	334.33	334.33	330.26	330.26	322.62	322.62	314.26	306.55	306.55	300.72	300.72	293.40	293.40	284.64	274.18	274.18	275.00	275.00	268.62	268.62	258.41	246.61	213.25
Adj Book Value	331.76	319.46	319.46	311.84	311.84	304.55	304.55	294.83	287.95	287.95	281.02	281.02	273.32	273.32	261.86	253.23	253.23	253.60	253.60	248.73	248.73	238.74	223.72	182.28
Gross NPAs	2,233.25	2,320.93	2,320.93	2,565.31	2,565.31	2,453.10	2,453.10	2,571.09	2,402.08	2,402.08	2,419.06	2,419.06	2,414.92	2,414.92	2,668.45	2,578.42	2,578.42	2,536.72	2,536.72	2,324.19	2,324.19	2,315.88	2,292.91	2,250.82
Net NPAs	736.38	803.22	803.22	994.70	994.70	975.96	975.96	1,049.53	1,004.55	1,004.55	1,063.57	1,063.57	1,083.08	1,083.08	1,228.25	1,129.18	1,129.18	1,060.06	1,060.06	888.94	888.94	877.71	1,021.27	1,376.97
Slippages	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	1,837.21	1,520.29
Restructured Account	763.00	806.00	806.00	868.00	868.00	939.00	939.00	888.00	995.00	995.00	1,114.00	1,114.00	1,268.00	1,268.00	1,395.00	1,579.00	1,579.00	1,837.00	1,837.00	2,214.00	2,214.00	2,533.00	2,571.00	4,115.00
% of Gross NPAs	2.58%	2.78%	2.78%	3.32%	3.32%	3.33%	3.33%	3.46%	3.08%	3.08%	3.11%	3.11%	3.21%	3.21%	3.54%	3.53%	3.53%	3.64%	3.64%	3.47%	3.47%	3.68%	3.74%	3.90%
% of Net NPAs	0.87%	0.98%	0.98%	1.31%	1.31%	1.35%	1.35%	1.44%	1.31%	1.31%	1.39%	1.39%	1.46%	1.46%	1.66%	1.58%	1.58%	1.55%	1.55%	1.36%	1.36%	1.43%	1.70%	2.42%
Slippage Ratio (annulised)	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—	3.24%	2.95%
Return on Assets	1.29%	1.05%	1.27%	0.97%	0.92%	1.00%	1.03%	0.97%	1.05%	0.81%	1.14%	0.92%	1.25%	1.13%	1.38%	1.22%	0.90%	1.32%	1.21%	1.37%	1.27%	1.47%	1.21%	0.56%
RoAE	—	10.82%	—	—	—	—	—	—	11.60%	—	—	—	—	—	—	14.48%	—	—	—	—	—	—	16.46%	7.94%
PCR without Tech W/off (%)	67.03%	65.39%	65.39%	61.22%	61.22%	60.22%	60.22%	59.18%	58.18%	58.18%	56.03%	56.03%	55.15%	55.15%	53.97%	56.21%	56.21%	58.21%	58.21%	61.75%	61.75%	62.10%	55.46%	38.82%
Business Numbers (Rs. Crores)
Business	195,497.10	190,588.38	190,588.38	179,810.53	179,810.53	174,969.74	174,969.74	175,987.63	181,348.97	181,348.97	176,597.64	176,597.64	173,920.27	173,920.27	174,178.72	169,566.47	169,566.47	160,411.00	160,411.00	154,954.05	154,954.05	148,449.00	147,319.63	137,169.98
Net Advances	85,101.10	81,809.63	81,809.63	75,699.01	75,699.01	72,152.55	72,152.55	72,745.46	76,541.48	76,541.48	76,478.64	76,478.64	73,952.28	73,952.28	74,014.80	71,508.64	71,508.64	68,216.00	68,216.00	65,422.32	65,422.32	61,489.00	59,951.62	56,783.14
- Net Advances Growth YoY	16.98%	6.88%	6.88%	-1.02%	-1.02%	-2.43%	-2.43%	-1.71%	7.04%	7.04%	12.11%	12.11%	13.04%	13.04%	20.37%	19.28%	19.28%	9.09%	9.09%	9.27%	9.27%	5.36%	5.58%	10.22%
Deposits	110,396.00	108,778.75	108,778.75	104,111.52	104,111.52	102,817.19	102,817.19	103,242.17	104,807.49	104,807.49	100,119.00	100,119.00	99,967.99	99,967.99	100,163.92	98,057.83	98,057.83	92,195.00	92,195.00	89,531.73	89,531.73	86,960.00	87,368.01	80,386.84
- Deposit Growth YoY	6.93%	3.79%	3.79%	3.99%	3.99%	2.85%	2.85%	3.07%	6.88%	6.88%	8.59%	8.59%	11.66%	11.66%	15.18%	12.24%	12.24%	8.98%	8.98%	9.68%	9.68%	7.92%	8.68%	6.25%
--Current deposits	7,112.00	7,781.00	7,781.00	6,162.00	6,162.00	6,100.00	6,100.00	5,910.00	7,094.00	7,094.00	5,678.00	5,678.00	5,763.00	5,763.00	5,671.00	6,180.64	6,180.64	5,085.00	5,085.00	5,168.00	5,168.00	4,650.00	5,314.23	4,826.75
--growth y-o-y	20.34%	9.68%	9.68%	8.52%	8.52%	5.85%	5.85%	4.21%	14.78%	14.78%	11.66%	11.66%	11.51%	11.51%	21.96%	16.30%	16.30%	10.81%	10.81%	10.84%	10.84%	-3.83%	10.10%	0.09%
--Savings deposits	28,675.00	28,779.00	28,779.00	26,667.00	26,667.00	25,782.00	25,782.00	25,925.00	26,187.00	26,187.00	24,619.00	24,619.00	24,993.00	24,993.00	24,918.00	25,167.27	25,167.27	23,910.00	23,910.00	23,402.00	23,402.00	23,342.42	23,491.00	21,672.84
--growth y-o-y	10.61%	9.90%	9.90%	8.32%	8.32%	3.16%	3.16%	4.04%	4.05%	4.05%	2.97%	2.97%	6.80%	6.80%	6.75%	7.14%	7.14%	6.73%	6.73%	5.76%	5.76%	8.10%	8.39%	14.06%
CASA	35,787.00	36,560.00	36,560.00	32,829.00	32,829.00	31,882.00	31,882.00	31,835.00	33,281.00	33,281.00	30,297.00	30,297.00	30,756.00	30,756.00	30,589.00	31,347.91	31,347.91	28,995.00	28,995.00	28,570.00	28,570.00	27,992.42	28,805.23	26,499.59
-- % of total Deposits	32.42%	33.61%	33.61%	31.53%	31.53%	31.01%	31.01%	30.84%	31.75%	31.75%	30.26%	30.26%	30.77%	30.77%	30.54%	31.97%	31.97%	31.45%	31.45%	31.91%	31.91%	32.19%	32.97%	32.97%
Cost Ratios as % of Total Income
Interest / Discount on advances	76.14%	74.92%	74.84%	74.95%	73.00%	75.92%	75.29%	76.52%	77.76%	78.15%	77.64%	78.44%	77.24%	79.22%	75.30%	78.63%	78.74%	78.59%	78.43%	78.67%	78.78%	78.56%	77.35%	76.15%
Income on Investments	18.16%	18.42%	18.80%	18.29%	19.03%	17.92%	18.65%	17.22%	16.27%	16.83%	16.08%	15.47%	16.38%	15.95%	16.80%	18.08%	17.43%	18.31%	18.15%	18.40%	18.30%	18.50%	19.70%	21.06%
Interest on bal with RBI and others	0.28%	0.52%	0.23%	0.62%	0.47%	0.70%	1.01%	0.39%	0.46%	0.21%	0.54%	0.83%	0.40%	0.60%	0.21%	0.22%	0.03%	0.29%	0.21%	0.33%	0.34%	0.31%	0.02%	0.51%
Others	5.42%	6.14%	6.13%	6.14%	7.49%	5.47%	5.04%	5.87%	5.51%	4.81%	5.74%	5.26%	5.98%	4.23%	7.70%	3.08%	3.81%	2.82%	3.21%	2.61%	2.58%	2.63%	2.93%	2.28%
other Income	14.92%	15.73%	17.67%	15.07%	13.62%	15.80%	15.76%	15.85%	14.08%	18.96%	12.45%	13.03%	12.17%	12.08%	12.25%	15.89%	19.06%	14.75%	15.43%	14.39%	12.32%	16.53%	13.75%	15.33%
Total Interest Expense	60.62%	65.03%	62.66%	65.83%	64.32%	66.59%	66.59%	66.59%	63.27%	65.43%	62.55%	64.66%	61.51%	62.69%	60.34%	60.25%	62.10%	59.58%	60.83%	58.92%	59.42%	58.41%	55.89%	59.96%
Net Interest Income	39.38%	34.97%	37.34%	34.17%	35.68%	33.41%	33.41%	33.41%	36.73%	34.57%	37.45%	35.34%	38.49%	37.31%	39.66%	39.75%	37.90%	40.42%	39.17%	41.08%	40.58%	41.59%	44.11%	40.04%
Wages	17.15%	14.55%	12.39%	15.29%	16.24%	14.81%	14.52%	15.09%	17.07%	23.29%	14.99%	15.28%	14.84%	15.66%	14.04%	16.54%	19.85%	15.35%	15.92%	15.05%	15.16%	14.94%	14.81%	16.31%
Other administrative Exps	12.79%	14.01%	15.38%	13.55%	12.70%	13.97%	14.45%	13.51%	13.47%	13.64%	13.42%	13.79%	13.23%	13.12%	13.34%	13.03%	14.40%	12.54%	13.12%	12.23%	11.98%	12.50%	12.47%	12.79%
Total Operating Expenses	29.94%	28.57%	27.77%	28.84%	28.94%	28.78%	28.98%	28.60%	30.54%	36.92%	28.41%	29.07%	28.08%	28.79%	27.38%	29.58%	34.25%	27.89%	29.04%	27.28%	27.13%	27.43%	27.28%	29.11%
Profit before Tax and Provisions	24.36%	22.14%	27.25%	20.41%	20.35%	20.43%	20.19%	20.66%	20.27%	16.61%	21.50%	19.31%	22.58%	20.61%	24.52%	26.07%	22.71%	27.28%	25.57%	28.19%	25.76%	30.69%	30.58%	26.26%
Provisions and contingencies	1.20%	3.54%	4.00%	3.39%	4.27%	2.95%	0.92%	4.90%	2.07%	1.38%	2.30%	3.73%	1.59%	1.40%	1.77%	7.24%	8.39%	6.82%	6.84%	6.81%	5.91%	7.74%	10.63%	15.10%
PBT	23.15%	18.59%	23.24%	17.02%	16.08%	17.49%	19.27%	15.76%	18.20%	15.23%	19.20%	15.57%	21.00%	19.20%	22.75%	18.83%	14.32%	20.46%	18.73%	21.38%	19.85%	22.95%	19.96%	11.16%
Income Tax	5.57%	3.90%	5.16%	3.47%	2.98%	3.71%	4.63%	2.83%	4.09%	4.05%	4.10%	2.93%	4.68%	4.16%	5.18%	3.09%	1.85%	3.54%	3.06%	3.79%	3.55%	4.03%	3.61%	2.99%
PAT	17.58%	14.70%	18.08%	13.55%	13.10%	13.77%	14.64%	12.93%	14.12%	11.17%	15.10%	12.64%	16.32%	15.04%	17.57%	15.74%	12.46%	16.92%	15.67%	17.59%	16.30%	18.93%	16.35%	8.17%

KVB

Karur Vysya Bank

Figures in Rs. Crores

View Reports

Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	2,516.24	9,111.37	2,365.16	6,746.21	2,286.37	4,459.84	2,329.21	2,130.63	8,007.65	2,080.45	5,922.24	2,058.07	3,864.17	1,976.13	1,888.04	6,851.05	1,824.88	5,019.43	1,793.73	3,225.70	1,656.67	1,569.03	5,326.95	4,525.48
Income on Investments	510.65	1,883.92	501.41	1,382.51	497.82	884.69	467.18	417.51	1,622.47	421.40	1,201.07	422.76	778.31	393.22	385.09	1,331.01	353.65	977.36	339.30	638.06	333.42	304.64	1,099.10	924.78
Interest on bal with RBI and others	18.05	39.09	11.23	27.86	5.23	22.63	7.11	15.52	20.12	9.82	10.30	2.32	7.98	3.71	4.27	22.05	3.64	18.41	4.31	14.10	5.98	8.12	82.60	134.33
Others	4.48	39.97	25.85	14.12	4.76	9.36	4.47	4.89	27.80	4.26	23.54	5.47	18.07	10.94	7.13	9.05	4.88	4.17	2.04	2.13	1.01	1.12	7.87	3.08
Total Fund based income	3,049.42	11,074.35	2,903.65	8,170.70	2,794.18	5,376.52	2,807.97	2,568.55	9,678.04	2,515.93	7,157.15	2,488.62	4,668.53	2,384.00	2,284.53	8,213.16	2,187.05	6,019.37	2,139.38	3,879.99	1,997.08	1,882.91	6,516.52	5,587.67
--growth y-o-y	18.72%	14.43%	15.41%	14.16%	12.28%	15.17%	17.78%	12.43%	17.84%	15.04%	18.90%	16.32%	20.32%	19.37%	21.33%	26.04%	23.68%	26.77%	26.20%	27.09%	26.44%	27.78%	16.62%	2.14%
--growth q-o-q	5.02%	—	3.92%	—	-0.49%	—	9.32%	2.09%	—	1.10%	—	4.39%	—	4.35%	4.46%	—	2.23%	—	7.13%	—	6.06%	6.48%	—	—
Other Income	441.79	2,084.32	615.80	1,468.52	508.95	959.57	512.32	447.25	1,829.55	509.33	1,325.18	464.82	860.36	472.01	388.35	1,649.47	626.37	1,029.84	357.79	672.05	338.89	333.16	1,158.94	784.18
Total Income	3,491.21	13,158.67	3,519.45	9,639.22	3,303.13	6,336.09	3,320.29	3,015.80	11,507.59	3,025.26	8,482.33	2,953.44	5,528.89	2,856.01	2,672.88	9,862.63	2,813.42	7,049.21	2,497.17	4,552.04	2,335.97	2,216.07	7,675.46	6,371.85
Total Interest Expense	1,626.67	6,135.80	1,544.88	4,590.92	1,554.93	3,035.99	1,546.79	1,489.20	5,418.12	1,426.67	3,991.45	1,407.22	2,584.23	1,324.05	1,260.18	4,394.74	1,189.11	3,205.63	1,138.09	2,067.54	1,081.70	985.84	3,167.74	2,872.30
--growth y-o-y	9.23%	13.25%	8.29%	15.02%	10.50%	17.48%	16.82%	18.17%	23.29%	19.98%	24.51%	23.65%	24.99%	22.40%	27.83%	38.73%	35.78%	39.86%	41.16%	39.16%	42.68%	35.48%	10.29%	-7.67%
--growth q-o-q	5.29%	—	-0.65%	—	0.53%	—	3.87%	4.38%	—	1.38%	—	6.28%	—	5.07%	5.98%	—	4.48%	—	5.21%	—	9.72%	12.57%	—	—
Net Interest Income	1,422.75	4,938.55	1,358.77	3,579.78	1,239.25	2,340.53	1,261.18	1,079.35	4,259.92	1,089.26	3,165.70	1,081.40	2,084.30	1,059.95	1,024.35	3,818.42	997.94	2,813.74	1,001.29	1,812.45	915.38	897.07	3,348.78	2,715.37
--growth y-o-y	31.82%	15.93%	24.74%	13.08%	14.60%	12.29%	18.98%	5.37%	11.56%	9.15%	12.51%	8.00%	15.00%	15.79%	14.19%	14.02%	11.80%	14.56%	12.63%	15.65%	11.45%	20.27%	23.33%	15.08%
--growth q-o-q	4.71%	—	9.64%	—	-1.74%	—	16.85%	-0.91%	—	0.73%	—	2.02%	—	3.48%	2.65%	—	-0.33%	—	9.39%	—	2.04%	0.50%	—	—
Operating Expenses
Employee Cost	399.27	1,434.04	340.75	1,093.29	363.22	730.07	365.13	364.94	1,449.21	384.93	1,064.28	373.82	690.46	357.00	333.46	1,461.03	439.75	1,021.28	374.73	646.55	327.64	318.91	1,005.96	945.03
Other administrative Exps	369.67	1,513.85	387.06	1,126.79	379.64	747.15	390.99	356.16	1,427.93	378.69	1,049.24	357.13	692.11	358.72	333.39	1,177.72	317.65	860.07	308.45	551.62	288.72	262.90	1,026.00	909.19
Total Operating Expenses	768.94	2,947.89	727.81	2,220.08	742.86	1,477.22	756.12	721.10	2,877.14	763.62	2,113.52	730.95	1,382.57	715.72	666.85	2,638.75	757.40	1,881.35	683.18	1,198.17	616.36	581.81	2,031.96	1,854.22
Profit before Tax and Provisions	1,095.60	4,074.98	1,246.76	2,828.22	1,005.34	1,822.88	1,017.38	805.50	3,212.33	834.97	2,377.36	815.27	1,562.09	816.24	745.85	2,829.14	866.91	1,962.23	675.90	1,286.33	637.91	648.42	2,475.76	1,645.33
--growth y-o-y	36.01%	26.85%	49.32%	18.96%	23.31%	16.69%	24.64%	8.00%	13.54%	-3.68%	21.16%	20.62%	21.44%	27.96%	15.03%	14.27%	17.30%	12.99%	-1.89%	22.77%	11.46%	36.38%	50.47%	15.11%
--growth q-o-q	-12.12%	—	24.01%	—	-1.18%	—	26.30%	-3.53%	—	2.42%	—	-0.12%	—	9.44%	-13.96%	—	28.26%	—	5.96%	—	-1.62%	-12.26%	—	—
Provisions and contingencies
Others	90.29	754.94	257.66	497.28	104.77	392.51	274.37	118.14	621.61	161.40	460.21	147.44	312.77	179.83	132.94	728.95	293.41	435.54	149.71	285.83	126.41	159.42	1,038.93	714.41
Total Provisions	90.29	754.94	257.66	497.28	104.77	392.51	274.37	118.14	621.61	161.40	460.21	147.44	312.77	179.83	132.94	728.95	293.41	435.54	149.71	285.83	126.41	159.42	1,038.93	714.41
Profit Before tax	1,005.31	3,320.04	989.10	2,330.94	900.57	1,430.37	743.01	687.36	2,590.72	673.57	1,917.15	667.83	1,249.32	636.41	612.91	2,100.19	573.50	1,526.69	526.19	1,000.50	511.50	489.00	1,436.83	930.92
Income Tax	249.61	809.71	264.14	545.57	210.61	334.96	169.05	165.91	649.08	160.21	488.87	171.80	317.07	162.81	154.26	495.38	117.40	377.98	114.56	263.42	133.05	130.37	330.77	257.65
effective tax rate	24.83%	24.39%	26.71%	23.41%	23.39%	23.42%	22.75%	24.14%	25.05%	23.79%	25.50%	25.73%	25.38%	25.58%	25.17%	23.59%	20.47%	24.76%	21.77%	26.33%	26.01%	26.66%	23.02%	27.68%
Net Profit	755.70	2,510.33	724.96	1,785.37	689.96	1,095.41	573.96	521.45	1,941.64	513.36	1,428.28	496.03	932.25	473.60	458.65	1,604.81	456.10	1,148.71	411.63	737.08	378.45	358.63	1,106.06	673.27
--growth y-o-y	44.92%	29.29%	41.22%	25.00%	39.10%	17.50%	21.19%	13.69%	20.99%	12.55%	24.34%	20.50%	26.48%	25.14%	27.89%	45.09%	35.01%	49.52%	42.29%	53.89%	51.24%	56.80%	64.28%	87.34%
--growth q-o-q	4.24%	—	5.07%	—	20.21%	—	10.07%	1.58%	—	3.49%	—	4.74%	—	3.26%	0.56%	—	10.80%	—	8.77%	—	5.53%	6.16%	—	—
Capital & Key Ratios
Equity Share Capital	193.33	193.33	193.33	193.32	193.32	193.28	193.28	161.05	161.02	161.02	161.00	161.00	160.96	160.96	160.94	160.88	160.88	160.76	160.76	160.53	160.53	160.48	160.41	160.00
Reserves	14,670.24	13,914.54	13,914.54	13,553.89	13,553.89	12,863.93	12,863.93	12,289.97	11,768.52	11,768.52	11,307.48	11,307.48	10,811.45	10,811.45	10,337.85	9,879.20	9,879.20	9,572.35	9,572.35	9,160.72	9,160.72	8,782.27	8,423.64	7,436.20
Capital Adequacy Ratio	18.61%	18.76%	18.76%	16.05%	16.05%	16.58%	16.58%	17.36%	18.17%	18.17%	15.91%	15.91%	16.28%	16.28%	16.47%	16.67%	16.67%	15.39%	15.39%	16.84%	16.84%	17.67%	18.56%	19.46%
Earning per share	7.82	25.97	7.50	18.47	7.14	11.33	5.94	6.48	24.12	6.38	17.74	6.16	11.58	5.88	5.70	19.95	5.67	14.29	5.12	9.18	4.72	4.47	13.79	8.42
DPS	—	2.60	—	—	—	—	—	—	2.60	—	—	—	—	—	—	2.40	—	—	—	—	—	—	2.00	1.60
Dividend Payout	—	10.01%	—	—	—	—	—	—	10.78%	—	—	—	—	—	—	12.03%	—	—	—	—	—	—	14.50%	19.01%
Cost to Income Ratio	41.24%	41.98%	36.86%	43.98%	42.49%	44.76%	42.63%	47.24%	47.25%	47.77%	47.06%	47.27%	46.95%	46.72%	47.20%	48.26%	46.63%	48.95%	50.27%	48.23%	49.14%	47.29%	45.08%	52.98%
Book value per share	153.76	145.95	145.95	142.22	142.22	135.11	135.11	154.62	148.17	148.17	142.47	142.47	136.34	136.34	130.47	124.81	124.81	121.09	121.09	116.13	116.13	111.45	107.03	94.95
Adj Book Value	152.35	144.60	144.60	140.89	140.89	133.84	133.84	153.14	146.73	146.73	141.02	141.02	134.43	134.43	127.91	122.22	122.22	118.43	118.43	113.31	113.31	108.05	102.94	83.92
Gross NPAs	771.89	743.91	743.91	686.94	686.94	707.83	707.83	592.60	641.80	641.80	690.92	690.92	885.61	885.61	1,024.53	1,041.64	1,041.64	1,151.86	1,151.86	1,219.08	1,219.08	1,329.65	1,458.15	3,431.04
Net NPAs	195.76	186.21	186.21	183.29	183.29	175.75	175.75	170.26	166.21	166.21	166.69	166.69	219.22	219.22	293.66	297.97	297.97	305.27	305.27	323.63	323.63	390.02	468.15	1,260.79
% of Gross NPAs	0.74%	0.75%	0.75%	0.71%	0.71%	0.76%	0.76%	0.66%	0.76%	0.76%	0.83%	0.83%	1.10%	1.10%	1.32%	1.40%	1.40%	1.58%	1.58%	1.73%	1.73%	1.99%	2.27%	5.96%
% of Net NPAs	0.19%	0.19%	0.19%	0.19%	0.19%	0.19%	0.19%	0.19%	0.20%	0.20%	0.20%	0.20%	0.28%	0.28%	0.38%	0.40%	0.40%	0.42%	0.42%	0.47%	0.47%	0.59%	0.74%	2.28%
Return on Assets	2.11%	1.93%	2.10%	1.87%	2.05%	1.77%	1.81%	1.73%	1.72%	1.73%	1.72%	1.74%	1.71%	1.72%	1.70%	1.63%	1.76%	1.58%	1.65%	1.55%	1.57%	1.53%	1.27%	0.86%
PCR without Tech W/off (%)	74.64%	74.97%	74.97%	73.32%	73.32%	75.17%	75.17%	71.27%	74.10%	74.10%	75.87%	75.87%	75.25%	75.25%	71.34%	71.39%	71.39%	73.50%	73.50%	73.45%	73.45%	70.67%	67.89%	63.25%
Business Numbers (Rs. Crores)
Business	226,686.00	213,856.35	213,856.35	211,137.00	211,137.00	202,676.50	202,676.50	195,594.00	186,082.53	186,082.53	181,457.00	181,457.00	175,457.32	175,457.32	169,314.00	162,780.20	162,780.20	157,463.00	157,463.00	152,575.86	152,575.86	146,688.00	139,771.72	124,010.78
Net Advances	104,099.00	98,190.61	98,190.61	96,542.00	96,542.00	92,184.86	92,184.86	88,944.00	84,004.54	84,004.54	82,302.00	82,302.00	79,618.80	79,618.80	76,965.00	73,667.48	73,667.48	71,798.00	71,798.00	69,507.36	69,507.36	65,973.00	63,134.14	55,334.62
- Net Advances Growth YoY	17.04%	16.89%	16.89%	17.30%	17.30%	15.78%	15.78%	15.56%	14.03%	14.03%	14.63%	14.63%	14.55%	14.55%	16.66%	16.68%	16.68%	17.89%	17.89%	15.53%	15.53%	16.07%	14.10%	9.87%
Deposits	122,587.00	115,665.74	115,665.74	114,595.00	114,595.00	110,491.64	110,491.64	106,650.00	102,077.99	102,077.99	99,155.00	99,155.00	95,838.52	95,838.52	92,349.00	89,112.72	89,112.72	85,665.00	85,665.00	83,068.50	83,068.50	80,715.00	76,637.58	68,676.16
- Deposit Growth YoY	14.94%	13.31%	13.31%	15.57%	15.57%	15.29%	15.29%	15.49%	14.55%	14.55%	15.75%	15.75%	15.37%	15.37%	14.41%	16.28%	16.28%	12.82%	12.82%	12.84%	12.84%	13.75%	11.59%	8.53%
--Savings deposits	22,885.00	21,984.00	21,984.00	21,277.00	21,277.00	20,779.00	20,779.00	19,914.00	19,479.00	19,479.00	19,339.00	19,339.00	19,391.00	19,391.00	19,315.00	18,802.00	18,802.00	18,504.00	18,504.00	18,639.00	18,639.00	18,432.00	17,995.00	16,983.00
--Current deposits	10,891.00	9,138.00	9,138.00	9,922.00	9,922.00	9,776.00	9,776.00	9,392.00	8,353.00	8,353.00	8,828.00	8,828.00	8,841.00	8,841.00	8,727.00	8,283.00	8,283.00	8,508.00	8,508.00	8,155.00	8,155.00	8,117.00	7,454.00	6,921.00
CASA	33,776.00	31,122.00	31,122.00	31,199.00	31,199.00	30,555.00	30,555.00	29,306.00	27,832.00	27,832.00	28,167.00	28,167.00	28,232.00	28,232.00	28,042.00	27,085.00	27,085.00	27,012.00	27,012.00	26,794.00	26,794.00	26,549.00	25,449.00	23,904.00
-- % of total Deposits	27.55%	26.91%	26.91%	27.23%	27.23%	27.65%	27.65%	27.48%	27.27%	27.27%	28.41%	28.41%	29.46%	29.46%	30.37%	30.39%	30.39%	31.53%	31.53%	32.26%	32.26%	32.89%	33.21%	34.81%
Cost Ratios as % of Total Income
Interest / Discount on advances	82.52%	82.27%	81.45%	82.57%	81.83%	82.95%	82.95%	82.95%	82.74%	82.69%	82.75%	82.70%	82.77%	82.89%	82.64%	83.42%	83.44%	83.39%	83.84%	83.14%	82.95%	83.33%	81.75%	80.99%
Income on Investments	16.75%	17.01%	17.27%	16.92%	17.82%	16.45%	16.64%	16.25%	16.76%	16.75%	16.78%	16.99%	16.67%	16.49%	16.86%	16.21%	16.17%	16.24%	15.86%	16.44%	16.70%	16.18%	16.87%	16.55%
Interest on bal with RBI and other banks	0.59%	0.35%	0.39%	0.34%	0.19%	0.42%	0.25%	0.60%	0.21%	0.39%	0.14%	0.09%	0.17%	0.16%	0.19%	0.27%	0.17%	0.31%	0.20%	0.36%	0.30%	0.43%	1.27%	2.40%
Others	0.15%	0.36%	0.89%	0.17%	0.17%	0.17%	0.16%	0.19%	0.29%	0.17%	0.33%	0.22%	0.39%	0.46%	0.31%	0.11%	0.22%	0.07%	0.10%	0.05%	0.05%	0.06%	0.12%	0.06%
Other Income	14.49%	18.82%	21.21%	17.97%	18.21%	17.85%	18.25%	17.41%	18.90%	20.24%	18.52%	18.68%	18.43%	19.80%	17.00%	20.08%	28.64%	17.11%	16.72%	17.32%	16.97%	17.69%	17.78%	14.03%
Total Interest Expense	53.34%	55.41%	53.20%	56.19%	55.65%	56.47%	55.09%	57.98%	55.98%	56.71%	55.77%	56.55%	55.35%	55.54%	55.16%	53.51%	54.37%	53.26%	53.20%	53.29%	54.16%	52.36%	48.61%	51.40%
Net Interest Income	46.66%	44.59%	46.80%	43.81%	44.35%	43.53%	44.91%	42.02%	44.02%	43.29%	44.23%	43.45%	44.65%	44.46%	44.84%	46.49%	45.63%	46.74%	46.80%	46.71%	45.84%	47.64%	51.39%	48.60%
Wages	13.09%	12.95%	11.74%	13.38%	13.00%	13.58%	13.00%	14.21%	14.97%	15.30%	14.87%	15.02%	14.79%	14.97%	14.60%	17.79%	20.11%	16.97%	17.52%	16.66%	16.41%	16.94%	15.44%	16.91%
Other administrative Exps	12.12%	13.67%	13.33%	13.79%	13.59%	13.90%	13.92%	13.87%	14.75%	15.05%	14.66%	14.35%	14.83%	15.05%	14.59%	14.34%	14.52%	14.29%	14.42%	14.22%	14.46%	13.96%	15.74%	16.27%
Total Operating Expenses	25.22%	26.62%	25.07%	27.17%	26.59%	27.48%	26.93%	28.07%	29.73%	30.35%	29.53%	29.37%	29.61%	30.02%	29.19%	32.13%	34.63%	31.25%	31.93%	30.88%	30.86%	30.90%	31.18%	33.18%
Profit before Tax and Provisions	35.93%	36.80%	42.94%	34.61%	35.98%	33.90%	36.23%	31.36%	33.19%	33.19%	33.22%	32.76%	33.46%	34.24%	32.65%	34.45%	39.64%	32.60%	31.59%	33.15%	31.94%	34.44%	37.99%	29.45%
Provisions and contingencies	2.96%	6.82%	8.87%	6.09%	3.75%	7.30%	9.77%	4.60%	6.42%	6.42%	6.43%	5.92%	6.70%	7.54%	5.82%	8.88%	13.42%	7.24%	7.00%	7.37%	6.33%	8.47%	15.94%	12.79%
PBT	32.97%	29.98%	34.06%	28.53%	32.23%	26.60%	26.46%	26.76%	26.77%	26.77%	26.79%	26.84%	26.76%	26.70%	26.83%	25.57%	26.22%	25.36%	24.60%	25.79%	25.61%	25.97%	22.05%	16.66%
Income Tax	8.19%	7.31%	9.10%	6.68%	7.54%	6.23%	6.02%	6.46%	6.71%	6.37%	6.83%	6.90%	6.79%	6.83%	6.75%	6.03%	5.37%	6.28%	5.35%	6.79%	6.66%	6.92%	5.08%	4.61%
PAT	24.78%	22.67%	24.97%	21.85%	24.69%	20.37%	20.44%	20.30%	20.06%	20.40%	19.96%	19.93%	19.97%	19.87%	20.08%	19.54%	20.85%	19.08%	19.24%	19.00%	18.95%	19.05%	16.97%	12.05%

Kotak

Kotak Mahindra Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	11,271.24	43,055.01	11,008.40	32,046.61	10,826.97	21,219.64	10,605.13	10,614.51	40,746.17	10,485.22	30,260.95	10,348.96	19,911.99	10,132.72	9,779.27	35,657.99	9,473.58	26,184.41	9,209.87	16,974.54	8,676.30	8,298.24	26,978.45	19,378.69
Income on Investments	2,673.14	10,835.62	2,681.83	8,153.79	2,623.15	5,530.64	2,661.37	2,869.27	10,828.90	2,743.35	8,085.55	2,721.46	5,364.09	2,771.91	2,592.18	8,898.08	2,466.42	6,431.66	2,275.79	4,155.87	2,148.47	2,007.40	6,458.65	6,689.26
Interest on bal with RBI and others	370.85	1,122.54	346.88	775.66	321.45	454.21	235.19	219.02	894.53	153.29	741.24	244.97	496.27	224.47	271.80	779.38	160.13	619.25	239.88	379.37	273.55	105.82	550.29	723.42
Others	162.26	550.80	137.66	413.14	131.68	281.46	147.72	133.74	450.13	147.91	302.22	112.19	190.03	87.17	102.86	463.46	206.93	256.53	73.48	183.05	94.51	88.54	263.46	247.45
Total Fund based income	14,477.49	55,563.97	14,174.77	41,389.20	13,903.25	27,485.95	13,649.41	13,836.54	52,919.73	13,529.77	39,389.96	13,427.58	25,962.38	13,216.27	12,746.11	45,798.91	12,307.06	33,491.85	11,799.02	21,692.83	11,192.83	10,500.00	34,250.85	27,038.82
--growth y-o-y	4.63%	5.00%	4.77%	5.08%	3.54%	5.87%	3.28%	8.56%	15.55%	9.94%	17.61%	13.80%	19.68%	18.08%	21.39%	33.72%	25.31%	37.09%	31.12%	40.58%	38.31%	43.08%	26.67%	0.74%
--growth q-o-q	2.14%	—	1.95%	—	1.86%	—	-1.35%	2.27%	—	0.76%	—	1.60%	—	3.69%	3.57%	—	4.31%	—	5.42%	—	6.60%	6.91%	—	—
Other Income	3,338.20	11,623.29	3,116.33	8,506.96	2,837.80	5,669.16	2,589.18	3,079.98	11,418.49	3,182.46	8,236.03	2,622.80	5,613.23	2,684.19	2,929.04	10,273.10	2,978.29	7,294.81	2,297.02	4,997.79	2,314.53	2,683.26	7,234.71	5,985.92
Total Income	17,815.69	67,187.26	17,291.10	49,896.16	16,741.05	33,155.11	16,238.59	16,916.52	64,338.22	16,712.23	47,625.99	16,050.38	31,575.61	15,900.46	15,675.15	56,072.01	15,285.35	40,786.66	14,096.04	26,690.62	13,507.36	13,183.26	41,485.56	33,024.74
Total Interest Expense	6,549.06	25,553.90	6,299.30	19,254.60	6,338.68	12,915.92	6,338.67	6,577.25	24,577.95	6,246.20	18,331.75	6,231.33	12,100.42	6,196.66	5,903.76	19,805.71	5,397.71	14,408.00	5,245.50	9,162.50	4,896.19	4,266.31	12,698.93	10,220.91
--growth y-o-y	-0.43%	3.97%	0.85%	5.03%	1.72%	6.74%	2.29%	11.41%	24.10%	15.72%	27.23%	18.79%	32.06%	26.56%	38.38%	55.96%	45.16%	60.44%	56.78%	62.60%	63.57%	61.51%	24.24%	-11.13%
--growth q-o-q	3.96%	—	-0.62%	—	0.00%	—	-3.63%	5.30%	—	0.24%	—	0.56%	—	4.96%	9.38%	—	2.90%	—	7.13%	—	14.76%	14.74%	—	—
Net Interest Income	7,928.43	30,010.07	7,875.47	22,134.60	7,564.57	14,570.03	7,310.74	7,259.29	28,341.78	7,283.57	21,058.21	7,196.25	13,861.96	7,019.61	6,842.35	25,993.20	6,909.35	19,083.85	6,553.52	12,530.33	6,296.64	6,233.69	21,551.92	16,817.91
--growth y-o-y	9.22%	5.89%	8.13%	5.11%	5.12%	5.11%	4.15%	6.09%	9.04%	5.42%	10.35%	9.81%	10.63%	11.48%	9.76%	20.61%	13.22%	23.53%	15.93%	27.91%	23.48%	32.72%	28.15%	9.64%
--growth q-o-q	0.67%	—	4.11%	—	3.47%	—	0.71%	-0.33%	—	1.21%	—	2.52%	—	2.59%	-0.97%	—	5.43%	—	4.08%	—	1.01%	2.15%	—	—
Operating Expenses
Employee Cost	2,210.31	8,351.67	2,060.81	6,290.86	2,245.81	4,045.05	1,979.53	2,065.52	7,880.63	2,106.26	5,774.37	1,952.48	3,821.89	1,951.39	1,870.50	6,856.37	1,826.42	5,029.95	1,748.34	3,281.61	1,634.61	1,647.00	5,519.83	4,582.35
Other administrative Exps	2,924.97	11,214.79	3,075.82	8,138.97	2,776.79	5,362.18	2,652.12	2,710.06	10,873.07	2,887.57	7,985.50	2,685.56	5,299.94	2,653.16	2,646.78	9,822.48	2,599.66	7,222.82	2,535.99	4,686.83	2,366.45	2,320.38	8,418.82	6,170.61
Total Operating Expenses	5,135.28	19,566.46	5,136.63	14,429.83	5,022.60	9,407.23	4,631.65	4,775.58	18,753.70	4,993.83	13,759.87	4,638.04	9,121.83	4,604.55	4,517.28	16,678.85	4,426.08	12,252.77	4,284.33	7,968.44	4,001.06	3,967.38	13,938.65	10,752.96
Profit Before Tax and Provisions	6,131.35	22,066.90	5,855.17	16,211.73	5,379.77	10,831.96	5,268.27	5,563.69	21,006.57	5,472.20	15,534.37	5,181.01	10,353.36	5,099.25	5,254.11	19,587.45	5,461.56	14,125.89	4,566.21	9,559.68	4,610.11	4,949.57	14,847.98	12,050.87
--growth y-o-y	10.20%	5.05%	7.00%	4.36%	3.84%	4.62%	3.31%	5.89%	7.25%	0.19%	9.97%	13.46%	8.30%	10.61%	6.15%	31.92%	17.52%	38.48%	18.61%	50.53%	29.22%	77.83%	23.21%	-1.34%
--growth q-o-q	4.72%	—	8.84%	—	2.12%	—	-5.31%	1.67%	—	5.62%	—	1.60%	—	-2.95%	-3.80%	—	19.61%	—	-0.95%	—	-6.86%	6.50%	—	—
Provisions and contingencies
Provisions and contingencies	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Provisions	668.13	3,481.18	516.42	2,964.76	809.58	2,155.18	947.42	1,207.76	2,942.36	909.38	2,032.98	794.11	1,238.87	660.39	578.48	1,573.73	263.73	1,310.00	579.14	730.86	366.55	364.31	456.99	689.56
Profit Before tax	5,463.22	18,585.72	5,338.75	13,246.97	4,570.19	8,676.78	4,320.85	4,355.93	18,064.21	4,562.82	13,501.39	4,386.90	9,114.49	4,438.86	4,675.63	18,013.72	5,197.83	12,815.89	3,987.07	8,828.82	4,243.56	4,585.26	14,390.99	11,361.31
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3,519.90	0.00	3,519.90	0.00	3,519.90	0.00	3,519.90	—	0.00	—	0.00	—	0.00	0.00	—	—
Income Tax	1,340.26	4,578.02	1,312.20	3,265.82	1,124.05	2,141.77	1,067.52	1,074.25	5,134.03	1,011.08	4,122.95	1,082.10	3,040.85	1,095.14	1,945.71	4,232.14	1,064.53	3,167.61	982.06	2,185.55	1,052.59	1,132.96	3,451.69	2,788.62
effective tax rate	24.53%	24.63%	24.58%	24.65%	24.60%	24.68%	24.71%	24.66%	28.42%	22.16%	30.54%	24.67%	33.36%	24.67%	41.61%	23.49%	20.48%	24.72%	24.63%	24.75%	24.80%	24.71%	23.99%	24.54%
Net Profit	4,122.96	14,007.70	4,026.55	9,981.15	3,446.14	6,535.01	3,253.33	3,281.68	16,450.08	3,551.74	12,898.34	3,304.80	9,593.54	3,343.72	6,249.82	13,781.58	4,133.30	9,648.28	3,005.01	6,643.27	3,190.97	3,452.30	10,939.30	8,572.69
--growth y-o-y	25.64%	-14.85%	13.37%	-22.62%	4.28%	-31.88%	-2.70%	-47.49%	19.36%	-14.07%	33.69%	9.98%	44.41%	4.79%	81.03%	25.98%	18.24%	29.62%	7.63%	42.81%	23.65%	66.69%	27.61%	23.09%
--growth q-o-q	2.39%	—	16.84%	—	5.93%	—	-0.86%	-7.60%	—	7.47%	—	-1.16%	—	-46.50%	51.21%	—	37.55%	—	-5.83%	—	-7.57%	-1.24%	—	—
Capital & Key Ratios
Equity Share Capital	994.67	994.65	994.65	994.55	994.55	994.30	994.30	994.16	994.11	994.11	994.09	994.09	994.06	994.06	993.98	993.96	993.96	993.83	993.83	993.75	993.75	993.61	993.28	992.33
Reserves	134,203.96	134,203.94	134,203.94	156,400.94	156,400.94	156,400.89	156,400.89	156,400.89	156,400.97	156,400.97	128,898.48	128,898.48	128,898.49	128,898.49	128,898.95	128,898.44	128,898.44	110,760.66	110,760.66	110,760.72	110,760.72	110,760.80	110,760.81	95,641.70
Gross NPAs	6,121.83	6,017.81	6,017.81	6,319.82	6,319.82	6,479.58	6,479.58	6,637.70	6,133.85	6,133.85	6,266.25	6,266.25	6,033.17	6,033.17	5,477.15	5,274.78	5,274.78	—	6,301.67	—	6,087.23	5,909.24	5,768.32	6,469.74
Net NPAs	1,357.56	1,262.51	1,262.51	1,496.85	1,496.85	1,490.98	1,490.98	1,530.93	1,343.44	1,343.44	1,680.98	1,680.98	1,723.83	1,723.83	1,376.33	1,270.57	1,270.57	—	1,225.26	—	1,274.81	1,301.80	1,193.30	1,736.71
% of Gross NPAs	1.18%	1.20%	1.20%	1.30%	1.30%	1.39%	1.39%	1.48%	1.42%	1.42%	1.50%	1.50%	1.49%	1.49%	1.39%	1.39%	1.39%	—	1.73%	—	1.72%	1.77%	1.78%	2.34%
% of Net NPAs	0.27%	0.25%	0.25%	0.31%	0.31%	0.32%	0.32%	0.34%	0.31%	0.31%	0.41%	0.41%	0.43%	0.43%	0.35%	0.34%	0.34%	—	0.34%	—	0.37%	0.40%	0.37%	0.64%
PCR without Tech W/off (%)	77.82%	79.02%	79.02%	76.31%	76.31%	76.99%	76.99%	76.94%	78.10%	78.10%	73.17%	73.17%	71.43%	71.43%	74.87%	75.91%	75.91%	—	80.56%	—	79.06%	77.97%	79.31%	73.16%
Capital Adequacy Ratio	22.80%	22.40%	22.40%	22.63%	22.63%	22.05%	22.05%	23.00%	22.25%	22.25%	22.79%	22.79%	22.61%	22.61%	22.40%	20.55%	20.55%	—	19.00%	—	20.03%	21.12%	21.80%	22.69%
CET 1	22.40%	21.30%	21.30%	21.50%	21.50%	20.90%	20.90%	21.80%	21.10%	21.10%	21.70%	21.70%	21.30%	21.30%	21.30%	19.20%	19.20%	—	20.10%	—	20.60%	20.90%	20.60%	21.70%
Net Interest Margin (%)	4.53%	4.60%	4.67%	4.58%	4.54%	4.60%	4.54%	4.65%	4.96%	4.97%	4.95%	4.93%	4.96%	4.91%	5.02%	5.32%	5.28%	—	5.22%	—	5.22%	5.57%	5.33%	4.61%
Return on Assets	2.14%	1.97%	2.14%	1.91%	1.92%	1.91%	1.88%	1.94%	2.65%	2.16%	2.12%	2.12%	2.27%	2.17%	2.38%	2.61%	2.96%	0.00%	2.20%	0.00%	2.45%	2.81%	2.47%	2.13%
Return on Equity	11.98%	11.08%	12.27%	10.67%	10.68%	10.66%	10.38%	10.94%	12.57%	12.45%	12.59%	11.63%	—	12.23%	13.91%	15.34%	17.54%	—	13.10%	—	14.38%	16.34%	14.15%	16.18%
Earning per share	4.15	14.08	4.05	50.18	3.47	32.86	3.27	3.30	16.55	3.57	64.88	16.62	48.25	16.82	31.44	69.33	20.79	48.54	15.12	33.43	16.06	17.37	55.07	43.19
DPS	—	0.65	—	—	—	—	—	—	2.50	—	—	—	—	—	—	2.00	—	—	—	—	—	—	1.50	1.10
Dividend Payout	—	4.62%	—	—	—	—	—	—	15.11%	—	—	—	—	—	—	2.88%	—	—	—	—	—	—	2.72%	2.55%
Branches	2,301.00	2,276.00	2,276.00	2,218.00	2,218.00	2,198.00	2,198.00	2,154.00	2,148.00	2,148.00	2,068.00	2,068.00	2,013.00	2,013.00	1,965.00	1,948.00	1,948.00	1,869.00	1,869.00	1,850.00	1,850.00	1,788.00	1,780.00	1,700.00
Cost to Income Ratio	45.58%	47.00%	46.73%	47.09%	48.28%	46.48%	46.78%	46.19%	47.17%	47.71%	46.97%	47.24%	46.84%	47.45%	46.23%	45.99%	44.76%	46.45%	48.41%	45.46%	46.46%	44.49%	48.42%	47.15%
Book value per share	141.23	135.50	135.50	131.28	131.28	125.51	125.51	123.89	117.59	117.59	115.30	115.30	111.05	111.05	106.70	96.65	96.65	0.00	92.89	0.00	89.87	86.99	83.35	72.40
Adj Book Value	674.84	675.19	675.19	786.02	786.02	786.24	786.24	786.21	786.91	786.91	647.41	647.41	647.27	647.27	648.55	648.93	648.93	562.24	557.93	562.29	557.80	557.78	558.35	480.78
Business (Standalone)	1,085,069.00	1,068,465.29	1,068,465.29	1,023,311.00	1,023,311.00	991,463.63	991,463.63	957,661.00	925,964.33	925,964.33	887,336.00	887,336.00	860,975.84	860,975.84	837,375.00	825,029.02	825,029.02	768,224.00	768,224.00	749,246.92	749,246.92	714,836.00	682,957.26	582,937.71
Net Advances	512,249.00	496,009.16	496,009.16	480,673.00	480,673.00	462,687.61	462,687.61	444,823.00	426,909.20	426,909.20	413,839.00	413,839.00	399,521.64	399,521.64	389,957.00	376,075.27	376,075.27	359,588.00	359,588.00	348,284.06	348,284.06	328,582.00	319,861.21	271,253.60
- Net Advances Growth YoY	15.16%	16.19%	16.19%	16.15%	16.15%	15.81%	15.81%	14.07%	13.52%	13.52%	15.09%	15.09%	14.71%	14.71%	18.68%	17.57%	17.57%	15.72%	15.72%	18.45%	18.45%	17.28%	17.92%	21.26%
Deposits	572,820.00	572,456.13	572,456.13	542,638.00	542,638.00	528,776.02	528,776.02	512,838.00	499,055.13	499,055.13	473,497.00	473,497.00	461,454.20	461,454.20	447,418.00	448,953.75	448,953.75	408,636.00	408,636.00	400,962.86	400,962.86	386,254.00	363,096.05	311,684.11
- Deposit Growth YoY	11.70%	14.71%	14.71%	14.60%	14.60%	14.59%	14.59%	14.62%	11.16%	11.16%	15.87%	15.87%	15.09%	15.09%	15.84%	23.65%	23.65%	18.56%	18.56%	23.30%	23.30%	22.05%	16.49%	11.28%
--Savings deposits	142,729.00	146,076.00	146,076.00	133,904.00	133,904.00	133,904.00	133,904.00	127,945.00	131,556.00	131,556.00	125,512.00	125,512.00	129,975.00	129,975.00	124,078.00	129,096.00	129,096.00	126,261.00	126,261.00	124,655.00	124,655.00	124,567.00	121,785.00	124,472.00
--Current deposits	88,288.00	101,647.00	101,647.00	89,887.00	89,887.00	89,887.00	89,887.00	81,700.00	82,861.00	82,861.00	74,899.00	74,899.00	71,299.00	71,299.00	70,144.00	75,208.00	75,208.00	68,788.00	68,788.00	68,824.00	68,824.00	64,722.00	70,030.00	64,662.00
CASA	231,017.00	247,723.00	247,723.00	223,791.00	223,791.00	223,791.00	223,791.00	209,645.00	214,417.00	214,417.00	200,411.00	200,411.00	201,274.00	201,274.00	194,222.00	204,304.00	204,304.00	195,049.00	195,049.00	193,479.00	193,479.00	189,289.00	191,815.00	189,134.00
-- % of total Deposits	40.33%	43.27%	43.27%	41.24%	41.24%	42.32%	42.32%	40.88%	42.96%	42.96%	42.33%	42.33%	43.62%	43.62%	43.41%	45.51%	45.51%	47.73%	47.73%	48.25%	48.25%	49.01%	52.83%	60.68%
Cost Ratios as % of Total Income
Interest / Discount on advances	77.85%	77.49%	77.66%	77.43%	77.87%	77.20%	77.70%	76.71%	77.00%	77.50%	76.82%	77.07%	76.70%	76.67%	76.72%	77.86%	76.98%	78.18%	78.06%	78.25%	77.52%	79.03%	78.77%	71.67%
Income on Investments	18.46%	19.50%	18.92%	19.70%	18.87%	20.12%	19.50%	20.74%	20.46%	20.28%	20.53%	20.27%	20.66%	20.97%	20.34%	19.43%	20.04%	19.20%	19.29%	19.16%	19.20%	19.12%	18.86%	24.74%
Interest on bal with RBI and others	2.56%	2.02%	2.45%	1.87%	2.31%	1.65%	1.72%	1.58%	1.69%	1.13%	1.88%	1.82%	1.91%	1.70%	2.13%	1.70%	1.30%	1.85%	2.03%	1.75%	2.44%	1.01%	1.61%	2.68%
Others	1.12%	0.99%	0.97%	1.00%	0.95%	1.02%	1.08%	0.97%	0.85%	1.09%	0.77%	0.84%	0.73%	0.66%	0.81%	1.01%	1.68%	0.77%	0.62%	0.84%	0.84%	0.84%	0.77%	0.92%
Other income	23.06%	20.92%	21.99%	20.55%	20.41%	20.63%	18.97%	22.26%	21.58%	23.52%	20.91%	19.53%	21.62%	20.31%	22.98%	22.43%	24.20%	21.78%	19.47%	23.04%	20.68%	25.55%	21.12%	22.14%
Total Interest Expense	45.24%	45.99%	44.44%	46.52%	45.59%	46.99%	46.44%	47.54%	46.44%	46.17%	46.54%	46.41%	46.61%	46.89%	46.32%	43.24%	43.86%	43.02%	44.46%	42.24%	43.74%	40.63%	37.08%	37.80%
Net Interest Income	54.76%	54.01%	55.56%	53.48%	54.41%	53.01%	53.56%	52.46%	53.56%	53.83%	53.46%	53.59%	53.39%	53.11%	53.68%	56.76%	56.14%	56.98%	55.54%	57.76%	56.26%	59.37%	62.92%	62.20%
Wages	15.27%	15.03%	14.54%	15.20%	16.15%	14.72%	14.50%	14.93%	14.89%	15.57%	14.66%	14.54%	14.72%	14.77%	14.68%	14.97%	14.84%	15.02%	14.82%	15.13%	14.60%	15.69%	16.12%	16.95%
Other administrative Exps	20.20%	20.18%	21.70%	19.66%	19.97%	19.51%	19.43%	19.59%	20.55%	21.34%	20.27%	20.00%	20.41%	20.07%	20.77%	21.45%	21.12%	21.57%	21.49%	21.61%	21.14%	22.10%	24.58%	22.82%
Total Operating Expenses	35.47%	35.21%	36.24%	34.86%	36.13%	34.23%	33.93%	34.51%	35.44%	36.91%	34.93%	34.54%	35.13%	34.84%	35.44%	36.42%	35.96%	36.58%	36.31%	36.73%	35.75%	37.78%	40.70%	39.77%
Profit before Tax and Provisions	42.35%	39.71%	41.31%	39.17%	38.69%	39.41%	38.60%	40.21%	39.70%	40.45%	39.44%	38.58%	39.88%	38.58%	41.22%	42.77%	44.38%	42.18%	38.70%	44.07%	41.19%	47.14%	43.35%	44.57%
Provisions and contingencies	4.61%	6.27%	3.64%	7.16%	5.82%	7.84%	6.94%	8.73%	5.56%	6.72%	5.16%	5.91%	4.77%	5.00%	4.54%	3.44%	2.14%	3.91%	4.91%	3.37%	3.27%	3.47%	1.33%	2.55%
PBT	37.74%	33.45%	37.66%	32.01%	32.87%	31.57%	31.66%	31.48%	34.14%	33.72%	34.28%	32.67%	35.11%	33.59%	36.68%	39.33%	42.23%	38.27%	33.79%	40.70%	37.91%	43.67%	42.02%	42.02%
Income Tax	9.26%	8.24%	9.26%	7.89%	8.08%	7.79%	7.82%	7.76%	9.70%	7.47%	10.47%	8.06%	11.71%	8.29%	15.27%	9.24%	8.65%	9.46%	8.32%	10.07%	9.40%	10.79%	10.08%	10.31%
PAT	28.48%	25.21%	28.41%	24.12%	24.79%	23.78%	23.83%	23.72%	31.08%	26.25%	32.75%	24.61%	36.95%	25.30%	49.03%	30.09%	33.58%	28.81%	25.47%	30.62%	28.51%	32.88%	31.94%	31.71%

RBL

RBL Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	3,107.14	11,659.95	3,009.43	8,650.52	3,010.24	5,640.28	2,867.83	2,772.45	11,224.76	2,799.45	8,425.31	2,846.09	5,579.22	2,829.05	2,750.17	9,978.49	2,679.25	7,299.24	2,598.78	4,700.46	2,430.12	2,270.34	7,403.14	6,316.88
Income on Investments	538.39	2,145.44	554.97	1,590.47	521.62	1,068.85	520.83	548.02	2,147.28	563.65	1,583.63	533.24	1,050.39	527.41	522.98	2,034.05	513.40	1,520.65	501.46	1,019.19	500.99	518.20	1,625.65	1,347.56
Interest on bal with RBI and others	144.42	322.71	111.78	210.93	79.36	131.57	63.63	67.94	302.45	54.69	247.76	87.34	160.42	93.11	67.31	161.77	58.15	103.62	40.91	62.71	33.99	28.72	265.16	362.11
Others	50.30	207.45	44.07	163.38	55.52	107.86	55.18	52.68	364.58	57.78	306.80	69.66	237.14	81.36	155.78	219.99	88.29	131.70	50.23	81.47	42.85	38.62	107.40	149.24
Total Fund based income	3,840.25	14,335.55	3,720.25	10,615.30	3,666.74	6,948.56	3,507.47	3,441.09	14,039.07	3,475.57	10,563.50	3,536.33	7,027.17	3,530.93	3,496.24	12,394.30	3,339.09	9,055.21	3,191.38	5,863.83	3,007.95	2,855.88	9,401.35	8,175.79
--growth y-o-y	11.60%	2.11%	7.04%	0.49%	3.69%	-1.12%	-0.66%	-1.58%	13.27%	4.09%	16.66%	10.81%	19.84%	17.39%	22.42%	31.84%	33.77%	31.14%	34.73%	29.26%	31.61%	26.88%	14.99%	-0.47%
--growth q-o-q	3.23%	—	1.46%	—	4.54%	—	1.93%	-0.99%	—	-1.72%	—	0.15%	—	0.99%	4.71%	—	4.63%	—	6.10%	—	5.32%	14.41%	—	—
Other Income	959.43	4,121.40	1,068.96	3,052.44	1,050.26	2,002.18	932.70	1,069.48	3,806.18	1,000.03	2,806.15	1,073.33	1,732.82	927.36	805.46	3,042.89	875.47	2,167.42	777.57	1,389.85	704.44	685.41	2,489.43	2,418.74
Total Income	4,799.68	18,456.95	4,789.21	13,667.74	4,717.00	8,950.74	4,440.17	4,510.57	17,845.25	4,475.60	13,369.65	4,609.66	8,759.99	4,458.29	4,301.70	15,437.19	4,214.56	11,222.63	3,968.95	7,253.68	3,712.39	3,541.29	11,890.78	10,594.53
Total Interest Expense	2,185.80	7,976.01	2,049.29	5,926.72	2,009.50	3,917.22	1,956.79	1,960.43	7,576.05	1,912.55	5,663.50	1,951.27	3,712.23	1,915.96	1,796.27	6,351.41	1,739.24	4,612.17	1,645.52	2,966.65	1,532.97	1,433.68	4,678.39	4,149.05
--growth y-o-y	11.50%	5.28%	7.15%	4.65%	2.98%	5.52%	2.13%	9.14%	19.28%	9.96%	22.79%	18.58%	25.13%	24.98%	25.29%	35.76%	35.35%	35.92%	34.82%	36.53%	37.95%	35.05%	12.76%	-6.28%
--growth q-o-q	6.66%	—	1.98%	—	2.69%	—	-0.19%	2.50%	—	-1.98%	—	1.84%	—	6.66%	3.28%	—	5.70%	—	7.34%	—	6.93%	11.57%	—	—
Net Interest Income	1,654.45	6,359.54	1,670.96	4,688.58	1,657.24	3,031.34	1,550.68	1,480.66	6,463.02	1,563.02	4,900.00	1,585.06	3,314.94	1,614.97	1,699.97	6,042.89	1,599.85	4,443.04	1,545.86	2,897.18	1,474.98	1,422.20	4,722.96	4,026.74
--growth y-o-y	11.74%	-1.60%	6.91%	-4.31%	4.55%	-8.56%	-3.98%	-12.90%	6.95%	-2.30%	10.28%	2.54%	14.42%	9.49%	19.53%	27.95%	32.09%	26.52%	34.64%	22.57%	25.60%	19.58%	17.29%	6.31%
--growth q-o-q	-0.99%	—	0.83%	—	6.87%	—	4.73%	-5.27%	—	-1.39%	—	-1.85%	—	-5.00%	6.26%	—	3.49%	—	4.81%	—	3.71%	17.42%	—	—
Operating Expenses
Employee Cost	516.13	1,944.06	482.17	1,461.89	502.43	959.46	484.82	474.64	1,734.44	448.00	1,286.44	453.00	833.44	465.43	368.01	1,492.23	377.47	1,114.76	398.87	715.89	374.73	341.16	1,340.34	1,001.54
Other administrative Exps	1,174.96	5,237.73	1,302.37	3,935.36	1,292.64	2,642.72	1,270.17	1,372.55	4,907.97	1,253.86	3,654.11	1,208.76	2,445.35	1,167.01	1,278.34	4,562.80	1,210.82	3,351.98	1,159.31	2,192.67	1,073.71	1,118.96	3,669.60	2,657.32
Total Operating Expenses	1,691.09	7,181.79	1,784.54	5,397.25	1,795.07	3,602.18	1,754.99	1,847.19	6,642.41	1,701.86	4,940.55	1,661.76	3,278.79	1,632.44	1,646.35	6,055.03	1,588.29	4,466.74	1,558.18	2,908.56	1,448.44	1,460.12	5,009.94	3,658.86
Profit before Tax and Provisions	922.79	3,299.15	955.38	2,343.77	912.43	1,431.34	728.39	702.95	3,626.79	861.19	2,765.60	996.63	1,768.97	909.89	859.08	3,030.75	887.03	2,143.72	765.25	1,378.47	730.98	647.49	2,202.45	2,786.62
--growth y-o-y	31.27%	-9.03%	10.94%	-15.25%	-8.45%	-19.09%	-19.95%	-18.17%	19.67%	-2.91%	29.01%	30.24%	28.33%	24.48%	32.68%	37.61%	49.39%	33.26%	34.92%	32.36%	42.67%	22.37%	-20.96%	-9.84%
--growth q-o-q	-3.41%	—	4.71%	—	25.27%	—	3.62%	-18.37%	—	-13.59%	—	9.53%	—	5.91%	-3.15%	—	15.91%	—	4.69%	—	12.89%	9.05%	—	—
Provisions and contingencies
Exceptional items	—	0.00	0.00	0.00	—	0.00	—	—	0.00	0.00	0.00	—	0.00	—	—	0.00	0.00	0.00	—	0.00	—	—	0.00	0.00
Others	599.28	2,259.61	678.32	1,581.29	639.27	942.02	499.70	442.32	2,958.66	785.14	2,173.52	1,188.90	984.62	618.33	366.29	1,778.47	413.79	1,364.68	458.14	906.54	640.35	266.19	1,021.94	2,901.71
Total Provisions	599.28	2,259.61	678.32	1,581.29	639.27	942.02	499.70	442.32	2,958.66	785.14	2,173.52	1,188.90	984.62	618.33	366.29	1,778.47	413.79	1,364.68	458.14	906.54	640.35	266.19	1,021.94	2,901.71
Profit Before tax	323.51	1,039.54	277.06	762.48	273.16	489.32	228.69	260.63	668.13	76.05	592.08	-192.27	784.35	291.56	492.79	1,252.28	473.24	779.04	307.11	471.93	90.63	381.30	1,180.51	-115.09
Income Tax	69.81	217.10	47.35	169.75	59.28	110.47	50.17	60.30	-27.24	7.35	-34.59	-224.90	190.31	69.04	121.27	84.36	120.60	-36.24	74.02	-110.26	-203.45	93.19	297.78	-40.35
effective tax rate	21.58%	20.88%	17.09%	22.26%	21.70%	22.58%	21.94%	23.14%	-4.08%	9.66%	-5.84%	116.97%	24.26%	23.68%	24.61%	6.74%	25.48%	-4.65%	24.10%	-23.36%	-224.48%	24.44%	25.22%	35.06%
Net Profit	253.70	822.44	229.71	592.73	213.88	378.85	178.52	200.33	695.37	68.70	626.67	32.63	594.04	222.52	371.52	1,167.92	352.64	815.28	233.09	582.19	294.08	288.11	882.73	-74.74
--growth y-o-y	26.64%	18.27%	234.37%	-5.42%	5.60%	-36.22%	-19.77%	-46.08%	-40.46%	-80.52%	-23.13%	-86.00%	2.04%	-24.33%	28.95%	32.31%	30.10%	33.29%	11.54%	44.57%	45.91%	43.22%	—	—
--growth q-o-q	10.44%	—	7.40%	—	19.81%	—	-10.89%	191.60%	—	110.54%	—	-85.34%	—	-40.11%	5.35%	—	51.29%	—	-20.74%	—	2.07%	6.29%	—	—
Face Value	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Capital & Key Ratios
Equity Share Capital	1,548.56	618.11	618.11	617.16	617.16	613.02	613.02	609.01	607.88	607.88	607.77	607.77	607.68	607.68	606.28	605.10	605.10	602.62	602.62	601.36	601.36	599.64	599.57	599.51
Reserves	40,530.41	15,986.31	15,986.31	15,591.15	15,591.15	15,377.27	15,377.27	15,198.75	14,998.42	14,998.42	14,817.47	14,817.47	14,784.84	14,784.84	14,562.32	14,190.80	14,190.80	13,791.79	13,791.79	13,558.70	13,558.70	13,264.62	12,976.51	12,018.21
Capital Adequacy Ratio	33.28%	14.25%	14.25%	14.47%	14.47%	14.71%	14.71%	15.42%	15.54%	15.54%	14.86%	14.86%	15.39%	15.39%	15.23%	16.18%	16.18%	16.40%	16.40%	16.48%	16.48%	16.39%	16.92%	16.82%
CET 1	32.20%	12.77%	12.77%	13.45%	13.45%	13.51%	13.51%	14.05%	14.06%	14.06%	13.68%	13.68%	14.20%	14.20%	13.85%	14.38%	14.38%	14.60%	14.60%	15.15%	15.15%	15.05%	15.30%	16.20%
Net Interest Margin (%)	4.13%	4.51%	4.41%	4.55%	4.36%	4.50%	4.51%	4.50%	5.12%	4.89%	5.31%	4.90%	5.51%	5.35%	5.67%	5.49%	5.45%	5.53%	5.52%	5.54%	5.54%	5.53%	5.24%	4.45%
Earning per share	1.64	13.31	3.72	9.65	3.47	6.18	2.91	3.29	11.44	1.13	10.31	0.54	9.78	3.66	6.13	19.30	5.83	13.55	3.87	9.68	4.89	4.80	14.72	-1.25
DPS	—	1.00	—	—	—	—	—	—	1.00	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.50	0.00
Dividend Payout	—	7.52%	—	—	—	—	—	—	8.74%	—	—	—	—	—	—	7.77%	—	—	—	—	—	—	10.19%	0.00%
Cost to Income Ratio	64.70%	68.52%	65.13%	69.72%	66.30%	71.56%	70.67%	72.43%	64.68%	66.40%	64.11%	62.51%	64.96%	64.21%	65.71%	66.64%	64.17%	67.57%	67.06%	67.85%	66.46%	69.28%	69.46%	56.77%
Book value per share	271.73	259.08	259.08	245.31	245.31	244.31	244.31	245.60	245.61	245.61	233.12	233.12	234.55	234.55	235.44	234.77	234.77	214.57	214.57	214.28	214.28	216.89	216.76	200.27
Adj Book Value	269.80	254.06	254.06	238.87	238.87	237.78	237.78	240.67	242.49	242.49	227.58	227.58	226.51	226.51	228.06	227.61	227.61	207.18	207.18	207.36	207.36	208.37	207.74	190.85
Gross NPAs	1,521.59	1,674.95	1,674.95	1,961.46	1,961.46	2,377.56	2,377.56	2,685.86	2,465.47	2,465.47	2,701.00	2,701.00	2,581.08	2,581.08	2,377.82	2,270.97	2,270.97	2,551.05	2,551.05	2,440.66	2,440.66	2,404.25	2,419.86	2,728.39
Net NPAs	426.10	442.73	442.73	566.99	566.99	572.41	572.41	428.82	270.79	270.79	481.64	481.64	697.51	697.51	638.94	619.30	619.30	635.64	635.64	594.50	594.50	729.80	772.54	806.56
Slippages	940.00	3,810.00	925.00	2,885.00	900.00	1,985.00	925.00	1,060.00	4,113.00	1,058.00	3,055.00	1,309.00	1,746.00	1,026.00	720.00	2,442.00	680.00	1,762.00	666.00	1,096.00	541.00	555.00	2,754.00	3,944.00
% of Gross NPAs	1.30%	1.45%	1.45%	1.88%	1.88%	2.32%	2.32%	2.78%	2.60%	2.60%	2.92%	2.92%	2.88%	2.88%	2.69%	2.65%	2.65%	3.12%	3.12%	3.12%	3.12%	3.22%	3.37%	4.40%
% of Net NPAs	0.37%	0.39%	0.39%	0.55%	0.55%	0.57%	0.57%	0.45%	0.29%	0.29%	0.53%	0.53%	0.79%	0.79%	0.74%	0.74%	0.74%	0.80%	0.80%	0.78%	0.78%	1.00%	1.10%	1.34%
Slippage Ratio (annulised)	3.98%	4.11%	3.99%	4.25%	3.98%	4.52%	4.21%	4.89%	4.90%	5.04%	5.09%	6.55%	4.58%	5.38%	3.94%	3.48%	3.87%	3.52%	3.99%	3.48%	3.44%	3.68%	4.59%	6.73%
Return on Assets	0.57%	0.53%	0.55%	0.53%	0.55%	0.51%	0.48%	0.56%	0.51%	0.20%	0.61%	0.09%	0.88%	0.64%	1.14%	0.96%	1.08%	0.92%	0.75%	1.00%	1.00%	1.01%	0.83%	-0.07%
PCR without Tech W/off (%)	72.00%	73.57%	73.57%	71.09%	71.09%	75.92%	75.92%	84.03%	89.02%	89.02%	82.17%	82.17%	72.98%	72.98%	73.13%	72.73%	72.73%	75.08%	75.08%	75.64%	75.64%	69.65%	68.08%	70.44%
Business Numbers (Rs. Crores)
Business	241,052.00	253,249.52	253,249.52	222,807.00	222,807.00	217,195.96	217,195.96	207,165.00	203,561.80	203,561.80	197,165.00	197,165.00	195,841.00	195,841.00	188,056.00	187,480.52	187,480.52	172,695.00	172,695.00	166,104.59	166,104.59	158,723.00	155,095.87	139,028.34
Net Advances	116,223.00	114,231.94	114,231.94	103,086.00	103,086.00	100,528.57	100,528.57	94,431.00	92,618.27	92,618.27	90,412.00	90,412.00	87,882.30	87,882.30	86,704.00	83,986.92	83,986.92	79,949.00	79,949.00	76,324.22	76,324.22	73,087.00	70,209.35	60,021.81
- Net Advances Growth YoY	23.08%	23.34%	23.34%	14.02%	14.02%	14.39%	14.39%	8.91%	10.28%	10.28%	13.09%	13.09%	15.14%	15.14%	18.63%	19.62%	19.62%	19.89%	19.89%	21.26%	21.26%	21.27%	16.97%	2.39%
Deposits	124,829.00	139,017.58	139,017.58	119,721.00	119,721.00	116,667.39	116,667.39	112,734.00	110,943.53	110,943.53	106,753.00	106,753.00	107,958.70	107,958.70	101,352.00	103,493.60	103,493.60	92,746.00	92,746.00	89,780.37	89,780.37	85,636.00	84,886.52	79,006.53
- Deposit Growth YoY	10.73%	25.30%	25.30%	12.15%	12.15%	8.07%	8.07%	11.23%	7.20%	7.20%	15.10%	15.10%	20.25%	20.25%	18.35%	21.92%	21.92%	13.46%	13.46%	13.07%	13.07%	8.10%	7.44%	8.05%
--Savings deposits	21,220.93	20,801.00	20,801.00	20,501.00	20,501.00	19,805.00	19,805.00	18,907.00	19,958.00	19,958.00	20,340.00	20,340.00	19,661.00	19,661.00	18,186.00	18,056.00	18,056.00	17,416.00	17,416.00	17,258.00	17,258.00	16,795.00	16,922.00	16,354.35
--Current deposits	15,247.07	25,922.00	25,922.00	16,471.00	16,471.00	17,364.00	17,364.00	17,707.00	17,928.00	17,928.00	14,682.00	14,682.00	16,563.00	16,563.00	14,817.00	18,393.00	18,393.00	13,922.00	13,922.00	14,831.00	14,831.00	15,132.00	14,795.00	11,534.95
CASA	36,468.00	46,723.00	46,723.00	36,972.00	36,972.00	37,169.00	37,169.00	36,614.00	37,886.00	37,886.00	35,022.00	35,022.00	36,224.00	36,224.00	33,003.00	36,449.00	36,449.00	31,338.00	31,338.00	32,089.00	32,089.00	31,927.00	31,717.00	27,879.00
-- % of total Deposits	29.21%	33.61%	33.61%	30.88%	30.88%	31.86%	31.86%	32.48%	34.15%	34.15%	32.81%	32.81%	33.55%	33.55%	32.56%	35.22%	35.22%	33.79%	33.79%	35.74%	35.74%	37.28%	37.36%	35.29%
Cost Ratios as % of Total Income
Interest / Discount on advances	80.91%	81.34%	80.89%	81.49%	82.10%	81.17%	81.76%	80.57%	79.95%	80.55%	79.76%	80.48%	79.39%	80.12%	78.66%	80.51%	80.24%	80.61%	81.43%	80.16%	80.79%	79.50%	78.75%	77.26%
Income on Investments	14.02%	14.97%	14.92%	14.98%	14.23%	15.38%	14.85%	15.93%	15.30%	16.22%	14.99%	15.08%	14.95%	14.94%	14.96%	16.41%	15.38%	16.79%	15.71%	17.38%	16.66%	18.15%	17.29%	16.48%
Interest on bal with RBI and others	3.76%	2.25%	3.00%	1.99%	2.16%	1.89%	1.81%	1.97%	2.15%	1.57%	2.35%	2.47%	2.28%	2.64%	1.93%	1.31%	1.74%	1.14%	1.28%	1.07%	1.13%	1.01%	2.82%	4.43%
Others	1.31%	1.45%	1.18%	1.54%	1.51%	1.55%	1.57%	1.53%	2.60%	1.66%	2.90%	1.97%	3.37%	2.30%	4.46%	1.77%	2.64%	1.45%	1.57%	1.39%	1.42%	1.35%	1.14%	1.83%
other income	24.98%	28.75%	28.73%	28.76%	28.64%	28.81%	26.59%	31.08%	27.11%	28.77%	26.56%	30.35%	24.66%	26.26%	23.04%	24.55%	26.22%	23.94%	24.36%	23.70%	23.42%	24.00%	26.48%	29.58%
Total Interest Expense	56.92%	55.64%	55.08%	55.83%	54.80%	56.37%	55.79%	56.97%	53.96%	55.03%	53.61%	55.18%	52.83%	54.26%	51.38%	51.24%	52.09%	50.93%	51.56%	50.59%	50.96%	50.20%	49.76%	50.75%
Net Interest Income	43.08%	44.36%	44.92%	44.17%	45.20%	43.63%	44.21%	43.03%	46.04%	44.97%	46.39%	44.82%	47.17%	45.74%	48.62%	48.76%	47.91%	49.07%	48.44%	49.41%	49.04%	49.80%	50.24%	49.25%
Wages	13.44%	13.56%	12.96%	13.77%	13.70%	13.81%	13.82%	13.79%	12.35%	12.89%	12.18%	12.81%	11.86%	13.18%	10.53%	12.04%	11.30%	12.31%	12.50%	12.21%	12.46%	11.95%	14.26%	12.25%
Other administrative Exps	30.60%	36.54%	35.01%	37.07%	35.25%	38.03%	36.21%	39.89%	34.96%	36.08%	34.59%	34.18%	34.80%	33.05%	36.56%	36.81%	36.26%	37.02%	36.33%	37.39%	35.70%	39.18%	39.03%	32.50%
Total Operating Expenses	44.04%	50.10%	47.97%	50.84%	48.96%	51.84%	50.04%	53.68%	47.31%	48.97%	46.77%	46.99%	46.66%	46.23%	47.09%	48.85%	47.57%	49.33%	48.82%	49.60%	48.15%	51.13%	53.29%	44.75%
Profit before Tax and Provisions	24.03%	23.01%	25.68%	22.08%	24.88%	20.60%	20.77%	20.43%	25.83%	24.78%	26.18%	28.18%	25.17%	25.77%	24.57%	24.45%	26.57%	23.67%	23.98%	23.51%	24.30%	22.67%	23.43%	34.08%
Provisions and contingencies	15.61%	15.76%	18.23%	14.90%	17.43%	13.56%	14.25%	12.85%	21.07%	22.59%	20.58%	33.62%	14.01%	17.51%	10.48%	14.35%	12.39%	15.07%	14.36%	15.46%	21.29%	9.32%	10.87%	35.49%
PBT	8.42%	7.25%	7.45%	7.18%	7.45%	7.04%	6.52%	7.57%	4.76%	2.19%	5.60%	-5.44%	11.16%	8.26%	14.09%	10.10%	14.17%	8.60%	9.62%	8.05%	3.01%	13.35%	12.56%	-1.41%
Income Tax	1.82%	1.51%	1.27%	1.60%	1.62%	1.59%	1.43%	1.75%	-0.19%	0.21%	-0.33%	-6.36%	2.71%	1.96%	3.47%	0.68%	3.61%	-0.40%	2.32%	-1.88%	-6.76%	3.26%	3.17%	-0.49%
PAT	6.61%	5.74%	6.17%	5.58%	5.83%	5.45%	5.09%	5.82%	4.95%	1.98%	5.93%	0.92%	8.45%	6.30%	10.63%	9.42%	10.56%	9.00%	7.30%	9.93%	9.78%	10.09%	9.39%	-0.91%

SIB

South Indian Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	2,108.25	7,756.91	2,036.31	5,720.60	1,963.00	3,757.60	1,874.94	1,882.66	7,529.08	1,914.21	5,614.87	1,895.39	3,719.48	1,878.03	1,841.45	6,891.04	1,820.99	5,070.05	1,746.85	3,323.20	1,698.91	1,624.29	5,712.15	5,069.34
Income on Investments	448.21	1,789.48	471.92	1,317.56	497.60	819.96	456.06	363.90	1,592.05	386.48	1,205.57	404.10	801.47	393.41	408.06	1,551.61	407.09	1,144.52	398.71	745.81	385.18	360.63	1,285.73	1,039.81
Interest on bal with RBI and others	63.62	209.29	43.55	165.74	48.30	117.44	61.15	56.29	167.23	39.35	127.88	46.40	81.48	52.01	29.47	87.64	21.23	66.41	18.99	47.42	26.49	20.93	132.10	333.73
Others	7.73	90.82	7.70	83.12	8.63	74.49	14.90	59.59	124.95	33.40	91.55	24.85	66.70	31.27	35.43	82.51	25.36	57.15	19.54	37.61	18.42	19.19	103.20	143.66
Total Fund based income	2,627.81	9,846.50	2,559.48	7,287.02	2,517.53	4,769.49	2,407.05	2,362.44	9,413.31	2,373.44	7,039.87	2,370.74	4,669.13	2,354.72	2,314.41	8,612.80	2,274.67	6,338.13	2,184.09	4,154.04	2,129.00	2,025.04	7,233.18	6,586.54
--growth y-o-y	11.23%	4.60%	7.84%	3.51%	6.19%	2.15%	2.22%	2.08%	9.29%	4.34%	11.07%	8.55%	12.40%	10.60%	14.29%	19.07%	15.29%	20.49%	15.06%	23.56%	22.35%	24.86%	9.82%	-9.84%
--growth q-o-q	2.67%	—	1.67%	—	4.59%	—	1.89%	-0.46%	—	0.11%	—	0.68%	—	1.74%	1.75%	—	4.15%	—	2.59%	—	5.13%	2.64%	—	—
Other Income	379.49	2,009.49	385.94	1,623.55	485.93	1,137.62	515.73	621.89	1,890.78	572.37	1,318.41	447.22	871.19	449.47	421.72	1,515.52	346.03	1,169.49	452.41	717.08	355.77	361.31	812.63	978.45
Total Income	3,007.30	11,855.99	2,945.42	8,910.57	3,003.46	5,907.11	2,922.78	2,984.33	11,304.09	2,945.81	8,358.28	2,817.96	5,540.32	2,804.19	2,736.13	10,128.32	2,620.70	7,507.62	2,636.50	4,871.12	2,484.77	2,386.35	8,045.81	7,564.99
Total Interest Expense	1,603.09	6,409.14	1,644.15	4,764.99	1,636.85	3,128.14	1,598.27	1,529.87	5,927.67	1,505.11	4,422.56	1,501.48	2,921.08	1,472.44	1,448.64	5,280.75	1,400.00	3,880.75	1,365.06	2,515.69	1,298.42	1,217.27	4,221.10	4,346.78
--growth y-o-y	4.79%	8.12%	9.24%	7.74%	9.02%	7.09%	8.55%	5.61%	12.25%	7.51%	13.96%	9.99%	16.11%	13.40%	19.01%	25.10%	25.47%	24.97%	27.20%	23.79%	28.08%	19.52%	-2.89%	-11.26%
--growth q-o-q	-2.50%	—	0.45%	—	2.41%	—	4.47%	1.65%	—	0.24%	—	1.97%	—	1.64%	3.47%	—	2.56%	—	5.13%	—	6.67%	9.10%	—	—
Net Interest Income	1,024.72	3,437.36	915.33	2,522.03	880.68	1,641.35	808.78	832.57	3,485.64	868.33	2,617.31	869.26	1,748.05	882.28	865.77	3,332.05	874.67	2,457.38	819.03	1,638.35	830.58	807.77	3,012.08	2,239.76
--growth y-o-y	23.08%	-1.39%	5.41%	-3.64%	1.31%	-6.10%	-8.33%	-3.83%	4.61%	-0.72%	6.51%	6.13%	6.70%	6.22%	7.18%	10.62%	2.04%	14.04%	-0.74%	23.21%	14.35%	33.87%	34.48%	-6.94%
--growth q-o-q	11.95%	—	3.93%	—	8.89%	—	-2.86%	-4.12%	—	-0.11%	—	-1.48%	—	1.91%	-1.02%	—	6.79%	—	-1.39%	—	2.82%	-5.76%	—	—
Operating Expenses
Employee Cost	449.19	1,620.70	351.82	1,268.88	428.69	840.19	419.77	420.42	1,652.70	397.80	1,254.90	414.93	839.97	421.30	418.67	1,692.85	412.67	1,280.18	459.58	820.60	417.63	402.97	1,300.36	1,193.31
Other administrative Exps	363.22	1,452.79	368.17	1,084.62	353.59	731.03	369.18	361.85	1,453.64	359.59	1,094.05	372.71	721.34	360.20	361.14	1,287.05	374.49	912.56	328.41	584.15	308.28	275.87	1,017.02	832.98
Total Operating Expenses	812.41	3,073.49	719.99	2,353.50	782.28	1,571.22	788.95	782.27	3,106.34	757.39	2,348.95	787.64	1,561.31	781.50	779.81	2,979.90	787.16	2,192.74	787.99	1,404.75	725.91	678.84	2,317.38	2,026.29
Profit before Tax and Provisions	591.80	2,373.36	581.28	1,792.08	584.33	1,207.75	535.56	672.19	2,270.08	683.31	1,586.77	528.84	1,057.93	550.25	507.68	1,867.67	433.54	1,434.13	483.45	950.68	460.44	490.24	1,507.33	1,191.92
--growth y-o-y	-11.96%	4.55%	-14.93%	12.94%	10.49%	14.16%	-2.67%	32.40%	21.55%	57.61%	10.64%	9.39%	11.28%	19.51%	3.56%	23.91%	-22.80%	51.63%	137.87%	28.03%	8.16%	54.74%	26.46%	-26.33%
--growth q-o-q	1.81%	—	-0.52%	—	9.11%	—	-20.33%	-1.63%	—	29.21%	—	-3.89%	—	8.39%	17.10%	—	-10.32%	—	5.00%	—	-6.08%	-12.70%	—	—
Provisions and contingencies
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Others	84.34	417.33	34.39	382.94	80.41	302.53	63.27	239.26	513.18	224.19	288.99	66.04	222.95	110.01	112.94	338.92	40.62	298.30	48.55	249.75	51.25	198.50	399.12	1,283.91
Total Provisions	84.34	417.33	34.39	382.94	80.41	302.53	63.27	239.26	513.18	224.19	288.99	66.04	222.95	110.01	112.94	338.92	40.62	298.30	48.55	249.75	51.25	198.50	399.12	1,283.91
Profit Before tax	507.46	1,956.03	546.89	1,409.14	503.92	905.22	472.29	432.93	1,756.90	459.12	1,297.78	462.80	834.98	440.24	394.74	1,528.75	392.92	1,135.83	434.90	700.93	409.19	291.74	1,108.21	-91.99
Income Tax	129.83	500.90	139.39	361.51	129.60	231.91	120.92	110.99	454.01	116.93	337.08	120.93	216.15	115.55	100.60	458.67	105.36	353.31	129.54	223.77	134.38	89.39	333.12	-136.97
effective tax rate	25.58%	25.61%	25.49%	25.65%	25.72%	25.62%	25.60%	25.64%	25.84%	25.47%	25.97%	26.13%	25.89%	26.25%	25.49%	30.00%	26.81%	31.11%	29.79%	31.92%	32.84%	30.64%	30.06%	148.90%
Net Profit	377.63	1,455.13	407.50	1,047.63	374.32	673.31	351.37	321.94	1,302.89	342.19	960.70	341.87	618.83	324.69	294.14	1,070.08	287.56	782.52	305.36	477.16	274.81	202.35	775.09	44.98
--growth y-o-y	17.30%	11.68%	19.09%	9.05%	9.49%	8.80%	8.22%	9.45%	21.76%	19.00%	22.77%	11.96%	29.69%	18.15%	45.36%	38.06%	-13.88%	77.36%	197.19%	40.98%	23.18%	75.42%	1,623.19%	-27.35%
--growth q-o-q	-7.33%	—	8.86%	—	6.53%	—	9.14%	-5.92%	—	0.09%	—	5.29%	—	10.39%	2.29%	—	-5.83%	—	11.12%	—	35.81%	-39.40%	—	—
Capital & Key Ratios
Equity Share Capital	261.81	261.76	261.76	261.72	261.72	261.67	261.67	261.63	261.63	261.63	261.63	261.63	261.63	261.63	261.62	261.59	261.59	209.27	209.27	209.27	209.27	209.27	209.27	209.27
Reserves	11,206.05	10,828.42	10,828.42	10,517.47	10,517.47	10,143.15	10,143.15	9,791.78	9,469.84	9,469.84	9,175.97	9,175.97	8,834.10	8,834.10	8,509.41	8,215.27	8,215.27	6,895.52	6,895.52	6,590.16	6,590.16	6,315.35	6,113.00	5,330.97
Capital Adequacy Ratio	19.62%	19.66%	19.66%	17.84%	17.84%	17.70%	17.70%	19.48%	19.31%	19.31%	18.00%	18.00%	18.04%	18.04%	18.11%	19.91%	19.91%	15.60%	15.60%	16.69%	16.69%	16.49%	17.25%	15.86%
Earning per share	1.44	5.56	1.56	4.00	1.43	2.57	1.34	1.23	4.98	1.31	3.67	1.31	2.37	1.24	1.12	4.09	1.10	3.74	1.46	2.28	1.31	0.97	3.70	0.21
DPS	—	0.45	—	—	—	—	—	—	0.40	—	—	—	—	—	—	0.30	—	—	—	—	—	—	0.30	0.00
Dividend Payout	—	8.09%	—	—	—	—	—	—	8.03%	—	—	—	—	—	—	7.33%	—	—	—	—	—	—	8.10%	0.00%
Cost to Income Ratio	57.86%	56.43%	55.33%	56.77%	57.24%	56.54%	59.57%	53.78%	57.78%	52.57%	59.68%	59.83%	59.61%	58.68%	60.57%	61.47%	64.48%	60.46%	61.98%	59.64%	61.19%	58.07%	60.59%	62.96%
Book value per share	43.80	42.37	42.37	41.19	41.19	39.76	39.76	38.43	37.20	37.20	36.07	36.07	34.77	34.77	33.53	32.41	32.41	33.95	33.95	32.49	32.49	31.18	30.21	26.47
Adj Book Value	43.09	41.60	41.60	40.05	40.05	38.41	38.41	36.84	35.08	35.08	33.25	33.25	31.89	31.89	30.44	29.37	29.37	29.90	29.90	28.36	28.36	26.74	25.88	20.53
Gross NPAs	1,437.67	1,430.50	1,430.50	2,581.50	2,581.50	2,103.47	2,103.47	2,806.57	2,799.83	2,799.83	3,735.56	3,735.56	3,731.31	3,731.31	3,719.87	3,620.34	3,620.34	3,682.40	3,682.40	3,713.87	3,713.87	3,803.87	3,708.26	3,648.09
Net NPAs	267.47	287.93	287.93	425.90	425.90	505.82	505.82	591.38	790.52	790.52	1,056.11	1,056.11	1,073.10	1,073.10	1,151.46	1,134.58	1,134.58	1,212.34	1,212.34	1,234.00	1,234.00	1,325.74	1,293.61	1,777.77
% of Gross NPAs	1.38%	1.43%	1.43%	2.67%	2.67%	2.93%	2.93%	3.15%	3.20%	3.20%	4.30%	4.30%	4.40%	4.40%	4.50%	4.50%	4.50%	4.74%	4.74%	4.96%	4.96%	5.13%	5.14%	5.90%
% of Net NPAs	0.26%	0.29%	0.29%	0.45%	0.45%	0.56%	0.56%	0.68%	0.92%	0.92%	1.25%	1.25%	1.31%	1.31%	1.44%	1.46%	1.46%	1.61%	1.61%	1.70%	1.70%	1.85%	1.86%	2.97%
Return on Assets	1.07%	1.08%	1.17%	1.05%	1.09%	1.03%	1.04%	1.01%	1.06%	1.12%	1.05%	1.10%	1.03%	1.06%	1.00%	0.93%	0.98%	0.91%	1.05%	0.85%	0.97%	0.73%	0.73%	0.04%
Restructured Book	175.00	193.00	193.00	215.00	215.00	241.00	241.00	277.00	317.00	317.00	404.00	404.00	476.00	476.00	664.00	772.00	772.00	894.00	894.00	1,159.00	1,159.00	1,297.00	1,516.00	2,417.00
PCR without Tech W/off (%)	81.40%	79.87%	79.87%	83.50%	83.50%	75.95%	75.95%	78.93%	71.77%	71.77%	71.73%	71.73%	71.24%	71.24%	69.05%	68.66%	68.66%	67.08%	67.08%	66.77%	66.77%	65.15%	65.12%	51.27%
Business Numbers (Rs. Crores)
Business	229,141.51	222,606.12	222,606.12	212,923.52	212,923.52	205,831.12	205,831.12	200,016.37	193,207.67	193,207.67	189,783.07	189,783.07	187,625.74	187,625.74	183,661.61	179,980.91	179,980.91	174,494.53	174,494.53	169,672.85	169,672.85	167,240.82	161,455.79	149,135.50
Net Advances	103,324.90	99,259.80	99,259.80	94,712.62	94,712.62	90,195.74	90,195.74	87,094.80	85,682.07	85,682.07	84,396.44	84,396.44	82,174.24	82,174.24	80,129.18	78,060.65	78,060.65	75,339.87	75,339.87	72,587.60	72,587.60	71,741.78	69,804.44	59,993.39
- Net Advances Growth YoY	18.63%	15.85%	15.85%	12.22%	12.22%	9.76%	9.76%	8.69%	9.76%	9.76%	12.02%	12.02%	13.21%	13.21%	11.69%	11.83%	11.83%	10.92%	10.92%	10.30%	10.30%	14.31%	16.35%	3.34%
Deposits	125,816.61	123,346.32	123,346.32	118,210.90	118,210.90	115,635.38	115,635.38	112,921.57	107,525.60	107,525.60	105,386.63	105,386.63	105,451.50	105,451.50	103,532.43	101,920.26	101,920.26	99,154.66	99,154.66	97,085.25	97,085.25	95,499.04	91,651.35	89,142.11
- Deposit Growth YoY	11.42%	14.71%	14.71%	12.17%	12.17%	9.66%	9.66%	9.07%	5.50%	5.50%	6.29%	6.29%	8.62%	8.62%	8.41%	11.20%	11.20%	9.36%	9.36%	9.73%	9.73%	8.28%	2.81%	7.78%
--Savings deposits	33,820.00	32,475.00	32,475.00	30,549.00	30,549.00	29,797.00	29,797.00	29,027.00	27,699.31	27,699.31	26,903.00	26,903.00	27,158.00	27,158.00	27,282.00	26,618.00	26,618.00	26,027.00	26,027.00	26,003.00	26,003.00	26,016.00	25,241.00	24,740.00
--growth y-o-y	16.51%	17.24%	17.24%	13.55%	13.55%	9.72%	9.72%	6.40%	4.06%	4.06%	3.37%	3.37%	4.44%	4.44%	4.87%	5.46%	5.46%	2.81%	2.81%	1.82%	1.82%	2.20%	2.03%	22.06%
--Current deposits	7,676.00	7,146.00	7,146.00	7,090.00	7,090.00	7,044.00	7,044.00	7,177.00	6,030.41	6,030.41	5,927.00	5,927.00	6,373.00	6,373.00	5,913.00	6,075.00	6,075.00	5,502.00	5,502.00	5,097.00	5,097.00	5,151.00	4,986.00	4,862.00
--growth y-o-y	6.95%	18.50%	18.50%	19.62%	19.62%	10.53%	10.53%	21.38%	-0.73%	-0.73%	7.72%	7.72%	25.03%	25.03%	14.79%	21.84%	21.84%	2.96%	2.96%	1.74%	1.74%	5.60%	2.55%	12.52%
CASA	41,496.00	39,621.00	39,621.00	37,639.00	37,639.00	36,841.00	36,841.00	36,204.00	33,729.72	33,729.72	32,830.00	32,830.00	33,531.00	33,531.00	33,195.00	32,693.00	32,693.00	31,529.00	31,529.00	31,100.00	31,100.00	31,167.00	30,227.00	29,602.00
CASA Ratio	32.98%	32.12%	32.12%	31.84%	31.84%	31.86%	31.86%	32.06%	31.37%	31.37%	31.15%	31.15%	31.80%	31.80%	32.06%	32.08%	32.08%	31.80%	31.80%	32.03%	32.03%	32.64%	32.98%	33.21%
Cost Ratios as % of Total Income
Interest / Discount on advances	80.23%	78.78%	79.56%	78.50%	77.97%	78.78%	77.89%	79.69%	79.98%	80.65%	79.76%	79.95%	79.66%	79.76%	79.56%	80.01%	80.06%	79.99%	79.98%	80.00%	79.80%	80.21%	78.97%	76.97%
Income on Investments	17.06%	18.17%	18.44%	18.08%	19.77%	17.19%	18.95%	15.40%	16.91%	16.28%	17.12%	17.05%	17.17%	16.71%	17.63%	18.02%	17.90%	18.06%	18.26%	17.95%	18.09%	17.81%	17.78%	15.79%
Interest on bal with RBI and others	2.42%	2.13%	1.70%	2.27%	1.92%	2.46%	2.54%	2.38%	1.78%	1.66%	1.82%	1.96%	1.75%	2.21%	1.27%	1.02%	0.93%	1.05%	0.87%	1.14%	1.24%	1.03%	1.83%	5.07%
Others	0.29%	0.92%	0.30%	1.14%	0.34%	1.56%	0.62%	2.52%	1.33%	1.41%	1.30%	1.05%	1.43%	1.33%	1.53%	0.96%	1.11%	0.90%	0.89%	0.91%	0.87%	0.95%	1.43%	2.18%
other income	14.44%	20.41%	15.08%	22.28%	19.30%	23.85%	21.43%	26.32%	20.09%	24.12%	18.73%	18.86%	18.66%	19.09%	18.22%	17.60%	15.21%	18.45%	20.71%	17.26%	16.71%	17.84%	11.23%	14.86%
Total Interest Expense	61.00%	65.09%	64.24%	65.39%	65.02%	65.59%	66.40%	64.76%	62.97%	63.41%	62.82%	63.33%	62.56%	62.53%	62.59%	61.31%	61.55%	61.23%	62.50%	60.56%	60.99%	60.11%	58.36%	65.99%
Net Interest Income	39.00%	34.91%	35.76%	34.61%	34.98%	34.41%	33.60%	35.24%	37.03%	36.59%	37.18%	36.67%	37.44%	37.47%	37.41%	38.69%	38.45%	38.77%	37.50%	39.44%	39.01%	39.89%	41.64%	34.01%
Wages	17.09%	16.46%	13.75%	17.41%	17.03%	17.62%	17.44%	17.80%	17.56%	16.76%	17.83%	17.50%	17.99%	17.89%	18.09%	19.66%	18.14%	20.20%	21.04%	19.75%	19.62%	19.90%	17.98%	18.12%
Other administrative Exps	13.82%	14.75%	14.38%	14.88%	14.05%	15.33%	15.34%	15.32%	15.44%	15.15%	15.54%	15.72%	15.45%	15.30%	15.60%	14.94%	16.46%	14.40%	15.04%	14.06%	14.48%	13.62%	14.06%	12.65%
Total Operating Expenses	30.92%	31.21%	28.13%	32.30%	31.07%	32.94%	32.78%	33.11%	33.00%	31.91%	33.37%	33.22%	33.44%	33.19%	33.69%	34.60%	34.61%	34.60%	36.08%	33.82%	34.10%	33.52%	32.04%	30.76%
Profit before Tax and Provisions	22.52%	24.10%	22.71%	24.59%	23.21%	25.32%	22.25%	28.45%	24.12%	28.79%	22.54%	22.31%	22.66%	23.37%	21.94%	21.68%	19.06%	22.63%	22.14%	22.89%	21.63%	24.21%	20.84%	18.10%
Provisions and contingencies	3.21%	4.24%	1.34%	5.26%	3.19%	6.34%	2.63%	10.13%	5.45%	9.45%	4.11%	2.79%	4.77%	4.67%	4.88%	3.94%	1.79%	4.71%	2.22%	6.01%	2.41%	9.80%	5.52%	19.49%
PBT	19.31%	19.87%	21.37%	19.34%	20.02%	18.98%	19.62%	18.33%	18.66%	19.34%	18.43%	19.52%	17.88%	18.70%	17.06%	17.75%	17.27%	17.92%	19.91%	16.87%	19.22%	14.41%	15.32%	-1.40%
Income Tax	4.94%	5.09%	5.45%	4.96%	5.15%	4.86%	5.02%	4.70%	4.82%	4.93%	4.79%	5.10%	4.63%	4.91%	4.35%	5.33%	4.63%	5.57%	5.93%	5.39%	6.31%	4.41%	4.61%	-2.08%
PAT	14.37%	14.78%	15.92%	14.38%	14.87%	14.12%	14.60%	13.63%	13.84%	14.42%	13.65%	14.42%	13.25%	13.79%	12.71%	12.42%	12.64%	12.35%	13.98%	11.49%	12.91%	9.99%	10.72%	0.68%

TMB

Tamilnad Mercantile Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	1,371.59	4,714.71	1,284.15	3,430.56	1,197.00	2,233.56	1,126.51	1,107.05	4,246.18	1,086.97	3,159.21	1,072.64	2,086.57	1,073.09	1,013.48	3,757.62	984.37	2,773.25	951.00	1,822.25	935.07	887.18	3,143.70	2,952.79
Income on Investments	277.80	1,049.17	254.53	794.64	261.82	532.82	271.28	261.54	1,017.42	247.09	770.33	252.17	518.16	257.85	260.31	1,055.85	263.42	792.43	271.42	521.01	267.64	253.37	904.50	822.48
Interest on bal with RBI and others	12.88	54.63	11.52	43.11	10.39	32.72	15.34	17.38	25.93	7.32	18.61	5.78	12.83	6.00	6.83	30.96	5.28	25.68	5.92	19.76	5.56	14.20	27.34	49.73
Others	0.16	0.91	0.18	0.73	0.20	0.53	0.26	0.27	1.73	0.30	1.43	0.43	1.00	0.47	0.53	3.48	0.64	2.84	0.81	2.03	0.89	1.14	5.50	8.85
Total Fund based income	1,662.43	5,819.42	1,550.38	4,269.04	1,469.41	2,799.63	1,413.39	1,386.24	5,291.26	1,341.68	3,949.58	1,331.02	2,618.56	1,337.41	1,281.15	4,847.91	1,253.71	3,594.20	1,229.15	2,365.05	1,209.16	1,155.89	4,081.04	3,833.86
--growth y-o-y	19.92%	9.98%	15.56%	8.09%	10.40%	6.91%	5.68%	8.20%	9.15%	7.02%	9.89%	8.29%	10.72%	10.61%	10.84%	18.79%	17.16%	19.37%	21.44%	18.32%	21.32%	15.34%	6.45%	6.23%
--growth q-o-q	7.23%	—	5.51%	—	3.96%	—	1.96%	3.32%	—	0.80%	—	-0.48%	—	4.39%	2.19%	—	2.00%	—	1.65%	—	4.61%	8.02%	—	—
Other Income	238.36	877.07	241.76	635.31	196.01	439.30	208.07	231.23	850.49	200.38	650.11	188.92	461.19	227.47	233.72	644.94	163.90	481.04	157.98	323.06	156.06	167.00	629.11	812.26
Total Income	1,900.79	6,696.49	1,792.14	4,904.35	1,665.42	3,238.93	1,621.46	1,617.47	6,141.75	1,542.06	4,599.69	1,519.94	3,079.75	1,564.88	1,514.87	5,492.85	1,417.61	4,075.24	1,387.13	2,688.11	1,365.22	1,322.89	4,710.15	4,646.12
Total Interest Expense	897.35	3,292.15	845.93	2,446.22	823.27	1,622.95	816.26	806.69	2,990.34	773.77	2,216.57	760.63	1,455.94	741.35	714.59	2,697.02	686.66	2,010.36	692.12	1,318.24	676.43	641.81	1,986.92	2,018.63
--growth y-o-y	11.24%	10.09%	9.33%	10.36%	8.24%	11.47%	10.10%	12.89%	10.88%	12.69%	10.26%	9.90%	10.45%	9.60%	11.34%	35.74%	26.50%	39.21%	44.84%	36.43%	38.57%	34.23%	-1.57%	-2.55%
--growth q-o-q	6.08%	—	2.75%	—	0.86%	—	1.19%	4.25%	—	1.73%	—	2.60%	—	3.74%	4.07%	—	-0.79%	—	2.32%	—	5.39%	18.24%	—	—
Net Interest Income	765.08	2,527.27	704.45	1,822.82	646.14	1,176.68	597.13	579.55	2,300.92	567.91	1,733.01	570.39	1,162.62	596.06	566.56	2,150.89	567.05	1,583.84	537.03	1,046.81	532.73	514.08	2,094.12	1,815.23
--growth y-o-y	32.01%	9.84%	24.04%	5.18%	13.28%	1.21%	0.18%	2.29%	6.98%	0.15%	9.42%	6.21%	11.06%	11.89%	10.21%	2.71%	7.54%	1.08%	0.52%	1.38%	4.75%	-1.90%	15.36%	18.06%
--growth q-o-q	8.61%	—	9.02%	—	8.21%	—	3.03%	2.05%	—	-0.43%	—	-4.31%	—	5.21%	-0.09%	—	5.59%	—	0.81%	—	3.63%	-2.50%	—	—
Operating Expenses
Employee Cost	209.24	794.49	220.68	573.81	175.14	398.67	175.84	222.83	726.34	177.79	548.55	178.16	370.39	191.04	179.35	685.91	189.10	496.81	166.82	329.99	167.85	162.14	618.67	615.79
Other administrative Exps	183.13	754.62	203.22	551.40	198.78	352.62	176.93	175.69	679.33	186.50	492.83	173.45	319.38	167.29	152.09	628.14	175.30	452.84	157.99	294.85	155.82	139.03	531.72	495.24
Total Operating Expenses	392.37	1,549.11	423.90	1,125.21	373.92	751.29	352.77	398.52	1,405.67	364.29	1,041.38	351.61	689.77	358.33	331.44	1,314.05	364.40	949.65	324.81	624.84	323.67	301.17	1,150.39	1,111.04
Profit before Tax and Provisions	611.07	1,855.23	522.31	1,332.92	468.23	864.69	452.43	412.26	1,745.74	404.00	1,341.74	407.70	934.04	465.20	468.84	1,481.78	366.55	1,115.23	370.20	745.03	365.12	379.91	1,572.84	1,516.45
--growth y-o-y	48.22%	6.27%	29.28%	-0.66%	14.85%	-7.42%	-2.75%	-12.07%	17.81%	10.22%	20.31%	10.13%	25.37%	27.41%	23.41%	-5.79%	-9.36%	-4.55%	-8.55%	-2.44%	-6.19%	1.47%	3.72%	26.14%
--growth q-o-q	16.99%	—	11.55%	—	3.49%	—	9.74%	2.04%	—	-0.91%	—	-12.36%	—	-0.78%	27.91%	—	-0.99%	—	1.39%	—	-3.89%	-6.06%	—	—
Provisions and contingencies
Provision for NPA	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	—	0.00	—	0.00	—	—	0.00	0.00
Others	53.93	48.63	18.79	29.84	1.49	28.35	20.01	8.34	170.85	17.22	153.63	3.26	150.37	64.93	85.44	88.20	23.54	64.66	2.37	62.29	23.29	39.00	179.20	391.84
Total Provisions	53.93	48.63	18.79	29.84	1.49	28.35	20.01	8.34	170.85	17.22	153.63	3.26	150.37	64.93	85.44	88.20	23.54	64.66	2.37	62.29	23.29	39.00	179.20	391.84
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before tax	557.14	1,806.60	503.52	1,303.08	466.74	836.34	432.42	403.92	1,574.89	386.78	1,188.11	404.44	783.67	400.27	383.40	1,393.58	343.01	1,050.57	367.83	682.74	341.83	340.91	1,393.64	1,124.61
Income Tax	145.63	469.05	129.87	339.18	125.24	213.94	114.91	99.03	392.28	94.88	297.40	104.20	193.20	97.09	96.11	321.55	89.95	231.60	83.60	148.00	68.32	79.68	364.38	302.70
effective tax rate	26.14%	25.96%	25.79%	26.03%	26.83%	25.58%	26.57%	24.52%	24.91%	24.53%	25.03%	25.76%	24.65%	24.26%	25.07%	23.07%	26.22%	22.05%	22.73%	21.68%	19.99%	23.37%	26.15%	26.92%
Net Profit	411.51	1,337.55	373.65	963.90	341.50	622.40	317.51	304.89	1,182.61	291.90	890.71	300.24	590.47	303.18	287.29	1,072.03	253.06	818.97	284.23	534.74	273.51	261.23	1,029.26	821.91
--growth y-o-y	19.92%	13.10%	28.01%	8.22%	13.74%	5.41%	4.73%	6.13%	10.32%	15.35%	8.76%	5.63%	10.42%	10.85%	9.98%	4.16%	0.00%	5.51%	1.62%	7.70%	4.27%	11.54%	25.23%	36.23%
--growth q-o-q	7.23%	—	9.41%	—	7.56%	—	4.14%	4.45%	—	-2.78%	—	-0.97%	—	5.53%	13.53%	—	-10.97%	—	3.92%	—	4.70%	3.23%	—	—
Capital & Key Ratios
Equity Share Capital	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	158.35	142.51
Reserves	10,363.32	9,951.81	9,951.81	9,814.24	9,814.24	9,472.74	9,472.74	9,155.23	8,850.34	8,850.34	8,653.56	8,653.56	8,353.32	8,353.32	8,050.14	7,762.85	7,762.85	7,588.96	7,588.96	7,304.73	7,304.73	7,031.22	6,769.99	5,193.00
Capital Adequacy Ratio	32.33%	33.73%	33.73%	30.08%	30.08%	30.96%	30.96%	31.55%	32.71%	32.71%	29.35%	29.35%	29.59%	29.59%	29.21%	29.37%	29.37%	25.95%	25.95%	26.04%	26.04%	26.57%	26.26%	22.06%
CET 1 (%)	31.30%	32.27%	32.27%	28.53%	28.53%	29.40%	29.40%	29.99%	31.24%	31.24%	27.88%	27.88%	28.12%	28.12%	27.74%	27.97%	27.97%	24.55%	24.55%	24.43%	24.43%	24.94%	24.61%	20.44%
Net Interest Margin (%)	4.29%	3.98%	4.18%	3.90%	4.04%	3.83%	3.83%	3.84%	4.07%	3.87%	4.12%	4.00%	4.18%	4.25%	4.12%	4.11%	4.24%	4.06%	4.08%	4.05%	4.10%	4.00%	4.46%	4.10%
Earning per share	25.99	84.47	23.60	60.87	21.57	39.31	20.05	19.25	74.68	18.43	56.25	18.96	37.29	19.15	18.14	67.70	15.98	51.72	17.95	33.77	17.27	16.50	65.00	57.67
DPS	—	12.50	—	—	—	—	—	—	11.00	—	—	—	—	—	—	10.00	—	—	—	—	—	—	5.00	10.00
Dividend Payout	—	14.80%	—	—	—	—	—	—	14.73%	—	—	—	—	—	—	14.77%	—	—	—	—	—	—	7.69%	17.34%
Cost to Income Ratio	39.10%	45.50%	44.80%	45.78%	44.40%	46.49%	43.81%	49.15%	44.60%	47.42%	43.70%	46.31%	42.48%	43.51%	41.42%	47.00%	49.85%	45.99%	46.73%	45.61%	46.99%	44.22%	42.24%	42.29%
Book value per share	664.46	638.47	638.47	629.78	629.78	608.22	608.22	588.16	568.91	568.91	556.48	556.48	537.52	537.52	518.38	500.23	500.23	489.25	489.25	471.30	471.30	454.03	437.53	374.40
Adj Book Value	660.12	634.16	634.16	625.36	625.36	602.84	602.84	581.65	561.82	561.82	548.63	548.63	528.91	528.91	506.81	485.39	485.39	472.66	472.66	454.86	454.86	443.26	427.37	358.80
Gross NPAs	398.08	388.21	388.21	462.83	462.83	474.45	474.45	549.12	556.13	556.13	576.38	576.38	584.45	584.45	587.66	575.06	575.06	649.13	649.13	643.84	643.84	580.72	521.46	570.92
Net NPAs	98.00	97.41	97.41	100.08	100.08	121.52	121.52	147.37	160.45	160.45	177.59	177.59	194.77	194.77	261.56	335.82	335.82	375.34	375.34	371.90	371.90	243.65	229.82	317.58
% of Gross NPAs	0.69%	0.73%	0.73%	0.91%	0.91%	1.01%	1.01%	1.22%	1.25%	1.25%	1.32%	1.32%	1.37%	1.37%	1.44%	1.44%	1.44%	1.69%	1.69%	1.70%	1.70%	1.56%	1.39%	1.69%
% of Net NPAs	0.17%	0.18%	0.18%	0.20%	0.20%	0.26%	0.26%	0.33%	0.36%	0.36%	0.41%	0.41%	0.46%	0.46%	0.65%	0.85%	0.85%	0.98%	0.98%	0.99%	0.99%	0.66%	0.62%	0.95%
Return on Assets	2.14%	1.93%	2.05%	1.88%	1.97%	1.83%	1.85%	1.82%	1.88%	1.81%	1.91%	1.89%	1.91%	1.94%	1.88%	1.84%	1.70%	1.89%	1.93%	1.87%	1.89%	1.85%	1.97%	1.66%
Restructured Account	208.17	218.34	218.34	246.17	246.17	271.37	271.37	297.11	333.80	333.80	416.36	416.36	515.85	515.85	532.88	570.02	570.02	599.17	599.17	648.71	648.71	702.60	785.53	1,034.30
PCR without Tech W/off (%)	75.38%	74.91%	74.91%	78.38%	78.38%	74.39%	74.39%	73.16%	71.15%	71.15%	69.19%	69.19%	66.67%	66.67%	55.49%	41.60%	41.60%	42.18%	42.18%	42.24%	42.24%	58.04%	55.93%	44.37%
Business Numbers (Rs. Crores)
Business	121,449.19	114,835.01	114,835.01	107,142.24	107,142.24	102,010.58	102,010.58	98,535.77	97,672.63	97,672.63	93,656.69	93,656.69	91,498.30	91,498.30	89,717.54	89,248.82	89,248.82	84,915.38	84,915.38	84,822.90	84,822.90	83,963.43	85,056.18	78,424.66
Net Advances	57,040.50	53,122.66	53,122.66	50,435.47	50,435.47	46,589.82	46,589.82	44,732.57	43,983.67	43,983.67	43,264.42	43,264.42	42,156.14	42,156.14	40,529.53	39,733.75	39,733.75	38,115.96	38,115.96	37,508.58	37,508.58	36,955.00	37,289.69	33,491.54
- Net Advances Growth YoY	27.51%	20.78%	20.78%	16.57%	16.57%	10.52%	10.52%	10.37%	10.70%	10.70%	13.51%	13.51%	12.39%	12.39%	9.67%	6.55%	6.55%	10.59%	10.59%	8.48%	8.48%	10.12%	11.34%	7.80%
Deposits	64,408.69	61,712.35	61,712.35	56,706.77	56,706.77	55,420.76	55,420.76	53,803.20	53,688.96	53,688.96	50,392.27	50,392.27	49,342.16	49,342.16	49,188.01	49,515.07	49,515.07	46,799.42	46,799.42	47,314.32	47,314.32	47,008.43	47,766.49	44,933.11
- Deposit Growth YoY	19.71%	14.94%	14.94%	12.53%	12.53%	12.32%	12.32%	9.38%	8.43%	8.43%	7.68%	7.68%	4.29%	4.29%	4.64%	3.66%	3.66%	7.73%	7.73%	9.68%	9.68%	8.73%	6.31%	9.67%
--Savings deposits	12,213.00	12,281.00	12,281.00	11,405.00	11,405.00	10,829.00	10,829.00	10,422.00	10,146.00	10,146.00	9,945.00	9,945.00	9,887.00	9,887.00	9,981.00	10,089.00	10,089.00	—	9,670.00	9,409.00	9,409.00	9,313.00	9,487.00	9,375.06
--growth y-o-y	17.18%	21.04%	21.04%	14.68%	14.68%	9.53%	9.53%	4.42%	0.56%	0.56%	—	2.84%	5.08%	5.08%	7.17%	6.35%	6.35%	—	7.22%	2.31%	2.31%	1.14%	1.19%	15.90%
--Current deposits	4,639.00	5,084.00	5,084.00	4,442.00	4,442.00	4,334.00	4,334.00	3,989.00	4,047.00	4,047.00	3,843.00	3,843.00	3,986.00	3,986.00	3,808.00	4,587.00	4,587.00	—	4,195.00	3,763.00	3,763.00	3,788.00	4,249.00	4,330.11
--growth y-o-y	16.29%	25.62%	25.62%	15.59%	15.59%	8.73%	8.73%	4.75%	-11.77%	-11.77%	—	-8.39%	5.93%	5.93%	0.53%	7.95%	7.95%	—	9.47%	-5.83%	-5.83%	-6.19%	-1.87%	20.40%
CASA	16,852.00	17,365.00	17,365.00	15,847.00	15,847.00	15,163.00	15,163.00	14,411.00	14,193.00	14,193.00	13,788.00	13,788.00	13,873.00	13,873.00	13,789.00	14,676.00	14,676.00	13,865.00	13,865.00	13,172.00	13,172.00	13,101.00	13,736.00	13,705.16
-- % of total Deposits	26.16%	28.14%	28.14%	27.95%	27.95%	27.36%	27.36%	26.78%	26.44%	26.44%	27.36%	27.36%	28.12%	28.12%	28.03%	29.64%	29.64%	29.63%	29.63%	27.84%	27.84%	27.87%	28.76%	30.50%
Cost Ratios as % of Total Income
Interest / Discount on advances	82.51%	81.02%	82.83%	80.36%	81.46%	79.78%	79.70%	79.86%	80.25%	81.02%	79.99%	80.59%	79.68%	80.24%	79.11%	77.51%	78.52%	77.16%	77.37%	77.05%	77.33%	76.75%	77.03%	77.02%
Income on Investments	16.71%	18.03%	16.42%	18.61%	17.82%	19.03%	19.19%	18.87%	19.23%	18.42%	19.50%	18.95%	19.79%	19.28%	20.32%	21.78%	21.01%	22.05%	22.08%	22.03%	22.13%	21.92%	22.16%	21.45%
Interest on bal with RBI and other banks	0.77%	0.94%	0.74%	1.01%	0.71%	1.17%	1.09%	1.25%	0.49%	0.55%	0.47%	0.43%	0.49%	0.45%	0.53%	0.64%	0.42%	0.71%	0.48%	0.84%	0.46%	1.23%	0.67%	1.30%
Others	0.01%	0.02%	0.01%	0.02%	0.01%	0.02%	0.02%	0.02%	0.03%	0.02%	0.04%	0.03%	0.04%	0.04%	0.04%	0.07%	0.05%	0.08%	0.07%	0.09%	0.07%	0.10%	0.13%	0.23%
Other income	14.34%	15.07%	15.59%	14.88%	13.34%	15.69%	14.72%	16.68%	16.07%	14.94%	16.46%	14.19%	17.61%	17.01%	18.24%	13.30%	13.07%	13.38%	12.85%	13.66%	12.91%	14.45%	15.42%	21.19%
Total Interest Expense	53.98%	56.57%	54.56%	57.30%	56.03%	57.97%	57.75%	58.19%	56.51%	57.67%	56.12%	57.15%	55.60%	55.43%	55.78%	55.63%	54.77%	55.93%	56.31%	55.74%	55.94%	55.53%	48.69%	52.65%
Net Interest Income	46.02%	43.43%	45.44%	42.70%	43.97%	42.03%	42.25%	41.81%	43.49%	42.33%	43.88%	42.85%	44.40%	44.57%	44.22%	44.37%	45.23%	44.07%	43.69%	44.26%	44.06%	44.47%	51.31%	47.35%
Wages	12.59%	13.65%	14.23%	13.44%	11.92%	14.24%	12.44%	16.07%	13.73%	13.25%	13.89%	13.39%	14.14%	14.28%	14.00%	14.15%	15.08%	13.82%	13.57%	13.95%	13.88%	14.03%	15.16%	16.06%
Other administrative Exps	11.02%	12.97%	13.11%	12.92%	13.53%	12.60%	12.52%	12.67%	12.84%	13.90%	12.48%	13.03%	12.20%	12.51%	11.87%	12.96%	13.98%	12.60%	12.85%	12.47%	12.89%	12.03%	13.03%	12.92%
Total Operating Expenses	23.60%	26.62%	27.34%	26.36%	25.45%	26.84%	24.96%	28.75%	26.57%	27.15%	26.37%	26.42%	26.34%	26.79%	25.87%	27.11%	29.07%	26.42%	26.43%	26.42%	26.77%	26.06%	28.19%	28.98%
Profit before Tax and Provisions (Pbtp)	36.76%	31.88%	33.69%	31.22%	31.87%	30.89%	32.01%	29.74%	32.99%	30.11%	33.97%	30.63%	35.67%	34.78%	36.60%	30.57%	29.24%	31.03%	30.12%	31.50%	30.20%	32.87%	38.54%	39.55%
Provisions and contingencies	3.24%	0.84%	1.21%	0.70%	0.10%	1.01%	1.42%	0.60%	3.23%	1.28%	3.89%	0.24%	5.74%	4.85%	6.67%	1.82%	1.88%	1.80%	0.19%	2.63%	1.93%	3.37%	4.39%	10.22%
PBT	33.51%	31.04%	32.48%	30.52%	31.76%	29.87%	30.59%	29.14%	29.76%	28.83%	30.08%	30.39%	29.93%	29.93%	29.93%	28.75%	27.36%	29.23%	29.93%	28.87%	28.27%	29.49%	34.15%	29.33%
Income Tax	8.76%	8.06%	8.38%	7.95%	8.52%	7.64%	8.13%	7.14%	7.41%	7.07%	7.53%	7.83%	7.38%	7.26%	7.50%	6.63%	7.17%	6.44%	6.80%	6.26%	5.65%	6.89%	8.93%	7.90%
PAT	24.75%	22.98%	24.10%	22.58%	23.24%	22.23%	22.46%	21.99%	22.35%	21.76%	22.55%	22.56%	22.55%	22.67%	22.42%	22.11%	20.18%	22.79%	23.12%	22.61%	22.62%	22.60%	25.22%	21.44%

YES

YES Bank

Figures in Rs. Crores

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Particulars	Q1FY27	FY26							FY25							FY24							FY23	FY22
Particulars	Q1FY27	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22
Income Statement (Rs. Crores)
Fund based income
Interest / Discount on advances	6,107.14	23,009.42	5,866.46	17,142.96	5,743.58	11,399.38	5,632.99	5,766.39	23,299.77	5,835.67	17,464.10	5,904.92	11,559.18	5,840.06	5,719.12	21,087.48	5,638.01	15,449.47	5,354.71	10,094.76	5,122.88	4,971.88	17,822.41	15,094.91
Income on Investments	1,478.74	5,423.70	1,383.09	4,040.61	1,392.61	2,648.00	1,284.52	1,363.48	5,694.48	1,339.58	4,354.90	1,416.82	2,938.08	1,443.53	1,494.55	4,958.26	1,385.66	3,572.60	1,264.68	2,307.92	1,142.97	1,164.95	3,564.60	2,878.10
Interest on bal with RBI and others	155.55	409.60	96.34	313.26	87.44	225.82	112.36	113.46	393.09	101.69	291.40	120.48	170.92	51.11	119.81	458.40	51.62	406.78	96.82	309.96	211.78	98.18	841.03	702.07
Others	302.89	1,326.12	305.01	1,021.11	319.59	701.52	348.97	352.55	1,507.57	339.19	1,168.38	386.92	781.46	395.79	385.67	1,081.80	371.88	709.92	268.64	441.28	233.07	208.21	469.40	348.43
Total Fund based income	8,044.32	30,168.84	7,650.90	22,517.94	7,543.22	14,974.72	7,378.84	7,595.88	30,894.91	7,616.13	23,278.78	7,829.14	15,449.64	7,730.49	7,719.15	27,585.94	7,447.17	20,138.77	6,984.85	13,153.92	6,710.70	6,443.22	22,697.44	19,023.51
--growth y-o-y	5.90%	-2.35%	0.46%	-3.27%	-3.65%	-3.07%	-4.55%	-1.60%	12.00%	2.27%	15.59%	12.09%	17.45%	15.20%	19.80%	21.54%	19.80%	22.19%	18.95%	23.99%	22.58%	25.48%	19.31%	-5.08%
--growth q-o-q	5.14%	—	1.43%	—	2.23%	—	-2.86%	-0.27%	—	-2.72%	—	1.28%	—	0.15%	3.65%	—	6.62%	—	4.09%	—	4.15%	3.65%	—	—
Other Income	1,797.94	6,759.33	1,730.17	5,029.16	1,632.62	3,396.54	1,644.31	1,752.23	5,856.86	1,739.26	4,117.60	1,512.01	2,605.59	1,406.60	1,198.99	5,114.30	1,568.60	3,545.70	1,194.60	2,351.10	1,209.98	1,141.12	3,926.64	3,449.88
Total Income	9,842.26	36,928.17	9,381.07	27,547.10	9,175.84	18,371.26	9,023.15	9,348.11	36,751.77	9,355.39	27,396.38	9,341.15	18,055.23	9,137.09	8,918.14	32,700.24	9,015.77	23,684.47	8,179.45	15,505.02	7,920.68	7,584.34	26,624.08	22,473.39
Total Interest Expense	5,257.86	20,393.19	5,013.20	15,379.99	5,077.62	10,302.37	5,077.96	5,224.41	21,950.55	5,339.77	16,610.78	5,605.62	11,005.16	5,530.05	5,475.11	19,491.32	5,294.15	14,197.17	4,967.97	9,229.20	4,785.61	4,443.59	14,779.86	12,525.66
--growth y-o-y	0.64%	-7.09%	-6.12%	-7.41%	-9.42%	-6.39%	-8.18%	-4.58%	12.62%	0.86%	17.00%	12.84%	19.24%	15.56%	23.21%	31.88%	28.78%	33.07%	27.34%	36.37%	37.40%	35.29%	18.00%	-0.69%
--growth q-o-q	4.88%	—	-1.27%	—	-0.01%	—	-2.80%	-2.16%	—	-4.74%	—	1.37%	—	1.00%	3.42%	—	6.57%	—	3.81%	—	7.70%	8.09%	—	—
Net Interest Income	2,786.46	9,775.65	2,637.70	7,137.95	2,465.60	4,672.35	2,300.88	2,371.47	8,944.36	2,276.36	6,668.00	2,223.52	4,444.48	2,200.44	2,244.04	8,094.62	2,153.02	5,941.60	2,016.88	3,924.72	1,925.09	1,999.63	7,917.58	6,497.85
--growth y-o-y	17.50%	9.29%	15.87%	7.05%	10.89%	5.13%	4.56%	5.68%	10.50%	5.73%	12.23%	10.25%	13.24%	14.30%	12.22%	2.24%	2.27%	2.23%	2.35%	2.16%	-3.33%	8.07%	21.85%	-12.53%
--growth q-o-q	5.64%	—	6.98%	—	7.16%	—	-2.98%	4.18%	—	2.38%	—	1.05%	—	-1.94%	4.23%	—	6.75%	—	4.77%	—	-3.73%	-5.02%	—	—
Operating Expenses
Employee Cost	1,140.56	4,236.83	1,040.48	3,196.35	1,169.10	2,027.25	1,006.84	1,020.41	4,008.41	1,016.82	2,991.59	1,003.87	1,987.72	1,007.63	980.09	3,774.28	1,025.97	2,748.31	910.89	1,837.42	891.74	945.68	3,362.70	2,855.69
Other administrative Exps	1,739.87	6,791.75	1,709.15	5,082.60	1,695.50	3,387.10	1,641.85	1,745.25	6,538.85	1,684.42	4,854.43	1,652.64	3,201.79	1,624.14	1,577.65	6,048.38	1,793.18	4,255.20	1,436.54	2,818.66	1,442.00	1,376.66	5,298.76	3,988.70
Total Operating Expenses	2,880.43	11,028.58	2,749.63	8,278.95	2,864.60	5,414.35	2,648.69	2,765.66	10,547.26	2,701.24	7,846.02	2,656.51	5,189.51	2,631.77	2,557.74	9,822.66	2,819.15	7,003.51	2,347.43	4,656.08	2,333.74	2,322.34	8,661.46	6,844.39
Profit before Tax and Provisions	1,703.97	5,506.40	1,618.24	3,888.16	1,233.62	2,654.54	1,296.50	1,358.04	4,253.96	1,314.38	2,939.58	1,079.02	1,860.56	975.27	885.29	3,386.26	902.47	2,483.79	864.05	1,619.74	801.33	818.41	3,182.76	3,103.34
--growth y-o-y	25.47%	29.44%	23.12%	32.27%	14.33%	42.67%	32.94%	53.40%	25.62%	45.64%	18.35%	24.88%	14.87%	21.71%	8.17%	6.39%	1.53%	8.28%	-5.43%	17.35%	1.38%	38.75%	2.56%	-37.65%
--growth q-o-q	5.30%	—	31.18%	—	-4.85%	—	-4.53%	3.32%	—	21.81%	—	10.64%	—	10.16%	-1.90%	—	4.45%	—	7.83%	—	-2.09%	-7.93%	—	—
Provisions and contingencies
Others	394.48	912.40	187.55	724.85	21.89	702.96	418.95	284.01	1,085.62	318.07	767.55	258.68	508.87	297.10	211.77	1,886.28	470.86	1,415.42	554.74	860.68	500.38	360.30	2,219.85	1,667.48
Total Provisions	394.48	912.40	187.55	724.85	21.89	702.96	418.95	284.01	1,085.62	318.07	767.55	258.68	508.87	297.10	211.77	1,886.28	470.86	1,415.42	554.74	860.68	500.38	360.30	2,219.85	1,667.48
Profit Before tax	1,309.49	4,594.00	1,430.69	3,163.31	1,211.73	1,951.58	877.55	1,074.03	3,168.34	996.31	2,172.03	820.34	1,351.69	678.17	673.52	1,499.98	431.61	1,068.37	309.31	759.06	300.95	458.11	962.91	1,435.86
Income Tax	238.50	1,118.42	362.27	756.15	260.11	496.04	223.08	272.96	762.48	258.19	504.29	208.07	296.22	125.13	171.09	248.90	-20.28	269.18	77.85	191.33	75.74	115.59	245.51	369.63
effective tax rate	18.21%	24.35%	25.32%	23.90%	21.47%	25.42%	25.42%	25.41%	24.07%	25.91%	23.22%	25.36%	21.91%	18.45%	25.40%	16.59%	-4.70%	25.20%	25.17%	25.21%	25.17%	25.23%	25.50%	25.74%
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	1,070.99	3,475.58	1,068.42	2,407.16	951.62	1,455.54	654.47	801.07	2,405.86	738.12	1,667.74	612.27	1,055.47	553.04	502.43	1,251.08	451.89	799.19	231.46	567.73	225.21	342.52	717.40	1,066.23
--growth y-o-y	33.69%	44.46%	44.75%	44.34%	55.42%	37.90%	18.34%	59.44%	92.30%	63.34%	108.68%	164.53%	85.91%	145.57%	46.69%	74.39%	123.23%	55.19%	349.26%	22.50%	47.37%	10.27%	-32.72%	—
--growth q-o-q	0.24%	—	12.27%	—	45.40%	—	-18.30%	8.53%	—	20.55%	—	10.71%	—	10.07%	11.18%	—	95.23%	—	2.78%	—	-34.25%	69.20%	—	—
Capital & Key Ratios
Equity Share Capital	6,277.35	6,275.95	6,275.95	6,275.69	6,275.69	6,274.46	6,274.46	6,273.12	6,270.82	6,270.82	6,270.17	6,270.17	6,269.38	6,269.38	6,267.13	5,753.58	5,753.58	5,752.31	5,752.31	5,751.60	5,751.60	5,751.13	5,750.96	5,010.99
Reserves	45,857.05	44,786.06	44,786.06	43,916.39	43,916.39	42,964.77	42,964.77	42,310.30	41,509.23	41,509.23	36,780.86	36,780.86	36,168.59	36,168.59	35,615.55	35,113.12	35,113.12	34,842.30	34,842.30	34,610.84	34,610.84	34,385.63	34,043.11	28,730.89
Capital Adequacy Ratio	15.10%	15.30%	15.30%	14.50%	14.50%	15.00%	15.00%	16.20%	15.60%	15.60%	15.20%	15.20%	15.60%	15.60%	16.30%	15.40%	15.40%	16.00%	16.00%	17.30%	17.30%	18.20%	17.90%	17.40%
CET 1	14.10%	13.80%	13.80%	13.90%	13.90%	13.90%	13.90%	14.00%	13.50%	13.50%	13.30%	13.30%	13.20%	13.20%	13.30%	12.20%	12.20%	13.00%	13.00%	13.10%	13.10%	13.60%	13.30%	11.60%
Net Interest Margin (%)	2.70%	2.60%	2.70%	2.53%	2.60%	2.50%	2.50%	2.50%	2.40%	2.60%	2.40%	2.40%	2.40%	2.40%	2.40%	2.40%	2.40%	2.40%	2.40%	2.40%	2.30%	2.50%	2.60%	2.30%
Earning per share	0.34	1.11	0.34	0.77	0.30	0.46	0.21	0.26	0.77	0.24	0.53	0.20	0.34	0.18	0.16	0.43	0.16	0.28	0.08	0.20	0.08	0.12	0.25	0.43
DPS	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00
Dividend Payout	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	62.83%	66.70%	62.95%	68.04%	69.90%	67.10%	67.14%	67.07%	71.26%	67.27%	72.75%	71.11%	73.61%	72.96%	74.29%	74.36%	75.75%	73.82%	73.09%	74.19%	74.44%	73.94%	73.13%	68.80%
Book value per share	16.61	16.27	16.27	16.00	16.00	15.70	15.70	15.49	15.24	15.24	13.73	13.73	13.54	13.54	13.37	14.21	14.21	14.11	14.11	14.04	14.04	13.96	13.84	13.47
Adj Book Value	16.46	16.13	16.13	15.85	15.85	15.52	15.52	15.31	15.06	15.06	13.48	13.48	13.28	13.28	13.09	13.88	13.88	13.64	13.64	13.58	13.58	13.45	13.44	11.17
Gross NPAs	3,704.85	3,604.93	3,604.93	4,014.56	4,014.56	4,055.31	4,055.31	4,022.14	3,935.61	3,935.61	3,963.47	3,963.47	3,889.43	3,889.43	3,844.90	3,982.56	3,982.56	4,457.41	4,457.41	4,319.03	4,319.03	4,072.67	4,394.57	27,975.98
Net NPAs	676.85	653.00	653.00	671.19	671.19	770.84	770.84	797.25	800.14	800.14	1,142.62	1,142.62	1,168.02	1,168.02	1,246.03	1,329.73	1,329.73	1,934.36	1,934.36	1,885.19	1,885.19	2,100.69	1,658.09	8,204.53
Slippages	964.00	4,858.00	1,102.00	3,756.00	1,050.00	2,706.00	1,248.00	1,458.00	5,090.00	1,223.00	3,867.00	1,348.00	2,519.00	1,314.00	1,205.00	5,270.00	1,356.00	3,914.00	1,233.00	2,681.00	1,199.00	1,482.00	4,774.00	5,796.00
% of Gross NPAs	1.30%	1.30%	1.30%	1.50%	1.50%	1.60%	1.60%	1.60%	1.60%	1.60%	1.60%	1.60%	1.60%	1.60%	1.70%	1.70%	1.70%	2.00%	2.00%	2.00%	2.00%	2.00%	2.17%	13.93%
% of Net NPAs	0.20%	0.20%	0.20%	0.30%	0.30%	0.30%	0.30%	0.30%	0.30%	0.30%	0.50%	0.50%	0.50%	0.50%	0.50%	0.60%	0.60%	0.90%	0.90%	0.90%	0.90%	1.00%	0.83%	4.53%
Slippage Ratio	1.60%	1.97%	1.79%	2.05%	1.72%	2.30%	2.12%	2.54%	2.23%	2.15%	2.37%	2.48%	2.41%	2.51%	2.41%	2.59%	2.67%	2.68%	2.53%	2.79%	2.49%	3.18%	2.64%	3.47%
Restructured Account	229.00	241.00	241.00	259.00	259.00	271.00	271.00	378.00	424.00	424.00	1,928.00	1,928.00	2,125.00	2,125.00	3,643.00	3,792.00	3,792.00	3,958.00	3,958.00	4,499.00	4,499.00	4,682.00	4,705.00	6,752.00
Return on Assets	0.90%	0.80%	1.00%	0.80%	0.90%	0.70%	0.60%	0.80%	0.60%	0.70%	0.50%	0.60%	0.50%	0.50%	0.50%	0.30%	0.50%	0.30%	0.20%	0.30%	0.20%	0.40%	0.20%	0.40%
PCR without Tech W/off (%)	81.73%	81.89%	81.89%	83.28%	83.28%	80.99%	80.99%	80.18%	79.67%	79.67%	71.17%	71.17%	69.97%	69.97%	67.59%	66.61%	66.61%	56.60%	56.60%	56.35%	56.35%	48.42%	62.27%	70.67%
Business Numbers (Rs. Crores)
Business	600,491.00	592,414.00	592,414.00	549,974.72	549,974.72	546,487.64	546,487.64	516,866.61	530,713.60	530,713.60	522,057.36	522,057.36	512,331.29	512,331.29	494,637.62	494,171.64	494,171.64	459,353.76	459,353.76	443,465.64	443,465.64	419,572.72	420,771.30	378,243.72
Net Advances	285,117.89	273,444.55	273,444.55	257,450.93	257,450.93	250,211.91	250,211.91	241,023.56	246,188.47	246,188.47	244,833.78	244,833.78	235,116.96	235,116.96	229,565.38	227,799.47	227,799.47	217,522.61	217,522.61	209,106.02	209,106.02	200,203.63	203,269.44	181,051.99
- Net Advances Growth YoY	18.29%	11.07%	11.07%	5.15%	5.15%	6.42%	6.42%	4.99%	8.07%	8.07%	12.56%	12.56%	12.44%	12.44%	14.67%	12.07%	12.07%	11.79%	11.79%	8.74%	8.74%	7.42%	12.27%	8.48%
Deposits	315,373.11	318,969.45	318,969.45	292,523.79	292,523.79	296,275.73	296,275.73	275,843.05	284,525.13	284,525.13	277,223.58	277,223.58	277,214.33	277,214.33	265,072.24	266,372.17	266,372.17	241,831.15	241,831.15	234,359.62	234,359.62	219,369.09	217,501.86	197,191.73
- Deposit Growth YoY	14.33%	12.11%	12.11%	5.52%	5.52%	6.88%	6.88%	4.06%	6.81%	6.81%	14.64%	14.64%	18.29%	18.29%	20.83%	22.47%	22.47%	13.21%	13.21%	17.17%	17.17%	13.52%	10.30%	21.02%
--Savings deposits	58,551.00	59,637.00	59,637.00	58,674.00	58,674.00	55,796.00	55,796.00	54,090.00	54,176.00	54,176.00	52,045.00	52,045.00	47,663.00	47,663.00	44,733.00	40,973.00	40,973.00	39,054.00	39,054.00	36,524.00	36,524.00	34,090.00	33,300.00	34,970.00
--Current deposits	44,682.00	52,322.00	52,322.00	40,809.00	40,809.00	43,912.00	43,912.00	36,260.00	43,304.00	43,304.00	39,605.00	39,605.00	40,938.00	40,938.00	36,834.00	41,344.00	41,344.00	32,695.00	32,695.00	32,433.00	32,433.00	30,477.00	33,603.00	26,389.00
CASA	103,233.00	111,959.00	111,959.00	99,483.00	99,483.00	99,708.00	99,708.00	90,350.00	97,480.00	97,480.00	91,650.00	91,650.00	88,601.00	88,601.00	81,567.00	82,317.00	82,317.00	71,749.00	71,749.00	68,957.00	68,957.00	64,567.00	66,903.00	61,359.00
-- % of total Deposits	32.73%	35.10%	35.10%	34.01%	34.01%	33.65%	33.65%	32.75%	34.26%	34.26%	33.06%	33.06%	31.96%	31.96%	30.77%	30.90%	30.90%	29.67%	29.67%	29.42%	29.42%	29.43%	30.76%	31.12%
Cost Ratios as % of Total Income
Interest / Discount on advances	75.92%	76.27%	76.68%	76.13%	76.14%	76.12%	76.34%	75.91%	75.42%	76.62%	75.02%	75.42%	74.82%	75.55%	74.09%	76.44%	75.71%	76.72%	76.66%	76.74%	76.34%	77.16%	78.52%	79.35%
Income on Investments	18.38%	17.98%	18.08%	17.94%	18.46%	17.68%	17.41%	17.95%	18.43%	17.59%	18.71%	18.10%	19.02%	18.67%	19.36%	17.97%	18.61%	17.74%	18.11%	17.55%	17.03%	18.08%	15.70%	15.13%
Interest on bal with RBI and others	1.93%	1.36%	1.26%	1.39%	1.16%	1.51%	1.52%	1.49%	1.27%	1.34%	1.25%	1.54%	1.11%	0.66%	1.55%	1.66%	0.69%	2.02%	1.39%	2.36%	3.16%	1.52%	3.71%	3.69%
Others	3.77%	4.40%	3.99%	4.53%	4.24%	4.68%	4.73%	4.64%	4.88%	4.45%	5.02%	4.94%	5.06%	5.12%	5.00%	3.92%	4.99%	3.53%	3.85%	3.35%	3.47%	3.23%	2.07%	1.83%
other income	22.35%	22.41%	22.61%	22.33%	21.64%	22.68%	22.28%	23.07%	18.96%	22.84%	17.69%	19.31%	16.87%	18.20%	15.53%	18.54%	21.06%	17.61%	17.10%	17.87%	18.03%	17.71%	17.30%	18.13%
Total Interest Expense	65.36%	67.60%	65.52%	68.30%	67.31%	68.80%	68.82%	68.78%	71.05%	70.11%	71.36%	71.60%	71.23%	71.54%	70.93%	70.66%	71.09%	70.50%	71.12%	70.16%	71.31%	68.97%	65.12%	65.84%
Net Interest Income	34.64%	32.40%	34.48%	31.70%	32.69%	31.20%	31.18%	31.22%	28.95%	29.89%	28.64%	28.40%	28.77%	28.46%	29.07%	29.34%	28.91%	29.50%	28.88%	29.84%	28.69%	31.03%	34.88%	34.16%
Wages	14.18%	14.04%	13.60%	14.19%	15.50%	13.54%	13.64%	13.43%	12.97%	13.35%	12.85%	12.82%	12.87%	13.03%	12.70%	13.68%	13.78%	13.65%	13.04%	13.97%	13.29%	14.68%	14.82%	15.01%
Other administrative Exps	21.63%	22.51%	22.34%	22.57%	22.48%	22.62%	22.25%	22.98%	21.16%	22.12%	20.85%	21.11%	20.72%	21.01%	20.44%	21.93%	24.08%	21.13%	20.57%	21.43%	21.49%	21.37%	23.35%	20.97%
Total Operating Expenses	35.81%	36.56%	35.94%	36.77%	37.98%	36.16%	35.90%	36.41%	34.14%	35.47%	33.70%	33.93%	33.59%	34.04%	33.13%	35.61%	37.86%	34.78%	33.61%	35.40%	34.78%	36.04%	38.16%	35.98%
Profit before Tax and Provisions	21.18%	18.25%	21.15%	17.27%	16.35%	17.73%	17.57%	17.88%	13.77%	17.26%	12.63%	13.78%	12.04%	12.62%	11.47%	12.28%	12.12%	12.33%	12.37%	12.31%	11.94%	12.70%	14.02%	16.31%
Provisions and contingencies	4.90%	3.02%	2.45%	3.22%	0.29%	4.69%	5.68%	3.74%	3.51%	4.18%	3.30%	3.30%	3.29%	3.84%	2.74%	6.84%	6.32%	7.03%	7.94%	6.54%	7.46%	5.59%	9.78%	8.77%
PBT	16.28%	15.23%	18.70%	14.05%	16.06%	13.03%	11.89%	14.14%	10.26%	13.08%	9.33%	10.48%	8.75%	8.77%	8.73%	5.44%	5.80%	5.31%	4.43%	5.77%	4.48%	7.11%	4.24%	7.55%
Income Tax	2.96%	3.71%	4.73%	3.36%	3.45%	3.31%	3.02%	3.59%	2.47%	3.39%	2.17%	2.66%	1.92%	1.62%	2.22%	0.90%	-0.27%	1.34%	1.11%	1.45%	1.13%	1.79%	1.08%	1.94%
PAT	13.31%	11.52%	13.96%	10.69%	12.62%	9.72%	8.87%	10.55%	7.79%	9.69%	7.16%	7.82%	6.83%	7.15%	6.51%	4.54%	6.07%	3.97%	3.31%	4.32%	3.36%	5.32%	3.16%	5.60%

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