Private Sector Banks

Profitability

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

Total Interest Income

470,381

FY22

Net Interest Income

246,459

FY22

Other Income

100,839

FY22

Total Operating Expenses

155,590

FY22

Pre-Prov. Operating Profit

191,708

FY22

Total Provisions

63,441

FY22

Profit Before Tax

128,267

FY22

Profit After Tax

96,928

FY22

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%

Total Interest Income

581,415

FY23

Net Interest Income

306,334

FY23

Other Income

108,605

FY23

Total Operating Expenses

190,207

FY23

Pre-Prov. Operating Profit

224,731

FY23

Total Provisions

42,858

FY23

Profit Before Tax

181,873

FY23

Profit After Tax

124,089

FY23

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%

Total Interest Income

795,886

FY24

Net Interest Income

366,526

FY24

Other Income

145,230

FY24

Total Operating Expenses

238,878

FY24

Pre-Prov. Operating Profit

272,878

FY24

Total Provisions

50,001

FY24

Profit Before Tax

222,877

FY24

Profit After Tax

175,250

FY24

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%

Total Interest Income

909,850

FY25

Net Interest Income

401,421

FY25

Other Income

156,593

FY25

Total Operating Expenses

261,262

FY25

Pre-Prov. Operating Profit

296,753

FY25

Total Provisions

50,724

FY25

Profit Before Tax

246,029

FY25

Profit After Tax

189,160

FY25

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%

Total Interest Income

938,934

FY26

Net Interest Income

420,678

FY26

Other Income

181,517

FY26

Total Operating Expenses

280,150

FY26

Pre-Prov. Operating Profit

322,044

FY26

Total Provisions

69,417

FY26

Profit Before Tax

252,628

FY26

Profit After Tax

196,846

FY26

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%

Asset Quality

NPA Metrics — Private Sector Banks · Rs. Crores

Gross NPA

184,144

FY22

Net NPA

44,376

FY22

Avg GNPA %

5.35%

FY22

Avg NNPA %

1.70%

FY22

Avg PCR %

64.69%

FY22

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)

Gross NPA

127,553

FY23

Net NPA

29,556

FY23

Avg GNPA %

3.20%

FY23

Avg NNPA %

0.96%

FY23

Avg PCR %

70.32%

FY23

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)

Gross NPA

130,193

FY24

Net NPA

31,551

FY24

Avg GNPA %

2.63%

FY24

Avg NNPA %

0.79%

FY24

Avg PCR %

69.87%

FY24

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)

Gross NPA

133,460

FY25

Net NPA

35,042

FY25

Avg GNPA %

2.34%

FY25

Avg NNPA %

0.64%

FY25

Avg PCR %

73.21%

FY25

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)

Gross NPA

127,265

FY26

Net NPA

34,029

FY26

Avg GNPA %

1.80%

FY26

Avg NNPA %

0.47%

FY26

Avg PCR %

74.57%

FY26

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)

Balance Sheet

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

Total Assets

7,340,382

FY22

Total Deposit

5,456,695

FY22

Total Net Advances

4,550,048

FY22

Total Networth

790,774

FY22

Total Gross NPA

184,144

FY22

Total Net NPA

44,376

FY22

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

Balance Sheet Metrics — Annual Data

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

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

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

Total Assets

8,436,545

FY23

Total Deposit

6,291,333

FY23

Total Net Advances

5,362,358

FY23

Total Networth

920,303

FY23

Total Gross NPA

127,553

FY23

Total Net NPA

29,556

FY23

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

Balance Sheet Metrics — Annual Data

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

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

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

Total Assets

10,512,066

FY24

Total Deposit

7,553,234

FY24

Total Net Advances

6,856,271

FY24

Total Networth

1,198,451

FY24

Total Gross NPA

130,193

FY24

Total Net NPA

31,551

FY24

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

Balance Sheet Metrics — Annual Data

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

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

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

Total Assets

11,573,227

FY25

Total Deposit

8,493,935

FY25

Total Net Advances

7,472,259

FY25

Total Networth

1,399,160

FY25

Total Gross NPA

133,460

FY25

Total Net NPA

35,042

FY25

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

Balance Sheet Metrics — Annual Data

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

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

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

Total Assets

13,001,732

FY26

Total Deposit

9,576,854

FY26

Total Net Advances

8,508,589

FY26

Total Networth

1,584,739

FY26

Total Gross NPA

127,265

FY26

Total Net NPA

34,029

FY26

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

Balance Sheet Metrics — Annual Data

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

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

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

Efficiency & Capital

Key Ratios — Private Sector Banks

Total Branches

33,164

FY22

PAT Per Branch

2.92

FY22

Deposit Per Branch

164.54

FY22

Advances Per Branch

137.20

FY22

Bank-wise Comparison · FY22

Net Interest Income (%) · FY22

Cost-to-Income Ratio (%) · FY22

Return on Equity (%) · FY22

Return on Assets (%) · FY22

Total Branches

36,478

FY23

PAT Per Branch

3.40

FY23

Deposit Per Branch

172.47

FY23

Advances Per Branch

147.00

FY23

Bank-wise Comparison · FY23

Net Interest Income (%) · FY23

Cost-to-Income Ratio (%) · FY23

Return on Equity (%) · FY23

Return on Assets (%) · FY23

Total Branches

40,053

FY24

PAT Per Branch

4.38

FY24

Deposit Per Branch

188.58

FY24

Advances Per Branch

171.18

FY24

Bank-wise Comparison · FY24

Net Interest Income (%) · FY24

Cost-to-Income Ratio (%) · FY24

Return on Equity (%) · FY24

Return on Assets (%) · FY24

Total Branches

42,616

FY25

PAT Per Branch

4.44

FY25

Deposit Per Branch

199.31

FY25

Advances Per Branch

175.34

FY25

Bank-wise Comparison · FY25

Net Interest Income (%) · FY25

Cost-to-Income Ratio (%) · FY25

Return on Equity (%) · FY25

Return on Assets (%) · FY25

Total Branches

44,854

FY26

PAT Per Branch

4.39

FY26

Deposit Per Branch

213.51

FY26

Advances Per Branch

189.70

FY26

Bank-wise Comparison · FY26

Net Interest Income (%) · FY26

Cost-to-Income Ratio (%) · FY26

Return on Equity (%) · FY26

Return on Assets (%) · FY26

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

Download PDF

Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	99,508	25,512	73,996	25,163	48,832	24,424	24,408	97,200	24,580	72,621	24,641	47,980	24,261	23,719	87,107	23,351	63,755	22,364	41,391	21,256	20,135	64,554	49,617
Income on Investments	25,300	6,709	18,591	6,556	12,035	5,892	6,143	22,928	6,095	16,833	5,809	11,024	5,444	5,581	20,011	5,338	14,672	5,089	9,583	4,800	4,783	18,179	14,619
Interest on bal with RBI and others	1,274	289	984	269	716	408	308	1,236	297	939	293	646	351	295	908	256	652	146	505	206	299	899	1,528
Others	951	213	737	286	451	246	205	1,312	271	1,041	212	830	364	466	1,343	279	1,065	361	704	364	340	1,532	1,613
Total Fund based income	127,032	32,724	94,308	32,274	62,034	30,970	31,064	122,677	31,243	91,435	30,954	60,481	30,420	30,061	109,369	29,225	80,144	27,961	52,183	26,626	25,557	85,164	67,377
--growth y-o-y	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	—	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	26,131	6,023	20,108	6,226	13,883	6,625	7,258	25,257	6,780	18,478	5,972	12,505	6,722	5,783	22,442	6,766	15,676	5,555	10,121	5,034	5,087	16,143	15,221
Total Income	153,163	38,747	114,416	38,500	75,916	37,595	38,322	147,934	38,022	109,912	36,926	72,986	37,142	35,844	131,811	35,990	95,820	33,516	62,304	31,660	30,644	101,307	82,597
Total Interest Expense	70,984	18,267	52,717	17,988	34,729	17,226	17,504	68,329	17,432	50,897	17,348	33,549	16,937	16,612	59,474	16,136	43,339	15,429	27,910	14,312	13,598	42,218	34,245
--growth y-o-y	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	—	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	56,048	14,457	41,591	14,287	27,304	13,745	13,560	54,348	13,811	40,537	13,606	26,931	13,483	13,448	49,894	13,089	36,805	12,532	24,273	12,315	11,959	42,946	33,132
--growth y-o-y	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	—	1.19%	—	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	12,266	3,115	9,151	2,772	6,379	3,118	3,262	12,193	2,962	9,231	2,985	6,247	3,117	3,129	10,933	2,924	8,010	2,711	5,298	2,610	2,688	8,797	7,613
Other administrative Exps	27,096	7,352	19,745	6,865	12,880	6,839	6,041	25,307	6,876	18,431	6,060	12,371	6,375	5,996	24,280	6,396	17,885	6,234	11,650	6,107	5,543	18,243	15,998
Total Operating Expenses	39,362	10,466	28,896	9,637	19,259	9,957	9,303	37,500	9,838	27,662	9,044	18,618	9,493	9,125	35,213	9,319	25,894	8,946	16,948	8,717	8,232	27,041	23,611
Profit before Tax and Provisions	42,817	10,013	32,803	10,876	21,928	10,413	11,515	42,105	10,752	31,353	10,534	20,819	10,712	10,106	37,123	10,536	26,587	9,141	17,446	8,632	8,814	32,048	24,742
--growth y-o-y	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	—	-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	951	213	737	286	451	246	205	1,312	271	1,041	212	830	364	466	1,343	279	1,065	361	704	364	340	1,532	1,613
Total Provisions	13,263	3,522	9,741	2,246	7,495	3,547	3,948	7,758	1,359	6,399	2,156	4,243	2,204	2,039	4,063	1,185	2,878	1,028	1,849	815	1,035	2,653	7,359
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	12,490	0
Profit Before tax	29,554	6,491	23,063	8,630	14,433	6,865	7,568	34,347	9,393	24,954	8,378	16,575	8,508	8,067	33,060	9,350	23,710	8,113	15,597	7,817	7,779	16,906	17,383
Income Tax	5,097	580	0	580	5,677	2,140	3,537	1,776	1,761	7,973	2,276	5,698	2,074	3,623	1,591	2,032	8,199	2,221	5,978	2,042	3,936	1,954	1,982
effective tax rate	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	24,457	7,071	17,385	6,490	10,896	5,090	5,806	26,373	7,118	19,256	6,304	12,952	6,918	6,035	24,861	7,130	17,732	6,071	11,661	5,864	5,797	9,580	13,025
--growth y-o-y	-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	—	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	622	621	621	621	621	620	619	619	619	619	619	619	618	617	617	617	617	616	616	616	615	614
Reserves & Surplus	203,573	203,573	195,383	195,383	188,893	188,893	183,804	177,997	177,997	168,874	168,874	162,570	162,570	155,652	149,618	149,618	142,110	142,110	136,039	136,039	130,175	124,378	114,412
Capital Adequacy Ratio	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	14.38%	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 (%)	3.69%	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	79	23	56	21	35	16	19	85	23	62	20	42	22	20	81	23	58	20	38	19	19	31	42
DPS	1	—	—	—	—	—	—	1	—	—	—	—	—	—	1	—	—	—	—	—	—	1	1
Dividend Payout	1.27%	—	—	—	—	—	—	1.17%	—	—	—	—	—	—	1.24%	—	—	—	—	—	—	3.21%	2.36%
Cost to Income Ratio	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	657	657	631	631	611	611	595	577	577	548	548	528	528	506	487	487	463	463	443	443	425	406	375
Adj Book Value	646	646	620	620	599	599	583	568	568	539	539	519	519	498	479	479	455	455	436	436	416	398	362
Gross NPAs	16,084	16,084	17,167	17,167	17,308	17,308	17,765	14,490	14,490	15,850	15,850	15,466	15,466	16,211	15,127	15,127	15,893	15,893	16,757	16,757	18,158	18,604	21,822
Growth YoY	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	4,790	4,790	5,154	5,154	5,114	5,114	5,066	3,685	3,685	3,775	3,775	3,612	3,612	3,553	3,247	3,247	3,527	3,527	3,441	3,441	3,704	3,559	5,512
Growth YoY	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	24,612	4,709	19,903	6,007	13,896	5,696	8,200	19,473	4,805	14,668	5,432	9,236	4,443	4,793	14,430	3,471	10,959	3,715	7,244	3,254	3,990	14,249	20,110
% of Gross NPAs	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	0.37%	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	2.36%	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	1.45%	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 (%)	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	1,233,570	1,233,570	1,159,052	1,159,052	1,116,703	1,116,703	1,059,724	1,040,811	1,040,811	1,014,564	1,014,564	999,979	999,979	980,092	965,068	965,068	932,286	932,286	897,347	897,347	858,511	845,303	707,696
- Net Advances Growth YoY	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	673,468	673,468	644,575	644,575	635,460	635,460	622,960	622,897	622,897	605,825	605,825	598,715	598,715	585,112	583,265	583,265	546,999	546,999	519,736	519,736	497,810	487,571	400,142
-- % of total Advances	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	1,335,834	1,335,834	1,260,786	1,260,786	1,203,487	1,203,487	1,161,615	1,172,952	1,172,952	1,095,883	1,095,883	1,086,744	1,086,744	1,062,484	1,068,641	1,068,641	1,004,900	1,004,900	955,556	955,556	941,690	946,945	821,721
- Deposit Growth YoY	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	344,136	344,136	321,052	321,052	317,724	317,724	305,133	311,389	311,389	289,244	289,244	298,533	298,533	294,910	302,133	302,133	290,363	290,363	292,313	292,313	295,530	297,416	242,449
-- saving deposit growth	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	184,776	184,776	172,021	172,021	161,283	161,283	163,033	166,799	166,799	143,611	143,611	142,520	142,520	149,569	157,268	157,268	133,095	133,095	131,553	131,553	133,269	149,120	127,306
-- current deposit growth	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	528,912	528,912	493,073	493,073	479,007	479,007	468,166	478,188	478,188	432,855	432,855	441,053	441,053	444,479	459,401	459,401	423,458	423,458	423,866	423,866	428,799	446,536	369,755
-- % of total Deposits	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	78.33%	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	19.92%	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	1.00%	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	0.75%	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	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	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	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	9.66%	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	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	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	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	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	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	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	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

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Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	18,547	4,654	13,893	4,685	9,208	4,475	4,732	19,367	4,764	14,604	4,852	9,752	4,882	4,870	16,506	4,629	11,877	4,083	7,794	3,888	3,906	13,775	12,184
Income on Investments	2,637	601	2,036	683	1,353	694	659	2,182	582	1,600	548	1,051	519	532	2,014	474	1,539	492	1,047	531	516	1,886	1,478
Interest on bal with RBI and others	82	31	50	11	39	22	17	97	9	88	16	72	30	42	78	22	55	18	37	14	24	69	141
Others	423	141	282	52	230	162	68	302	79	223	62	161	69	92	272	63	209	72	137	59	78	174	68
Total Fund based income	21,689	5,428	16,261	5,431	10,829	5,354	5,476	21,948	5,434	16,514	5,479	11,036	5,500	5,536	18,870	5,189	13,680	4,665	9,015	4,492	4,523	15,905	13,871
--growth y-o-y	-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	—	-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	2,734	771	1,963	691	1,272	546	726	2,918	700	2,218	1,096	1,122	595	528	2,165	694	1,471	545	925	540	385	2,469	2,702
Total Income	24,423	6,199	18,224	6,122	12,102	5,900	6,201	24,866	6,133	18,732	6,575	12,158	6,095	6,063	21,034	5,883	15,151	5,211	9,940	5,032	4,908	18,373	16,573
Total Interest Expense	10,859	2,633	8,227	2,743	5,484	2,765	2,718	10,409	2,678	7,731	2,648	5,082	2,552	2,531	8,544	2,323	6,221	2,140	4,081	2,049	2,032	6,645	5,157
--growth y-o-y	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	—	-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	10,830	2,796	8,034	2,688	5,346	2,589	2,757	11,539	2,756	8,784	2,830	5,953	2,948	3,005	10,326	2,866	7,459	2,525	4,934	2,443	2,491	9,260	8,715
--growth y-o-y	-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	—	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	4,493	1,158	3,334	1,133	2,201	1,077	1,124	4,361	1,084	3,277	1,227	2,049	1,044	1,005	3,543	970	2,573	899	1,674	862	812	2,715	2,135
Other administrative Exps	3,206	967	2,239	801	1,438	747	691	2,708	800	1,908	677	1,230	644	586	2,308	752	1,556	516	1,040	538	502	1,922	1,389
Total Operating Expenses	7,699	2,125	5,574	1,934	3,639	1,825	1,815	7,068	1,884	5,184	1,905	3,280	1,688	1,592	5,851	1,722	4,129	1,415	2,714	1,400	1,313	4,637	3,524
Profit before Tax and Provisions	5,865	1,441	4,424	1,445	2,979	1,310	1,668	7,389	1,571	5,817	2,021	3,796	1,855	1,941	6,639	1,838	4,801	1,655	3,146	1,583	1,562	7,091	7,892
--growth y-o-y	-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	—	-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	423	141	282	52	230	162	68	302	79	223	62	161	69	92	272	63	209	72	137	59	78	174	68
Total Provisions	4,131	677	3,454	1,155	2,299	1,153	1,147	3,765	1,260	2,505	1,376	1,129	606	523	3,697	1,774	1,922	684	1,238	636	602	4,198	7,763
Profit Before tax	1,734	764	970	290	679	158	521	3,623	311	3,312	645	2,667	1,249	1,418	2,943	64	2,879	971	1,907	947	960	2,893	129
Income Tax	510	230	280	85	195	46	150	878	7	0	7	885	219	666	311	354	713	10	704	239	465	226	239
effective tax rate	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	1,224	534	689	206	484	112	372	2,745	318	2,427	426	2,001	937	1,063	2,230	55	2,175	733	1,442	721	721	2,195	126
--growth y-o-y	-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	—	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	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611	1,611
Reserves	23,645	23,645	23,438	23,438	23,232	23,232	23,120	22,748	22,748	22,382	22,382	21,955	21,955	21,018	19,954	19,954	20,148	20,148	19,416	19,416	18,694	17,973	15,770
Capital Adequacy Ratio	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	17.30%	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 (%)	6.10%	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	8	3	4	1	3	1	2	17	2	15	3	12	6	7	14	0	14	5	9	4	4	14	1
DPS	2	—	—	—	—	—	—	2	—	—	—	—	—	—	2	—	—	—	—	—	—	2	0
Dividend Payout	19.75%	—	—	—	—	—	—	8.80%	—	—	—	—	—	—	10.84%	—	—	—	—	—	—	11.01%	0.00%
Cost to Income Ratio	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	157	157	155	155	154	154	154	151	151	149	149	146	146	140	134	134	135	135	131	131	126	122	108
Adj Book Value	150	150	149	149	146	146	146	144	144	142	142	139	139	134	128	128	124	124	120	120	117	116	101
Gross NPAs	5,020	5,020	4,805	4,805	7,015	7,015	6,623	6,436	6,436	6,178	6,178	6,105	6,105	5,304	4,785	4,785	8,136	8,136	7,874	7,874	6,960	5,299	6,380
Net NPAs	1,452	1,452	1,402	1,402	1,844	1,844	1,744	1,693	1,693	1,637	1,637	1,620	1,620	1,396	1,348	1,348	2,440	2,440	2,365	2,365	2,141	1,228	1,564
% of Gross NPAs	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	0.97%	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	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 (%)	71.07%	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	150,104	150,104	141,100	141,100	134,593	134,593	128,510	131,987	131,987	127,380	127,380	126,056	126,056	121,590	121,137	121,137	110,180	110,180	102,028	102,028	98,197	104,756	93,975
- Net Advances Growth YoY	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	166,344	166,344	156,720	156,720	158,075	158,075	154,670	151,212	151,212	141,000	141,000	142,510	142,510	133,210	135,202	135,202	117,420	117,420	112,079	112,079	108,480	108,069	96,331
- Deposit Growth YoY	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	37,270	37,270	34,730	34,730	36,530	36,530	35,390	39,350	39,350	38,620	38,620	40,850	40,850	38,310	40,490	40,490	35,750	35,750	36,910	36,910	33,870	36,040	34,620
-- saving deposit growth	-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	11,480	11,480	8,000	8,000	7,680	7,680	6,470	8,090	8,090	6,120	6,120	6,430	6,430	6,150	9,660	9,660	6,660	6,660	6,290	6,290	5,200	6,420	5,460
-- current deposit growth	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	48,750	48,750	42,730	42,730	44,210	44,210	41,860	47,440	47,440	44,740	44,740	47,280	47,280	44,460	50,150	50,150	42,410	42,410	43,200	43,200	39,070	42,460	40,080
-- % of total Deposits	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	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	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	0.38%	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	1.95%	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	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	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	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	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	14.78%	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	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	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	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	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	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	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

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Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	5,572	1,515	4,057	1,435	2,622	1,332	1,290	4,672	1,243	3,429	1,199	2,230	1,143	1,086	4,153	1,081	3,073	1,036	2,037	1,028	1,009	3,801	3,454
Income on Investments	1,179	311	868	294	574	288	286	1,073	271	802	269	533	271	262	959	252	707	247	461	239	221	835	631
Interest on bal with RBI and others	109	29	81	26	55	29	26	80	16	64	9	55	16	38	154	40	115	43	71	36	35	75	16
Others	9	0	9	2	8	5	2	8	2	7	2	5	3	2	4	2	2	1	1	1	1	3	4
Total Fund based income	6,870	1,856	5,014	1,756	3,258	1,653	1,605	5,834	1,533	4,301	1,479	2,823	1,434	1,389	5,271	1,374	3,896	1,326	2,570	1,304	1,266	4,714	4,105
--growth y-o-y	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	—	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	1,039	290	748	245	503	259	244	898	251	647	228	418	226	192	742	175	566	193	374	182	191	810	759
Total Income	7,909	2,146	5,762	2,001	3,761	1,912	1,849	6,732	1,784	4,948	1,707	3,241	1,660	1,581	6,012	1,549	4,463	1,519	2,944	1,486	1,458	5,525	4,864
Total Interest Expense	4,040	1,070	2,970	1,004	1,967	987	980	3,518	932	2,586	891	1,695	851	843	3,147	828	2,320	810	1,509	766	744	2,552	2,188
--growth y-o-y	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	—	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	2,830	786	2,044	752	1,292	667	625	2,316	600	1,715	588	1,128	582	545	2,123	547	1,577	516	1,061	538	523	2,163	1,916
--growth y-o-y	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	—	4.47%	—	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	890	235	655	230	425	224	201	733	197	536	179	358	184	174	614	168	446	156	290	158	132	530	504
Other administrative Exps	965	262	702	254	448	231	218	802	214	588	202	386	197	189	735	202	532	189	343	176	168	625	577
Total Operating Expenses	1,854	497	1,358	484	873	455	418	1,535	411	1,125	380	744	381	364	1,348	370	978	345	634	334	300	1,155	1,080
Profit before Tax and Provisions	2,014	580	1,435	513	922	471	451	1,679	441	1,238	436	802	428	373	1,517	352	1,165	364	801	387	414	1,818	1,595
--growth y-o-y	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	—	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	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0
Others	9	0	9	2	8	5	2	8	2	7	2	5	3	2	4	2	2	1	1	1	1	3	4
Total Provisions	343	120	223	96	127	57	70	262	78	184	75	109	70	39	286	32	254	46	208	56	152	640	610
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before tax	1,671	460	1,212	417	795	414	381	1,417	363	1,054	361	693	358	334	1,231	320	911	318	593	331	262	1,177	985
Income Tax	345	100	245	85	160	85	75	293	75	218	75	143	73	70	215	65	150	65	85	50	35	240	225
effective tax rate	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	1,326	360	967	332	635	329	306	1,124	288	836	286	550	285	264	1,016	255	761	253	508	281	227	937	760
--growth y-o-y	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	—	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	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74	74
Reserves	10,491	10,491	10,359	10,359	10,027	10,027	9,698	9,393	9,393	9,163	9,163	8,877	8,877	8,592	8,327	8,327	8,144	8,144	7,891	7,891	7,610	7,383	6,512
Capital Adequacy Ratio	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	18	5	13	4	9	4	4	15	4	11	4	7	4	4	14	3	10	3	7	4	3	13	10
DPS	2	—	—	—	—	—	—	2	—	—	—	—	—	—	2	—	—	—	—	—	—	1	1
Dividend Payout	11.21%	—	—	—	—	—	—	13.19%	—	—	—	—	—	—	10.94%	—	—	—	—	—	—	7.90%	9.73%
Cost to Income Ratio	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	142	142	141	141	136	136	132	128	128	125	125	121	121	117	113	113	111	111	108	108	104	101	89
Adj Book Value	138	138	136	136	131	131	126	122	122	118	118	114	114	109	105	105	102	102	98	98	94	91	78
Gross NPAs	1,273	1,273	1,320	1,320	1,393	1,393	1,617	1,638	1,638	1,693	1,693	1,726	1,726	1,806	1,854	1,854	1,968	1,968	2,035	2,035	2,081	1,920	1,933
Net NPAs	449	449	469	469	513	513	635	653	653	702	702	775	775	854	899	899	941	941	999	999	1,039	1,018	1,191
% of Gross NPAs	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	0.68%	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	1.56%	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	512	512	487	487	593	593	584	689	689	778	778	858	858	828	929	929	1,029	1,029	1,103	1,103	1,141	1,255	2,184
PCR without Tech W/off (%)	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	144,183	144,183	131,408	131,408	126,167	126,167	119,754	115,607	115,607	108,680	108,680	105,141	105,141	101,405	101,182	101,182	96,743	96,743	95,366	95,366	94,060	95,451	88,048
Net Advances	65,875	65,875	60,892	60,892	56,681	56,681	54,020	52,081	52,081	50,409	50,409	47,771	47,771	46,548	45,526	45,526	44,017	44,017	42,652	42,652	42,405	43,053	40,358
- Net Advances Growth YoY	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	78,308	78,308	70,516	70,516	69,486	69,486	65,734	63,526	63,526	58,271	58,271	57,369	57,369	54,857	55,657	55,657	52,726	52,726	52,714	52,714	51,655	52,398	47,690
- Deposit Growth YoY	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	14,617	14,617	13,635	13,635	13,479	13,479	12,598	12,045	12,045	11,381	11,381	11,804	11,804	11,571	11,561	11,561	10,967	10,967	11,013	11,013	11,158	10,893	10,910
--Current deposits	7,027	7,027	5,598	5,598	6,058	6,058	5,352	6,074	6,074	4,751	4,751	5,089	5,089	4,624	5,489	5,489	4,392	4,392	4,577	4,577	4,735	4,764	4,619
CASA	21,644	21,644	19,234	19,234	19,537	19,537	17,950	18,119	18,119	16,132	16,132	16,893	16,893	16,195	17,050	17,050	15,359	15,359	15,590	15,590	15,893	15,657	15,529
-- % of total Deposits	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	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	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	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	0.14%	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	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	58.81%	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	41.19%	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	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	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	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	29.32%	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	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	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	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	19.31%	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	3,707	—	996	2,712	952	1,759	914	845	2,931	788	2,143	756	1,387	712	676	2,460	660	1,800	644	1,156	585	571	1,888
Income on Investments	763	—	201	562	187	374	187	187	622	183	439	158	281	143	138	424	123	301	113	188	96	92	405
Interest on bal with RBI and others	25	—	2	23	11	12	5	7	20	7	13	5	8	4	5	15	4	10	3	7	4	3	11
Others	10	1	8	4	4	3	1	25	4	21	1	20	6	14	29	7	22	2	20	3	17	16	42
Total Fund based income	4,505	1,201	3,304	1,154	2,150	1,109	1,041	3,597	981	2,616	919	1,697	865	832	2,928	795	2,133	762	1,371	687	683	2,320	2,038
--growth y-o-y	-8.14%	—	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	—	—	—	4.06%	—	6.55%	6.12%	—	6.69%	—	6.31%	—	3.95%	4.67%	—	4.34%	—	10.84%	—	0.56%	7.38%	—	—
Other Income	1,177	—	306	870	276	594	349	245	972	381	591	219	371	199	172	592	197	395	125	270	148	122	316
Total Income	5,682	1,507	4,175	1,431	2,744	1,458	1,286	4,569	1,362	3,207	1,139	2,068	1,064	1,004	3,519	991	2,528	887	1,641	836	805	2,636	2,290
Total Interest Expense	2,785	—	737	2,048	701	1,347	686	662	2,121	610	1,511	544	967	497	470	1,451	409	1,042	379	663	344	319	986
--growth y-o-y	-3.43%	—	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	—	—	—	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	1,720	464	1,256	453	803	424	379	1,476	371	1,105	375	729	367	362	1,476	386	1,090	383	708	344	364	1,334	1,153
--growth y-o-y	-14.90%	—	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	—	—	—	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	932	—	251	681	232	449	228	221	754	196	558	196	362	185	177	721	190	531	173	358	176	182	558
Other administrative Exps	879	—	225	654	206	448	265	183	784	240	544	178	366	182	184	568	165	403	139	264	142	122	384
Total Operating Expenses	1,812	477	1,335	438	897	493	404	1,538	436	1,102	374	728	367	361	1,288	355	934	312	622	318	304	942	786
Profit before Tax and Provisions	1,085	294	792	292	500	279	220	910	317	593	221	373	200	172	780	228	552	196	356	175	181	707	619
--growth y-o-y	-13.02%	—	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	—	—	—	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	200	—	11	189	77	112	55	57	82	49	33	7	26	6	20	58	29	29	4	25	11	14	31
Loss on transfer of investments to HTM	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Others	10	1	8	4	4	3	4	1	25	4	21	1	20	0	39	7	32	9	23	14	9	57	64
Exceptional items	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Provisions	234	—	23	211	87	124	64	61	111	60	50	17	34	14	20	18	3	4	22	3	3	26	5
Profit Before tax	851	271	581	205	375	216	160	800	257	543	204	339	186	152	761	206	555	200	355	178	177	734	614
Income Tax	218	—	69	149	53	96	55	41	206	66	140	52	87	48	39	195	55	140	50	89	45	44	186
effective tax rate	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	633	202	432	153	279	160	119	594	190	403	152	252	138	113	567	151	415	150	265	133	132	547	458
--growth y-o-y	-27.32%	—	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	—	—	—	-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	174	—	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174	174
Reserves	—	4,550	4,550	4,582	4,582	4,429	4,429	4,269	4,150	4,150	3,858	3,858	3,706	3,706	3,568	3,454	3,454	3,293	3,293	3,143	3,143	3,010	2,878
Capital Adequacy Ratio	0.00%	—	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	—	0.00%	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	—	—	36	12	25	9	16	9	7	34	11	23	9	15	8	7	33	9	24	9	15	8	8
DPS	—	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Dividend Payout	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	62.77%	—	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	—	—	272	272	274	274	265	265	256	249	249	232	232	224	224	216	209	209	200	200	191	191	183
Adj Book Value	—	—	266	266	264	264	258	258	247	243	243	225	225	216	216	209	204	204	197	197	188	188	181
Gross NPAs	670	—	670	729	729	629	629	606	498	498	458	458	452	452	424	361	361	279	279	285	285	271	263
Net NPAs	158	—	158	246	246	178	178	215	164	164	183	183	183	183	169	125	125	70	70	72	72	68	72
% of Gross NPAs	0.00%	—	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	0.00%	—	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	—	—	1.16%	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 (%)	—	—	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	84,094	84,094	77,137	77,137	73,913	73,913	68,487	68,369	68,369	62,046	62,046	58,442	58,442	54,764	54,054	54,054	50,003	50,003	47,694	47,694	45,579	45,156	36,003
Net Advances	39,848	—	39,848	36,677	36,677	34,262	34,262	32,552	31,507	31,507	28,639	28,639	26,602	26,602	24,844	24,336	24,336	22,658	22,658	22,256	22,256	21,104	20,651
- Net Advances Growth YoY	—	—	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	44,246	—	44,246	40,460	40,460	39,651	39,651	35,935	36,861	36,861	33,407	33,407	31,840	31,840	29,920	29,719	29,719	27,345	27,345	25,438	25,438	24,476	24,506
- Deposit Growth YoY	—	—	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	8,832	—	8,832	8,316	8,316	8,394	8,394	8,441	8,918	8,918	8,042	8,042	7,670	7,670	7,449	8,085	8,085	7,543	7,543	7,448	7,448	7,548	7,886
-- % of total Deposits	—	—	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	82.06%	—	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	17.00%	—	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	0.69%	—	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	0.25%	—	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	26.34%	—	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	61.98%	—	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	38.02%	—	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	20.61%	—	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	19.79%	—	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	40.40%	—	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	23.96%	—	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	6.39%	—	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	17.57%	—	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	4.51%	—	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	13.06%	—	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	5,890	1,539	4,351	1,479	2,872	1,442	1,430	5,099	1,385	3,714	1,322	2,392	1,226	1,165	4,238	1,139	3,099	1,081	2,018	1,039	979	3,395	2,832
Income on Investments	1,440	344	1,096	361	735	367	368	1,310	341	969	335	634	326	309	1,050	289	761	275	486	249	237	712	594
Interest on bal with RBI and others	47	20	28	12	16	8	8	32	9	23	7	17	9	8	32	6	26	8	18	7	10	59	54
Others	27	4	23	10	13	6	7	29	7	22	7	15	8	8	42	11	31	9	22	10	11	34	33
Total Fund based income	7,404	1,907	5,497	1,861	3,636	1,823	1,814	6,471	1,742	4,729	1,671	3,058	1,568	1,489	5,362	1,445	3,917	1,374	2,543	1,306	1,238	4,200	3,513
--growth y-o-y	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	—	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	855	212	644	221	422	186	236	751	219	532	184	348	205	143	474	136	338	124	214	107	107	409	451
Total Income	8,260	2,119	6,141	2,082	4,059	2,009	2,050	7,221	1,961	5,260	1,855	3,405	1,773	1,632	5,836	1,581	4,255	1,498	2,758	1,413	1,345	4,610	3,964
Total Interest Expense	4,948	1,252	3,696	1,236	2,460	1,227	1,233	4,364	1,184	3,180	1,128	2,052	1,059	993	3,434	937	2,497	900	1,597	830	767	2,483	2,155
--growth y-o-y	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	—	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	2,457	655	1,801	625	1,177	596	580	2,107	558	1,549	543	1,006	509	497	1,928	507	1,420	474	946	476	471	1,717	1,358
--growth y-o-y	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	—	4.89%	—	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	1,026	262	764	270	494	243	251	923	231	692	231	460	235	225	794	212	582	198	384	189	195	693	539
Other administrative Exps	990	262	727	254	474	235	239	897	240	657	225	432	224	209	743	198	545	188	358	184	174	647	473
Total Operating Expenses	2,016	525	1,491	523	968	478	490	1,820	471	1,349	456	893	459	434	1,538	410	1,128	386	742	373	369	1,340	1,013
Profit before Tax and Provisions	1,296	342	954	323	631	304	327	1,037	305	732	271	460	255	205	864	234	631	212	419	211	209	787	796
--growth y-o-y	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	—	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	27	4	23	10	13	6	7	29	7	22	7	15	8	8	42	11	31	9	22	10	11	34	33
Total Provisions	319	69	250	74	176	61	115	208	67	141	67	74	46	28	142	24	118	41	77	40	38	159	406
Profit Before tax	977	273	704	249	455	243	212	829	238	590	204	386	210	177	722	210	512	171	342	171	171	628	390
Income Tax	245	67	178	64	114	59	54	213	61	152	52	100	54	46	186	54	132	44	88	44	44	162	102
effective tax rate	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	732	206	526	185	341	184	157	615	177	438	151	287	155	131	536	156	380	127	254	127	127	466	288
--growth y-o-y	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	—	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	322	322	322	315	315	314	314	314	314	314	314	314	313	313	313	312	312	312	312	312	312	311
Reserves	5,824	5,824	5,616	5,616	5,431	5,431	5,247	5,090	5,090	4,903	4,903	4,752	4,752	4,596	4,465	4,465	4,335	4,335	4,208	4,208	4,082	3,955	3,511
Capital Adequacy Ratio	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	23	6	16	6	11	6	5	20	6	14	5	9	5	4	17	5	12	4	8	4	4	15	9
Cost to Income Ratio	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	191	191	185	185	182	182	177	172	172	166	166	162	162	157	153	153	149	149	145	145	141	137	123
Adj Book Value	179	179	171	171	168	168	163	159	159	154	154	150	150	146	143	143	138	138	134	134	131	129	110
Gross NPAs	1,496	1,496	1,568	1,568	1,568	1,568	1,554	1,554	1,554	1,517	1,517	1,497	1,497	1,435	1,353	1,353	1,368	1,368	1,281	1,281	1,181	1,123	1,290
Net NPAs	534	534	623	623	641	641	625	572	572	562	562	521	521	499	454	454	477	477	476	476	424	357	573
% of Gross NPAs	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	0.89%	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	0.91%	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 (%)	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	132,605	132,605	124,354	124,354	117,751	117,751	113,254	111,078	111,078	104,458	104,458	98,997	98,997	93,871	90,278	90,278	86,071	86,071	82,772	82,772	78,483	75,620	63,787
Net Advances	60,022	60,022	56,600	56,600	52,975	52,975	51,215	51,047	51,047	47,780	47,780	44,465	44,465	42,181	40,925	40,925	38,951	38,951	37,276	37,276	35,474	34,381	29,096
- Net Advances Growth YoY	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	72,583	72,583	67,754	67,754	64,777	64,777	62,039	60,031	60,031	56,678	56,678	54,532	54,532	51,690	49,353	49,353	47,120	47,120	45,496	45,496	43,009	41,239	34,692
- Deposit Growth YoY	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	13,696	13,696	13,114	13,114	12,843	12,843	12,139	12,454	12,454	11,975	11,975	11,757	11,757	11,005	10,428	10,428	10,230	10,230	9,249	9,249	9,079	8,782	7,146
- Growth YoY	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	2,551	2,551	2,314	2,314	2,392	2,392	2,330	2,267	2,267	2,247	2,247	2,206	2,206	2,127	2,414	2,414	2,081	2,081	2,142	2,142	2,088	2,114	2,135
- Growth YoY	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	16,247	16,247	15,428	15,428	15,235	15,235	14,469	14,721	14,721	14,222	14,222	13,963	13,963	13,132	12,842	12,842	12,311	12,311	11,391	11,391	11,167	10,896	9,281
-- % of total Deposits	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	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	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	0.64%	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	0.37%	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	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	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	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	13.86%	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	13.37%	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	27.23%	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	17.50%	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	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	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	3.31%	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	1,305	365	940	332	608	308	300	1,063	284	779	276	503	258	245	962	242	720	249	471	239	232	825	650
Income on Investments	276	68	208	72	136	72	64	226	60	166	50	116	58	58	221	59	162	55	107	53	54	235	246
Interest on bal with RBI and others	9	3	6	2	4	2	2	15	5	10	7	3	2	1	7	3	4	2	3	2	1	3	11
Others	11	7	5	1	3	2	2	16	2	14	2	12	10	2	17	2	14	2	12	11	2	8	9
Total Fund based income	1,601	443	1,158	407	751	384	368	1,320	351	969	335	635	329	306	1,207	306	901	308	593	304	289	1,071	917
--growth y-o-y	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	—	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	192	69	123	49	74	35	39	169	43	126	42	84	52	32	153	41	111	36	76	24	52	75	162
Total Income	1,794	512	1,282	456	825	418	407	1,489	394	1,095	377	719	381	338	1,360	347	1,012	343	669	327	341	1,146	1,078
Total Interest Expense	979	256	723	253	470	242	229	837	216	620	206	414	208	206	749	201	547	194	353	183	171	595	554
--growth y-o-y	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	—	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	622	187	435	154	281	142	139	483	134	349	128	221	121	100	458	105	354	114	240	121	119	476	362
--growth y-o-y	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	—	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	327	71	256	87	169	85	84	314	71	243	82	160	80	80	331	105	226	84	142	71	71	247	235
Other administrative Exps	271	72	200	75	125	63	61	244	68	176	62	115	60	55	211	58	152	54	98	50	48	180	163
Total Operating Expenses	598	143	456	162	293	148	145	557	139	419	144	275	140	135	542	163	378	139	240	121	119	427	397
Profit before Tax and Provisions	216	114	103	41	61	28	33	95	39	56	27	30	33	3	0	17	3	0	69	17	87	11	76
--growth y-o-y	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	—	176.30%	—	45.94%	—	-15.29%	-13.96%	—	45.52%	—	-19.77%	—	—	—	—	—	—	-52.71%	—	-54.56%	34.70%	—	—
Provisions and contingencies
Other Provisions	78	35	43	17	26	5	21	23	12	12	7	5	1	5	1	28	1	28	1	3	28	27	3
Total Provisions	78	35	43	17	26	5	21	23	12	12	7	5	1	5	1	28	1	28	1	3	28	27	3
Exceptional items	35	35	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before tax	103	43	59	24	35	23	12	72	27	44	20	25	33	8	8	8	70	11	60	3	57	26	30
Income Tax	0	0	0	0	0	0	0	5	2	0	2	7	0	7	7	0	13	7	5	0	5	18	3
effective tax rate	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	103	43	59	24	35	23	12	67	29	38	20	18	26	8	8	8	58	3	55	3	51	23	28
--growth y-o-y	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	—	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	395	395	395	395	395	395	395	395	395	253	253	253	253	253	253	253	253	253	253	253	253	253	253
Reserves	914	914	901	901	877	877	854	842	842	655	655	635	635	609	617	617	603	603	599	599	576	548	509
Capital Adequacy Ratio	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	3	1	2	1	1	1	0	2	1	1	1	1	1	0	0	0	2	0	2	0	2	1	1
DPS	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Dividend Payout	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	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	33	33	33	32	32	32	31	31	36	36	35	35	34	34	34	34	34	34	34	33	32	30
Adj Book Value	32	32	30	30	30	30	29	29	29	33	33	32	32	30	31	31	30	30	30	30	30	29	24
Gross NPAs	286	286	332	332	404	404	402	364	364	401	401	421	421	430	421	421	496	496	553	553	523	511	534
Net NPAs	75	75	154	154	143	143	139	118	118	95	95	120	120	131	126	126	126	126	127	127	105	109	232
% of Gross NPAs	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	0.51%	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	0.53%	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 (%)	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	33,561	33,561	31,751	31,751	29,884	29,884	28,788	27,973	27,973	26,137	26,137	25,349	25,349	24,785	24,392	24,392	24,285	24,285	23,703	23,703	23,024	22,803	20,545
Net Advances	14,918	14,918	13,912	13,912	12,780	12,780	12,218	11,959	11,959	11,069	11,069	10,717	10,717	10,344	10,102	10,102	9,945	9,945	9,885	9,885	9,622	9,452	8,142
- Net Advances Growth YoY	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	18,643	18,643	17,839	17,839	17,105	17,105	16,570	16,013	16,013	15,068	15,068	14,631	14,631	14,441	14,290	14,290	14,340	14,340	13,817	13,817	13,402	13,352	12,403
- Deposit Growth YoY	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	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
--Current deposits	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
CASA	5,380	5,380	5,018	5,018	4,938	4,938	4,675	4,647	4,647	4,602	4,602	4,633	4,633	4,504	4,381	4,381	4,460	4,460	4,291	4,291	4,242	4,260	4,252
-- % of total Deposits	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	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	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	0.54%	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	0.71%	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	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	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	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	20.42%	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	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	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	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	21,710	5,530	16,180	5,474	10,706	5,383	5,323	21,017	5,285	15,732	5,464	10,268	5,242	5,026	17,735	4,742	12,993	4,598	8,395	4,355	4,040	13,492	10,830
Income on Investments	4,770	1,254	3,516	1,213	2,303	1,168	1,135	4,542	1,150	3,391	1,147	2,244	1,136	1,108	3,692	1,033	2,659	950	1,709	894	815	2,796	2,339
Interest on bal with RBI and others	458	103	355	94	262	111	151	443	120	323	113	211	108	103	339	98	240	79	161	90	71	206	220
Others	757	512	245	87	158	79	78	364	93	271	85	185	92	94	423	106	318	103	215	116	99	310	272
Total Fund based income	27,695	7,399	20,296	6,868	13,429	6,742	6,687	26,365	6,648	19,717	6,809	12,908	6,577	6,331	22,188	5,978	16,210	5,730	10,480	5,455	5,025	16,804	13,661
--growth y-o-y	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	—	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	4,440	1,145	3,295	1,100	2,195	1,082	1,113	3,801	1,006	2,795	916	1,879	964	915	3,079	754	2,325	863	1,463	730	732	2,330	2,089
Total Income	32,136	8,544	23,592	7,968	15,624	7,824	7,800	30,166	7,654	22,512	7,725	14,787	7,541	7,246	25,268	6,732	18,535	6,593	11,943	6,186	5,757	19,134	15,750
Total Interest Expense	17,038	4,226	12,811	4,215	8,597	4,247	4,350	16,897	4,271	12,626	4,377	8,249	4,210	4,039	13,895	3,783	10,112	3,607	6,505	3,399	3,106	9,571	7,699
--growth y-o-y	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	—	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	10,657	3,173	7,485	2,653	4,832	2,495	2,337	9,468	2,377	7,091	2,431	4,659	2,367	2,292	8,293	2,195	6,098	2,123	3,975	2,056	1,919	7,232	5,962
--growth y-o-y	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	—	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	3,225	776	2,450	849	1,601	803	798	3,083	784	2,299	783	1,516	778	738	2,823	887	1,936	693	1,243	626	617	2,173	2,321
Other administrative Exps	4,666	1,265	3,401	1,175	2,226	1,130	1,096	4,085	1,134	2,951	995	1,956	988	968	3,375	952	2,423	855	1,568	836	732	2,595	1,973
Total Operating Expenses	7,892	2,041	5,850	2,024	3,827	1,933	1,894	7,168	1,918	5,250	1,778	3,472	1,766	1,706	6,198	1,839	4,360	1,549	2,811	1,462	1,349	4,768	4,293
Profit before Tax and Provisions	7,206	2,276	4,930	1,729	3,200	1,644	1,556	6,101	1,465	4,636	1,569	3,066	1,565	1,501	5,175	1,110	4,064	1,437	2,627	1,325	1,302	4,794	3,758
--growth y-o-y	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	—	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	1,837	741	1,096	332	763	363	400	733	138	595	292	303	158	144	196	95	95	95	291	91	199	44	156
Total Provisions	1,837	741	1,096	332	763	363	400	733	138	595	292	303	158	144	196	95	95	95	291	91	199	44	156
Profit Before tax	5,370	1,535	3,834	1,397	2,437	1,281	1,156	5,368	1,327	4,041	1,277	2,764	1,407	1,357	4,978	1,205	3,773	1,346	2,427	1,281	1,147	4,044	2,536
Income Tax	1,252	276	976	356	620	326	294	1,316	297	1,019	322	697	350	347	1,258	299	959	339	620	327	293	1,034	646
effective tax rate	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	4,117	1,259	2,858	1,041	1,817	955	862	4,052	1,030	3,022	955	2,066	1,057	1,010	3,721	906	2,814	1,007	1,808	954	854	3,011	1,890
--growth y-o-y	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	—	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	493	492	492	492	492	491	491	491	491	491	490	490	490	487	487	487	487	470	470	424	423	421
Reserves	36,658	36,658	35,783	35,783	34,741	34,741	33,786	32,924	32,924	31,624	31,624	30,669	30,669	29,612	28,602	28,602	26,568	26,568	25,562	25,562	21,932	21,078	18,368
Capital Adequacy Ratio	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	15.93%	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 (%)	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	17	5	12	4	7	4	4	16	4	12	4	8	4	4	15	4	12	4	8	4	4	14	9
DPS	1	—	—	—	—	—	—	1	—	—	—	—	—	—	1	—	—	—	—	—	—	1	2
Dividend Payout	7.18%	—	—	—	—	—	—	7.27%	—	—	—	—	—	—	7.85%	—	—	—	—	—	—	7.03%	20.03%
Cost to Income Ratio	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	151	151	147	147	143	143	140	136	136	131	131	127	127	123	119	119	111	111	111	111	106	102	89
Adj Book Value	149	149	144	144	140	140	136	133	133	128	128	123	123	119	116	116	107	107	107	107	101	98	85
Gross NPAs	4,335	4,335	4,447	4,447	4,532	4,532	4,670	4,376	4,376	4,553	4,553	4,844	4,844	4,738	4,529	4,529	4,629	4,629	4,436	4,436	4,435	4,184	4,137
Net NPAs	529	529	1,068	1,068	1,165	1,165	1,158	1,040	1,040	1,131	1,131	1,322	1,322	1,330	1,255	1,255	1,284	1,284	1,230	1,230	1,275	1,205	1,393
Slippages	2,146	474	1,672	435	1,237	579	658	1,814	483	1,331	486	845	428	417	1,692	352	1,340	479	861	365	496	1,653	1,760
Restructured Account	0	—	0	—	0	—	—	0	—	0	—	0	—	—	2,854	0	3,101	0	3,331	0	3,405	3,473	2,854
% of Gross NPAs	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	0.20%	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	0.91%	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	1.15%	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 (%)	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	578,504	578,504	553,365	553,365	533,577	533,577	528,640	518,483	518,483	496,745	496,745	499,419	499,419	486,872	461,937	461,937	438,776	438,776	425,685	425,685	405,983	387,833	326,629
Net Advances	264,594	264,594	255,569	255,569	244,657	244,657	241,204	234,835	234,835	230,370	230,370	230,312	230,312	220,807	209,403	209,403	199,185	199,185	192,817	192,817	183,487	174,447	144,928
- Net Advances Growth YoY	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	313,909	313,909	297,796	297,796	288,920	288,920	287,436	283,647	283,647	266,375	266,375	269,107	269,107	266,065	252,534	252,534	239,591	239,591	232,868	232,868	222,496	213,386	181,701
- Deposit Growth YoY	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	78,053	78,053	74,230	74,230	70,358	70,358	67,962	65,195	65,195	64,146	64,146	63,546	63,546	61,461	58,961	58,961	58,114	58,114	56,876	56,876	56,672	55,452	54,510
-- YoY growth	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	25,337	25,337	21,268	21,268	19,233	19,233	19,274	20,562	20,562	16,199	16,199	17,380	17,380	16,423	15,239	15,239	15,275	15,275	15,713	15,713	14,182	14,289	12,612
-- YoY growth	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	103,390	103,390	95,498	95,498	89,591	89,591	87,236	85,757	85,757	80,345	80,345	80,926	80,926	77,884	74,200	74,200	73,389	73,389	72,589	72,589	70,854	69,741	67,122
-- % of total Deposits	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	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	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	1.65%	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	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	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	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	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	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	16.85%	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	28.49%	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	26.02%	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	239,762	60,351	179,411	59,954	119,457	59,265	60,193	238,444	60,416	178,029	59,924	118,105	59,390	58,715	207,220	58,145	149,075	56,773	92,302	54,294	38,008	127,096	98,512
Income on Investments	58,945	13,924	45,021	14,666	30,356	15,285	15,070	53,320	14,427	38,893	13,717	25,175	12,632	12,544	44,364	11,598	32,767	12,216	20,551	11,640	8,911	31,311	26,046
Interest on bal with RBI and others	2,675	879	1,795	570	1,225	555	670	2,506	601	1,905	758	1,148	675	473	2,040	460	1,581	376	1,205	413	792	997	2,552
Others	6,140	1,455	4,684	1,561	3,123	1,586	1,537	6,247	2,016	4,231	1,608	2,622	1,321	1,302	4,716	1,270	3,445	1,218	2,227	1,351	876	2,182	643
Total Fund based income	307,522	76,610	230,912	76,751	154,161	76,691	77,470	300,517	77,460	223,057	76,007	147,050	74,017	73,033	258,341	71,473	186,868	70,583	116,285	67,698	48,587	161,586	127,753
--growth y-o-y	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	—	-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	62,533	13,199	49,334	13,254	36,080	14,350	21,730	45,632	12,028	33,604	11,454	22,151	11,483	10,668	49,241	18,166	31,075	11,137	19,938	10,708	9,230	31,215	29,510
Total Income	370,055	89,809	280,246	90,005	190,241	91,041	99,200	346,149	89,488	256,661	87,460	169,201	85,500	83,701	307,582	89,639	217,943	81,720	136,223	78,406	57,817	192,800	157,263
Total Interest Expense	178,836	43,528	135,308	44,136	91,171	45,139	46,032	177,847	45,394	132,453	45,354	87,099	43,903	43,196	149,808	42,396	107,412	42,111	65,301	40,313	24,988	74,743	55,743
--growth y-o-y	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	—	-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	128,686	33,082	95,604	32,615	62,989	31,552	31,438	122,670	32,066	90,604	30,653	59,951	30,114	29,837	108,532	29,077	79,456	28,471	50,984	27,385	23,599	86,842	72,010
--growth y-o-y	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	—	1.43%	—	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	26,050	6,228	19,822	7,203	12,619	6,461	6,158	23,901	6,116	17,785	5,950	11,834	5,985	5,849	22,240	6,936	15,304	5,352	9,952	5,170	4,782	15,512	12,032
Other Administrative Exps	46,610	12,250	34,360	11,568	22,792	11,517	11,276	44,274	11,441	32,833	11,156	21,677	10,906	10,772	41,146	11,033	30,113	10,609	19,504	10,229	9,275	32,140	25,410
Total Operating Expenses	72,660	18,478	54,183	18,771	35,412	17,978	17,434	68,175	17,557	50,618	17,106	33,512	16,891	16,621	63,386	17,969	45,417	15,961	29,456	15,399	14,057	47,652	37,442
Profit before Tax and Provisions	118,558	27,803	90,755	27,098	63,658	27,924	35,734	100,127	26,537	73,591	25,000	48,590	24,706	23,885	94,387	29,274	65,113	23,647	41,466	22,694	18,772	70,405	64,078
--growth y-o-y	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	—	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	23,390	2,610	20,780	2,838	17,942	3,501	14,442	11,649	3,193	8,456	3,154	5,303	2,700	2,602	23,492	13,512	9,980	4,217	5,764	2,904	2,860	11,920	15,062
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	95,169	25,193	69,975	24,260	45,715	24,423	21,292	88,478	23,344	65,134	21,847	43,288	22,005	21,283	70,895	15,763	55,133	19,431	35,702	19,790	15,912	58,485	49,016
Income Tax	20,497	5,972	14,525	5,606	8,919	5,782	3,137	21,131	5,728	15,403	5,111	10,292	5,184	5,108	10,083	749	0	749	10,832	3,058	7,774	3,814	3,960
effective tax rate	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	74,671	19,221	55,450	18,654	36,796	18,641	18,155	67,347	17,616	49,731	16,736	32,996	16,821	16,175	60,812	16,512	44,300	16,373	27,928	15,976	11,952	44,109	36,962
--growth y-o-y	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	—	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	1,539	1,539	1,538	1,538	1,536	1,536	767	765	765	765	765	763	763	761	760	760	759	759	758	758	559	558	555
Reserves	544,786	544,786	525,406	525,406	506,000	506,000	508,037	488,135	488,135	468,132	468,132	449,374	449,374	444,032	426,874	426,874	414,395	414,395	396,474	396,474	285,829	272,505	233,059
Capital Adequacy Ratio	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	17.30%	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)	3.35%	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	49	12	36	12	24	12	24	88	23	65	22	43	22	21	80	22	58	22	37	21	21	79	67
DPS	16	—	—	—	—	—	—	22	—	—	—	—	—	—	20	—	—	—	—	—	—	19	16
Dividend Payout	31.95%	—	—	—	—	—	—	25.00%	—	—	—	—	—	—	24.36%	—	—	—	—	—	—	24.03%	23.25%
Cost to Income Ratio	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	366	366	353	353	340	340	661	639	639	613	613	590	590	583	563	563	547	547	524	524	510	489	421
Adj Book Value	361	361	348	348	335	335	650	629	629	602	602	580	580	575	555	555	540	540	516	516	504	484	416
Gross NPAs	34,061	34,061	35,179	35,179	34,289	34,289	37,041	35,223	35,223	36,019	36,019	34,251	34,251	33,026	31,173	31,173	31,012	31,012	31,578	31,578	19,064	18,019	16,141
% of Gross NPAs	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	11,170	11,170	11,982	11,982	11,447	11,447	12,276	11,320	11,320	11,588	11,588	10,309	10,309	9,508	8,092	8,092	7,664	7,664	8,073	8,073	4,777	4,368	4,408
% of Net NPAs	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	1.94%	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 (%)	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	6,042,417	6,042,417	5,681,501	5,681,501	5,548,149	5,548,149	5,392,523	5,334,324	5,334,324	5,082,043	5,082,043	4,995,209	4,995,209	4,842,605	4,864,648	4,864,648	4,660,053	4,660,053	4,504,091	4,504,091	3,528,768	3,483,981	2,928,038
Net Advances	2,937,166	2,937,166	2,821,446	2,821,446	2,746,360	2,746,360	2,628,434	2,619,609	2,619,609	2,518,248	2,518,248	2,495,120	2,495,120	2,463,521	2,484,862	2,484,862	2,446,076	2,446,076	2,331,233	2,331,233	1,615,672	1,600,586	1,368,821
- Net Advances Growth YoY	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	3,105,250	3,105,250	2,860,055	2,860,055	2,801,789	2,801,789	2,764,089	2,714,715	2,714,715	2,563,795	2,563,795	2,500,088	2,500,088	2,379,085	2,379,786	2,379,786	2,213,977	2,213,977	2,172,858	2,172,858	1,913,096	1,883,395	1,559,217
- Deposit Growth YoY	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	705,800	705,800	661,700	661,700	652,700	652,700	639,000	630,500	630,500	605,600	605,600	608,100	608,100	596,400	598,700	598,700	579,900	579,900	569,956	569,956	560,604	562,493	511,739
Growth YoY	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	354,500	354,500	299,500	299,500	296,400	296,400	298,000	314,100	314,100	267,100	267,100	275,400	275,400	267,300	310,000	310,000	255,800	255,800	247,749	247,749	252,350	273,496	239,311
Growth YoY	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	1,060,300	1,060,300	961,200	961,200	949,100	949,100	937,000	944,600	944,600	872,700	872,700	883,500	883,500	863,700	908,700	908,700	835,700	835,700	817,705	817,705	812,954	835,989	751,050
CASA Ratio	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	888,700	888,700	870,700	870,700	856,500	856,500	842,800	835,700	835,700	817,100	817,100	802,800	802,800	788,000	774,400	774,400	743,200	743,200	717,100	717,100	187,300	—	—
Personal Loans	217,800	217,800	211,700	211,700	206,300	206,300	201,600	199,300	199,300	194,400	194,400	189,600	189,600	185,900	184,600	184,600	181,500	181,500	178,700	178,700	176,700	171,676	140,127
Auto	157,500	157,500	152,700	152,700	151,500	151,500	148,300	145,700	145,700	139,900	139,900	137,500	137,500	133,000	131,100	131,100	128,000	128,000	125,500	125,500	121,700	117,429	100,463
Payment Products	113,800	113,800	113,600	113,600	114,800	114,800	113,500	113,600	113,600	112,300	112,300	109,700	109,700	103,400	100,200	100,200	97,100	97,100	90,900	90,900	90,400	86,104	76,757
Two Wheelers	11,900	11,900	11,900	11,900	12,500	12,500	12,000	12,400	12,400	12,200	12,200	12,500	12,500	12,000	11,800	11,800	11,300	11,300	11,000	11,000	10,400	9,933	9,288
Gold Loans	23,700	23,700	21,500	21,500	20,100	20,100	18,900	17,700	17,700	16,700	16,700	15,900	15,900	14,900	13,800	13,800	13,100	13,100	12,600	12,600	11,700	10,842	8,350
Other Retail	71,100	71,100	68,800	68,800	70,300	70,300	69,100	73,600	73,600	72,500	72,500	71,700	71,700	69,800	71,300	71,300	44,600	44,600	44,500	44,500	41,200	59,754	51,479
Commercial & Rural Banking Excl Agri	810,800	810,800	771,700	771,700	741,600	741,600	708,200	539,100	539,100	511,400	511,400	488,800	488,800	471,500	459,000	459,000	680,100	680,100	633,900	633,900	581,400	488,221	420,191
Agriculture	130,400	130,400	123,800	123,800	123,400	123,400	115,300	118,400	118,400	107,600	107,600	108,100	108,100	100,100	105,300	105,300	93,000	93,000	90,500	90,500	79,600	81,719	64,545
Corporates & Other Wholesale	631,600	631,600	599,600	599,600	571,800	571,800	552,300	717,700	717,700	699,800	699,800	696,800	696,800	696,300	724,300	724,300	436,300	436,300	428,100	428,100	404,600	409,712	364,011
IBPC/BRDS	97,300	97,300	101,400	101,400	99,600	99,600	128,800	129,800	129,800	141,300	141,300	114,400	114,400	88,100	68,000	68,000	57,800	57,800	—	80,900	75,300	—	—
Total	2,960,000	2,960,000	2,844,600	2,844,600	2,769,200	2,769,200	2,653,200	2,643,400	2,643,400	2,542,600	2,542,600	2,519,000	2,519,000	2,486,800	2,507,800	2,507,800	2,469,300	2,469,300	2,354,700	2,354,700	1,629,700	1,614,230	1,380,515
Cost Ratios as % of Total Income
Interest / Discount on advances	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	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	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	2.00%	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	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	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	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	8.47%	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	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	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	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	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	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	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	24.28%	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	130,606	33,359	97,247	32,520	64,727	32,184	32,543	126,405	32,821	93,583	32,048	61,535	31,426	30,109	110,944	29,423	81,521	28,558	52,963	27,119	25,844	83,943	63,834
Income on Investments	33,593	8,203	25,389	8,217	17,172	8,460	8,713	32,980	8,210	24,770	8,302	16,468	8,311	8,157	28,631	7,782	20,849	7,211	13,638	7,020	6,618	20,888	16,409
Interest on bal with RBI and others	2,863	776	2,087	673	1,414	647	767	2,156	706	1,450	490	960	517	443	1,791	430	1,361	454	907	494	413	1,851	1,561
Others	2,885	937	1,948	556	1,391	468	924	1,723	693	1,030	460	570	282	288	1,525	313	1,212	472	740	287	453	2,549	4,571
Total Fund based income	169,946	43,275	126,671	41,966	84,705	41,758	42,947	163,264	42,431	120,833	41,300	79,533	40,537	38,996	142,891	37,948	104,943	36,695	68,248	34,920	33,328	109,231	86,375
--growth y-o-y	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	—	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	30,758	7,309	23,449	7,368	16,080	7,576	8,505	28,507	7,260	21,247	7,068	14,179	7,177	7,002	22,958	5,649	17,309	6,097	11,212	5,777	5,435	19,831	18,518
Total Income	200,704	50,584	150,119	49,334	100,785	49,333	51,452	191,770	49,691	142,080	48,368	93,712	47,714	45,998	165,849	43,597	122,252	42,792	79,460	40,697	38,763	129,063	104,892
Total Interest Expense	81,871	20,296	61,575	20,034	41,541	20,228	21,312	82,099	21,238	60,861	20,929	39,932	20,489	19,443	68,585	18,856	49,730	18,016	31,714	16,612	15,101	47,103	38,908
--growth y-o-y	-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	—	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	88,075	22,979	65,096	21,932	43,164	21,529	21,634	81,164	21,193	59,972	20,371	39,601	20,048	19,553	74,306	19,093	55,213	18,679	36,534	18,308	18,226	62,129	47,466
--growth y-o-y	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	—	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	17,975	4,468	13,507	4,422	9,085	4,342	4,743	16,541	4,105	12,436	3,929	8,507	4,136	4,371	15,142	3,720	11,422	3,813	7,609	3,725	3,884	12,060	9,673
Other administrative Exps	29,259	7,621	21,638	7,523	14,116	7,465	6,650	25,831	6,684	19,148	6,623	12,525	6,365	6,159	23,991	5,983	18,008	6,239	11,769	6,130	5,639	20,813	17,061
Total Operating Expenses	47,234	12,089	35,145	11,944	23,201	11,807	11,394	42,372	10,789	31,584	10,552	21,031	10,501	10,530	39,133	9,703	29,430	10,052	19,378	9,855	9,523	32,873	26,733
Profit Before Tax and Provisions	71,599	18,199	53,400	17,356	36,044	17,298	18,746	67,299	17,664	49,635	16,887	32,748	16,723	16,025	58,131	15,039	43,092	14,724	28,368	14,229	14,139	49,087	39,250
--growth y-o-y	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	—	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	2,885	937	1,948	556	1,391	468	924	1,723	693	1,030	460	570	282	288	1,525	313	1,212	472	740	287	453	2,549	4,571
Total Provisions	5,380	96	5,284	2,556	2,729	914	1,815	4,683	891	3,792	1,227	2,565	1,233	1,332	3,643	718	2,924	1,049	1,875	583	1,292	6,666	8,641
Profit Before tax	66,218	18,103	48,116	14,800	33,315	16,384	16,931	62,616	16,774	45,843	15,660	30,183	15,490	14,693	54,488	14,320	40,168	13,674	26,493	13,647	12,847	42,421	30,609
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Income Tax	16,072	4,401	11,671	3,483	8,188	4,025	4,163	15,389	4,144	11,245	3,867	7,378	3,744	3,634	13,600	3,613	9,987	3,403	6,584	3,386	3,198	10,525	7,269
effective tax rate	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	50,147	13,702	36,445	11,318	25,127	12,359	12,768	47,227	12,630	34,597	11,792	22,805	11,746	11,059	40,888	10,708	30,181	10,272	19,909	10,261	9,648	31,896	23,339
--growth y-o-y	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	—	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	1,432	1,432	1,430	1,430	1,429	1,429	1,427	1,425	1,425	1,412	1,412	1,409	1,409	1,407	1,405	1,405	1,403	1,403	1,401	1,401	1,400	1,397	1,390
Reserves	325,362	325,362	311,725	311,725	300,199	300,199	295,174	280,631	280,631	260,893	260,893	249,009	249,009	246,580	232,506	232,506	221,129	221,129	210,509	210,509	205,588	195,495	165,660
Capital Adequacy Ratio	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	16.35%	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 (%)	4.31%	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	70	19	51	16	35	17	18	66	18	49	17	32	17	16	58	15	43	15	28	15	14	46	34
DPS	12	—	—	—	—	—	—	11	—	—	—	—	—	—	10	—	—	—	—	—	—	8	5
Dividend Payout	17.14%	—	—	—	—	—	—	16.59%	—	—	—	—	—	—	17.18%	—	—	—	—	—	—	17.52%	14.89%
Cost to Income Ratio	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	456	456	438	438	422	422	416	396	396	372	372	355	355	352	333	333	317	317	303	303	296	282	240
Adj Book Value	451	451	432	432	416	416	410	390	390	366	366	350	350	347	328	328	312	312	298	298	290	277	233
Gross NPAs	23,052	23,052	23,758	23,758	23,850	23,850	24,733	24,166	24,166	27,745	27,745	27,121	27,121	28,719	27,962	27,962	28,775	28,775	29,837	29,837	31,822	31,184	33,920
Net NPAs	5,459	5,459	5,732	5,732	5,827	5,827	5,971	5,589	5,589	5,898	5,898	5,685	5,685	5,685	5,378	5,378	5,378	5,378	5,046	5,046	5,382	5,155	6,961
Slippages (Net)	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	3,028
% of Gross NPAs	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	0.33%	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%	0.41%
Return on Assets	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 (%)	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	3,348,518	3,348,518	3,125,764	3,125,764	3,021,281	3,021,281	2,972,674	2,952,114	2,952,114	2,834,675	2,834,675	2,775,001	2,775,001	2,649,304	2,597,231	2,597,231	2,486,086	2,486,086	2,405,284	2,405,284	2,296,319	2,200,479	1,923,592
Net Advances	1,553,893	1,553,893	1,466,154	1,466,154	1,408,456	1,408,456	1,364,157	1,341,766	1,341,766	1,314,366	1,314,366	1,277,240	1,277,240	1,223,154	1,184,406	1,184,406	1,153,771	1,153,771	1,110,542	1,110,542	1,057,583	1,019,638	859,020
- Net Advances Growth YoY	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	0	—	0	—	0	522,592	522,592	522,592	—	494,868	—	0	522,592	0	0	—	522,592	—	522,592	494,868	0	0	0
-- % of total Advances	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	1,794,625	1,794,625	1,659,611	1,659,611	1,612,825	1,612,825	1,608,517	1,610,348	1,610,348	1,520,309	1,520,309	1,497,761	1,497,761	1,426,149	1,412,825	1,412,825	1,332,315	1,332,315	1,294,742	1,294,742	1,238,737	1,180,841	1,064,572
- Deposit Growth YoY	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	475,606	475,606	449,603	449,603	452,124	452,124	445,842	440,772	440,772	425,148	425,148	425,633	425,633	407,643	402,300	402,300	374,584	374,584	372,326	372,326	375,193	379,776	359,957
-- saving deposit growth	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	267,981	267,981	217,987	217,987	206,747	206,747	216,971	232,957	232,957	190,438	190,438	183,090	183,090	176,028	193,572	193,572	153,411	153,411	155,304	155,304	161,033	161,486	158,480
-- current deposit growth	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	743,587	743,587	667,590	667,590	658,871	658,871	662,813	673,729	673,729	615,586	615,586	608,723	608,723	583,671	595,872	595,872	527,995	527,995	527,630	527,630	536,226	541,262	518,437
-- % of total Deposits	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	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	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	1.68%	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	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	18.10%	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	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	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	10.58%	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	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	27.79%	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	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	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	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%	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	19,403	5,040	14,364	4,813	9,551	4,780	4,771	19,226	4,720	14,506	4,824	9,682	5,258	4,424	17,971	4,762	13,209	4,328	8,881	4,019	4,862	13,337	12,100
Income on Investments	8,191	2,139	6,051	1,957	4,094	2,062	2,032	8,255	2,075	6,180	2,062	4,117	2,023	2,094	7,738	2,068	5,670	2,005	3,665	1,872	1,792	5,949	4,629
Interest on bal with RBI and others	965	281	684	262	422	233	188	415	133	282	80	202	121	81	340	85	258	45	213	77	137	518	602
Others	439	339	100	41	59	29	30	1,005	50	955	849	107	40	66	378	75	299	163	136	67	69	766	964
Total Fund based income	28,997	7,798	21,199	7,074	14,125	7,104	7,021	28,902	6,979	21,923	7,816	14,108	7,442	6,666	26,426	6,990	19,436	6,541	12,895	6,035	6,860	20,570	18,295
--growth y-o-y	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	—	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	6,746	1,611	5,135	1,209	3,926	2,489	1,437	4,924	2,057	2,867	749	2,118	1,313	805	3,611	896	2,715	973	1,741	889	852	4,372	4,477
Total Income	35,744	9,409	26,334	8,282	18,052	9,594	8,458	33,826	9,035	24,791	8,565	16,226	8,755	7,471	30,037	7,887	22,150	7,514	14,636	6,924	7,712	24,942	22,773
Total Interest Expense	15,486	3,947	11,539	3,864	7,674	3,819	3,855	14,276	3,689	10,587	3,587	7,000	3,566	3,433	12,240	3,303	8,937	3,106	5,831	2,968	2,862	9,139	9,133
--growth y-o-y	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	—	2.15%	—	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	13,512	3,851	9,660	3,209	6,451	3,285	3,166	14,626	3,290	11,337	4,228	7,108	3,875	3,233	14,186	3,688	10,499	3,434	7,064	3,066	3,998	11,431	9,162
--growth y-o-y	-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	—	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	4,358	1,079	3,280	1,187	2,093	1,001	1,092	4,071	985	3,086	1,038	2,049	1,096	952	4,254	1,306	2,949	1,093	1,856	907	949	3,533	3,107
Other administrative Exps	5,062	1,340	3,722	1,314	2,407	1,250	1,157	4,401	1,167	3,234	1,138	2,096	1,086	1,010	3,951	1,103	2,848	989	1,859	977	882	3,534	3,267
Total Operating Expenses	9,420	2,419	7,001	2,501	4,500	2,252	2,249	8,472	2,152	6,320	2,176	4,144	2,182	1,963	8,205	2,409	5,796	2,081	3,715	1,884	1,831	7,067	6,374
Profit before Tax and Provisions	10,838	3,043	7,794	1,917	5,877	3,523	2,354	11,079	3,195	7,884	2,802	5,082	3,006	2,076	9,592	2,175	7,417	2,327	5,090	2,072	3,019	8,736	7,266
--growth y-o-y	-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	—	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	2,716	1,148	1,568	603	964	579	385	4,368	2,759	1,608	4	1,604	165	1,439	670	693	2,716	446	1,148	113	1,567	5,190	588
Others	439	339	100	41	59	74	29	30	1,005	50	955	849	107	40	66	378	75	299	163	114	136	67	69
Total Provisions	1,088	1,088	1,374	542	832	653	180	1,088	1,374	542	832	653	179	444	285	1,374	542	832	653	228	179	443	510
Profit Before tax	11,926	2,758	9,168	2,459	6,709	4,175	2,534	10,568	2,962	7,606	2,636	4,970	2,451	2,519	8,195	2,061	6,134	2,007	4,127	2,299	1,828	5,238	3,609
Income Tax	2,413	815	1,598	523	1,074	548	526	3,053	911	2,142	728	1,414	615	800	2,561	433	2,128	549	1,580	976	604	1,593	1,169
effective tax rate	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	9,513	1,943	7,570	1,935	5,635	3,627	2,007	7,515	2,051	5,464	1,908	3,556	1,836	1,719	5,634	1,628	4,006	1,458	2,547	1,323	1,224	3,645	2,439
--growth y-o-y	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	—	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	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752	10,752
Reserves	48,869	48,869	46,557	46,557	44,622	44,622	40,994	38,987	38,987	36,660	36,660	34,752	34,752	32,915	31,196	31,196	30,371	30,371	28,913	28,913	27,589	26,365	22,442
Govt Holding	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	26.65%	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	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 (%)	3.77%	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	9	2	7	2	5	3	2	7	2	5	2	3	2	2	5	2	4	1	2	1	1	3	2
DPS	19	—	—	—	—	—	—	2	—	—	—	—	—	—	2	—	—	—	—	—	—	1	0
Dividend Payout	209.66%	—	—	—	—	—	—	30.05%	—	—	—	—	—	—	28.63%	—	—	—	—	—	—	29.50%	0.00%
Cost to Income Ratio	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	55	55	53	53	52	52	48	46	46	44	44	42	42	41	39	39	38	38	37	37	36	35	31
Adj Book Value	55	55	53	53	51	51	48	46	46	44	44	42	42	40	39	39	38	38	36	36	35	34	30
Gross NPAs	6,028	6,028	6,281	6,281	6,242	6,242	6,385	6,695	6,695	7,635	7,635	7,653	7,653	7,795	8,917	8,917	8,589	8,589	8,645	8,645	8,763	10,969	34,115
Net NPAs	380	380	425	425	474	474	447	337	337	365	365	402	402	454	644	644	593	593	651	651	731	1,495	1,864
% of Gross NPAs	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	0.15%	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	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 (%)	93.70%	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	600,789	600,789	546,643	546,643	533,730	533,730	508,775	528,693	528,693	489,245	489,245	478,547	478,547	471,574	466,278	466,278	433,526	433,526	417,983	417,983	410,374	418,067	370,090
Net Advances	253,626	253,626	238,786	238,786	230,220	230,220	211,907	218,399	218,399	206,807	206,807	200,944	200,944	194,026	188,621	188,621	175,001	175,001	168,502	168,502	165,403	162,568	136,955
- Net Advances Growth YoY	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	347,163	347,163	307,858	307,858	303,510	303,510	296,868	310,294	310,294	282,439	282,439	277,602	277,602	277,548	277,657	277,657	258,525	258,525	249,481	249,481	244,971	255,499	233,134
- Deposit Growth YoY	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	91,059	91,059	86,441	86,441	85,151	85,151	82,805	82,372	82,372	83,080	83,080	78,709	78,709	89,962	91,013	91,013	85,780	85,780	84,093	84,093	83,987	86,499	86,804
--Current deposits	63,757	63,757	49,191	49,191	53,885	53,885	49,748	62,108	62,108	47,819	47,819	54,930	54,930	44,848	49,014	49,014	43,182	43,182	44,371	44,371	44,882	48,956	45,555
CASA	154,816	154,816	135,632	135,632	139,036	139,036	132,553	144,480	144,480	130,899	130,899	133,639	133,639	134,810	140,027	140,027	128,962	128,962	128,464	128,464	128,869	135,455	132,359
-- % of total Deposits	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	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	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	3.33%	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	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	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	53.40%	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	46.60%	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	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	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	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	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	34,199	8,967	25,232	8,776	16,456	8,320	8,136	30,835	7,971	22,863	7,915	14,948	7,581	7,367	25,916	6,999	18,916	6,747	12,169	6,325	5,844	19,159	14,174
Income on Investments	5,950	1,512	4,438	1,526	2,911	1,479	1,432	5,317	1,394	3,923	1,314	2,609	1,282	1,328	4,118	1,173	2,945	1,035	1,909	968	942	3,232	2,615
Interest on bal with RBI and others	131	38	93	34	59	34	25	115	28	86	29	57	33	24	94	22	71	21	50	21	29	148	241
Others	270	36	234	81	153	104	49	235	19	216	85	131	61	70	195	24	171	76	95	43	53	188	142
Total Fund based income	40,549	10,553	29,996	10,417	19,579	9,937	9,642	36,501	9,413	27,089	9,343	17,746	8,957	8,789	30,322	8,219	22,103	7,879	14,224	7,356	6,868	22,728	17,173
--growth y-o-y	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	—	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	7,873	1,630	6,243	2,125	4,118	1,891	2,227	7,022	1,895	5,126	1,780	3,346	1,727	1,619	6,002	1,642	4,360	1,517	2,843	1,430	1,414	4,467	3,228
Total Income	48,422	12,183	36,239	12,542	23,697	11,828	11,869	43,523	11,308	32,215	11,123	21,092	10,684	10,408	36,324	9,861	26,463	9,396	17,067	8,786	8,282	27,195	20,401
Total Interest Expense	19,334	4,876	14,458	4,925	9,533	4,824	4,709	17,210	4,506	12,704	4,441	8,263	4,169	4,094	13,872	3,750	10,121	3,593	6,529	3,406	3,123	10,092	7,467
--growth y-o-y	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	—	-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	21,215	5,677	15,538	5,492	10,046	5,113	4,933	19,292	4,907	14,385	4,902	9,483	4,788	4,695	16,451	4,469	11,982	4,287	7,695	3,950	3,745	12,635	9,706
--growth y-o-y	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	—	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	6,182	1,594	4,588	1,602	2,986	1,490	1,496	5,710	1,528	4,182	1,420	2,761	1,424	1,337	4,893	1,328	3,565	1,222	2,343	1,190	1,153	3,742	2,697
Rents taxes & lightning	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0
Professional fees	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0
Depereciation on banks property	0	—	0	—	—	—	—	0	—	0	—	—	—	—	0	—	0	—	—	—	—	0	0
Other administrative Exps	15,695	4,654	11,041	3,982	7,059	3,634	3,425	13,189	3,463	9,726	3,503	6,223	3,129	3,094	11,323	3,119	8,204	3,019	5,185	2,679	2,506	8,428	6,948
Total Operating Expenses	21,877	6,249	15,629	5,584	10,044	5,124	4,921	18,899	4,991	13,908	4,923	8,985	4,553	4,432	16,216	4,447	11,769	4,241	7,528	3,870	3,659	12,170	9,644
Profit before Tax and Provisions	7,211	1,059	6,153	2,033	4,119	1,880	2,239	7,415	1,812	5,603	1,759	3,844	1,962	1,882	6,237	1,664	4,573	1,562	3,011	1,510	1,500	4,932	3,290
--growth y-o-y	-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	—	-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	0	0	0	0	—	—	0	0	0	0	0	—	—	0	0	0	0	0	—	—	0	0
Others	270	36	234	81	153	104	49	235	19	216	85	131	61	70	195	24	171	76	95	43	53	188	142
Total Provisions	5,379	869	4,509	1,398	3,111	1,452	1,659	5,515	1,450	4,064	1,338	2,726	1,732	994	2,382	722	1,659	655	1,005	528	476	1,665	3,115
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before tax	1,833	189	1,644	635	1,008	428	580	1,900	361	1,539	421	1,118	230	888	3,855	942	2,914	908	2,006	982	1,024	3,267	175
Income Tax	196	130	0	130	326	132	194	76	118	375	57	318	82	237	29	207	899	217	682	192	490	231	259
effective tax rate	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	1,636	319	1,317	503	815	352	463	1,525	304	1,221	339	881	201	681	2,957	724	2,232	716	1,516	751	765	2,437	145
--growth y-o-y	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	—	-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	8,602	8,602	8,596	8,596	7,339	7,339	7,334	7,322	7,322	7,320	7,320	7,483	7,483	7,081	7,070	7,070	7,067	7,067	6,722	6,722	6,628	6,618	6,218
Reserves	38,462	38,462	31,583	31,583	28,413	28,413	31,070	30,607	30,607	31,277	31,277	28,270	28,270	25,713	25,032	25,032	23,966	23,966	20,582	20,582	19,831	19,066	14,770
Capital Adequacy Ratio	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	2	0	2	1	1	0	1	2	0	2	0	1	0	1	4	1	3	1	2	1	1	4	0
DPS	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Dividend Payout	13.14%	—	—	—	—	—	—	12.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	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	55	47	47	49	49	52	52	52	53	53	48	48	46	45	45	44	44	41	41	40	39	34
Adj Book Value	54	54	46	46	47	47	51	51	51	52	52	47	47	45	44	44	43	43	39	39	39	37	32
Gross NPAs	4,559	4,559	4,614	4,614	4,841	4,841	4,867	4,434	4,434	4,399	4,399	4,195	4,195	3,904	3,718	3,718	3,775	3,775	3,748	3,748	3,603	3,884	4,469
Net NPAs	1,346	1,346	1,427	1,427	1,345	1,345	1,346	1,230	1,230	1,162	1,162	1,038	1,038	1,195	1,160	1,160	1,250	1,250	1,192	1,192	1,149	1,304	1,808
% of Gross NPAs	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	0.48%	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	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 (%)	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	574,865	574,865	561,121	561,121	533,872	533,872	508,650	485,178	485,178	459,982	459,982	438,668	438,668	412,234	395,169	395,169	364,818	364,818	339,540	339,540	315,848	296,432	223,492
Net Advances	280,391	280,391	269,988	269,988	257,101	257,101	243,679	233,113	233,113	223,104	223,104	215,061	215,061	202,568	194,592	194,592	182,269	182,269	174,814	174,814	167,374	151,795	117,858
- Net Advances Growth YoY	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	294,475	294,475	291,133	291,133	276,771	276,771	264,971	252,065	252,065	236,878	236,878	223,607	223,607	209,666	200,576	200,576	182,549	182,549	164,726	164,726	148,474	144,637	105,634
- Deposit Growth YoY	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	146,650	146,650	150,350	150,350	138,583	138,583	127,158	118,237	118,237	113,078	113,078	109,292	109,292	97,692	94,768	94,768	85,492	85,492	79,468	79,468	71,765	71,983	51,170
-- % of total Deposits	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	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	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	0.32%	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	0.66%	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	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	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	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	15.25%	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	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	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	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	36,380	8,604	27,776	8,932	18,844	9,194	9,651	39,591	8,340	31,251	10,493	20,758	10,406	10,352	38,119	10,209	27,910	9,694	18,216	9,379	8,837	29,945	25,143
Income on Investments	7,910	2,033	5,878	2,029	3,849	1,955	1,894	7,663	1,998	5,665	2,006	3,659	1,857	1,802	6,202	1,653	4,549	1,589	2,960	1,560	1,400	4,692	4,053
Interest on bal with RBI and others	1,365	224	1,141	178	963	390	572	1,207	242	964	248	716	372	344	1,157	288	869	236	633	254	378	1,442	1,288
Others	595	144	451	234	217	70	147	207	54	153	53	100	52	48	270	48	221	53	169	55	114	289	338
Total Fund based income	46,251	11,005	35,245	11,373	23,873	11,609	12,264	48,668	10,634	38,034	12,801	25,233	12,686	12,547	45,748	12,199	33,550	11,572	21,977	11,248	10,730	36,368	30,822
--growth y-o-y	-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	—	-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	7,217	1,706	5,511	1,707	3,804	1,648	2,156	7,684	709	6,975	2,350	4,625	2,184	2,441	9,388	2,500	6,887	2,396	4,492	2,282	2,210	8,166	7,344
Total Income	53,468	12,712	40,756	13,079	27,677	13,257	14,420	56,352	11,343	45,009	15,151	29,858	14,870	14,988	55,136	14,699	40,437	13,968	26,469	13,530	12,939	44,534	38,166
Total Interest Expense	28,268	6,634	21,635	6,811	14,823	7,199	7,624	29,636	7,586	22,051	7,573	14,478	7,339	7,139	25,132	6,822	18,310	6,277	12,034	6,171	5,863	18,776	15,822
--growth y-o-y	-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	—	-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	17,982	4,371	13,611	4,562	9,049	4,409	4,640	19,031	3,048	15,983	5,228	10,755	5,347	5,408	20,616	5,376	15,239	5,296	9,944	5,077	4,867	17,592	15,001
--growth y-o-y	-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	—	-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	5,392	1,311	4,081	1,518	2,563	1,267	1,296	4,301	1,100	3,202	1,070	2,132	1,093	1,040	3,895	1,049	2,846	1,027	1,819	957	863	3,031	3,474
Other administrative Exps	10,605	2,552	8,054	2,444	5,610	2,762	2,848	11,769	3,130	8,639	2,910	5,729	2,847	2,883	10,368	2,801	7,568	2,663	4,905	2,521	2,384	8,381	5,837
Total Operating Expenses	15,997	3,863	12,135	3,961	8,173	4,029	4,144	16,071	4,230	11,841	3,979	7,862	3,939	3,922	14,263	3,850	10,414	3,689	6,724	3,478	3,247	11,412	9,311
Profit Before Tax and Provisions	9,202	2,215	6,987	2,307	4,680	2,028	2,652	10,645	472	473	473	11,117	3,599	7,518	3,592	3,927	15,740	4,027	11,713	4,002	7,711	3,881	3,830
--growth y-o-y	-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	—	-3.97%	—	13.75%	—	-23.53%	—	—	—	—	0.20%	—	-8.53%	-2.49%	—	0.62%	—	3.13%	—	1.33%	2.06%	—	—
Provisions and contingencies
Others	595	144	451	234	217	70	147	207	54	153	53	100	52	48	270	48	221	53	169	55	114	289	338
Total Provisions	7,933	1,484	6,449	2,089	4,360	2,622	1,738	7,030	2,417	4,614	1,744	2,870	1,820	1,050	3,799	899	2,900	934	1,965	974	992	4,487	6,602
Profit Before tax	1,269	731	538	218	320	594	594	594	2,889	914	2,889	3,615	2,889	6,504	1,855	4,649	1,772	2,877	11,942	3,128	8,814	3,068	5,746
Income Tax	336	198	138	57	81	150	0	150	653	230	0	972	653	1,625	454	1,171	446	725	2,992	781	2,211	770	1,440
effective tax rate	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	933	533	401	161	239	445	445	445	2,236	684	2,236	2,643	2,236	4,879	1,401	3,478	1,325	2,152	8,950	2,347	6,603	2,298	4,305
--growth y-o-y	-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	—	230.55%	—	—	—	—	—	—	—	—	5.72%	—	-38.41%	-8.30%	—	2.13%	—	5.33%	—	2.72%	4.07%	—	—
Capital & Key Ratios
Equity Share Capital	779	779	779	779	779	779	779	779	779	779	779	779	779	779	778	778	778	778	777	777	776	776	775
Reserves	64,390	64,390	63,824	63,824	63,663	63,663	64,108	63,424	63,424	66,602	66,602	65,201	65,201	63,875	61,723	61,723	60,147	60,147	57,849	57,849	55,668	53,544	46,615
Capital Adequacy Ratio	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	16.20%	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 (%)	3.42%	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	7	5	2	3	6	6	6	29	9	29	34	29	63	18	45	17	28	115	30	85	30	55
DPS	2	—	—	—	—	—	—	0	—	—	—	—	—	—	16	—	—	—	—	—	—	14	8
Dividend Payout	12.52%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	14.35%	—	—	—	—	—	—	14.70%	13.71%
Cost to Income Ratio	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	836	836	829	829	827	827	833	824	824	865	865	847	847	830	803	803	783	783	754	754	727	700	612
Adj Book Value	808	808	800	800	797	797	799	795	795	842	842	826	826	811	785	785	766	766	738	738	712	685	598
Gross NPAs	11,095	11,095	11,605	11,605	12,058	12,058	12,481	11,046	11,046	8,375	8,375	7,639	7,639	7,127	6,693	6,693	6,377	6,377	6,164	6,164	5,941	5,826	5,517
Net NPAs	3,169	3,169	3,304	3,304	3,399	3,399	3,722	3,287	3,287	2,496	2,496	2,282	2,282	2,095	1,969	1,969	1,875	1,875	1,814	1,814	1,747	1,715	1,530
Slippages	9,489	1,825	7,664	2,560	5,104	2,537	2,567	10,548	5,014	5,534	2,200	3,334	1,798	1,536	6,034	1,428	4,606	1,765	2,841	1,465	1,376	6,892	10,106
% of Gross NPAs	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	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	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	8,213	8,213	3,969	3,969	1,760	1,760	2,202	8,970	8,970	4,586	4,586	1,929	1,929	2,296	8,926	8,926	4,088	4,088	1,703	1,703	1,989	7,538	6,215
Return on Assets	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 (%)	71.44%	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	716,045	716,045	711,351	711,351	715,668	715,668	730,838	756,097	756,097	776,327	776,327	769,838	769,838	746,411	728,091	728,091	695,850	695,850	675,241	675,241	648,364	626,044	532,733
Net Advances	315,871	315,871	317,536	317,536	325,881	325,881	333,694	345,019	345,019	366,889	366,889	357,159	357,159	347,898	343,298	343,298	327,057	327,057	315,454	315,454	301,317	289,924	239,052
- Net Advances Growth YoY	-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	400,174	400,174	393,815	393,815	389,787	389,787	397,144	411,078	411,078	409,438	409,438	412,679	412,679	398,513	384,793	384,793	368,793	368,793	359,786	359,786	347,047	336,120	293,681
- Deposit Growth YoY	-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	89,899	89,899	87,688	87,688	87,854	87,854	91,113	94,025	94,025	96,946	96,946	95,338	95,338	97,659	98,676	98,676	91,880	91,880	91,527	91,527	89,097	84,128	88,826
--Current deposits	35,034	35,034	31,416	31,416	31,916	31,916	33,892	40,764	40,764	45,872	45,872	52,606	52,606	48,475	46,989	46,989	50,044	50,044	49,910	49,910	49,343	50,600	36,507
CASA	124,933	124,933	119,104	119,104	119,770	119,770	125,005	134,789	134,789	142,818	142,818	147,944	147,944	146,134	145,665	145,665	141,924	141,924	141,437	141,437	138,440	134,728	125,333
-- % of total Deposits	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	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	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	2.95%	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	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	15.60%	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	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	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	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	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	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	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	9,708	—	2,452	7,256	2,435	4,821	2,391	2,430	9,423	2,384	7,039	2,398	4,640	2,358	2,283	8,609	2,237	6,372	2,229	4,143	2,135	2,008	6,998
Income on Investments	2,922	—	685	2,236	746	1,490	767	723	2,669	714	1,955	695	1,260	649	610	2,265	572	1,694	565	1,129	559	570	2,071
Interest on bal with RBI and others	53	—	9	44	9	35	24	11	50	17	33	10	23	19	4	37	6	31	9	21	2	19	95
Others	462	126	337	124	213	109	104	394	97	297	102	195	98	97	301	95	206	78	128	69	60	192	1
Total Fund based income	13,145	3,272	9,873	3,313	6,560	3,292	3,268	12,536	3,212	9,324	3,206	6,118	3,124	2,994	11,212	2,910	8,302	2,881	5,421	2,764	2,657	9,355	8,013
--growth y-o-y	-21.24%	—	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	—	—	—	0.66%	—	0.72%	1.75%	—	0.18%	—	2.64%	—	4.31%	2.89%	—	1.01%	—	4.23%	—	4.03%	5.77%	—	—
Other Income	944	—	259	685	279	405	155	250	1,137	404	732	242	490	296	194	825	225	601	182	419	190	228	757
Total Income	14,089	3,531	10,558	3,593	6,965	3,447	3,518	13,673	3,616	10,057	3,448	6,608	3,420	3,188	12,038	3,135	8,903	3,063	5,840	2,954	2,885	10,112	8,757
Total Interest Expense	7,269	—	1,784	5,485	1,825	3,661	1,858	1,803	6,742	1,732	5,010	1,697	3,313	1,688	1,625	6,009	1,604	4,405	1,601	2,804	1,430	1,374	4,610
--growth y-o-y	-18.64%	—	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	—	—	—	-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	5,876	1,488	4,388	1,489	2,899	1,434	1,465	5,794	1,480	4,314	1,509	2,805	1,436	1,369	5,204	1,306	3,898	1,280	2,617	1,334	1,283	4,745	3,911
--growth y-o-y	-24.26%	—	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	—	—	—	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	2,472	—	509	1,963	657	1,307	646	661	2,780	732	2,049	701	1,347	658	690	2,572	484	2,088	635	1,453	722	731	2,704
Other administrative Exps	1,361	—	327	1,034	332	702	320	382	1,220	353	868	302	566	287	279	1,181	383	798	278	520	268	252	940
Total Operating Expenses	3,833	836	2,997	988	2,009	966	1,043	4,001	1,084	2,917	1,003	1,914	945	969	3,752	867	2,885	912	1,973	990	984	3,644	3,323
Profit before Tax and Provisions	2,986	911	2,076	780	1,295	623	673	2,930	800	2,130	748	1,382	787	595	2,277	664	1,613	551	1,063	534	528	1,858	1,332
--growth y-o-y	-29.15%	—	-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	—	—	—	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	40	—	40	78	6	46	40	78	40	28	78	51	28	24	74	47	26	75	38	6	4	12	34
Others	462	126	337	124	34	15	19	33	67	213	32	109	104	394	34	118	97	297	102	-3	195	98	97
Total Provisions	22	—	22	26	29	11	50	4	9	22	10	26	22	18	108	165	11	9	26	10	4	9	4
Exceptional items	0	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before tax	2,958	861	2,097	806	1,291	634	658	2,933	809	2,124	758	1,367	754	612	2,385	829	1,556	560	996	544	451	1,784	743
Income Tax	594	—	63	532	219	312	139	173	851	225	627	226	400	204	197	617	190	427	139	288	163	125	587
effective tax rate	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	2,363	798	1,566	587	979	494	485	2,082	585	1,498	531	966	551	415	1,767	639	1,129	421	708	381	326	1,197	502
--growth y-o-y	-24.81%	—	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	—	—	—	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	—	110	110	110	110	110	110	110	110	110	110	110	110	110	110	110	110	110	103	103	103	103
Reserves	—	15,119	15,119	15,208	15,208	13,882	13,882	13,388	12,903	12,903	13,094	13,094	11,823	11,823	11,272	10,857	10,857	10,427	10,427	9,266	9,266	8,885	8,559
Govt of J&K (%)	59	—	59	59	59	59	59	59	59	59	59	59	59	59	59	59	59	59	59	63	63	63	63
Capital Adequacy Ratio	0.00%	—	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	—	—	21	7	14	5	9	4	4	19	5	14	5	9	5	4	16	6	10	4	7	4	3
DPS	—	—	—	—	—	—	—	0	—	—	—	—	—	—	2	—	—	—	—	—	—	0	0
Dividend Payout	0.00%	—	—	—	—	—	—	11.37%	—	—	—	—	—	—	13.40%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	59.08%	—	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	—	—	138	138	139	139	127	127	123	118	118	120	120	108	108	103	100	100	96	96	91	91	87
Adj Book Value	—	—	133	133	134	134	122	122	117	113	113	114	114	103	103	99	95	95	91	91	85	85	79
Restructured Account	0	—	—	—	0	—	—	0	—	—	—	0	—	—	0	—	—	—	0	—	—	0	0
Gross NPAs	3,125	—	3,125	3,487	3,487	3,585	3,585	3,638	3,605	3,605	4,041	4,041	3,916	3,916	3,858	3,956	3,956	4,528	4,528	4,827	4,827	5,104	5,204
Net NPAs	785	—	785	776	776	796	796	829	818	818	898	898	813	813	728	736	736	741	741	917	917	1,177	1,334
% of Gross NPAs	0.00%	—	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	0.00%	—	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	—	—	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 (%)	—	—	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	287,995	287,995	269,399	269,399	257,183	257,183	249,772	252,768	252,768	236,938	236,938	234,057	234,057	228,023	227,937	227,937	218,295	218,295	214,408	214,408	205,773	204,323	185,111
Net Advances	122,641	—	122,641	113,537	113,537	105,153	105,153	101,230	104,199	104,199	95,990	95,990	96,139	96,139	95,450	93,163	93,163	89,752	89,752	87,818	87,818	84,476	82,285
- Net Advances Growth YoY	—	—	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	165,354	—	165,354	155,861	155,861	152,030	152,030	148,542	148,569	148,569	140,947	140,947	137,918	137,918	132,573	134,775	134,775	128,542	128,542	126,590	126,590	121,297	122,038
- Deposit Growth YoY	—	—	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	58,086	—	58,086	53,859	53,859	55,126	55,126	53,287	53,604	53,604	53,511	53,511	53,406	53,406	52,325	53,249	53,249	51,585	51,585	51,198	51,198	51,622	52,025
--Current deposits	17,392	—	17,392	14,877	14,877	14,648	14,648	14,614	16,240	16,240	14,377	14,377	13,629	13,629	13,656	14,824	14,824	13,450	13,450	12,871	12,871	13,024	13,993
CASA	75,478	75,478	68,736	68,736	69,774	69,774	67,901	69,843	69,843	67,887	67,887	67,035	67,035	65,981	68,073	68,073	65,035	65,035	64,069	64,069	64,645	66,018	64,875
-- % of total Deposits	—	—	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	73.49%	—	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	22.65%	—	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	0.45%	—	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	3.41%	—	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	6.93%	—	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	55.56%	—	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	44.44%	—	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	19.88%	—	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	10.47%	—	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	30.36%	—	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	21.02%	—	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	0.19%	—	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	21.24%	—	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	5.38%	—	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	15.86%	—	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

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Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	6,681.05	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	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	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	548	138	409	166	243	110	133	497	109	388	118	270	95	175	255	84	172	68	104	52	52	211	142
Total Fund based income	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	-1.1%	-0.1%	-1.4%	-1.0%	-1.6%	-2.5%	-0.7%	+8.6%	+2.6%	+10.8%	+6.2%	+13.2%	+10.2%	+16.3%	+14.9%	+11.7%	+16.1%	+14.1%	+17.2%	+14.4%	+20.2%	+16.0%	-0.2%
--growth q-o-q	—	+1.7%	—	+1.9%	—	-3.6%	+0.1%	—	+0.7%	—	+0.4%	—	-1.9%	+3.5%	—	+4.2%	—	+4.2%	—	+3.5%	-0.5%	—	—
Other Income	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	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	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	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	+1.7%	-4.3%	+3.8%	-1.5%	+6.5%	+3.6%	+9.5%	+14.1%	+8.1%	+16.3%	+12.9%	+18.2%	+16.3%	+20.2%	+23.9%	+23.2%	+24.2%	+26.5%	+23.0%	+24.4%	+21.5%	+8.2%	-7.9%
--growth q-o-q	—	-1.0%	—	-1.6%	—	-3.6%	+1.9%	—	+1.9%	—	+3.5%	—	+1.9%	+0.6%	—	+6.3%	—	+6.7%	—	+5.3%	+3.1%	—	—
Net Interest Income	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	-5.8%	+8.0%	-10.0%	-0.1%	-14.6%	-12.6%	-16.4%	+0.4%	-6.4%	+2.6%	-4.2%	+6.1%	+1.4%	+10.9%	+3.6%	-3.0%	+6.0%	-0.9%	+9.9%	+2.5%	+18.5%	+27.9%	+14.1%
--growth q-o-q	—	+6.4%	—	+8.8%	—	-3.6%	-3.2%	—	-1.5%	—	-4.9%	—	-7.7%	+8.3%	—	+0.8%	—	+0.6%	—	+0.9%	-5.3%	—	—
Operating Expenses
Employee Cost	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	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	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	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
--growth y-o-y	+8.1%	+64.0%	-6.4%	+4.3%	-11.0%	-4.4%	-16.3%	-15.5%	-25.0%	-12.7%	-19.8%	-9.3%	-11.8%	-7.1%	-2.0%	-27.1%	+9.3%	+1.6%	+13.4%	-9.6%	+45.6%	+35.1%	-18.3%
--growth q-o-q	—	+36.1%	—	+2.7%	—	-5.8%	+24.6%	—	-13.4%	—	-5.9%	—	-17.6%	+11.8%	—	-7.5%	—	+3.5%	—	-13.1%	-12.3%	—	—
Provisions and contingencies
Others	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	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	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	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	256.45	40.82	215.63	64.71	150.92	72.02	78.90	260.80	185.95
Net Profit	1,310.50	408.19	902.31	290.79	611.52	319.12	292.40	1,272.37	252.37	1,020	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	0.03	0.62	-0.12	0.03	-0.17	-0.05	-0.27	-0.03	-0.08	-0.01	-0.14	0.05	0.02	0.08	0.11	-0.22	0.25	0.10	0.33	-0.20	2.25	1.32	0.05
--Net Profit growth q-o-q	—	0.40	—	-0.09	—	0.09	0.16	—	-0.11	—	-0.16	—	-0.16	0.46	—	-0.17	—	0	—	-0.11	0.05	—	—
Equity Share Capital	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	12,265.85	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	0.20	0.20	0.20	0.20	0.21	0.21	0.20	0.20	0.20	0.18	0.18	0.18	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	0.17	0.17	0.16
CET 1	0.19	0.19	0.18	0.18	0.19	0.19	0.19	0.18	0.18	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.14	0.14	0.13	0.13	0.14	0.14	0.13
Net Interest Margin (%)	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.03	0.04	0.03	0.04	0.04	0.04	0.04	0.03
Earning per share	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	—	—	—	—	—	—	5	—	—	—	—	—	—	5.50	—	—	—	—	—	—	5	4
Dividend Payout	14.43%	—	—	—	—	—	—	14.85%	—	—	—	—	—	—	15.88%	—	—	—	—	—	—	13.23%	24.47%
NII/Core Interest Income	0.35	0.37	0.34	0.36	0.33	0.33	0.33	0.37	0.35	0.37	0.35	0.38	0.37	0.40	0.40	0.38	0.40	0.39	0.41	0.41	0.42	0.44	0.40
Cost to Income Ratio	0.56	0.50	0.59	0.59	0.58	0.59	0.58	0.60	0.69	0.57	0.60	0.55	0.58	0.53	0.53	0.60	0.51	0.53	0.49	0.51	0.47	0.47	0.53
Other Income/Opex	0.55	0.64	0.52	0.47	0.55	0.54	0.55	0.46	0.51	0.44	0.45	0.43	0.42	0.45	0.54	0.56	0.53	0.53	0.53	0.45	0.60	0.50	0.53
Provisioning/Pbtp	0.16	0.15	0.17	0.21	0.14	0.05	0.24	0.10	0.08	0.11	0.19	0.07	0.07	0.07	0.28	0.37	0.25	0.27	0.24	0.23	0.25	0.35	0.57
OPM@	0.06	0.10	0.05	0.07	0.05	0.04	0.05	0.06	-0.02	0.09	0.06	0.10	0.09	0.12	0.10	0.04	0.13	0.10	0.14	0.13	0.14	0.17	0.11
PBT/NII	0.53	0.62	0.50	0.45	0.52	0.58	0.47	0.50	0.44	0.51	0.44	0.55	0.51	0.57	0.47	0.38	0.51	0.48	0.52	0.49	0.55	0.45	0.28
Other Income/Total Income	0.14	0.15	0.13	0.12	0.14	0.14	0.14	0.12	0.16	0.11	0.12	0.11	0.11	0.11	0.14	0.16	0.13	0.13	0.13	0.11	0.14	0.12	0.13
Book value per share	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	275	268.62	268.62	258.41	246.61	213.25
Adj Book Value	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	2,320.93	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	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	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	1,837.21	1,520.29
Restructured Account	806	806	868	868	939	939	888	995	995	1,114	1,114	1,268	1,268	1,395	1,579	1,579	1,837	1,837	2,214	2,214	2,533	2,571	4,115
% of Gross NPAs	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.03	0.03	0.04	0.04	0.04
% of Net NPAs	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.02	0.02
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	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
RoAE	0.11	—	—	—	—	—	—	0.12	—	—	—	—	—	—	0.14	—	—	—	—	—	—	0.16	0.08
PCR without Tech W/off (%)	0.65	0.65	0.61	0.61	0.60	0.60	0.59	0.58	0.58	0.56	0.56	0.55	0.55	0.54	0.56	0.56	0.58	0.58	0.62	0.62	0.62	0.55	0.39
Business Numbers (Rs. Crores)
Business	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	160,411	154,954.05	154,954.05	148,449	147,319.63	137,169.98
Net Advances	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	68,216	65,422.32	65,422.32	61,489	59,951.62	56,783.14
- Net Advances Growth YoY	+6.9%	+6.9%	-1.0%	-1.0%	-2.4%	-2.4%	-1.7%	+7.0%	+7.0%	+12.1%	+12.1%	+13.0%	+13.0%	+20.4%	+19.3%	+19.3%	+9.1%	+9.1%	+9.3%	+9.3%	+5.4%	+5.6%	+10.2%
Deposits	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	100,119	99,967.99	99,967.99	100,163.92	98,057.83	98,057.83	92,195	92,195	89,531.73	89,531.73	86,960	87,368.01	80,386.84
- Deposit Growth YoY	+3.8%	+3.8%	+4.0%	+4.0%	+2.9%	+2.9%	+3.1%	+6.9%	+6.9%	+8.6%	+8.6%	+11.7%	+11.7%	+15.2%	+12.2%	+12.2%	+9.0%	+9.0%	+9.7%	+9.7%	+7.9%	+8.7%	+6.3%
--Current deposits	7,781	7,781	6,162	6,162	6,100	6,100	5,910	7,094	7,094	5,678	5,678	5,763	5,763	5,671	6,180.64	6,180.64	5,085	5,085	5,168	5,168	4,650	5,314.23	4,826.75
--growth y-o-y	+9.7%	+9.7%	+8.5%	+8.5%	+5.8%	+5.8%	+4.2%	+14.8%	+14.8%	+11.7%	+11.7%	+11.5%	+11.5%	+22.0%	+16.3%	+16.3%	+10.8%	+10.8%	+10.8%	+10.8%	-3.8%	+10.1%	+0.1%
--Savings deposits	28,779	28,779	26,667	26,667	25,782	25,782	25,925	26,187	26,187	24,619	24,619	24,993	24,993	24,918	25,167.27	25,167.27	23,910	23,910	23,402	23,402	23,342.42	23,491	21,672.84
--growth y-o-y	+9.9%	+9.9%	+8.3%	+8.3%	+3.2%	+3.2%	+4.0%	+4.1%	+4.1%	+3.0%	+3.0%	+6.8%	+6.8%	+6.7%	+7.1%	+7.1%	+6.7%	+6.7%	+5.8%	+5.8%	+8.1%	+8.4%	+14.1%
CASA	36,560	36,560	32,829	32,829	31,882	31,882	33,233.65	33,281	33,281	30,297	30,297	30,756	30,756	32,242.77	31,347.91	31,347.91	28,995.33	28,995.33	28,569.58	28,569.58	27,992.42	28,805.23	26,499.59
-- % of total Deposits	0.34	0.34	0.32	0.32	0.31	0.31	0.32	0.32	0.32	0.30	0.30	0.31	0.31	0.32	0.32	0.32	0.31	0.31	0.32	0.32	0.32	0.33	0.33
Cost Ratios as % of Total Income
Interest / Discount on advances	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	18.42%	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	0.52%	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	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	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	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	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	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	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	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	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	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	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	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	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

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Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	—	—	9,111	2,365	6,746	2,286	4,460	2,329	2,131	8,008	2,080	5,922	2,058	3,864	1,976	1,888	6,851	1,825	5,019	1,794	3,226	1,657	1,569
Income on Investments	1,884	—	501	1,383	498	885	467	418	1,622	421	1,201	423	778	393	385	1,331	354	977	339	638	333	305	1,099
Interest on bal with RBI and others	39	—	11	28	5	23	7	16	20	10	10	2	8	4	4	22	4	18	4	14	6	8	83
Others	40	26	14	5	9	4	5	28	4	24	5	18	11	7	9	5	4	2	2	1	1	8	3
Total Fund based income	11,074	2,904	8,171	2,794	5,377	2,808	2,569	9,678	2,516	7,157	2,489	4,669	2,384	2,285	8,213	2,187	6,019	2,139	3,880	1,997	1,883	6,517	5,588
--growth y-o-y	-85.28%	—	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	—	—	—	-0.49%	—	9.32%	2.09%	—	1.10%	—	4.39%	—	4.35%	4.46%	—	2.23%	—	7.13%	—	6.06%	6.48%	—	—
Other Income	—	—	2,084	616	1,469	509	960	512	447	1,830	509	1,325	465	860	472	388	1,649	626	1,030	358	672	339	333
Total Income	13,159	3,519	9,639	3,303	6,336	3,320	3,016	11,508	3,025	8,482	2,953	5,529	2,856	2,673	9,863	2,813	7,049	2,497	4,552	2,336	2,216	7,675	6,372
Total Interest Expense	6,136	—	1,545	4,591	1,555	3,036	1,547	1,489	5,418	1,427	3,991	1,407	2,584	1,324	1,260	4,395	1,189	3,206	1,138	2,068	1,082	986	3,168
--growth y-o-y	-15.27%	—	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	—	—	—	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	3,166	4,939	1,359	3,580	1,239	2,341	1,261	1,079	4,260	1,089	3,166	1,081	2,084	1,060	1,024	3,818	998	2,814	1,001	1,812	915	897	3,349
--growth y-o-y	—	—	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	—	—	—	-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	1,434	—	341	1,093	363	730	365	365	1,449	385	1,064	374	690	357	333	1,461	440	1,021	375	647	328	319	1,006
Other administrative Exps	1,514	—	387	1,127	380	747	391	356	1,428	379	1,049	357	692	359	333	1,178	318	860	308	552	289	263	1,026
Total Operating Expenses	2,948	728	2,220	743	1,477	756	721	2,877	764	2,114	731	1,383	716	667	2,639	757	1,881	683	1,198	616	582	2,032	1,854
Profit before Tax and Provisions	5,386	4,075	1,247	2,828	1,005	1,823	1,017	806	3,212	835	2,377	815	1,562	816	746	2,829	867	1,962	676	1,286	638	648	2,476
--growth y-o-y	—	—	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	—	—	—	-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	40	—	26	14	5	9	4	5	28	4	24	5	18	11	7	9	5	4	2	2	1	1	8
Total Provisions	755	258	497	105	393	274	118	622	161	460	147	313	180	133	729	293	436	150	286	126	159	1,039	714
Profit Before tax	5,884	3,320	989	2,331	901	1,430	743	687	2,591	674	1,917	668	1,249	636	613	2,100	574	1,527	526	1,000	512	489	1,437
Income Tax	810	—	264	546	211	335	169	166	649	160	489	172	317	163	154	495	117	378	115	263	133	130	331
effective tax rate	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	6,429	2,510	725	1,785	690	1,095	574	521	1,942	513	1,428	496	932	474	459	1,605	456	1,149	412	737	378	359	1,106
--growth y-o-y	—	—	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	—	—	—	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	—	193	193	193	193	193	161	161	161	161	161	161	161	161	161	161	161	161	161	161	160	160
Reserves	—	13,915	13,915	13,554	13,554	12,864	12,864	12,290	11,769	11,769	11,307	11,307	10,811	10,811	10,338	9,879	9,879	9,572	9,572	9,161	9,161	8,782	8,424
Capital Adequacy Ratio	0.00%	—	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	—	—	26	8	18	7	11	6	6	24	6	18	6	12	6	6	20	6	14	5	9	5	4
DPS	—	—	—	—	—	—	—	3	—	—	—	—	—	—	2	—	—	—	—	—	—	2	2
Dividend Payout	10.01%	—	—	—	—	—	—	10.78%	—	—	—	—	—	—	12.03%	—	—	—	—	—	—	14.50%	19.01%
Cost to Income Ratio	-70.11%	—	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	—	—	146	146	142	142	135	135	155	148	148	142	142	136	136	130	125	125	121	121	116	116	111
Adj Book Value	—	—	145	145	141	141	134	134	153	147	147	141	141	134	134	128	122	122	118	118	113	113	108
Gross NPAs	744	—	744	687	687	708	708	593	642	642	691	691	886	886	1,025	1,042	1,042	1,152	1,152	1,219	1,219	1,330	1,458
Net NPAs	186	—	186	183	183	176	176	170	166	166	167	167	219	219	294	298	298	305	305	324	324	390	468
% of Gross NPAs	0.00%	—	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	0.00%	—	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	—	—	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 (%)	—	—	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	213,856	213,856	211,137	211,137	202,676	202,676	195,594	186,083	186,083	181,457	181,457	175,457	175,457	169,314	162,780	162,780	157,463	157,463	152,576	152,576	146,688	139,772	124,011
Net Advances	98,191	—	98,191	96,542	96,542	92,185	92,185	88,944	84,005	84,005	82,302	82,302	79,619	79,619	76,965	73,667	73,667	71,798	71,798	69,507	69,507	65,973	63,134
- Net Advances Growth YoY	—	—	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	115,666	—	115,666	114,595	114,595	110,492	110,492	106,650	102,078	102,078	99,155	99,155	95,839	95,839	92,349	89,113	89,113	85,665	85,665	83,068	83,068	80,715	76,638
- Deposit Growth YoY	—	—	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	21,984	—	21,984	21,277	21,277	20,779	20,779	19,914	19,479	19,479	19,339	19,339	19,391	19,391	19,315	18,802	18,802	18,504	18,504	18,639	18,639	18,432	17,995
--Current deposits	9,138	—	9,138	9,922	9,922	9,776	9,776	9,392	8,353	8,353	8,828	8,828	8,841	8,841	8,727	8,283	8,283	8,508	8,508	8,155	8,155	8,117	7,454
CASA	31,122	31,122	31,199	31,199	30,555	30,555	29,306	27,832	27,832	28,167	28,167	28,232	28,232	28,042	27,085	27,085	27,012	27,012	26,794	26,794	26,549	25,449	23,904
-- % of total Deposits	—	—	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	0.00%	—	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	97.05%	—	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	1.96%	—	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	0.99%	—	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	0.00%	—	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	3.22%	—	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	-2.22%	—	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	76.75%	—	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	79.10%	—	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	1.56%	—	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	-3.78%	—	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	34.91%	—	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	-4.13%	—	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	38.30%	—	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	-4.51%	—	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	43,055	11,008	32,047	10,827	21,220	10,605	10,615	40,746	10,485	30,261	10,349	19,912	10,133	9,779	35,658	9,474	26,184	9,210	16,975	8,676	8,298	26,978	19,379
Income on Investments	10,836	2,682	8,154	2,623	5,531	2,661	2,869	10,829	2,743	8,086	2,721	5,364	2,772	2,592	8,898	2,466	6,432	2,276	4,156	2,148	2,007	6,459	6,689
Interest on bal with RBI and others	1,123	347	776	321	454	235	219	895	153	741	245	496	224	272	779	160	619	240	379	274	106	550	723
Others	551	138	413	132	281	148	134	450	148	302	112	190	87	103	463	207	257	73	183	95	89	263	247
Total Fund based income	55,564	14,175	41,389	13,903	27,486	13,649	13,837	52,920	13,530	39,390	13,428	25,962	13,216	12,746	45,799	12,307	33,492	11,799	21,693	11,193	10,500	34,251	27,039
--growth y-o-y	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	—	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	11,623	3,116	8,507	2,838	5,669	2,589	3,080	11,418	3,182	8,236	2,623	5,613	2,684	2,929	10,273	2,978	7,295	2,297	4,998	2,315	2,683	7,235	5,986
Total Income	67,187	17,291	49,896	16,741	33,155	16,239	16,917	64,338	16,712	47,626	16,050	31,576	15,900	15,675	56,072	15,285	40,787	14,096	26,691	13,507	13,183	41,486	33,025
Total Interest Expense	25,554	6,299	19,255	6,339	12,916	6,339	6,577	24,578	6,246	18,332	6,231	12,100	6,197	5,904	19,806	5,398	14,408	5,246	9,162	4,896	4,266	12,699	10,221
--growth y-o-y	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	—	-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	30,010	7,875	22,135	7,565	14,570	7,311	7,259	28,342	7,284	21,058	7,196	13,862	7,020	6,842	25,993	6,909	19,084	6,554	12,530	6,297	6,234	21,552	16,818
--growth y-o-y	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	—	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	8,352	2,061	6,291	2,246	4,045	1,980	2,066	7,881	2,106	5,774	1,952	3,822	1,951	1,870	6,856	1,826	5,030	1,748	3,282	1,635	1,647	5,520	4,582
Other administrative Exps	11,215	3,076	8,139	2,777	5,362	2,652	2,710	10,873	2,888	7,986	2,686	5,300	2,653	2,647	9,822	2,600	7,223	2,536	4,687	2,366	2,320	8,419	6,171
Total Operating Expenses	19,566	5,137	14,430	5,023	9,407	4,632	4,776	18,754	4,994	13,760	4,638	9,122	4,605	4,517	16,679	4,426	12,253	4,284	7,968	4,001	3,967	13,939	10,753
Profit Before Tax and Provisions	22,067	5,855	16,212	5,380	10,832	5,268	5,564	21,007	5,472	15,534	5,181	10,353	5,099	5,254	19,587	5,462	14,126	4,566	9,560	4,610	4,950	14,848	12,051
--growth y-o-y	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	—	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	3,481	516	2,965	810	2,155	947	1,208	2,942	909	2,033	794	1,239	660	578	1,574	264	1,310	579	731	367	364	457	690
Total Provisions	3,481	516	2,965	810	2,155	947	1,208	2,942	909	2,033	794	1,239	660	578	1,574	264	1,310	579	731	367	364	457	690
Profit Before tax	18,586	5,339	13,247	4,570	8,677	4,321	4,356	18,064	4,563	13,501	4,387	9,114	4,439	4,676	18,014	5,198	12,816	3,987	8,829	4,244	4,585	14,391	11,361
Exceptional items	0	0	0	0	0	0	0	3,520	0	3,520	0	3,520	0	3,520	—	0	—	0	—	0	0	—	—
Income Tax	4,578	1,312	3,266	1,124	2,142	1,068	1,074	5,134	1,011	4,123	1,082	3,041	1,095	1,946	4,232	1,065	3,168	982	2,186	1,053	1,133	3,452	2,789
effective tax rate	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	14,008	4,027	9,981	3,446	6,535	3,253	3,282	16,450	3,552	12,898	3,305	9,594	3,344	6,250	13,782	4,133	9,648	3,005	6,643	3,191	3,452	10,939	8,573
--growth y-o-y	-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	—	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	995	995	995	995	994	994	994	994	994	994	994	994	994	994	994	994	994	994	994	994	994	993	992
Reserves	134,204	134,204	156,401	156,401	156,401	156,401	156,401	156,401	156,401	128,898	128,898	128,898	128,898	128,899	128,898	128,898	110,761	110,761	110,761	110,761	110,761	110,761	95,642
Gross NPAs	6,018	6,018	6,320	6,320	6,480	6,480	6,638	6,134	6,134	6,266	6,266	6,033	6,033	5,477	5,275	5,275	—	6,302	—	6,302	5,909	6,087	5,909
Net NPAs	1,263	1,263	1,497	1,497	1,491	1,491	1,531	1,343	1,343	1,681	1,681	1,724	1,724	1,376	1,271	1,271	—	1,225	—	1,225	1,302	1,275	1,302
% of Gross NPAs	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	0.25%	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 (%)	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	22.40%	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	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 (%)	4.60%	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	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	11.08%	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	14	4	50	3	33	3	3	17	4	65	17	48	17	31	69	21	49	15	33	16	17	55	43
DPS	1	—	—	—	—	—	—	2	—	—	—	—	—	—	2	—	—	—	—	—	—	2	1
Dividend Payout	4.62%	—	—	—	—	—	—	15.11%	—	—	—	—	—	—	2.88%	—	—	—	—	—	—	2.72%	2.55%
Branches	2,276	2,276	2,218	2,218	2,198	2,198	2,154	2,148	2,148	2,068	2,068	2,013	2,013	1,965	1,948	1,948	1,869	1,869	1,850	1,850	1,788	1,780	1,700
Cost to Income Ratio	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	136	136	131	131	126	126	124	118	118	115	115	111	111	107	97	97	0	93	0	90	87	83	72
Adj Book Value	675	675	786	786	786	786	786	787	787	647	647	647	647	649	649	649	562	558	562	558	558	558	481
Business (Standalone)	1,068,465	1,068,465	1,023,311	1,023,311	991,464	991,464	957,661	925,964	925,964	887,336	887,336	860,976	860,976	837,375	825,029	825,029	768,224	768,224	749,247	749,247	714,836	682,957	582,938
Net Advances	496,009	496,009	480,673	480,673	462,688	462,688	444,823	426,909	426,909	413,839	413,839	399,522	399,522	389,957	376,075	376,075	359,588	359,588	348,284	348,284	328,582	319,861	271,254
- Net Advances Growth YoY	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	572,456	572,456	542,638	542,638	528,776	528,776	512,838	499,055	499,055	473,497	473,497	461,454	461,454	447,418	448,954	448,954	408,636	408,636	400,963	400,963	386,254	363,096	311,684
- Deposit Growth YoY	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	146,076	146,076	133,904	133,904	133,904	133,904	127,945	131,556	131,556	125,512	125,512	129,975	129,975	124,078	129,096	129,096	126,261	126,261	124,655	124,655	124,567	121,785	124,472
--Current deposits	101,647	101,647	89,887	89,887	89,887	89,887	81,700	82,861	82,861	74,899	74,899	71,299	71,299	70,144	75,208	75,208	68,788	68,788	68,824	68,824	64,722	70,030	64,662
CASA	247,723	247,723	223,791	223,791	223,791	223,791	209,645	214,417	214,417	200,411	200,411	201,274	201,274	194,222	204,304	204,304	195,049	195,049	193,479	193,479	189,289	191,815	189,134
-- % of total Deposits	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	77.49%	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	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	2.02%	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	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	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	45.99%	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	54.01%	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	15.03%	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	20.18%	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	35.21%	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	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	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	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	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	11,660	3,009	8,651	3,010	5,640	2,868	2,772	11,225	2,799	8,425	2,846	5,579	2,829	2,750	9,978	2,679	7,299	2,599	4,700	2,430	2,270	7,403	6,317
Income on Investments	2,145	555	1,590	522	1,069	521	548	2,147	564	1,584	533	1,050	527	523	2,034	513	1,521	501	1,019	501	518	1,626	1,348
Interest on bal with RBI and others	323	112	211	79	132	64	68	302	55	248	87	160	93	67	162	58	104	41	63	34	29	265	362
Others	207	44	163	56	108	55	53	365	58	307	70	237	81	156	220	88	132	50	81	43	39	107	149
Total Fund based income	14,336	3,720	10,615	3,667	6,949	3,507	3,441	14,039	3,476	10,564	3,536	7,027	3,531	3,496	12,394	3,339	9,055	3,191	5,864	3,008	2,856	9,401	8,176
--growth y-o-y	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	—	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	4,121	1,069	3,052	1,050	2,002	933	1,069	3,806	1,000	2,806	1,073	1,733	927	805	3,043	875	2,167	778	1,390	704	685	2,489	2,419
Total Income	18,457	4,789	13,668	4,717	8,951	4,440	4,511	17,845	4,476	13,370	4,610	8,760	4,458	4,302	15,437	4,215	11,223	3,969	7,254	3,712	3,541	11,891	10,595
Total Interest Expense	7,976	2,049	5,927	2,010	3,917	1,957	1,960	7,576	1,913	5,664	1,951	3,712	1,916	1,796	6,351	1,739	4,612	1,646	2,967	1,533	1,434	4,678	4,149
--growth y-o-y	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	—	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	6,360	1,671	4,689	1,657	3,031	1,551	1,481	6,463	1,563	4,900	1,585	3,315	1,615	1,700	6,043	1,600	4,443	1,546	2,897	1,475	1,422	4,723	4,027
--growth y-o-y	-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	—	0.83%	—	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	1,944	482	1,462	502	959	485	475	1,734	448	1,286	453	833	465	368	1,492	377	1,115	399	716	375	341	1,340	1,002
Other administrative Exps	5,238	1,302	3,935	1,293	2,643	1,270	1,373	4,908	1,254	3,654	1,209	2,445	1,167	1,278	4,563	1,211	3,352	1,159	2,193	1,074	1,119	3,670	2,657
Total Operating Expenses	7,182	1,785	5,397	1,795	3,602	1,755	1,847	6,642	1,702	4,941	1,662	3,279	1,632	1,646	6,055	1,588	4,467	1,558	2,909	1,448	1,460	5,010	3,659
Profit before Tax and Provisions	3,299	955	2,344	912	1,431	728	703	3,627	861	2,766	997	1,769	910	859	3,031	887	2,144	765	1,378	731	647	2,202	2,787
--growth y-o-y	-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	—	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	0	0	—	0	—	—	0	0	0	—	0	—	—	0	0	0	—	0	—	—	0	0
Others	207	44	163	56	108	55	53	365	58	307	70	237	81	156	220	88	132	50	81	43	39	107	149
Total Provisions	2,260	678	1,581	639	942	500	442	2,959	785	2,174	1,189	985	618	366	1,778	414	1,365	458	907	640	266	1,022	2,902
Profit Before tax	1,040	277	762	273	489	229	261	668	76	592	192	192	192	784	292	493	1,252	473	779	307	472	91	115
Income Tax	217	47	170	59	110	50	60	27	0	35	225	27	0	0	7	35	36	225	110	203	190	69	40
effective tax rate	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	822	230	593	214	379	179	200	695	69	627	33	594	223	372	1,168	353	815	233	582	294	288	883	75
--growth y-o-y	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	—	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	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10	10
Capital & Key Ratios
Equity Share Capital	618	618	617	617	613	613	609	608	608	608	608	608	608	606	605	605	603	603	601	601	600	600	600
Reserves	15,986	15,986	15,591	15,591	15,377	15,377	15,199	14,998	14,998	14,817	14,817	14,785	14,785	14,562	14,191	14,191	13,792	13,792	13,559	13,559	13,265	12,977	12,018
Capital Adequacy Ratio	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	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 (%)	4.51%	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	13	4	10	3	6	3	3	11	1	10	1	10	4	6	19	6	14	4	10	5	5	15	1
DPS	1	—	—	—	—	—	—	1	—	—	—	—	—	—	2	—	—	—	—	—	—	2	0
Dividend Payout	7.52%	—	—	—	—	—	—	8.74%	—	—	—	—	—	—	7.77%	—	—	—	—	—	—	10.19%	0.00%
Cost to Income Ratio	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	269	269	263	263	261	261	260	257	257	254	254	253	253	250	245	245	239	239	235	235	231	226	210
Adj Book Value	264	264	256	256	254	254	255	254	254	248	248	245	245	243	237	237	231	231	229	229	223	217	201
Gross NPAs	1,675	1,675	1,961	1,961	2,378	2,378	2,686	2,465	2,465	2,701	2,701	2,581	2,581	2,378	2,271	2,271	2,551	2,551	2,441	2,441	2,404	2,420	2,728
Net NPAs	443	443	567	567	572	572	429	271	271	482	482	698	698	639	619	619	636	636	594	594	730	773	807
Slippages	3,810	925	2,885	900	1,985	925	1,060	4,113	1,058	3,055	1,309	1,746	1,026	720	2,442	680	1,762	666	1,096	541	555	2,754	3,944
% of Gross NPAs	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	0.39%	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)	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	0.53%	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 (%)	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	253,250	253,250	222,807	222,807	217,196	217,196	207,165	203,562	203,562	197,165	197,165	195,841	195,841	188,056	187,481	187,481	172,695	172,695	166,105	166,105	158,723	155,096	139,028
Net Advances	114,232	114,232	103,086	103,086	100,529	100,529	94,431	92,618	92,618	90,412	90,412	87,882	87,882	86,704	83,987	83,987	79,949	79,949	76,324	76,324	73,087	70,209	60,022
- Net Advances Growth YoY	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	139,018	139,018	119,721	119,721	116,667	116,667	112,734	110,944	110,944	106,753	106,753	107,959	107,959	101,352	103,494	103,494	92,746	92,746	89,780	89,780	85,636	84,887	79,007
- Deposit Growth YoY	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	20,801	20,801	20,501	20,501	19,805	19,805	18,907	19,958	19,958	20,340	20,340	19,661	19,661	18,186	18,056	18,056	17,416	17,416	17,258	17,258	16,795	16,922	16,354
--Current deposits	25,922	25,922	16,471	16,471	17,364	17,364	17,707	17,928	17,928	14,682	14,682	16,563	16,563	14,817	18,393	18,393	13,922	13,922	14,831	14,831	15,132	14,795	11,535
CASA	46,723	46,723	36,972	36,972	37,169	37,169	36,614	37,886	37,886	35,022	35,022	36,224	36,224	33,003	36,449	36,449	31,338	31,338	32,089	32,089	31,927	31,717	27,879
-- % of total Deposits	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	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	14.97%	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	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	1.45%	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	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	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	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	13.56%	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	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	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	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	15.76%	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	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	1.51%	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	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	7,757	—	2,036	5,721	1,963	3,758	1,875	1,883	7,529	1,914	5,615	1,895	3,719	1,878	1,841	6,891	1,821	5,070	1,747	3,323	1,699	1,624	5,712
Income on Investments	1,789	—	472	1,318	498	820	456	364	1,592	386	1,206	404	801	393	408	1,552	407	1,145	399	746	385	361	1,286
Interest on bal with RBI and others	209	—	44	166	48	117	61	56	167	39	128	46	81	52	29	88	21	66	19	47	26	21	132
Others	91	8	83	9	74	15	60	125	33	92	25	67	31	35	83	25	57	20	38	18	19	103	144
Total Fund based income	9,846	2,559	7,287	2,518	4,769	2,407	2,362	9,413	2,373	7,040	2,371	4,669	2,355	2,314	8,613	2,275	6,338	2,184	4,154	2,129	2,025	7,233	6,587
--growth y-o-y	-22.59%	—	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	—	—	—	4.59%	—	1.89%	-0.46%	—	0.11%	—	0.68%	—	1.74%	1.75%	—	4.15%	—	2.59%	—	5.13%	2.64%	—	—
Other Income	2,009	—	386	1,624	486	1,138	516	622	1,891	572	1,318	447	871	449	422	1,516	346	1,169	452	717	356	361	813
Total Income	11,856	2,945	8,911	3,003	5,907	2,923	2,984	11,304	2,946	8,358	2,818	5,540	2,804	2,736	10,128	2,621	7,508	2,636	4,871	2,485	2,386	8,046	7,565
Total Interest Expense	6,409	—	1,644	4,765	1,637	3,128	1,598	1,530	5,928	1,505	4,423	1,501	2,921	1,472	1,449	5,281	1,400	3,881	1,365	2,516	1,298	1,217	4,221
--growth y-o-y	-19.61%	—	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	—	—	—	2.41%	—	4.47%	1.65%	—	0.24%	—	1.97%	—	1.64%	3.47%	—	2.56%	—	5.13%	—	6.67%	9.10%	—	—
Net Interest Income	3,437	915	2,522	881	1,641	809	833	3,486	868	2,617	869	1,748	882	866	3,332	875	2,457	819	1,638	831	808	3,012	2,240
--growth y-o-y	-27.65%	—	-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	—	—	—	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	1,621	—	352	1,269	429	840	420	420	1,653	398	1,255	415	840	421	419	1,693	413	1,280	460	821	418	403	1,300
Other administrative Exps	1,453	—	368	1,085	354	731	369	362	1,454	360	1,094	373	721	360	361	1,287	374	913	328	584	308	276	1,017
Total Operating Expenses	3,073	720	2,354	782	1,571	789	782	3,106	757	2,349	788	1,561	782	780	2,980	787	2,193	788	1,405	726	679	2,317	2,026
Profit before Tax and Provisions	2,373	581	1,792	584	1,208	536	672	2,270	683	1,587	529	1,058	550	508	1,868	434	1,434	483	951	460	490	1,507	1,192
--growth y-o-y	-21.06%	—	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	—	—	—	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	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Others	91	—	8	83	9	74	15	60	125	33	92	25	67	31	35	83	25	57	20	38	18	19	103
Total Provisions	417	34	383	80	303	63	239	513	224	289	66	223	110	113	339	41	298	49	250	51	198	399	1,284
Profit Before tax	1,956	547	1,409	504	905	472	433	1,757	459	1,298	463	835	440	395	1,529	393	1,136	435	701	409	292	1,108	92
Income Tax	501	—	139	362	130	232	121	111	454	117	337	121	216	116	101	459	105	353	130	224	134	89	137
effective tax rate	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	1,455	408	1,048	374	673	351	322	1,303	342	961	342	619	325	294	1,070	288	783	305	477	275	202	775	45
--growth y-o-y	-19.59%	—	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%	16.20%	-27.35%
--growth q-o-q	—	—	—	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	262	—	262	262	262	262	262	262	262	262	262	262	262	262	262	262	262	209	209	209	209	209	209
Reserves	—	10,828	10,828	10,517	10,517	10,143	10,143	9,792	9,470	9,470	9,176	9,176	8,834	8,834	8,509	8,215	8,215	6,896	6,896	6,590	6,590	6,315	6,113
Capital Adequacy Ratio	0.00%	—	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	—	—	6	2	4	1	3	1	1	5	1	4	1	2	1	1	4	1	4	1	2	1	1
DPS	—	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Dividend Payout	8.09%	—	—	—	—	—	—	8.03%	—	—	—	—	—	—	7.33%	—	—	—	—	—	—	8.10%	0.00%
Cost to Income Ratio	56.77%	—	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	—	—	42	42	41	41	40	40	38	37	37	36	36	35	35	34	32	32	34	34	32	32	31
Adj Book Value	—	—	42	42	40	40	38	38	37	35	35	33	33	32	32	30	29	29	30	30	28	28	27
Gross NPAs	1,430	—	1,430	2,582	2,582	2,103	2,103	2,807	2,800	2,800	3,736	3,736	3,731	3,731	3,720	3,620	3,620	3,682	3,682	3,714	3,714	3,804	3,708
Net NPAs	288	—	288	426	426	506	506	591	791	791	1,056	1,056	1,073	1,073	1,151	1,135	1,135	1,212	1,212	1,234	1,234	1,326	1,294
% of Gross NPAs	0.00%	—	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	0.00%	—	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	—	—	1.05%	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	193	—	193	215	215	241	241	277	317	317	404	404	476	476	664	772	772	894	894	1,159	1,159	1,297	1,516
PCR without Tech W/off (%)	—	—	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	222,606	222,606	212,924	212,924	205,831	205,831	200,016	193,208	193,208	189,783	189,783	187,626	187,626	183,662	179,981	179,981	174,495	174,495	169,673	169,673	167,241	161,456	149,136
Net Advances	99,260	—	99,260	94,713	94,713	90,196	90,196	87,095	85,682	85,682	84,396	84,396	82,174	82,174	80,129	78,061	78,061	75,340	75,340	72,588	72,588	71,742	69,804
- Net Advances Growth YoY	—	—	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	123,346	—	123,346	118,211	118,211	115,635	115,635	112,922	107,526	107,526	105,387	105,387	105,452	105,452	103,532	101,920	101,920	99,155	99,155	97,085	97,085	95,499	91,651
- Deposit Growth YoY	—	—	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	32,475	—	32,475	30,549	30,549	29,797	29,797	29,027	27,699	27,699	26,903	26,903	27,158	27,158	27,282	26,618	26,618	26,027	26,027	26,003	26,003	26,016	25,241
--growth y-o-y	—	—	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	7,146	—	7,146	7,090	7,090	7,044	7,044	7,177	6,030	6,030	5,927	5,927	6,373	6,373	5,913	6,075	6,075	5,502	5,502	5,097	5,097	5,151	4,986
--growth y-o-y	—	—	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	39,621	39,621	37,639	37,639	36,841	36,841	36,204	33,730	33,730	32,830	32,830	33,531	33,531	33,195	32,693	32,693	31,529	31,529	31,100	31,100	31,167	30,227	29,602
CASA Ratio	—	—	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	78.50%	—	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	18.08%	—	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	2.27%	—	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	1.14%	—	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	22.28%	—	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	65.39%	—	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	34.61%	—	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	17.41%	—	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	14.88%	—	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	32.30%	—	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	24.59%	—	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	5.26%	—	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	19.34%	—	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	4.96%	—	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	14.38%	—	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	FY26							FY25							FY24							FY23	FY22
Particulars	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	4,715	1,284	3,431	1,197	2,234	1,127	1,107	4,246	1,087	3,159	1,073	2,087	1,073	1,013	3,758	984	2,773	951	1,822	935	887	3,144	2,953
Income on Investments	1,049	255	795	262	533	271	262	1,017	247	770	252	518	258	260	1,056	263	792	271	521	268	253	904	822
Interest on bal with RBI and others	55	12	43	10	33	15	17	26	7	19	6	13	6	7	31	5	26	6	20	6	14	27	50
Others	1	0	1	0	1	0	0	2	0	1	0	1	0	1	3	1	3	1	2	1	1	6	9
Total Fund based income	5,819	1,550	4,269	1,469	2,800	1,413	1,386	5,291	1,342	3,950	1,331	2,619	1,337	1,281	4,848	1,254	3,594	1,229	2,365	1,209	1,156	4,081	3,834
--growth y-o-y	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	—	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	877	242	635	196	439	208	231	850	200	650	189	461	227	234	645	164	481	158	323	156	167	629	812
Total Income	6,696	1,792	4,904	1,665	3,239	1,621	1,617	6,142	1,542	4,600	1,520	3,080	1,565	1,515	5,493	1,418	4,075	1,387	2,688	1,365	1,323	4,710	4,646
Total Interest Expense	3,292	846	2,446	823	1,623	816	807	2,990	774	2,217	761	1,456	741	715	2,697	687	2,010	692	1,318	676	642	1,987	2,019
--growth y-o-y	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	—	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	2,527	704	1,823	646	1,177	597	580	2,301	568	1,733	570	1,163	596	567	2,151	567	1,584	537	1,047	533	514	2,094	1,815
--growth y-o-y	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	—	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	794	221	574	175	399	176	223	726	178	549	178	370	191	179	686	189	497	167	330	168	162	619	616
Other administrative Exps	755	203	551	199	353	177	176	679	186	493	173	319	167	152	628	175	453	158	295	156	139	532	495
Total Operating Expenses	1,549	424	1,125	374	751	353	399	1,406	364	1,041	352	690	358	331	1,314	364	950	325	625	324	301	1,150	1,111
Profit before Tax and Provisions	1,855	522	1,333	468	865	452	412	1,746	404	1,342	408	934	465	469	1,482	367	1,115	370	745	365	380	1,573	1,516
--growth y-o-y	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	—	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	—	0	—	0	—	—	0	—	0	—	0	—	—	0	—	0	—	0	—	—	0	0
Others	1	0	1	2	0	1	0	0	2	0	3	1	0	1	0	1	3	2	1	3	1	2	1
Total Provisions	49	19	30	1	28	20	8	171	17	154	3	150	65	85	88	24	65	2	62	23	39	179	392
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before tax	1,807	504	1,303	467	836	432	404	1,575	387	1,188	404	784	400	383	1,394	343	1,051	368	683	342	341	1,394	1,125
Income Tax	469	130	339	125	214	115	99	392	95	297	104	193	97	96	322	90	232	84	148	68	80	364	303
effective tax rate	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	1,338	374	964	342	622	318	305	1,183	292	891	300	590	303	287	1,072	253	819	284	535	274	261	1,029	822
--growth y-o-y	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	—	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	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	158	143
Reserves	9,952	9,952	9,814	9,814	9,473	9,473	9,155	8,850	8,850	8,654	8,654	8,353	8,353	8,050	7,763	7,763	7,589	7,589	7,305	7,305	7,031	6,770	5,193
Capital Adequacy Ratio	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 (%)	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 (%)	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	84	24	61	22	39	20	19	75	18	56	19	37	19	18	68	16	52	18	34	17	16	65	58
DPS	12	—	—	—	—	—	—	11	—	—	—	—	—	—	10	—	—	—	—	—	—	5	10
Dividend Payout	14.80%	—	—	—	—	—	—	14.73%	—	—	—	—	—	—	14.77%	—	—	—	—	—	—	7.69%	17.34%
Cost to Income Ratio	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	638	638	630	630	608	608	588	569	569	556	556	538	538	518	500	500	489	489	471	471	454	438	374
Adj Book Value	634	634	625	625	603	603	582	562	562	549	549	529	529	507	485	485	473	473	455	455	443	427	359
Gross NPAs	388	388	463	463	474	474	549	556	556	576	576	584	584	588	575	575	649	649	644	644	581	521	571
Net NPAs	97	97	100	100	122	122	147	160	160	178	178	195	195	262	336	336	375	375	372	372	244	230	318
% of Gross NPAs	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	0.18%	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	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	218	218	246	246	271	271	297	334	334	416	416	516	516	533	570	570	599	599	649	649	703	786	1,034
PCR without Tech W/off (%)	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	114,835	114,835	107,142	107,142	102,011	102,011	98,536	97,673	97,673	93,657	93,657	91,498	91,498	89,718	89,249	89,249	84,915	84,915	84,823	84,823	83,963	85,056	78,425
Net Advances	53,123	53,123	50,435	50,435	46,590	46,590	44,733	43,984	43,984	43,264	43,264	42,156	42,156	40,530	39,734	39,734	38,116	38,116	37,509	37,509	36,955	37,290	33,492
- Net Advances Growth YoY	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	61,712	61,712	56,707	56,707	55,421	55,421	53,803	53,689	53,689	50,392	50,392	49,342	49,342	49,188	49,515	49,515	46,799	46,799	47,314	47,314	47,008	47,766	44,933
- Deposit Growth YoY	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	12,281	12,281	11,405	11,405	10,829	10,829	10,422	10,146	10,146	9,945	9,945	9,887	9,887	9,981	10,089	10,089	—	9,670	9,670	9,409	9,409	9,313	9,487
--growth y-o-y	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	5,084	5,084	4,442	4,442	4,334	4,334	3,989	4,047	4,047	3,843	3,843	3,986	3,986	3,808	4,587	4,587	—	4,195	4,195	3,763	3,763	3,788	4,249
--growth y-o-y	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	17,365	17,365	15,847	15,847	15,163	15,163	14,411	14,193	14,193	13,788	13,788	13,873	13,873	13,789	14,676	14,676	13,865	13,865	13,172	13,172	13,101	13,736	13,705
-- % of total Deposits	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	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	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	0.94%	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	0.02%	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	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	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	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	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	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	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)	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	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	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	8.06%	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	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%

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YES Bank

Figures in Rs. Crores

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Particulars	FY26							FY25							FY24							FY23	FY22
Particulars	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	23,009	5,866	17,143	5,744	11,399	5,633	5,766	23,300	5,836	17,464	5,905	11,559	5,840	5,719	21,087	5,638	15,449	5,355	10,095	5,123	4,972	17,822	15,095
Income on Investments	5,424	1,383	4,041	1,393	2,648	1,285	1,363	5,694	1,340	4,355	1,417	2,938	1,444	1,495	4,958	1,386	3,573	1,265	2,308	1,143	1,165	3,565	2,878
Interest on bal with RBI and others	410	96	313	87	226	112	113	393	102	291	120	171	51	120	458	52	407	97	310	212	98	841	702
Others	1,326	305	1,021	320	702	349	353	1,508	339	1,168	387	781	396	386	1,082	372	710	269	441	233	208	469	348
Total Fund based income	30,169	7,651	22,518	7,543	14,975	7,379	7,596	30,895	7,616	23,279	7,829	15,450	7,730	7,719	27,586	7,447	20,139	6,985	13,154	6,711	6,443	22,697	19,024
--growth y-o-y	-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	—	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	6,759	1,730	5,029	1,633	3,397	1,644	1,752	5,857	1,739	4,118	1,512	2,606	1,407	1,199	5,114	1,569	3,546	1,195	2,351	1,210	1,141	3,927	3,450
Total Income	36,928	9,381	27,547	9,176	18,371	9,023	9,348	36,752	9,355	27,396	9,341	18,055	9,137	8,918	32,700	9,016	23,684	8,179	15,505	7,921	7,584	26,624	22,473
Total Interest Expense	20,393	5,013	15,380	5,078	10,302	5,078	5,224	21,951	5,340	16,611	5,606	11,005	5,530	5,475	19,491	5,294	14,197	4,968	9,229	4,786	4,444	14,780	12,526
--growth y-o-y	-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	—	-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	9,776	2,638	7,138	2,466	4,672	2,301	2,371	8,944	2,276	6,668	2,224	4,444	2,200	2,244	8,095	2,153	5,942	2,017	3,925	1,925	2,000	7,918	6,498
--growth y-o-y	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	—	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	4,237	1,040	3,196	1,169	2,027	1,007	1,020	4,008	1,017	2,992	1,004	1,988	1,008	980	3,774	1,026	2,748	911	1,837	892	946	3,363	2,856
Other administrative Exps	6,792	1,709	5,083	1,696	3,387	1,642	1,745	6,539	1,684	4,854	1,653	3,202	1,624	1,578	6,048	1,793	4,255	1,437	2,819	1,442	1,377	5,299	3,989
Total Operating Expenses	11,029	2,750	8,279	2,865	5,414	2,649	2,766	10,547	2,701	7,846	2,657	5,190	2,632	2,558	9,823	2,819	7,004	2,347	4,656	2,334	2,322	8,661	6,844
Profit before Tax and Provisions	5,506	1,618	3,888	1,234	2,655	1,296	1,358	4,254	1,314	2,940	1,079	1,861	975	885	3,386	902	2,484	864	1,620	801	818	3,183	3,103
--growth y-o-y	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	—	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	1,326	305	1,021	320	702	349	353	1,508	339	1,168	387	781	396	386	1,082	372	710	269	441	233	208	469	348
Total Provisions	912	188	725	22	703	419	284	1,086	318	768	259	509	297	212	1,886	471	1,415	555	861	500	360	2,220	1,667
Profit Before tax	4,594	1,431	3,163	1,212	1,952	878	1,074	3,168	996	2,172	820	1,352	678	674	1,500	432	1,068	309	759	301	458	963	1,436
Income Tax	1,118	362	756	260	496	223	273	762	258	504	208	296	125	171	249	20	0	20	269	78	191	76	116
effective tax rate	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Profit	3,476	1,068	2,407	952	1,456	654	801	2,406	738	1,668	612	1,055	553	502	1,251	452	799	231	568	225	343	717	1,066
--growth y-o-y	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	—	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	6,276	6,276	6,276	6,276	6,274	6,274	6,273	6,271	6,271	6,270	6,270	6,269	6,269	6,267	5,754	5,754	5,752	5,752	5,752	5,752	5,751	5,751	5,011
Reserves	44,786	44,786	43,916	43,916	42,965	42,965	42,310	41,509	41,509	36,781	36,781	36,169	36,169	35,616	35,113	35,113	34,842	34,842	34,611	34,611	34,386	34,043	28,731
Capital Adequacy Ratio	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	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 (%)	2.60%	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	1	0	1	0	0	0	0	1	0	1	0	0	0	0	0	0	0	0	0	0	0	0	0
DPS	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0
Dividend Payout	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%
Cost to Income Ratio	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	16	16	16	16	16	15	15	15	14	14	14	14	13	14	14	14	14	14	14	14	14	13
Adj Book Value	16	16	16	16	16	16	15	15	15	13	13	13	13	13	14	14	14	14	14	14	13	13	11
Gross NPAs	3,605	3,605	4,015	4,015	4,055	4,055	4,022	3,936	3,936	3,963	3,963	3,889	3,889	3,845	3,983	3,983	4,457	4,457	4,319	4,319	4,073	4,395	27,976
Net NPAs	653	653	671	671	771	771	797	800	800	1,143	1,143	1,168	1,168	1,246	1,330	1,330	1,934	1,934	1,885	1,885	2,101	1,658	8,205
Slippages	4,858	1,102	3,756	1,050	2,706	1,248	1,458	5,090	1,223	3,867	1,348	2,519	1,314	1,205	5,270	1,356	3,914	1,233	2,681	1,199	1,482	4,774	5,796
% of Gross NPAs	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%	0.30%	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	1.97%	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	241	241	259	259	271	271	378	424	424	1,928	1,928	2,125	2,125	3,643	3,792	3,792	3,958	3,958	4,499	4,499	4,682	4,705	6,752
Return on Assets	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 (%)	81.89%	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	592,414	592,414	549,975	549,975	546,488	546,488	516,867	530,714	530,714	522,057	522,057	512,331	512,331	494,638	494,172	494,172	459,354	459,354	443,466	443,466	419,573	420,771	378,244
Net Advances	273,445	273,445	257,451	257,451	250,212	250,212	241,024	246,188	246,188	244,834	244,834	235,117	235,117	229,565	227,799	227,799	217,523	217,523	209,106	209,106	200,204	203,269	181,052
- Net Advances Growth YoY	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	318,969	318,969	292,524	292,524	296,276	296,276	275,843	284,525	284,525	277,224	277,224	277,214	277,214	265,072	266,372	266,372	241,831	241,831	234,360	234,360	219,369	217,502	197,192
- Deposit Growth YoY	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	59,637	59,637	58,674	58,674	55,796	55,796	54,090	54,176	54,176	52,045	52,045	47,663	47,663	44,733	40,973	40,973	39,054	39,054	36,524	36,524	34,090	33,300	34,970
--Current deposits	52,322	52,322	40,809	40,809	43,912	43,912	36,260	43,304	43,304	39,605	39,605	40,938	40,938	36,834	41,344	41,344	32,695	32,695	32,433	32,433	30,477	33,603	26,389
CASA	111,959	111,959	99,483	99,483	99,708	99,708	90,350	97,480	97,480	91,650	91,650	88,601	88,601	81,567	82,317	82,317	71,749	71,749	68,957	68,957	64,567	66,903	61,359
-- % of total Deposits	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	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	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	1.36%	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	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	22.41%	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	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	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	14.04%	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	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	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	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	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	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	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	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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