Public Sector Banks

Profitability

₹7,07,048 Cr

Total Interest Income

Base Year

₹2,75,421 Cr

Net Interest Income

Base Year

₹1,22,784 Cr

Other Income

Base Year

₹2,02,879 Cr

Operating Expenses

Base Year

₹1,95,326 Cr

Pre Provisioning Operating Profit

Base Year

₹1,51,116 Cr

Total Provisions

Base Year

₹45,750 Cr

Profit Before Tax

Base Year

₹31,818 Cr

Profit After Tax

Base Year

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY21

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	1,71,429	53,351	50,052	50,405	45,766	27,407	27,455	11,638	10,837	7,154	7,765	4,865	4,68,124
Income on Investments	79,808	24,481	17,077	16,900	20,574	11,548	11,167	10,009	5,712	4,153	6,065	1,874	2,09,367
Interest on bal with RBI and others	4,318	1,899	1,451	1,852	1,605	1,142	425	676	304	315	252	114	14,353
Others	9,596	934	1,915	124	823	503	59	407	112	246	365	121	15,204
Total Interest Income	2,65,151	80,665	70,495	69,280	68,767	40,599	39,106	22,730	16,966	11,869	14,446	6,974	7,07,048
Other Income	41,957	12,897	12,364	14,924	11,744	6,842	6,079	3,167	5,559	2,627	3,720	903	1,22,784
Total Interest Expense	1,54,441	50,273	41,686	45,178	44,079	26,330	23,440	14,485	11,067	6,971	8,966	4,712	4,31,627
Net Interest Income	1,10,710	30,392	28,809	24,103	24,688	14,270	15,666	8,245	5,899	4,897	5,480	2,262	2,75,421
Employee Cost	50,936	12,176	11,446	12,756	9,284	6,473	6,378	4,141	3,703	2,255	2,467	1,688	1,23,703
Other administrative Exps	31,716	8,133	9,098	6,582	7,482	4,366	3,971	2,641	1,859	1,310	1,312	705	79,176
Total Operating Expenses	82,652	20,309	20,544	19,338	16,766	10,839	10,350	6,782	5,562	3,565	3,779	2,394	2,02,879
Profit Before Tax and Provisions	70,014	22,980	20,630	19,689	19,667	10,273	11,396	4,630	5,896	3,959	5,421	771	1,95,326
Total Provisions	44,013	19,501	15,074	15,982	17,268	7,036	8,490	5,954	5,056	3,005	5,563	4,175	1,51,116
Exceptional items	1,540	0	0	0	0	0	0	0	0	0	0	0	1,540
Profit Before Tax	27,541	3,479	5,556	3,707	2,399	3,237	2,906	1,324	840	954	142	3,404	45,750
Income Tax	7,131	1,458	4,727	1,150	507	1,076	99	436	8	404	309	671	13,932
Profit After Tax	20,410	2,022	829	2,558	2,906	2,160	3,005	888	831	550	167	2,733	31,818

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	64.7%	66.1%	71.0%	72.8%	66.6%	67.5%	70.2%	51.2%	63.9%	60.3%	53.7%	69.8%	66.2%
→ Income on Investments	30.1%	30.3%	24.2%	24.4%	29.9%	28.4%	28.6%	44.0%	33.7%	35.0%	42.0%	26.9%	29.6%
→ Interest on RBI & others	1.6%	2.4%	2.1%	2.7%	2.3%	2.8%	1.1%	3.0%	1.8%	2.7%	1.7%	1.6%	2.0%
→ Others	3.6%	1.2%	2.7%	0.2%	1.2%	1.2%	0.2%	1.8%	0.7%	2.1%	2.5%	1.7%	2.2%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	58.2%	62.3%	59.1%	65.2%	64.1%	64.9%	59.9%	63.7%	65.2%	58.7%	62.1%	67.6%	61.0%
Net Interest Income (NIM)	41.8%	37.7%	40.9%	34.8%	35.9%	35.1%	40.1%	36.3%	34.8%	41.3%	37.9%	32.4%	39.0%

Other Income	15.8%	16.0%	17.5%	21.5%	17.1%	16.9%	15.5%	13.9%	32.8%	22.1%	25.8%	12.9%	17.4%

Total Operating Expenses	31.2%	25.2%	29.1%	27.9%	24.4%	26.7%	26.5%	29.8%	32.8%	30.0%	26.2%	34.3%	28.7%
→ Employee Cost	19.2%	15.1%	16.2%	18.4%	13.5%	15.9%	16.3%	18.2%	21.8%	19.0%	17.1%	24.2%	17.5%
→ Other Admin Exp.	12.0%	10.1%	12.9%	9.5%	10.9%	10.8%	10.2%	11.6%	11.0%	11.0%	9.1%	10.1%	11.2%

PPOP	26.4%	28.5%	29.3%	28.4%	28.6%	25.3%	29.1%	20.4%	34.8%	33.4%	37.5%	11.1%	27.6%
Total Provisions	16.6%	24.2%	21.4%	23.1%	25.1%	17.3%	21.7%	26.2%	29.8%	25.3%	38.5%	59.9%	21.4%
Profit Before Tax	10.4%	4.3%	7.9%	5.4%	3.5%	8.0%	7.4%	-5.8%	4.9%	8.0%	-1.0%	-48.8%	6.5%
→ Income Tax	2.7%	1.8%	6.7%	1.7%	-0.7%	2.7%	-0.3%	-1.9%	0.0%	3.4%	-2.1%	-9.6%	2.0%
PAT	7.7%	2.5%	1.2%	3.7%	4.2%	5.3%	7.7%	-3.9%	4.9%	4.6%	1.2%	-39.2%	4.5%

₹7,09,132 Cr

Total Interest Income

↑ 0.29% vs FY21

FY21₹7,07,048 Cr

₹2,97,950 Cr

Net Interest Income

↑ 8.18% vs FY21

FY21₹2,75,421 Cr

₹1,22,968 Cr

Other Income

↑ 0.15% vs FY21

FY21₹1,22,784 Cr

₹2,12,128 Cr

Operating Expenses

↑ 4.56% vs FY21

FY21₹2,02,879 Cr

₹2,08,791 Cr

Pre Provisioning Operating Profit

↑ 6.89% vs FY21

FY21₹1,95,326 Cr

₹1,07,648 Cr

Total Provisions

↓ 28.76% vs FY21

FY21₹1,51,116 Cr

₹95,624 Cr

Profit Before Tax

↑ 109.02% vs FY21

FY21₹45,750 Cr

₹70,339 Cr

Profit After Tax

↑ 121.07% vs FY21

FY21₹31,818 Cr

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY22

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	1,71,824	48,498	49,279	49,862	45,236	25,842	26,971	11,501	10,665	8,232	8,322	4,778	4,61,008
Income on Investments	84,877	23,487	17,617	16,972	19,943	11,116	10,965	9,264	5,675	4,385	6,020	2,095	2,12,416
Interest on bal with RBI and others	4,378	2,286	1,015	2,155	2,248	623	851	1,238	230	91	406	118	15,640
Others	14,378	609	1,970	421	517	495	69	799	160	312	233	104	20,067
Total Interest Income	2,75,457	74,880	69,881	69,410	67,944	38,076	38,856	22,802	16,730	13,019	14,981	7,096	7,09,132
Other Income	40,564	12,320	11,484	16,497	12,525	7,879	6,971	2,968	4,903	2,652	3,214	991	1,22,968
Total Interest Expense	1,54,750	46,185	37,259	43,026	40,157	24,014	22,128	13,315	10,419	6,975	8,508	4,444	4,11,181
Net Interest Income	1,20,708	28,694	32,621	26,384	27,786	14,062	16,728	9,487	6,311	6,044	6,473	2,651	2,97,950
Employee Cost	50,144	11,841	11,979	12,704	10,115	7,056	6,696	3,927	3,486	2,071	3,314	1,453	1,24,784
Other administrative Exps	35,836	8,412	9,738	7,088	8,323	4,897	4,231	2,786	1,965	1,778	1,462	827	87,343
Total Operating Expenses	85,979	20,253	21,716	19,792	18,438	11,952	10,927	6,714	5,451	3,849	4,776	2,281	2,12,128
Profit Before Tax and Provisions	75,292	20,762	22,389	23,089	21,873	9,988	12,773	5,742	5,763	4,848	4,910	1,361	2,08,791
Total Provisions	24,452	16,445	13,002	12,772	13,294	4,422	9,569	3,480	3,984	2,892	3,160	175	1,07,648
Exceptional items	7,418	0	0	1,355	0	0	0	545	0	0	0	0	5,519
Profit Before Tax	43,422	4,316	9,386	11,671	8,579	5,567	3,204	2,806	1,779	1,956	1,750	1,187	95,624
Income Tax	11,746	859	2,114	3,283	3,347	2,162	741	672	70	804	821	148	25,285
Profit After Tax	31,676	3,457	7,272	8,388	5,232	3,405	3,945	2,134	1,710	1,152	930	1,039	70,339

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	62.4%	64.8%	70.5%	71.8%	66.6%	67.9%	69.4%	50.4%	63.7%	63.2%	55.5%	67.3%	65.0%
→ Income on Investments	30.8%	31.4%	25.2%	24.5%	29.4%	29.2%	28.2%	40.6%	33.9%	33.7%	40.2%	29.5%	30.0%
→ Interest on RBI & others	1.6%	3.1%	1.5%	3.1%	3.3%	1.6%	2.2%	5.4%	1.4%	0.7%	2.7%	1.7%	2.2%
→ Others	5.2%	0.8%	2.8%	0.6%	0.8%	1.3%	0.2%	3.5%	1.0%	2.4%	1.6%	1.5%	2.8%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	56.2%	61.7%	53.3%	62.0%	59.1%	63.1%	56.9%	58.4%	62.3%	53.6%	56.8%	62.6%	58.0%
Net Interest Income (NIM)	43.8%	38.3%	46.7%	38.0%	40.9%	36.9%	43.1%	41.6%	37.7%	46.4%	43.2%	37.4%	42.0%

Other Income	14.7%	16.5%	16.4%	23.8%	18.4%	20.7%	17.9%	13.0%	29.3%	20.4%	21.5%	14.0%	17.3%

Total Operating Expenses	31.2%	27.0%	31.1%	28.5%	27.1%	31.4%	28.1%	29.4%	32.6%	29.6%	31.9%	32.1%	29.9%
→ Employee Cost	18.2%	15.8%	17.1%	18.3%	14.9%	18.5%	17.2%	17.2%	20.8%	15.9%	22.1%	20.5%	17.6%
→ Other Admin Exp.	13.0%	11.2%	13.9%	10.2%	12.3%	12.9%	10.9%	12.2%	11.7%	13.7%	9.8%	11.7%	12.3%

PPOP	27.3%	27.7%	32.0%	33.3%	32.2%	26.2%	32.9%	25.2%	34.4%	37.2%	32.8%	19.2%	29.4%
Total Provisions	8.9%	22.0%	18.6%	18.4%	19.6%	11.6%	24.6%	15.3%	23.8%	22.2%	21.1%	2.5%	15.2%
Profit Before Tax	15.8%	5.8%	13.4%	16.8%	12.6%	14.6%	8.2%	12.3%	10.6%	15.0%	11.7%	16.7%	13.5%
→ Income Tax	4.3%	1.1%	3.0%	4.7%	4.9%	5.7%	-1.9%	2.9%	0.4%	6.2%	5.5%	2.1%	3.6%
PAT	11.5%	4.6%	10.4%	12.1%	7.7%	8.9%	10.2%	9.4%	10.2%	8.8%	6.2%	14.6%	9.9%

₹8,51,076 Cr

Total Interest Income

↑ 20.02% vs FY22

FY22₹7,09,132 Cr

₹3,63,387 Cr

Net Interest Income

↑ 21.96% vs FY22

FY22₹2,97,950 Cr

₹1,20,345 Cr

Other Income

↓ 2.13% vs FY22

FY22₹1,22,968 Cr

₹2,44,064 Cr

Operating Expenses

↑ 15.06% vs FY22

FY22₹2,12,128 Cr

₹2,39,667 Cr

Pre Provisioning Operating Profit

↑ 14.79% vs FY22

FY22₹2,08,791 Cr

₹97,029 Cr

Total Provisions

↓ 9.86% vs FY22

FY22₹1,07,648 Cr

₹1,42,638 Cr

Profit Before Tax

↑ 49.17% vs FY22

FY22₹95,624 Cr

₹1,04,649 Cr

Profit After Tax

↑ 48.78% vs FY22

FY22₹70,339 Cr

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY23

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	2,21,401	57,319	64,073	61,357	56,760	33,368	31,941	14,922	13,151	11,486	10,344	5,502	5,81,623
Income on Investments	95,928	25,143	22,156	19,532	21,355	11,943	11,647	8,715	5,898	4,265	6,223	2,359	2,35,166
Interest on bal with RBI and others	3,491	1,890	1,437	2,950	2,117	1,666	878	1,444	352	52	902	31	17,210
Others	11,283	792	1,922	586	511	671	476	461	0	93	182	100	17,077
Total Interest Income	3,32,103	85,144	89,589	84,425	80,743	47,648	44,942	25,542	19,400	15,897	17,651	7,993	8,51,076
Other Income	36,616	12,143	10,026	18,762	14,633	7,100	7,143	4,084	4,109	2,282	2,508	940	1,20,345
Total Interest Expense	1,87,263	50,652	48,233	52,989	47,978	27,373	24,717	13,855	11,145	8,158	10,307	5,019	4,87,690
Net Interest Income	1,44,841	34,492	41,356	31,435	32,765	20,275	20,225	11,687	8,255	7,739	7,343	2,973	3,63,387
Employee Cost	57,292	14,810	13,353	13,744	12,390	8,392	7,527	5,604	4,099	2,058	3,873	1,521	1,44,662
Other administrative Exps	40,451	9,295	11,166	8,738	9,542	5,590	4,571	3,283	2,322	1,864	1,638	943	99,402
Total Operating Expenses	97,743	24,105	24,518	22,481	21,931	13,982	12,098	8,887	6,421	3,922	5,511	2,463	2,44,064
Profit Before Tax and Provisions	83,713	22,529	26,864	27,716	25,467	13,393	15,271	6,884	5,942	6,099	4,341	1,450	2,39,667
Total Provisions	16,507	18,240	7,137	13,543	13,329	7,163	9,356	4,238	3,594	2,654	1,436	170	97,029
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	67,206	4,288	19,727	14,173	12,138	6,229	5,914	2,645	2,348	3,445	2,905	1,620	1,42,638
Income Tax	16,973	1,781	5,617	3,569	3,704	2,206	633	1,063	249	843	1,043	307	37,989
Profit After Tax	50,232	2,507	14,110	10,604	8,433	4,023	5,282	1,582	2,099	2,602	1,862	1,313	1,04,649

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	66.7%	67.3%	71.5%	72.7%	70.3%	70.0%	71.1%	58.4%	67.8%	72.3%	58.6%	68.8%	68.3%
→ Income on Investments	28.9%	29.5%	24.7%	23.1%	26.4%	25.1%	25.9%	34.1%	30.4%	26.8%	35.3%	29.5%	27.6%
→ Interest on RBI & others	1.1%	2.2%	1.6%	3.5%	2.6%	3.5%	2.0%	5.7%	1.8%	0.3%	5.1%	0.4%	2.0%
→ Others	3.4%	0.9%	2.1%	0.7%	0.6%	1.4%	1.1%	1.8%	0.0%	0.6%	1.0%	1.3%	2.0%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	56.4%	59.5%	53.8%	62.8%	59.4%	57.4%	55.0%	54.2%	57.4%	51.3%	58.4%	62.8%	57.3%
Net Interest Income (NIM)	43.6%	40.5%	46.2%	37.2%	40.6%	42.6%	45.0%	45.8%	42.6%	48.7%	41.6%	37.2%	42.7%

Other Income	11.0%	14.3%	11.2%	22.2%	18.1%	14.9%	15.9%	16.0%	21.2%	14.4%	14.2%	11.8%	14.1%

Total Operating Expenses	29.4%	28.3%	27.4%	26.6%	27.2%	29.3%	26.9%	34.8%	33.1%	24.7%	31.2%	30.8%	28.7%
→ Employee Cost	17.3%	17.4%	14.9%	16.3%	15.3%	17.6%	16.7%	21.9%	21.1%	12.9%	21.9%	19.0%	17.0%
→ Other Admin Exp.	12.2%	10.9%	12.5%	10.3%	11.8%	11.7%	10.2%	12.9%	12.0%	11.7%	9.3%	11.8%	11.7%

PPOP	25.2%	26.5%	30.0%	32.8%	31.5%	28.1%	34.0%	27.0%	30.6%	38.4%	24.6%	18.1%	28.2%
Total Provisions	5.0%	21.4%	8.0%	16.0%	16.5%	15.0%	20.8%	16.6%	18.5%	16.7%	8.1%	-2.1%	11.4%
Profit Before Tax	20.2%	5.0%	22.0%	16.8%	15.0%	13.1%	13.2%	10.4%	12.1%	21.7%	16.5%	20.3%	16.8%
→ Income Tax	5.1%	2.1%	6.3%	4.2%	4.6%	4.6%	1.4%	4.2%	1.3%	5.3%	5.9%	3.8%	4.5%
PAT	15.1%	2.9%	15.7%	12.6%	10.4%	8.4%	11.8%	6.2%	10.8%	16.4%	10.6%	16.4%	12.3%

₹10,66,244 Cr

Total Interest Income

↑ 25.28% vs FY23

FY23₹8,51,076 Cr

₹4,07,633 Cr

Net Interest Income

↑ 12.18% vs FY23

FY23₹3,63,387 Cr

₹1,46,422 Cr

Other Income

↑ 21.67% vs FY23

FY23₹1,20,345 Cr

₹2,87,991 Cr

Operating Expenses

↑ 18.00% vs FY23

FY23₹2,44,064 Cr

₹2,66,063 Cr

Pre Provisioning Operating Profit

↑ 11.01% vs FY23

FY23₹2,39,667 Cr

₹61,580 Cr

Total Provisions

↓ 36.53% vs FY23

FY23₹97,029 Cr

₹1,97,383 Cr

Profit Before Tax

↑ 38.38% vs FY23

FY23₹1,42,638 Cr

₹1,41,202 Cr

Profit After Tax

↑ 34.93% vs FY23

FY23₹1,04,649 Cr

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY24

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	2,88,038	75,939	85,098	78,188	71,971	42,881	40,619	19,707	17,576	15,826	14,162	6,951	7,56,958
Income on Investments	1,08,641	27,645	24,866	22,673	22,468	14,123	13,402	9,510	5,946	4,461	6,124	2,656	2,62,513
Interest on bal with RBI and others	5,090	2,779	1,721	4,246	4,855	2,891	1,386	1,120	229	136	1,411	22	25,886
Others	13,362	539	921	3,581	485	815	208	384	300	72	157	65	20,888
Total Interest Income	4,15,131	1,06,902	1,12,606	1,08,688	99,778	60,709	55,615	30,722	24,050	20,495	21,854	9,694	10,66,244
Other Income	51,682	13,384	14,495	18,966	16,080	6,095	7,867	4,711	5,656	2,998	3,266	1,221	1,46,422
Total Interest Expense	2,55,255	66,819	67,884	72,122	63,208	37,657	32,341	17,826	14,220	10,673	13,754	6,853	6,58,611
Net Interest Income	1,59,876	40,083	44,722	36,566	36,571	23,053	23,273	12,896	9,829	9,822	8,101	2,841	4,07,633
Employee Cost	71,237	18,486	15,816	16,434	14,377	9,188	9,265	6,312	6,140	2,838	4,887	1,944	1,76,925
Other administrative Exps	46,524	10,049	12,437	9,686	10,063	5,891	5,036	3,933	2,582	1,976	1,903	987	1,11,067
Total Operating Expenses	1,17,761	28,536	28,253	26,120	24,440	15,079	14,300	10,245	8,722	4,814	6,790	2,932	2,87,991
Profit Before Tax and Provisions	93,797	24,931	30,964	29,413	28,211	14,069	16,840	7,363	6,764	8,005	4,576	1,131	2,66,063
Total Provisions	4,914	11,737	6,076	9,708	6,780	3,970	5,888	3,309	3,351	3,646	2,007	194	61,580
Exceptional items	7,100	0	0	0	0	0	0	0	0	0	0	0	7,100
Profit Before Tax	81,783	13,194	24,889	19,705	21,431	10,099	10,951	4,053	3,413	4,359	2,569	937	1,97,383
Income Tax	20,706	4,950	7,101	5,151	7,782	3,781	2,888	1,504	757	304	915	342	56,181
Profit After Tax	61,077	8,245	17,788	14,554	13,649	6,318	8,063	2,549	2,656	4,055	1,654	595	1,41,202

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	69.4%	71.0%	75.6%	71.9%	72.1%	70.6%	73.0%	64.1%	73.1%	77.2%	64.8%	71.7%	71.0%
→ Income on Investments	26.2%	25.9%	22.1%	20.9%	22.5%	23.3%	24.1%	31.0%	24.7%	21.8%	28.0%	27.4%	24.6%
→ Interest on RBI & others	1.2%	2.6%	1.5%	3.9%	4.9%	4.8%	2.5%	3.6%	1.0%	0.7%	6.5%	0.2%	2.4%
→ Others	3.2%	0.5%	0.8%	3.3%	0.5%	1.3%	0.4%	1.3%	1.2%	0.4%	0.7%	0.7%	2.0%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	61.5%	62.5%	60.3%	66.4%	63.3%	62.0%	58.2%	58.0%	59.1%	52.1%	62.9%	70.7%	61.8%
Net Interest Income (NIM)	38.5%	37.5%	39.7%	33.6%	36.7%	38.0%	41.8%	42.0%	40.9%	47.9%	37.1%	29.3%	38.2%

Other Income	12.4%	12.5%	12.9%	17.5%	16.1%	10.0%	14.1%	15.3%	23.5%	14.6%	14.9%	12.6%	13.7%

Total Operating Expenses	28.4%	26.7%	25.1%	24.0%	24.5%	24.8%	25.7%	33.3%	36.3%	23.5%	31.1%	30.2%	27.0%
→ Employee Cost	17.2%	17.3%	14.0%	15.1%	14.4%	15.1%	16.7%	20.5%	25.5%	13.8%	22.4%	20.1%	16.6%
→ Other Admin Exp.	11.2%	9.4%	11.0%	8.9%	10.1%	9.7%	9.1%	12.8%	10.7%	9.6%	8.7%	10.2%	10.4%

PPOP	22.6%	23.3%	27.5%	27.1%	28.3%	23.2%	30.3%	24.0%	28.1%	39.1%	20.9%	11.7%	25.0%
Total Provisions	1.2%	11.0%	5.4%	8.9%	6.8%	6.5%	10.6%	10.8%	13.9%	17.8%	9.2%	2.0%	5.8%
Profit Before Tax	19.7%	12.3%	22.1%	18.1%	21.5%	16.6%	19.7%	13.2%	14.2%	21.3%	11.8%	9.7%	18.5%
→ Income Tax	5.0%	4.6%	6.3%	4.7%	7.8%	6.2%	5.2%	4.9%	3.1%	1.5%	4.2%	3.5%	5.3%
PAT	14.7%	7.7%	15.8%	13.4%	13.7%	10.4%	14.5%	8.3%	11.0%	19.8%	7.6%	6.1%	13.2%

₹11,89,528 Cr

Total Interest Income

↑ 11.56% vs FY24

FY24₹10,66,244 Cr

₹4,29,362 Cr

Net Interest Income

↑ 5.33% vs FY24

FY24₹4,07,633 Cr

₹1,75,717 Cr

Other Income

↑ 20.01% vs FY24

FY24₹1,46,422 Cr

₹3,03,100 Cr

Operating Expenses

↑ 5.25% vs FY24

FY24₹2,87,991 Cr

₹3,01,979 Cr

Pre Provisioning Operating Profit

↑ 13.50% vs FY24

FY24₹2,66,063 Cr

₹61,430 Cr

Total Provisions

↓ 0.24% vs FY24

FY24₹61,580 Cr

₹2,40,548 Cr

Profit Before Tax

↑ 21.87% vs FY24

FY24₹1,97,383 Cr

₹1,78,364 Cr

Profit After Tax

↑ 26.32% vs FY24

FY24₹1,41,202 Cr

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY25

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	3,30,627	86,101	93,051	87,789	79,067	50,045	44,856	22,339	20,182	19,292	17,117	8,158	8,58,624
Income on Investments	1,15,031	30,701	25,949	24,596	23,184	17,205	15,315	10,092	7,038	5,360	6,347	3,225	2,84,043
Interest on bal with RBI and others	4,416	3,466	1,756	4,661	5,088	3,195	1,585	916	176	203	1,500	17	26,981
Others	11,790	1,493	1,545	2,709	386	381	245	318	735	93	103	82	19,880
Total Interest Income	4,61,864	1,21,761	1,22,301	1,19,755	1,07,726	70,826	62,002	33,666	28,131	24,947	25,067	11,481	11,89,528
Other Income	62,308	16,309	15,788	22,453	19,813	8,994	9,223	5,855	5,545	3,454	4,407	1,568	1,75,717
Total Interest Expense	2,95,524	78,979	75,783	82,683	70,512	46,432	36,826	19,769	17,241	13,282	15,437	7,698	7,60,165
Net Interest Income	1,66,340	42,782	46,518	37,072	37,214	24,394	25,176	13,897	10,890	11,666	9,630	3,784	4,29,362
Employee Cost	64,352	21,358	16,608	17,856	14,668	10,300	9,884	7,219	4,666	3,442	5,453	2,088	1,77,894
Other administrative Exps	53,717	10,903	13,264	10,278	11,269	6,676	5,518	4,409	3,081	2,358	2,546	1,188	1,25,207
Total Operating Expenses	1,18,069	32,261	29,871	28,134	25,937	16,975	15,402	11,627	7,747	5,801	7,999	3,276	3,03,100
Profit Before Tax and Provisions	1,10,579	26,831	32,435	31,390	31,090	16,412	18,998	8,124	8,688	9,319	6,037	2,075	3,01,979
Total Provisions	15,308	1,675	5,980	8,764	7,611	3,978	4,211	3,190	4,176	3,597	2,204	737	61,430
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	95,271	25,156	26,454	22,627	23,479	12,434	14,787	4,934	4,512	5,722	3,834	1,338	2,40,548
Income Tax	24,371	8,526	6,873	5,600	5,492	3,215	3,869	1,149	1,177	203	1,389	322	62,185
Profit After Tax	70,901	16,630	19,581	17,027	17,987	9,219	10,918	3,785	3,335	5,520	2,445	1,016	1,78,364

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	71.6%	70.7%	76.1%	73.3%	73.4%	70.7%	72.3%	66.4%	71.7%	77.3%	68.3%	71.1%	72.2%
→ Income on Investments	24.9%	25.2%	21.2%	20.5%	21.5%	24.3%	24.7%	30.0%	25.0%	21.5%	25.3%	28.1%	23.9%
→ Interest on RBI & others	1.0%	2.8%	1.4%	3.9%	4.7%	4.5%	2.6%	2.7%	0.6%	0.8%	6.0%	0.1%	2.3%
→ Others	2.6%	1.2%	1.3%	2.3%	0.4%	0.5%	0.4%	0.9%	2.6%	0.4%	0.4%	0.7%	1.7%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	64.0%	64.9%	62.0%	69.0%	65.5%	65.6%	59.4%	58.7%	61.3%	53.2%	61.6%	67.0%	63.9%
Net Interest Income (NIM)	36.0%	35.1%	38.0%	31.0%	34.5%	34.4%	40.6%	41.3%	38.7%	46.8%	38.4%	33.0%	36.1%

Other Income	13.5%	13.4%	12.9%	18.7%	18.4%	12.7%	14.9%	17.4%	19.7%	13.8%	17.6%	13.7%	14.8%

Total Operating Expenses	25.6%	26.5%	24.4%	23.5%	24.1%	24.0%	24.8%	34.5%	27.5%	23.3%	31.9%	28.5%	25.5%
→ Employee Cost	13.9%	17.5%	13.6%	14.9%	13.6%	14.5%	15.9%	21.4%	16.6%	13.8%	21.8%	18.2%	15.0%
→ Other Admin Exp.	11.6%	9.0%	10.8%	8.6%	10.5%	9.4%	8.9%	13.1%	11.0%	9.5%	10.2%	10.3%	10.5%

PPOP	23.9%	22.0%	26.5%	26.2%	28.9%	23.2%	30.6%	24.1%	30.9%	37.4%	24.1%	18.1%	25.4%
Total Provisions	3.3%	1.4%	4.9%	7.3%	7.1%	5.6%	6.8%	9.5%	14.8%	14.4%	8.8%	6.4%	5.2%
Profit Before Tax	20.6%	20.7%	21.6%	18.9%	21.8%	17.6%	23.8%	14.7%	16.0%	22.9%	15.3%	11.6%	20.2%
→ Income Tax	5.3%	7.0%	5.6%	4.7%	5.1%	4.5%	6.2%	3.4%	4.2%	0.8%	5.5%	2.8%	5.2%
PAT	15.4%	13.7%	16.0%	14.2%	16.7%	13.0%	17.6%	11.2%	11.9%	22.1%	9.8%	8.8%	15.0%

₹12,49,286 Cr

Total Interest Income

↑ 5.02% vs FY25

FY25₹11,89,528 Cr

₹4,43,135 Cr

Net Interest Income

↑ 3.21% vs FY25

FY25₹4,29,362 Cr

₹1,90,331 Cr

Other Income

↑ 8.32% vs FY25

FY25₹1,75,717 Cr

₹3,16,952 Cr

Operating Expenses

↑ 4.57% vs FY25

FY25₹3,03,100 Cr

₹3,16,514 Cr

Pre Provisioning Operating Profit

↑ 4.81% vs FY25

FY25₹3,01,979 Cr

₹57,648 Cr

Total Provisions

↓ 6.16% vs FY25

FY25₹61,430 Cr

₹2,63,459 Cr

Profit Before Tax

↑ 9.52% vs FY25

FY25₹2,40,548 Cr

₹1,98,209 Cr

Profit After Tax

↑ 11.13% vs FY25

FY25₹1,78,364 Cr

Revenue & Earnings by Bank

Total Interest Income

Net Interest Income

Cost & Profitability by Bank

Operating Expenses

Pre Provisioning Operating Profit

Total Provisions

Profit After Tax

Return Ratios by Bank

Income Statement — All Banks

All figures in ₹ Crores · FY26

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Interest / Discount on advances	3,50,004	88,762	95,942	93,248	79,907	53,472	48,854	24,050	23,935	22,490	18,595	8,581	9,07,841
Income on Investments	1,13,034	33,126	25,068	25,122	22,309	18,050	16,068	10,210	7,518	6,520	6,472	3,309	2,86,807
Interest on bal with RBI and others	6,086	4,258	2,543	5,928	3,968	2,777	1,649	1,254	295	219	1,122	16	30,115
Others	13,672	2,078	3,441	2,069	643	862	880	512	147	53	92	76	24,524
Total Interest Income	4,82,797	1,28,223	1,26,994	1,26,366	1,06,828	75,161	67,451	36,026	31,896	29,282	26,281	11,982	12,49,286
Other Income	68,850	18,794	15,757	26,838	19,435	9,874	9,991	6,377	5,636	3,541	3,460	1,778	1,90,331
Total Interest Expense	3,09,677	86,263	79,311	89,156	70,169	49,989	40,536	21,855	19,322	15,618	16,085	8,170	8,06,151
Net Interest Income	1,73,120	41,960	47,682	37,210	36,659	25,173	26,915	14,170	12,574	13,664	10,196	3,811	4,43,135
Employee Cost	65,724	18,747	15,742	19,266	15,290	10,312	10,760	7,581	4,689	3,376	4,741	2,069	1,78,297
Other administrative Exps	57,825	12,717	15,439	11,764	12,184	7,687	6,229	4,489	3,495	3,003	2,486	1,338	1,38,655
Total Operating Expenses	1,23,549	31,464	31,180	31,030	27,474	17,998	16,989	12,069	8,184	6,379	7,227	3,407	3,16,952
Profit Before Tax and Provisions	1,18,422	29,290	32,259	33,019	28,619	17,049	19,916	8,478	10,026	10,826	6,429	2,182	3,16,514
Total Provisions	17,538	2,540	7,149	8,112	4,438	3,103	3,512	2,044	3,758	2,968	2,055	429	57,648
Exceptional items	4,593	0	0	0	0	0	0	0	0	0	0	0	4,593
Profit Before Tax	1,05,477	26,750	25,110	24,907	24,181	13,946	16,404	6,434	6,268	7,857	4,373	1,752	2,63,459
Income Tax	25,445	9,846	5,089	5,720	5,484	3,419	4,248	2,066	1,060	838	1,606	430	65,250
Profit After Tax	80,032	16,904	20,021	19,187	18,697	10,527	12,156	4,369	5,208	7,019	2,768	1,322	1,98,209

Cost Ratios as % of Total Interest Income

Metric (% of TII)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
→ Interest/Disc. on Advances	72.5%	69.2%	75.5%	73.8%	74.8%	71.1%	72.4%	66.8%	75.0%	76.8%	70.8%	71.6%	72.7%
→ Income on Investments	23.4%	25.8%	19.7%	19.9%	20.9%	24.0%	23.8%	28.3%	23.6%	22.3%	24.6%	27.6%	23.0%
→ Interest on RBI & others	1.3%	3.3%	2.0%	4.7%	3.7%	3.7%	2.4%	3.5%	0.9%	0.7%	4.3%	0.1%	2.4%
→ Others	2.8%	1.6%	2.7%	1.6%	0.6%	1.1%	1.3%	1.4%	0.5%	0.2%	0.4%	0.6%	2.0%
Total Interest Income	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Total Interest Expense	64.1%	67.3%	62.5%	70.6%	65.7%	66.5%	60.1%	60.7%	60.6%	53.3%	61.2%	68.2%	64.5%
Net Interest Income (NIM)	35.9%	32.7%	37.5%	29.4%	34.3%	33.5%	39.9%	39.3%	39.4%	46.7%	38.8%	31.8%	35.5%

Other Income	14.3%	14.7%	12.4%	21.2%	18.2%	13.1%	14.8%	17.7%	17.7%	12.1%	13.2%	14.8%	15.2%

Total Operating Expenses	25.6%	24.5%	24.6%	24.6%	25.7%	23.9%	25.2%	33.5%	25.7%	21.8%	27.5%	28.4%	25.4%
→ Employee Cost	13.6%	14.6%	12.4%	15.2%	14.3%	13.7%	16.0%	21.0%	14.7%	11.5%	18.0%	17.3%	14.3%
→ Other Admin Exp.	12.0%	9.9%	12.2%	9.3%	11.4%	10.2%	9.2%	12.5%	11.0%	10.3%	9.5%	11.2%	11.1%

PPOP	24.5%	22.8%	25.4%	26.1%	26.8%	22.7%	29.5%	23.5%	31.4%	37.0%	24.5%	18.2%	25.3%
Total Provisions	3.6%	2.0%	5.6%	6.4%	4.2%	4.1%	5.2%	5.7%	11.8%	10.1%	7.8%	3.6%	4.6%
Profit Before Tax	21.8%	20.9%	19.8%	19.7%	22.6%	18.6%	24.3%	17.9%	19.7%	26.8%	16.6%	14.6%	21.1%
→ Income Tax	5.3%	7.7%	4.0%	4.5%	5.1%	4.5%	6.3%	5.7%	3.3%	2.9%	6.1%	3.6%	5.2%
PAT	16.6%	13.2%	15.8%	15.2%	17.5%	14.0%	18.0%	12.1%	16.3%	24.0%	10.5%	11.0%	15.9%

Asset Quality

₹6,16,616 Cr

Gross NPA (₹)

Base Year

₹1,96,451 Cr

Net NPA (₹)

Base Year

9.11%

Gross NPA %

Base Year

3.09%

Net NPA %

Base Year

68.14%

PCR (ex. Write-offs)

Base Year

83.38%

PCR (incl. Write-offs)

Base Year

—

GNPA Reduced Since FY21

Base Year

—

NNPA Reduced Since FY21

Base Year

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY21

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	1,26,389	1,04,423	66,671	60,288	89,788	56,535	38,455	29,277	16,323	7,780	11,352	9,334	6,16,616
Net NPAs	36,810	38,576	21,800	24,442	27,281	12,262	12,271	9,036	4,578	2,544	4,390	2,462	1,96,451
% of Gross NPAs	4.98%	14.12%	8.87%	8.93%	13.74%	13.77%	9.85%	16.55%	11.69%	7.23%	9.59%	13.76%	9.11%
% of Net NPAs	1.50%	5.73%	3.09%	3.82%	4.62%	3.35%	3.37%	5.77%	3.58%	2.48%	3.94%	4.04%	3.09%
PCR without Tech W/off (%)	70.88%	63.06%	67.30%	59.46%	69.62%	78.31%	68.09%	69.13%	71.96%	67.30%	61.33%	73.62%	68.14%
PCR with Tech W/off (%)	87.75%	80.14%	81.80%	79.68%	81.27%	86.24%	82.12%	82.54%	90.34%	89.86%	88.40%	82.89%	—

₹5,42,173 Cr

Gross NPA (₹)

↓ 12.07% vs FY21

FY21₹6,16,616 Cr

₹1,54,745 Cr

Net NPA (₹)

↓ 21.23% vs FY21

FY21₹1,96,451 Cr

7.29%

Gross NPA %

↓ 181 bps vs FY21

FY219.11%

2.20%

Net NPA %

↓ 90 bps vs FY21

FY213.09%

71.46%

PCR (ex. Write-offs)

↑ 332 bps vs FY21

FY2168.14%

86.50%

PCR (incl. Write-offs)

↑ 312 bps vs FY21

FY2183.38%

₹74,442 Cr

GNPA Reduced Since FY21

↓ ₹74,442 Cr since FY21

FY21—

₹41,705 Cr

NNPA Reduced Since FY21

↓ ₹41,705 Cr since FY21

FY21—

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY22

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	1,12,023	92,448	54,059	55,652	79,587	45,605	35,214	28,156	15,299	5,327	10,237	8,565	5,42,173
Net NPAs	27,966	34,909	13,365	18,668	24,303	9,852	8,849	6,675	3,825	1,277	3,316	1,742	1,54,745
% of Gross NPAs	3.97%	11.78%	6.61%	7.51%	11.11%	9.98%	8.47%	14.84%	9.82%	3.94%	7.89%	12.17%	7.29%
% of Net NPAs	1.02%	4.80%	1.72%	2.65%	3.68%	2.34%	2.27%	3.97%	2.65%	0.97%	2.70%	2.74%	2.20%
PCR without Tech W/off (%)	75.04%	62.24%	75.28%	66.46%	69.46%	78.40%	74.87%	76.29%	75.00%	76.04%	67.61%	79.66%	71.46%
PCR with Tech W/off (%)	90.20%	81.60%	88.71%	84.17%	83.61%	87.76%	87.38%	86.69%	91.66%	94.79%	91.44%	87.89%	—

₹4,28,197 Cr

Gross NPA (₹)

↓ 21.02% vs FY22

FY22₹5,42,173 Cr

₹1,02,532 Cr

Net NPA (₹)

↓ 33.74% vs FY22

FY22₹1,54,745 Cr

4.97%

Gross NPA %

↓ 232 bps vs FY22

FY227.29%

1.24%

Net NPA %

↓ 96 bps vs FY22

FY222.20%

76.05%

PCR (ex. Write-offs)

↑ 460 bps vs FY22

FY2271.46%

90.38%

PCR (incl. Write-offs)

↑ 388 bps vs FY22

FY2286.50%

₹1,88,418 Cr

GNPA Reduced Since FY21

↓ ₹1,88,418 Cr since FY21

FY22₹74,442 Cr

₹93,919 Cr

NNPA Reduced Since FY21

↓ ₹93,919 Cr since FY21

FY22₹41,705 Cr

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY23

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	90,928	77,328	36,764	46,160	60,987	37,686	28,180	18,386	14,072	4,334	7,726	5,648	4,28,197
Net NPAs	21,467	22,585	8,384	14,349	12,927	8,054	4,043	3,592	3,266	435	2,018	1,412	1,02,532
% of Gross NPAs	2.78%	8.74%	3.79%	5.35%	7.53%	7.31%	5.95%	8.44%	7.44%	2.47%	4.78%	6.97%	4.97%
% of Net NPAs	0.67%	2.72%	0.89%	1.73%	1.70%	1.66%	0.90%	1.77%	1.83%	0.25%	1.29%	1.84%	1.24%
PCR without Tech W/off (%)	76.39%	70.79%	77.19%	68.91%	78.80%	78.63%	85.65%	80.47%	76.79%	89.96%	73.88%	75.01%	76.05%
PCR with Tech W/off (%)	91.91%	86.90%	92.43%	87.31%	90.34%	89.68%	93.82%	92.48%	92.63%	98.28%	94.50%	89.06%	—

₹3,39,541 Cr

Gross NPA (₹)

↓ 20.70% vs FY23

FY23₹4,28,197 Cr

₹72,544 Cr

Net NPA (₹)

↓ 29.25% vs FY23

FY23₹1,02,532 Cr

3.47%

Gross NPA %

↓ 150 bps vs FY23

FY234.97%

0.76%

Net NPA %

↓ 47 bps vs FY23

FY231.24%

78.63%

PCR (ex. Write-offs)

↑ 258 bps vs FY23

FY2376.05%

92.79%

PCR (incl. Write-offs)

↑ 241 bps vs FY23

FY2390.38%

₹2,77,075 Cr

GNPA Reduced Since FY21

↓ ₹2,77,075 Cr since FY21

FY23₹1,88,418 Cr

₹1,23,907 Cr

NNPA Reduced Since FY21

↓ ₹1,23,907 Cr since FY21

FY23₹93,919 Cr

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY24

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	84,276	56,343	31,834	40,605	43,098	29,183	21,106	11,340	6,794	3,833	6,463	4,665	3,39,541
Net NPAs	21,051	6,799	7,213	11,823	8,990	6,845	2,223	3,002	1,217	409	1,622	1,350	72,544
% of Gross NPAs	2.24%	5.73%	2.92%	4.23%	4.76%	4.98%	3.95%	4.50%	3.10%	1.88%	3.46%	5.43%	3.47%
% of Net NPAs	0.57%	0.73%	0.68%	1.27%	1.03%	1.22%	0.43%	1.23%	0.57%	0.20%	0.89%	1.63%	0.76%
PCR without Tech W/off (%)	75.02%	87.93%	77.34%	70.88%	79.14%	76.54%	89.47%	73.53%	82.09%	89.33%	74.91%	71.05%	78.63%
PCR with Tech W/off (%)	91.89%	95.39%	93.30%	89.10%	92.69%	90.59%	96.34%	93.58%	96.85%	98.34%	95.38%	88.69%	—

₹2,83,650 Cr

Gross NPA (₹)

↓ 16.46% vs FY24

FY24₹3,39,541 Cr

₹55,635 Cr

Net NPA (₹)

↓ 23.31% vs FY24

FY24₹72,544 Cr

2.58%

Gross NPA %

↓ 89 bps vs FY24

FY243.47%

0.52%

Net NPA %

↓ 25 bps vs FY24

FY240.76%

80.39%

PCR (ex. Write-offs)

↑ 175 bps vs FY24

FY2478.63%

94.15%

PCR (incl. Write-offs)

↑ 136 bps vs FY24

FY2492.79%

₹3,32,965 Cr

GNPA Reduced Since FY21

↓ ₹3,32,965 Cr since FY21

FY24₹2,77,075 Cr

₹1,40,816 Cr

NNPA Reduced Since FY21

↓ ₹1,40,816 Cr since FY21

FY24₹1,23,907 Cr

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY25

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	76,880	44,082	27,835	31,530	35,350	21,749	18,179	9,225	5,348	4,185	5,919	3,370	2,83,650
Net NPAs	19,667	4,291	6,994	7,353	5,969	5,358	1,110	1,543	912	432	1,068	937	55,635
% of Gross NPAs	1.82%	3.95%	2.26%	2.94%	3.60%	3.27%	3.09%	3.18%	2.14%	1.74%	2.69%	3.38%	2.58%
% of Net NPAs	0.47%	0.40%	0.58%	0.70%	0.63%	0.82%	0.19%	0.55%	0.37%	0.18%	0.50%	0.96%	0.52%
PCR without Tech W/off (%)	74.42%	90.27%	74.87%	76.68%	83.11%	75.36%	93.90%	83.27%	82.95%	89.68%	81.95%	72.19%	80.39%
PCR with Tech W/off (%)	92.08%	96.82%	93.29%	92.70%	94.61%	92.39%	98.10%	96.54%	97.30%	98.26%	96.69%	91.38%	—

₹2,45,634 Cr

Gross NPA (₹)

↓ 16.15% vs FY25

FY25₹2,83,650 Cr

₹48,555 Cr

Net NPA (₹)

↓ 19.36% vs FY25

FY25₹55,635 Cr

1.93%

Gross NPA %

↓ 76 bps vs FY25

FY252.58%

0.39%

Net NPA %

↓ 18 bps vs FY25

FY250.52%

80.23%

PCR (ex. Write-offs)

↑ 77 bps vs FY25

FY2580.39%

94.51%

PCR (incl. Write-offs)

↑ 80 bps vs FY25

FY2594.15%

₹3,70,982 Cr

GNPA Reduced Since FY21

↓ ₹3,62,947 Cr since FY21

FY25₹3,32,965 Cr

₹1,47,896 Cr

NNPA Reduced Since FY21

↓ ₹1,47,057 Cr since FY21

FY25₹1,40,816 Cr

Gross & Net NPA % by Bank

Gross NPA %

Net NPA %

Provision Coverage by Bank

PCR without Tech Write-off (%)

PCR with Tech Write-off (%)

Absolute NPA Pool by Bank

Gross NPA (₹ Crores)

Net NPA (₹ Crores)

NPA & Provision Coverage — All Banks

Figures as reported · FY26

Particulars (₹ Crores)	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
Gross NPAs	73,452	37,124	27,059	22,740	30,401	15,306	13,190	9,185	4,410	4,246	5,690	2,831	2,45,634
Net NPAs	18,830	3,610	6,316	5,209	5,067	4,250	965	1,666	638	384	702	919	48,555
% of Gross NPAs	1.49%	2.95%	1.89%	1.84%	2.82%	1.98%	1.98%	2.67%	1.42%	1.45%	2.17%	2.40%	1.93%
% of Net NPAs	0.39%	0.29%	0.45%	0.43%	0.48%	0.56%	0.15%	0.49%	0.21%	0.13%	0.27%	0.79%	0.39%
PCR without Tech W/off (%)	74.36%	90.28%	76.66%	77.09%	83.33%	72.23%	92.68%	81.86%	85.54%	90.96%	87.66%	67.53%	80.23%
PCR with Tech W/off (%)	91.97%	97.14%	93.94%	94.21%	95.03%	93.57%	98.28%	96.00%	97.50%	98.59%	97.32%	90.91%	—

Quarterly NPA Movement — All PSU Banks

Opening Balance · Additions · Recoveries & Upgrades · Write-offs · Closing Balance · ₹ Crores

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	69,381	20,005	7,290	15,426	66,671	8.87%	21,800	3.09%
Bank of India	61,550	8,540	4,824	8,731	56,535	13.77%	12,262	3.35%
Bank of Maharashtra	12,152	2,202	1,644	4,931	7,780	7.23%	2,544	2.48%
Canara Bank	37,041	41,971	9,592	9,132	60,288	8.93%	24,442	3.82%
Central Bank of India	32,589	6,142	3,462	5,992	29,277	16.55%	9,036	5.77%
Indian Bank	14,151	37,276	4,546	8,426	38,455	9.85%	12,271	3.37%
Indian Overseas Bank	19,913	3,175	2,147	4,618	16,323	11.69%	4,578	3.58%
Punjab & Sind Bank	8,875	1,557	1,027	71	9,334	17.76%	2,462	4.04%
Punjab National Bank	73,479	60,626	13,805	15,877	1,04,423	14.12%	38,576	5.73%
State Bank of India	1,49,092	28,563	16,864	34,402	1,26,389	4.98%	36,810	1.50%
UCO Bank	19,282	3,102	1,622	9,410	11,352	9.59%	4,390	3.94%
Union Bank of India	49,085	65,550	7,864	16,983	89,788	13.74%	27,281	4.62%
Total (All PSU Banks)	5,46,590	2,78,711	74,685	1,34,000	6,16,616	—	1,96,451	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	66,671	14,255	8,900	17,967	54,059	6.61%	13,365	1.72%
Bank of India	56,535	8,834	9,440	10,324	45,605	9.98%	9,852	2.34%
Bank of Maharashtra	7,780	2,182	1,517	3,118	5,327	3.94%	1,277	0.97%
Canara Bank	60,288	19,315	15,455	8,496	55,652	7.51%	18,668	2.65%
Central Bank of India	29,277	4,718	4,603	1,236	28,156	14.84%	6,675	3.97%
Indian Bank	38,455	10,165	5,059	8,347	35,214	8.47%	8,849	2.27%
Indian Overseas Bank	16,323	5,132	2,388	3,769	15,298	9.82%	3,825	2.65%
Punjab & Sind Bank	9,334	2,065	1,700	1,134	8,565	12.17%	1,742	2.74%
Punjab National Bank	1,04,423	24,744	14,720	21,999	92,448	11.78%	34,909	4.80%
State Bank of India	1,26,389	26,776	21,437	19,705	1,12,023	3.97%	27,966	1.02%
UCO Bank	11,352	6,122	3,386	3,851	10,237	7.89%	3,316	2.70%
Union Bank of India	89,788	22,877	13,595	19,484	79,586	11.11%	24,303	3.68%
Total (All PSU Banks)	6,16,616	1,47,185	1,02,200	1,19,430	5,42,171	—	1,54,747	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	54,059	4,352	2,807	3,013	52,591	6.26%	12,653	1.58%
Bank of India	45,605	2,833	1,684	2,340	44,414	9.30%	9,775	2.21%
Bank of Maharashtra	5,327	730	388	410	5,259	3.74%	1,206	0.88%
Canara Bank	55,652	3,949	2,642	2,225	54,734	6.98%	18,505	2.48%
Central Bank of India	28,156	2,086	1,097	143	29,002	14.90%	6,785	3.93%
Indian Bank	35,214	3,089	1,578	2,152	34,573	8.13%	8,471	2.12%
Indian Overseas Bank	15,298	627	639	367	14,919	9.12%	3,698	2.43%
Punjab & Sind Bank	8,565	321	305	337	8,244	11.34%	1,692	2.56%
Punjab National Bank	92,448	6,468	5,288	3,461	90,167	11.27%	31,744	4.28%
State Bank of India	1,12,023	10,115	5,208	3,658	1,13,272	3.91%	28,258	1.00%
UCO Bank	10,237	556	459	594	9,740	7.42%	3,104	2.49%
Union Bank of India	79,586	4,245	2,683	6,648	74,500	10.22%	22,392	3.31%
Total (All PSU Banks)	5,42,171	39,371	24,778	25,348	5,31,416	—	1,48,283	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	52,591	4,465	5,403	5,279	46,374	5.31%	9,672	1.16%
Bank of India	44,414	1,294	1,811	1,883	42,014	8.51%	8,836	1.92%
Bank of Maharashtra	5,260	659	418	462	5,039	3.40%	986	0.68%
Canara Bank	54,734	3,948	3,399	2,798	52,485	6.37%	17,286	2.19%
Central Bank of India	29,002	886	1,233	9,596	19,059	9.67%	5,407	2.95%
Indian Bank	34,573	2,460	2,571	2,504	31,959	7.30%	6,174	1.50%
Indian Overseas Bank	14,919	1,555	460	1,287	14,727	8.53%	4,149	2.56%
Punjab & Sind Bank	8,244	379	478	1,017	7,128	9.67%	1,528	2.24%
Punjab National Bank	90,167	5,979	6,498	2,614	87,034	10.48%	29,348	3.80%
State Bank of India	1,13,272	2,441	5,207	3,702	1,06,804	3.52%	23,572	0.80%
UCO Bank	9,740	578	562	397	9,359	6.58%	2,700	1.99%
Union Bank of India	74,500	2,913	3,423	8,599	65,391	8.45%	19,193	2.64%
Total (All PSU Banks)	5,31,417	27,557	31,463	40,138	4,87,373	—	1,28,851	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	46,374	2,881	2,672	4,725	41,858	4.53%	8,854	0.99%
Bank of India	42,014	1,217	1,824	2,522	38,885	7.66%	7,647	1.61%
Bank of Maharashtra	5,039	579	419	587	4,612	2.94%	715	0.47%
Canara Bank	52,485	3,210	2,716	2,836	50,143	5.89%	15,982	1.96%
Central Bank of India	19,059	650	1,141	78	18,490	8.85%	4,061	2.09%
Indian Bank	31,959	1,313	2,020	1,768	29,484	6.53%	4,271	1.00%
Indian Overseas Bank	14,727	1,683	720	1,356	14,334	8.19%	4,000	2.43%
Punjab & Sind Bank	7,128	247	569	307	6,499	8.36%	1,469	2.02%
Punjab National Bank	87,034	4,072	3,148	4,375	83,583	9.76%	26,363	3.30%
State Bank of India	1,06,804	3,209	1,643	10,024	98,346	3.14%	23,484	0.77%
UCO Bank	9,359	491	543	801	8,506	5.63%	2,407	1.66%
Union Bank of India	65,391	2,567	2,939	1,249	63,770	7.93%	16,195	2.14%
Total (All PSU Banks)	4,87,373	22,119	20,354	30,628	4,58,510	—	1,15,448	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	41,858	2,744	2,903	4,935	36,764	3.79%	8,384	0.89%
Bank of India	38,885	2,625	1,915	1,909	37,686	7.31%	8,054	1.66%
Bank of Maharashtra	4,612	555	433	400	4,334	2.47%	435	0.25%
Canara Bank	50,143	2,973	2,639	4,317	46,160	5.35%	14,349	1.73%
Central Bank of India	18,490	1,328	990	442	18,386	8.44%	3,592	1.77%
Indian Bank	29,484	2,566	2,052	1,818	28,180	5.95%	4,044	0.90%
Indian Overseas Bank	14,334	607	466	403	14,072	7.44%	3,266	1.83%
Punjab & Sind Bank	6,499	454	795	510	5,648	6.97%	1,412	1.84%
Punjab National Bank	83,583	3,996	4,158	6,094	77,327	8.74%	22,585	2.72%
State Bank of India	98,346	3,459	4,200	6,677	90,928	2.78%	21,467	0.67%
UCO Bank	8,506	472	470	782	7,726	4.78%	2,018	1.29%
Union Bank of India	63,770	2,794	2,898	2,679	60,987	7.53%	12,928	1.70%
Total (All PSU Banks)	4,58,510	24,573	23,919	30,966	4,28,198	—	1,02,534	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	54,059	14,442	13,785	17,952	36,764	3.79%	8,384	0.89%
Bank of India	45,605	7,969	7,234	8,654	37,686	7.31%	8,054	1.66%
Bank of Maharashtra	5,327	2,523	1,658	1,859	4,333	2.47%	435	0.25%
Canara Bank	55,652	14,080	11,396	12,176	46,160	5.35%	14,349	1.73%
Central Bank of India	28,156	4,950	4,461	10,259	18,386	8.44%	3,592	1.77%
Indian Bank	35,214	9,428	8,221	8,242	28,180	5.95%	4,044	0.90%
Indian Overseas Bank	15,298	4,472	2,285	3,413	14,072	7.44%	3,266	1.83%
Punjab & Sind Bank	8,565	1,401	2,147	2,171	5,648	6.97%	1,412	1.84%
Punjab National Bank	92,448	20,515	19,092	16,544	77,327	8.74%	22,585	2.72%
State Bank of India	1,12,023	19,224	16,258	24,061	90,928	2.78%	21,467	0.67%
UCO Bank	10,237	2,097	2,034	2,574	7,726	4.78%	2,018	1.29%
Union Bank of India	79,586	12,519	11,943	19,175	60,987	7.53%	12,928	1.70%
Total (All PSU Banks)	5,42,171	1,13,620	1,00,514	1,27,080	4,28,197	—	1,02,534	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	36,764	2,761	1,963	2,730	34,832	3.51%	7,482	0.78%
Bank of India	37,686	2,549	1,821	3,831	34,583	6.67%	8,119	1.65%
Bank of Maharashtra	4,333	545	273	599	4,006	2.28%	414	0.24%
Canara Bank	46,160	3,428	1,927	1,934	45,727	5.15%	13,461	1.57%
Central Bank of India	18,386	1,237	876	7,856	10,891	4.95%	3,718	1.75%
Indian Bank	28,180	1,852	1,666	2,139	26,227	5.47%	3,198	0.70%
Indian Overseas Bank	14,072	547	392	597	13,630	7.13%	2,590	1.44%
Punjab & Sind Bank	5,648	452	307	329	5,464	6.80%	1,489	1.95%
Punjab National Bank	77,327	2,390	3,595	5,223	70,899	7.73%	17,129	1.98%
State Bank of India	90,928	7,872	3,607	3,865	91,328	2.76%	22,995	0.71%
UCO Bank	7,726	537	274	634	7,355	4.48%	1,877	1.18%
Union Bank of India	60,987	3,241	2,167	1,957	60,104	7.34%	12,138	1.58%
Total (All PSU Banks)	4,28,197	27,411	18,868	31,694	4,05,046	—	94,610	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	34,832	4,751	2,213	3,402	33,968	3.32%	7,597	0.76%
Bank of India	34,583	1,650	1,638	2,876	31,719	5.84%	7,978	1.54%
Bank of Maharashtra	4,006	594	324	259	4,017	2.19%	410	0.23%
Canara Bank	45,727	2,987	1,869	2,889	43,956	4.76%	12,554	1.41%
Central Bank of India	10,891	2,677	830	2,072	10,666	4.62%	3,664	1.64%
Indian Bank	26,227	1,982	1,415	2,306	24,488	4.97%	2,826	0.60%
Indian Overseas Bank	13,630	340	517	3,559	9,894	4.74%	1,364	0.68%
Punjab & Sind Bank	5,464	343	393	308	5,106	6.23%	1,473	1.88%
Punjab National Bank	70,899	1,826	3,497	3,665	65,563	6.96%	13,114	1.47%
State Bank of India	91,328	4,081	4,015	4,420	86,974	2.55%	21,352	0.64%
UCO Bank	7,355	578	322	672	6,939	4.14%	1,802	1.11%
Union Bank of India	60,104	2,632	2,706	6,018	54,012	6.38%	10,421	1.30%
Total (All PSU Banks)	4,05,046	24,441	19,739	32,446	3,77,302	—	84,555	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	33,968	2,618	1,767	2,501	32,318	3.08%	7,208	0.70%
Bank of India	31,719	1,313	1,334	1,461	30,237	5.35%	7,627	1.41%
Bank of Maharashtra	4,017	573	209	523	3,858	2.04%	405	0.22%
Canara Bank	43,956	3,176	1,474	3,936	41,722	4.39%	12,176	1.31%
Central Bank of India	10,666	750	588	42	10,786	4.50%	2,956	1.27%
Indian Bank	24,488	1,667	1,143	2,225	22,787	4.47%	2,579	0.53%
Indian Overseas Bank	9,894	412	374	1,491	8,441	3.90%	1,303	0.62%
Punjab & Sind Bank	5,106	240	587	0	4,759	5.70%	1,444	1.80%
Punjab National Bank	65,563	1,793	3,046	3,938	60,372	6.24%	8,816	0.96%
State Bank of India	86,974	5,046	1,798	3,473	86,749	2.42%	22,408	0.64%
UCO Bank	6,939	483	447	70	6,905	3.85%	1,700	0.98%
Union Bank of India	54,012	2,681	4,113	9,318	43,262	4.83%	9,351	1.08%
Total (All PSU Banks)	3,77,302	20,752	16,880	28,978	3,52,196	—	77,973	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	32,318	3,200	2,511	1,172	31,835	2.92%	7,213	0.68%
Bank of India	30,237	2,038	1,511	1,581	29,183	4.98%	6,845	1.22%
Bank of Maharashtra	3,858	574	278	321	3,833	1.88%	409	0.20%
Canara Bank	41,722	3,400	1,449	3,068	40,605	4.23%	1,182	1.27%
Central Bank of India	10,786	1,308	725	29	11,340	4.50%	3,002	1.23%
Indian Bank	22,787	1,268	898	2,051	21,106	3.95%	2,223	0.43%
Indian Overseas Bank	8,441	349	429	1,567	6,794	3.10%	1,217	0.57%
Punjab & Sind Bank	4,759	378	354	118	4,665	5.43%	1,350	1.63%
Punjab National Bank	60,372	2,206	2,788	3,447	56,343	5.73%	6,799	0.73%
State Bank of India	86,749	3,984	2,052	4,404	84,277	2.24%	21,051	0.57%
UCO Bank	6,905	476	357	561	6,463	3.46%	1,622	0.89%
Union Bank of India	43,262	3,323	2,516	971	43,098	4.76%	8,990	1.03%
Total (All PSU Banks)	3,52,196	22,504	15,868	19,290	3,39,542	—	61,903	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	36,764	13,330	8,454	9,805	31,835	2.92%	7,213	0.68%
Bank of India	37,686	7,550	6,304	9,749	29,183	4.98%	6,845	1.22%
Bank of Maharashtra	4,333	2,286	1,084	1,702	3,833	1.88%	409	0.20%
Canara Bank	46,160	12,991	6,719	11,827	40,605	4.23%	1,182	1.27%
Central Bank of India	18,386	5,972	3,019	9,999	11,340	4.50%	3,002	1.23%
Indian Bank	28,180	6,769	5,122	8,721	21,106	3.95%	2,223	0.43%
Indian Overseas Bank	14,072	1,648	1,712	7,214	6,794	3.10%	1,217	0.57%
Punjab & Sind Bank	5,648	1,413	1,641	755	4,665	5.43%	1,350	1.63%
Punjab National Bank	77,327	8,215	12,926	16,273	56,343	5.73%	6,799	0.73%
State Bank of India	90,928	20,983	11,472	16,162	84,277	2.24%	21,051	0.57%
UCO Bank	7,726	2,074	1,400	1,937	6,463	3.46%	1,622	0.89%
Union Bank of India	60,987	11,877	11,502	18,264	43,098	4.76%	8,990	1.03%
Total (All PSU Banks)	4,28,197	95,108	71,355	1,12,408	3,39,542	—	61,903	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	31,834	3,018	1,665	2,314	30,873	2.88%	7,232	0.69%
Bank of India	29,183	1,930	2,085	1,312	27,716	4.63%	5,702	0.99%
Bank of Maharashtra	3,833	596	213	343	3,873	1.85%	415	0.20%
Canara Bank	40,605	3,337	1,275	2,311	40,356	4.14%	11,702	1.24%
Central Bank of India	11,340	809	733	28	11,388	4.54%	1,771	0.73%
Indian Bank	21,106	1,956	1,290	1,470	20,302	3.77%	2,026	0.39%
Indian Overseas Bank	6,794	297	191	251	6,649	2.89%	1,154	0.51%
Punjab & Sind Bank	4,665	279	599	200	4,145	4.72%	1,350	1.59%
Punjab National Bank	56,343	1,755	1,720	5,115	51,263	4.98%	5,930	0.60%
State Bank of India	84,276	8,707	3,666	5,092	84,226	2.21%	21,555	0.57%
UCO Bank	6,463	479	221	301	6,420	3.32%	1,473	0.78%
Union Bank of India	43,098	2,318	1,807	2,186	41,423	4.54%	7,902	0.90%
Total (All PSU Banks)	3,39,540	25,481	15,465	20,923	3,28,634	—	68,212	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	30,873	3,110	1,840	3,592	28,551	2.50%	6,764	0.60%
Bank of India	27,716	2,546	1,769	1,037	27,456	4.41%	5,649	0.94%
Bank of Maharashtra	3,873	609	222	250	4,010	1.84%	433	0.20%
Canara Bank	40,356	2,345	1,847	3,121	37,733	3.73%	9,777	0.99%
Central Bank of India	11,388	913	655	42	11,604	4.59%	1,674	0.69%
Indian Bank	20,302	1,384	1,085	1,453	19,148	3.48%	1,445	0.27%
Indian Overseas Bank	6,649	291	321	370	6,249	2.72%	1,059	0.47%
Punjab & Sind Bank	4,145	266	224	352	3,835	4.21%	1,294	1.46%
Punjab National Bank	51,263	2,181	2,916	2,946	47,582	4.48%	4,674	0.46%
State Bank of India	84,226	4,951	3,208	2,600	83,369	2.13%	20,294	0.53%
UCO Bank	6,420	864	350	640	6,294	3.18%	1,406	0.73%
Union Bank of India	41,423	5,219	1,984	4,159	40,499	4.36%	8,759	0.98%
Total (All PSU Banks)	3,28,634	24,679	16,421	20,562	3,16,330	—	63,228	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	28,551	2,915	1,828	1,167	28,471	2.43%	6,825	0.59%
Bank of India	27,456	1,105	1,372	3,141	24,048	3.69%	5,410	0.85%
Bank of Maharashtra	4,010	624	226	284	4,124	1.80%	443	0.20%
Canara Bank	37,733	2,464	1,240	3,896	35,061	3.34%	9,081	0.89%
Central Bank of India	11,604	933	795	1,282	10,460	3.86%	1,555	0.59%
Indian Bank	19,148	1,016	823	1,133	18,208	3.26%	1,127	0.21%
Indian Overseas Bank	6,249	286	246	219	6,070	2.55%	976	0.42%
Punjab & Sind Bank	3,835	300	309	151	3,675	3.83%	1,169	1.25%
Punjab National Bank	47,582	1,774	1,974	1,969	45,413	4.09%	4,437	0.41%
State Bank of India	83,369	4,146	1,206	1,949	84,360	2.07%	21,378	0.53%
UCO Bank	6,294	418	309	321	6,082	2.91%	1,283	0.63%
Union Bank of India	40,499	1,969	1,855	4,059	36,554	3.85%	7,568	0.82%
Total (All PSU Banks)	3,16,330	17,950	12,183	19,571	3,02,526	—	61,252	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	28,471	3,159	1,943	1,852	27,835	2.26%	6,994	0.58%
Bank of India	24,048	2,008	2,040	2,267	21,749	3.27%	5,359	0.82%
Bank of Maharashtra	4,124	663	366	236	4,185	1.74%	432	0.18%
Canara Bank	35,061	2,702	1,211	5,022	31,530	2.94%	7,353	0.70%
Central Bank of India	10,460	1,454	702	1,987	9,225	3.18%	1,543	0.55%
Indian Bank	18,208	1,431	641	819	18,179	3.09%	1,110	0.19%
Indian Overseas Bank	6,070	2,753	433	3,042	5,348	2.14%	912	0.37%
Punjab & Sind Bank	3,675	305	188	422	3,370	3.38%	937	0.96%
Punjab National Bank	45,413	3,001	2,205	2,128	44,081	3.95%	4,291	0.40%
State Bank of India	84,360	4,319	1,739	10,060	76,880	1.82%	19,667	0.47%
UCO Bank	6,082	488	345	306	5,919	2.69%	1,068	0.50%
Union Bank of India	36,554	2,567	2,541	1,230	35,350	3.60%	5,969	0.63%
Total (All PSU Banks)	3,02,526	24,850	14,354	29,371	2,83,651	—	55,635	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	31,835	12,202	7,276	8,925	27,836	2.26%	6,994	0.58%
Bank of India	29,183	7,589	7,266	7,757	21,749	3.27%	5,359	0.82%
Bank of Maharashtra	3,833	2,492	1,027	1,113	4,185	1.74%	432	0.18%
Canara Bank	40,605	10,848	5,573	14,350	31,530	2.94%	7,353	0.70%
Central Bank of India	11,340	4,109	2,885	3,339	9,225	3.18%	1,543	0.55%
Indian Bank	21,106	5,787	3,839	4,875	18,179	3.09%	1,110	0.19%
Indian Overseas Bank	6,794	3,627	1,191	3,882	5,348	2.14%	912	0.37%
Punjab & Sind Bank	4,665	1,150	1,320	1,125	3,370	3.38%	937	0.96%
Punjab National Bank	56,343	8,711	8,815	12,158	44,081	3.95%	4,291	0.40%
State Bank of India	84,277	22,123	9,819	19,701	76,880	1.82%	19,667	0.47%
UCO Bank	6,463	2,249	1,225	1,568	5,919	2.69%	1,068	0.50%
Union Bank of India	43,098	12,073	8,187	11,634	35,350	3.60%	5,969	0.63%
Total (All PSU Banks)	3,39,542	92,960	58,423	90,427	2,83,652	—	55,635	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	27,836	3,686	1,560	2,390	27,572	2.28%	7,158	0.60%
Bank of India	21,749	2,149	1,799	2,459	19,640	2.92%	4,950	0.75%
Bank of Maharashtra	4,185	730	242	466	4,207	1.74%	434	0.18%
Canara Bank	31,530	2,166	1,063	3,115	29,518	2.69%	6,765	0.63%
Central Bank of India	9,225	990	713	864	8,638	3.13%	1,308	0.49%
Indian Bank	18,179	1,375	1,046	441	18,067	3.01%	1,036	0.18%
Indian Overseas Bank	5,348	280	211	238	5,179	1.97%	816	0.32%
Punjab & Sind Bank	3,370	204	209	26	3,339	3.34%	883	0.91%
Punjab National Bank	44,081	1,886	1,662	1,633	42,672	3.78%	4,132	0.38%
State Bank of India	76,880	8,398	3,253	3,986	78,039	1.83%	19,908	0.47%
UCO Bank	5,919	631	258	380	5,912	2.63%	998	0.45%
Union Bank of India	35,350	2,345	1,309	2,076	34,310	3.52%	5,874	0.62%
Total (All PSU Banks)	2,83,652	24,840	13,324	18,075	2,77,093	—	54,262	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	27,572	3,064	1,901	1,135	27,600	2.16%	7,141	0.57%
Bank of India	19,640	895	1,440	1,081	18,014	2.54%	4,530	0.65%
Bank of Maharashtra	4,207	712	427	120	4,372	1.72%	442	0.18%
Canara Bank	29,518	2,102	1,117	3,463	27,040	2.35%	6,113	0.54%
Central Bank of India	8,638	797	570	38	8,827	3.01%	1,364	0.48%
Indian Bank	18,067	1,156	894	2,194	16,135	2.60%	983	0.16%
Indian Overseas Bank	5,179	346	338	108	5,079	1.83%	776	0.28%
Punjab & Sind Bank	3,339	166	221	202	3,082	2.92%	854	0.83%
Punjab National Bank	42,672	1,955	2,716	1,568	40,343	3.45%	4,026	0.36%
State Bank of India	78,039	4,998	2,279	4,515	76,243	1.73%	18,460	0.42%
UCO Bank	5,912	629	272	374	5,895	2.56%	962	0.43%
Union Bank of India	34,310	2,152	2,176	2,201	32,085	3.29%	5,209	0.55%
Total (All PSU Banks)	2,77,093	18,972	14,351	16,999	2,64,715	—	50,860	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	27,600	2,982	1,757	1,426	27,399	2.04%	7,615	0.57%
Bank of India	18,014	1,140	1,159	1,281	16,714	2.26%	4,359	0.60%
Bank of Maharashtra	4,372	751	287	448	4,388	1.60%	412	0.15%
Canara Bank	27,040	1,899	595	3,511	24,833	2.08%	5,322	0.45%
Central Bank of India	8,827	710	406	405	8,726	2.70%	1,414	0.45%
Indian Bank	16,135	1,007	685	2,188	14,269	2.23%	968	0.15%
Indian Overseas Bank	5,079	290	238	601	4,530	1.54%	708	0.24%
Punjab & Sind Bank	3,082	172	169	214	2,871	2.60%	796	0.74%
Punjab National Bank	40,343	1,901	1,693	1,237	39,314	3.19%	3,834	0.32%
State Bank of India	76,243	4,860	2,371	5,095	73,637	1.57%	18,012	0.39%
UCO Bank	5,895	452	284	196	5,867	2.41%	853	0.36%
Union Bank of India	32,085	1,853	1,693	1,124	31,121	3.06%	5,102	0.51%
Total (All PSU Banks)	2,64,715	18,017	11,337	17,726	2,53,669	—	49,395	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	27,399	3,409	2,233	1,516	27,059	1.89%	6,316	0.45%
Bank of India	16,714	1,367	1,861	914	15,306	1.98%	4,250	0.56%
Bank of Maharashtra	4,388	841	344	639	4,246	1.45%	384	0.13%
Canara Bank	24,833	2,800	1,122	3,771	22,740	2.08%	5,209	0.45%
Central Bank of India	8,726	1,385	461	465	9,185	2.67%	1,666	0.49%
Indian Bank	14,269	1,395	600	1,874	13,190	1.98%	965	0.15%
Indian Overseas Bank	4,530	479	293	306	4,410	1.42%	638	0.21%
Punjab & Sind Bank	2,871	364	250	154	2,831	2.40%	919	0.79%
Punjab National Bank	39,314	2,758	1,690	3,258	37,124	2.95%	3,610	0.29%
State Bank of India	73,637	5,548	1,526	4,207	73,452	1.49%	18,830	0.39%
UCO Bank	5,867	484	333	328	5,690	2.17%	702	0.27%
Union Bank of India	31,121	2,102	1,655	1,167	30,401	2.82%	5,067	0.48%
Total (All PSU Banks)	2,53,669	22,932	12,368	18,599	2,45,634	—	48,556	—

Bank (₹ Crores)	Open	Add.	Rec.	W/Off	Close	GNPA%	NNPA	NNPA%
Bank of Baroda	27,836	13,141	7,451	6,467	27,059	1.89%	6,316	0.45%
Bank of India	21,749	5,551	6,259	5,735	15,306	1.98%	4,250	0.56%
Bank of Maharashtra	4,185	3,034	1,300	1,674	4,246	1.45%	384	0.13%
Canara Bank	31,530	8,967	3,897	13,860	22,740	2.08%	5,209	0.45%
Central Bank of India	9,225	3,882	2,150	1,772	9,185	2.67%	1,666	0.49%
Indian Bank	18,179	4,933	3,225	6,697	13,190	1.98%	965	0.15%
Indian Overseas Bank	5,348	1,395	1,080	1,254	4,410	1.42%	638	0.21%
Punjab & Sind Bank	3,370	906	849	596	2,831	2.40%	919	0.79%
Punjab National Bank	44,081	8,500	7,761	7,696	37,124	2.95%	3,610	0.29%
State Bank of India	76,880	23,804	9,429	17,803	73,452	1.49%	18,830	0.39%
UCO Bank	5,919	2,196	1,147	1,278	5,690	2.17%	702	0.27%
Union Bank of India	35,350	8,452	6,833	6,568	30,401	2.82%	5,067	0.48%
Total (All PSU Banks)	2,83,652	84,761	51,380	71,399	2,45,634	—	48,556	—

Balance Sheet

₹1,17,31,378 Cr

Total Assets

Base Year

₹99,00,765 Cr

Deposits

Base Year

₹67,70,361 Cr

Gross Advances

Base Year

₹63,47,417 Cr

Net Advances

Base Year

41.37%

CASA Ratio

Base Year

68.38%

CD Ratio

Base Year

₹5,18,140 Cr

Net Worth

Base Year

14.06%

Capital Adequacy

Base Year

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY21

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	36,81,277	11,06,332	9,66,997	10,10,875	9,23,805	6,27,114	5,38,071	3,29,973	2,40,288	1,74,006	2,05,919	96,108	99,00,765
CASA Ratio (%)	46.13%	45.49%	42.87%	34.33%	36.41%	41.27%	43.00%	49.07%	42.52%	53.99%	39.66%	32.81%	41.37%
CASA Deposits	16,46,974	4,92,782	3,68,027	3,30,656	3,35,592	2,24,669	2,27,595	1,61,926	1,02,165	93,945	79,922	31,530	40,95,783
Credit-Deposit Ratio (%)	68.98%	66.83%	77.72%	66.79%	70.76%	65.45%	72.54%	53.61%	58.10%	61.87%	57.50%	70.56%	68.38%
ADVANCES
Net Advances	24,49,498	6,74,230	7,06,301	6,39,049	5,90,983	3,65,687	3,62,669	1,56,579	1,27,721	1,02,405	1,11,355	60,942	63,47,417
Gross Advances	25,39,393	7,39,407	7,51,590	6,75,155	6,53,684	4,10,436	3,90,317	1,76,913	1,39,596	1,07,654	1,18,405	67,811	67,70,361
→ Retail	8,70,711	1,36,137	1,20,256	1,15,312	1,25,427	68,058	69,987	49,468	34,196	28,651	26,367	10,180	16,54,750
→ Agriculture	2,14,151	1,13,202	99,543	1,56,058	1,20,124	55,698	78,775	36,207	35,106	16,202	18,689	10,638	9,54,393
→ MSME	2,78,949	1,25,966	91,938	1,08,334	1,05,908	63,425	70,180	32,356	26,849	23,133	26,326	11,497	9,64,861
→ Corporate & Others	11,75,582	3,64,102	4,39,853	2,95,451	3,02,225	2,23,255	1,71,375	58,882	43,445	39,668	47,023	35,496	31,96,357

→ Retail (%)	34.29%	18.41%	16.00%	17.08%	19.19%	16.58%	17.93%	27.96%	24.50%	26.61%	22.27%	15.01%	24.44%
→ Agriculture (%)	8.43%	15.31%	13.24%	23.11%	18.38%	13.57%	20.18%	20.47%	25.15%	15.05%	15.78%	15.69%	14.10%
→ MSME (%)	10.98%	17.04%	12.23%	16.05%	16.20%	15.45%	17.98%	18.29%	19.23%	21.49%	22.23%	16.95%	14.25%
→ Corporate & Others (%)	46.29%	49.24%	58.52%	43.76%	46.23%	54.39%	43.91%	33.28%	31.12%	36.85%	39.71%	52.35%	47.21%
CAPITAL & SIZE
Equity Share Capital	892	2,096	1,036	1,647	6,407	3,278	1,129	5,876	16,437	6,560	9,918	4,053	59,328
Govt. Holding (%)	56.92%	76.87%	63.97%	69.33%	89.07%	89.10%	88.06%	89.78%	95.84%	93.33%	94.44%	97.07%	—
Net Worth	2,14,666	55,604	55,191	39,814	43,507	27,611	29,812	22,703	6,752	8,019	9,334	5,126	5,18,140
Total Assets	45,34,430	12,60,633	11,55,365	11,53,675	10,71,706	7,25,856	6,26,005	3,69,215	2,74,010	1,96,665	2,53,336	1,10,482	1,17,31,378
Capital Adequacy Ratio (%)	13.74%	14.32%	14.99%	13.18%	12.56%	14.93%	15.71%	14.81%	15.32%	14.49%	13.74%	17.06%	—

₹1,27,06,661 Cr

Total Assets

↑ 8.31% vs FY21

FY21₹1,17,31,378 Cr

₹1,07,17,362 Cr

Deposits

↑ 8.25% vs FY21

FY21₹99,00,765 Cr

₹74,33,006 Cr

Gross Advances

↑ 9.79% vs FY21

FY21₹67,70,361 Cr

₹70,43,940 Cr

Net Advances

↑ 10.97% vs FY21

FY21₹63,47,417 Cr

41.84%

CASA Ratio

↑ 1.13% vs FY21

FY2141.37%

69.35%

CD Ratio

↑ 1.42% vs FY21

FY2168.38%

₹5,95,874 Cr

Net Worth

↑ 15.00% vs FY21

FY21₹5,18,140 Cr

14.68%

Capital Adequacy

↑ 4.44% vs FY21

FY2114.06%

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY22

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	40,51,534	11,46,218	10,45,939	10,86,409	10,32,393	6,27,896	5,93,618	3,42,692	2,62,159	2,02,294	2,24,073	1,02,137	1,07,17,362
CASA Ratio (%)	45.28%	47.43%	44.24%	35.88%	36.55%	45.02%	42.41%	50.33%	43.44%	57.85%	40.26%	33.81%	41.84%
CASA Deposits	17,75,084	5,33,654	4,10,123	3,68,732	3,77,193	2,45,464	2,47,926	1,72,480	1,13,877	1,17,036	87,661	34,528	44,83,758
Credit-Deposit Ratio (%)	69.57%	68.50%	78.22%	68.22%	69.39%	72.78%	70.02%	55.36%	59.43%	66.85%	57.92%	68.91%	69.35%
ADVANCES
Net Advances	27,33,967	7,28,186	7,77,155	7,03,602	6,61,005	4,20,842	3,89,186	1,68,174	1,44,244	1,31,170	1,22,784	63,627	70,43,940
Gross Advances	28,18,671	7,85,104	8,18,120	7,41,147	7,16,408	4,57,014	4,15,625	1,89,712	1,55,801	1,35,240	1,29,777	70,387	74,33,006
→ Retail	10,02,303	1,39,593	1,40,399	1,26,277	1,36,273	80,674	80,433	52,226	36,961	35,422	29,305	11,737	18,71,603
→ Agriculture	2,28,229	1,24,286	1,09,796	1,75,955	1,33,092	66,431	88,100	38,635	38,577	18,968	18,835	10,934	10,51,838
→ MSME	3,05,517	1,25,032	96,863	1,19,026	1,10,577	64,750	74,167	34,139	29,494	26,279	24,430	13,021	10,23,295
→ Corporate & Others	12,82,622	3,96,193	4,71,062	3,19,889	3,36,466	2,45,159	1,72,925	64,712	50,769	54,571	57,207	34,695	34,86,270

→ Retail (%)	35.56%	17.78%	17.16%	17.04%	19.02%	17.65%	19.35%	27.53%	23.72%	26.19%	22.58%	16.67%	25.18%
→ Agriculture (%)	8.10%	15.83%	13.42%	23.74%	18.58%	14.54%	21.20%	20.37%	24.76%	14.03%	14.51%	15.53%	14.15%
→ MSME (%)	10.84%	15.93%	11.84%	16.06%	15.43%	14.17%	17.84%	18.00%	18.93%	19.43%	18.82%	18.50%	13.77%
→ Corporate & Others (%)	45.50%	50.46%	57.58%	43.16%	46.97%	53.64%	41.61%	34.11%	32.59%	40.35%	44.08%	49.29%	46.90%
CAPITAL & SIZE
Equity Share Capital	892	2,202	1,036	1,814	6,835	4,104	1,245	8,681	18,902	6,730	11,956	6,778	71,176
Govt. Holding (%)	56.92%	73.15%	63.97%	62.93%	83.49%	81.41%	79.86%	93.08%	96.38%	90.97%	95.39%	98.25%	—
Net Worth	2,40,502	60,310	61,299	48,692	51,765	36,933	33,625	23,802	12,356	10,512	11,025	5,052	5,95,874
Total Assets	49,87,597	13,14,805	12,78,000	12,26,980	11,87,591	7,34,614	6,71,668	3,86,566	2,99,377	2,30,611	2,67,784	1,21,068	1,27,06,661
Capital Adequacy Ratio (%)	13.83%	14.50%	15.98%	14.90%	14.52%	16.51%	16.53%	13.84%	13.83%	16.85%	13.74%	18.54%	—

₹1,40,14,793 Cr

Total Assets

↑ 10.29% vs FY22

FY22₹1,27,06,661 Cr

₹1,17,09,581 Cr

Deposits

↑ 9.26% vs FY22

FY22₹1,07,17,362 Cr

₹86,10,115 Cr

Gross Advances

↑ 15.84% vs FY22

FY22₹74,33,006 Cr

₹82,83,763 Cr

Net Advances

↑ 17.60% vs FY22

FY22₹70,43,940 Cr

39.83%

CASA Ratio

↓ 4.79% vs FY22

FY2241.84%

73.53%

CD Ratio

↑ 6.02% vs FY22

FY2269.35%

₹6,96,365 Cr

Net Worth

↑ 16.86% vs FY22

FY22₹5,95,874 Cr

15.57%

Capital Adequacy

↑ 6.09% vs FY22

FY2214.68%

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY23

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	44,23,778	12,81,163	12,03,688	11,79,219	11,17,716	6,69,586	6,21,166	3,59,296	2,60,883	2,34,083	2,49,338	1,09,665	1,17,09,581
CASA Ratio (%)	43.80%	42.98%	42.25%	33.48%	35.63%	44.73%	42.89%	50.18%	43.74%	53.38%	37.82%	33.59%	39.83%
CASA Deposits	18,62,904	5,38,015	4,42,511	3,66,472	3,94,055	2,52,149	2,60,809	1,80,312	1,14,113	1,24,961	91,054	36,833	46,64,188
Credit-Deposit Ratio (%)	73.90%	69.05%	80.55%	73.17%	72.46%	77.04%	76.24%	60.61%	72.45%	74.81%	64.82%	73.84%	73.53%
ADVANCES
Net Advances	31,99,269	8,30,834	9,40,998	8,30,673	7,61,845	4,85,900	4,49,297	2,02,984	1,78,053	1,71,221	1,55,870	76,819	82,83,763
Gross Advances	32,69,242	8,84,681	9,69,548	8,62,782	8,09,905	5,15,852	4,73,586	2,17,779	1,89,009	1,75,120	1,61,629	80,982	86,10,115
→ Retail	11,79,152	1,97,698	1,78,037	1,40,051	1,59,702	94,381	91,086	62,726	42,400	43,433	35,039	13,946	22,37,651
→ Agriculture	2,58,612	1,42,105	1,24,247	2,13,327	1,51,993	72,379	1,01,937	42,110	43,988	23,400	21,775	11,788	12,07,661
→ MSME	3,59,270	1,30,178	1,08,196	1,23,627	1,25,022	70,777	79,656	39,899	34,856	33,244	28,815	14,857	11,48,397
→ Corporate & Others	14,72,208	4,14,700	5,59,068	3,85,777	3,73,188	2,78,315	2,00,907	73,044	67,765	75,043	76,000	40,391	40,16,406

→ Retail (%)	36.07%	22.35%	18.36%	16.23%	19.72%	18.30%	19.23%	28.80%	22.43%	24.80%	21.68%	17.22%	25.99%
→ Agriculture (%)	7.91%	16.06%	12.81%	24.73%	18.77%	14.03%	21.52%	19.34%	23.27%	13.36%	13.47%	14.56%	14.03%
→ MSME (%)	10.99%	14.71%	11.16%	14.33%	15.44%	13.72%	16.82%	18.32%	18.44%	18.98%	17.83%	18.35%	13.34%
→ Corporate & Others (%)	45.03%	46.88%	57.66%	44.71%	46.08%	53.95%	42.42%	33.54%	35.85%	42.85%	47.02%	49.88%	46.65%
CAPITAL & SIZE
Equity Share Capital	892	2,202	1,036	1,814	6,835	4,104	1,245	8,681	18,902	6,730	11,956	6,778	71,176
Govt. Holding (%)	56.92%	73.15%	63.97%	62.93%	83.49%	81.41%	79.86%	93.08%	96.38%	90.97%	95.39%	98.25%	—
Net Worth	2,76,563	66,838	76,951	60,195	63,599	41,127	37,431	25,449	14,643	12,765	14,015	6,786	6,96,365
Total Assets	55,16,979	14,61,831	14,58,562	13,45,732	12,80,752	8,15,556	7,10,501	4,06,165	3,13,746	2,67,651	3,00,863	1,36,455	1,40,14,793
Capital Adequacy Ratio (%)	14.68%	15.50%	16.24%	16.68%	16.04%	16.28%	16.49%	14.12%	16.10%	18.14%	16.51%	17.10%	—

₹1,52,79,156 Cr

Total Assets

↑ 9.02% vs FY23

FY23₹1,40,14,793 Cr

₹1,28,96,766 Cr

Deposits

↑ 10.14% vs FY23

FY23₹1,17,09,581 Cr

₹97,73,488 Cr

Gross Advances

↑ 13.51% vs FY23

FY23₹86,10,115 Cr

₹95,10,329 Cr

Net Advances

↑ 14.81% vs FY23

FY23₹82,83,763 Cr

38.08%

CASA Ratio

↓ 4.40% vs FY23

FY2339.83%

75.78%

CD Ratio

↑ 3.06% vs FY23

FY2373.53%

₹8,42,596 Cr

Net Worth

↑ 21.00% vs FY23

FY23₹6,96,365 Cr

15.49%

Capital Adequacy

↓ 0.51% vs FY23

FY2315.57%

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY24

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	49,16,077	13,69,713	13,26,958	13,12,367	12,21,528	7,37,920	6,88,000	3,85,011	2,85,905	2,70,747	2,63,130	1,19,410	1,28,96,766
CASA Ratio (%)	41.11%	41.44%	41.33%	32.29%	34.20%	43.21%	42.38%	49.86%	43.90%	52.73%	39.25%	32.42%	38.08%
CASA Deposits	19,41,996	5,52,499	4,66,400	3,92,327	4,10,134	2,69,872	2,80,487	1,91,969	1,25,508	1,42,774	98,120	38,708	49,10,794
Credit-Deposit Ratio (%)	76.64%	71.79%	82.18%	73.20%	74.08%	79.36%	77.58%	65.39%	76.61%	75.22%	71.02%	71.99%	75.78%
ADVANCES
Net Advances	37,03,971	9,34,431	10,65,782	9,31,613	8,74,776	5,63,145	5,14,889	2,43,406	2,13,319	2,00,240	1,82,021	82,736	95,10,329
Gross Advances	37,67,535	9,83,325	10,90,506	9,60,602	9,04,884	5,85,595	5,33,773	2,51,745	2,19,018	2,03,664	1,86,877	85,964	97,73,488
→ Retail	13,52,265	2,22,574	2,14,942	1,56,414	1,77,488	1,11,484	1,04,735	71,193	48,514	51,727	40,161	16,034	25,67,531
→ Agriculture	3,04,944	1,58,188	1,38,640	2,53,206	1,83,833	84,555	1,21,062	46,063	55,636	30,456	24,641	12,524	14,13,748
→ MSME	4,33,037	1,39,288	1,19,415	1,29,217	1,21,657	76,559	84,121	49,870	41,552	42,117	32,714	15,909	12,85,456
→ Corporate & Others	16,77,289	4,63,275	6,17,509	4,21,765	4,21,906	3,12,997	2,23,855	84,619	73,316	79,364	89,361	41,497	45,06,753

→ Retail (%)	35.89%	22.63%	19.71%	16.28%	19.61%	19.04%	19.62%	28.28%	22.15%	25.40%	21.49%	18.65%	26.27%
→ Agriculture (%)	8.09%	16.09%	12.71%	26.36%	20.32%	14.44%	22.68%	18.30%	25.40%	14.95%	13.19%	14.57%	14.47%
→ MSME (%)	11.49%	14.17%	10.95%	13.45%	13.44%	13.07%	15.76%	19.81%	18.97%	20.68%	17.51%	18.51%	13.15%
→ Corporate & Others (%)	44.52%	47.11%	56.63%	43.91%	46.63%	53.45%	41.94%	33.61%	33.47%	38.97%	47.82%	48.27%	46.11%
CAPITAL & SIZE
Equity Share Capital	892	2,202	1,036	1,814	7,634	4,553	1,347	8,681	18,902	7,081	11,956	6,778	72,877
Govt. Holding (%)	56.92%	73.15%	63.97%	62.93%	74.76%	73.38%	73.84%	93.08%	96.38%	86.46%	95.39%	98.25%	—
Net Worth	3,24,715	74,600	93,851	71,829	87,601	55,118	47,491	28,053	18,069	17,178	16,254	7,836	8,42,596
Total Assets	59,65,616	15,61,835	15,85,797	14,91,541	13,91,958	9,12,598	7,92,619	4,46,673	3,52,034	3,07,138	3,23,691	1,47,657	1,52,79,156
Capital Adequacy Ratio (%)	14.28%	15.97%	16.31%	16.28%	16.97%	14.93%	16.44%	15.08%	17.28%	17.38%	16.98%	17.16%	—

₹1,71,41,751 Cr

Total Assets

↑ 12.19% vs FY24

FY24₹1,52,79,156 Cr

₹1,41,31,747 Cr

Deposits

↑ 9.58% vs FY24

FY24₹1,28,96,766 Cr

₹1,09,77,761 Cr

Gross Advances

↑ 12.32% vs FY24

FY24₹97,73,488 Cr

₹1,07,50,234 Cr

Net Advances

↑ 13.04% vs FY24

FY24₹95,10,329 Cr

36.63%

CASA Ratio

↓ 3.81% vs FY24

FY2438.08%

77.53%

CD Ratio

↑ 2.31% vs FY24

FY2475.78%

₹10,31,325 Cr

Net Worth

↑ 22.40% vs FY24

FY24₹8,42,596 Cr

16.24%

Capital Adequacy

↑ 4.83% vs FY24

FY2415.49%

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY25

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	53,82,190	15,66,623	14,72,035	14,29,862	12,72,247	8,16,541	7,37,154	4,12,697	3,11,939	3,07,143	2,93,542	1,29,774	1,41,31,747
CASA Ratio (%)	39.97%	37.95%	39.97%	31.17%	33.52%	40.28%	40.24%	48.75%	43.65%	53.28%	37.91%	31.43%	36.70%
CASA Deposits	20,65,161	5,73,543	4,96,462	4,14,976	4,26,325	2,80,283	2,82,854	2,01,173	1,36,161	1,63,657	1,04,705	40,790	51,86,090
Credit-Deposit Ratio (%)	78.42%	71.28%	83.59%	73.67%	77.26%	81.57%	79.79%	70.29%	80.15%	78.09%	74.94%	76.75%	77.53%
ADVANCES
Net Advances	41,63,312	10,77,475	12,09,558	10,49,155	9,53,513	6,49,657	5,71,071	2,82,420	2,45,555	2,36,084	2,15,135	97,300	1,07,50,234
Gross Advances	42,20,703	11,16,637	12,30,461	10,73,332	9,82,894	6,66,047	5,88,140	2,90,101	2,50,019	2,39,837	2,19,985	99,605	1,09,77,761
→ Retail	15,06,477	2,59,363	2,56,633	2,23,366	2,16,777	1,33,699	1,19,097	82,383	62,764	64,853	54,255	22,070	30,01,737
→ Agriculture	3,48,524	1,80,625	1,58,324	2,46,904	1,78,479	98,338	1,37,627	52,456	74,545	35,547	29,575	13,456	15,54,400
→ MSME	5,06,027	1,62,693	1,38,190	1,39,857	1,36,423	90,639	94,152	59,243	44,310	48,369	38,783	19,406	14,78,092
→ Corporate & Others	18,59,675	5,13,956	6,77,314	4,63,205	4,51,215	3,43,371	2,37,264	96,019	68,400	91,068	97,372	44,673	49,43,532

→ Retail (%)	35.69%	23.23%	20.86%	20.81%	22.05%	20.07%	20.25%	28.40%	25.10%	27.04%	24.66%	22.16%	27.34%
→ Agriculture (%)	8.26%	16.18%	12.87%	23.00%	18.16%	14.76%	23.40%	18.08%	29.82%	14.82%	13.44%	13.51%	14.16%
→ MSME (%)	11.99%	14.57%	11.23%	13.03%	13.88%	13.61%	16.01%	20.42%	17.72%	20.17%	17.63%	19.48%	13.46%
→ Corporate & Others (%)	44.06%	46.03%	55.05%	43.16%	45.91%	51.55%	40.34%	33.10%	27.36%	37.97%	44.26%	44.85%	45.03%
CAPITAL & SIZE
Equity Share Capital	892	2,299	1,036	1,814	7,634	4,553	1,347	9,051	19,257	7,692	12,540	7,096	75,209
Govt. Holding (%)	56.92%	70.08%	63.97%	62.93%	74.76%	73.38%	73.84%	89.27%	94.61%	79.60%	90.95%	93.85%	—
Net Worth	3,89,071	97,498	1,15,457	88,241	1,04,562	66,059	57,029	32,575	22,898	25,881	21,107	10,946	10,31,325
Total Assets	66,76,053	18,18,171	17,81,247	16,82,850	14,99,856	10,42,582	8,73,411	4,79,128	3,95,015	3,69,142	3,62,481	1,61,815	1,71,41,751
Capital Adequacy Ratio (%)	14.25%	17.01%	17.19%	16.33%	18.02%	17.77%	17.94%	17.02%	19.74%	20.53%	18.49%	17.41%	—

₹1,92,47,301 Cr

Total Assets

↑ 12.28% vs FY25

FY25₹1,71,41,751 Cr

₹1,56,25,892 Cr

Deposits

↑ 10.57% vs FY25

FY25₹1,41,31,747 Cr

₹1,27,03,209 Cr

Gross Advances

↑ 15.72% vs FY25

FY25₹1,09,77,761 Cr

₹1,25,06,197 Cr

Net Advances

↑ 16.33% vs FY25

FY25₹1,07,50,234 Cr

36.08%

CASA Ratio

↓ 1.33% vs FY25

FY2536.63%

81.30%

CD Ratio

↑ 4.04% vs FY25

FY2577.53%

₹12,13,013 Cr

Net Worth

↑ 17.62% vs FY25

FY25₹10,31,325 Cr

15.50%

Capital Adequacy

↑ 3.70% vs FY25

FY2516.24%

Deposits & Gross Advances by Bank

Deposits

Gross Advances

Net Advances &edit-Deposit Ratio by Bank

Net Advances

Credit-Deposit Ratio (%)

CASA Ratio & CASA Deposits by Bank

CASA Ratio (%)

CASA Deposits

Total Assets & Net Worth by Bank

Total Assets

Net Worth

Balance Sheet Metrics

All absolute figures in ₹ Crores · Ratios in % · Period: FY26

Metric	SBI	PNB	BOB	CBK	Union	BOI	INBK	CBI	IOB	BOM	UCO	PJSB	Total PSUs
DEPOSITS
Deposits	59,75,642	17,11,126	16,48,487	15,68,678	13,06,891	9,27,271	8,27,726	4,67,922	3,68,191	3,50,564	3,27,563	1,45,829	1,56,25,892
CASA Ratio (%)	39.46%	36.97%	38.90%	29.84%	35.22%	37.64%	39.73%	47.18%	40.99%	52.51%	38.65%	30.77%	36.08%
CASA Deposits	22,62,011	6,09,615	5,45,034	4,28,804	4,60,077	3,00,765	3,13,548	2,20,781	1,50,936	1,84,088	1,17,752	44,876	56,38,287
Credit-Deposit Ratio (%)	82.15%	74.16%	86.95%	78.38%	83.16%	83.44%	80.77%	71.80%	84.45%	85.03%	78.56%	79.23%	81.16%
ADVANCES
Net Advances	48,77,895	12,25,292	14,09,094	12,20,017	10,53,277	7,60,335	6,54,888	3,36,997	3,06,622	2,88,104	2,57,763	1,15,912	1,25,06,197
Gross Advances	49,32,627	12,58,559	14,29,879	12,37,548	10,78,611	7,71,391	6,67,113	3,44,516	3,10,423	2,91,967	2,62,752	1,17,823	1,27,03,209
→ Retail	16,63,759	2,81,988	2,85,786	2,73,395	2,45,541	1,54,207	1,36,192	96,652	83,838	83,418	64,159	24,730	33,93,665
→ Agriculture	3,92,139	1,91,629	1,79,805	2,70,010	1,75,294	1,10,844	1,49,496	59,176	92,996	36,770	34,954	16,030	17,09,143
→ MSME	6,00,714	1,88,209	1,53,415	1,60,636	1,56,203	1,03,191	1,04,771	67,338	50,635	51,197	44,806	22,608	17,03,723
→ Corporate & Others	21,67,530	5,82,834	7,76,432	5,07,028	4,80,127	3,87,064	2,62,987	1,09,945	65,409	1,12,351	1,10,428	48,546	56,10,681

→ Retail (%)	35.19%	22.31%	21.16%	23.99%	23.46%	21.00%	21.20%	30.05%	29.34%	29.41%	26.15%	23.34%	27.94%
→ Agriculture (%)	8.46%	15.88%	13.36%	22.28%	17.00%	14.99%	22.96%	17.91%	33.45%	13.77%	14.21%	14.10%	14.14%
→ MSME (%)	12.41%	15.50%	11.17%	12.75%	15.02%	13.83%	16.43%	20.13%	16.14%	18.34%	17.62%	21.36%	13.76%
→ Corporate & Others (%)	43.94%	46.31%	54.30%	40.97%	44.51%	50.18%	39.42%	31.91%	21.07%	38.48%	42.03%	41.20%	44.17%
CAPITAL & SIZE
Equity Share Capital	923	2,299	1,036	1,814	7,634	4,553	1,347	9,051	19,257	7,692	12,540	7,096	75,240
Govt. Holding (%)	55.03%	70.08%	63.97%	62.93%	74.76%	73.38%	73.84%	89.27%	92.44%	73.60%	90.95%	93.85%	—
Net Worth	4,72,894	1,18,317	1,30,177	1,03,454	1,17,871	75,278	65,628	34,600	28,114	30,272	24,462	11,945	12,13,013
Total Assets	76,23,012	19,85,892	20,09,164	18,83,202	15,69,355	11,63,433	9,87,953	5,49,480	4,73,320	4,27,363	3,95,858	1,79,270	1,92,47,301
Capital Adequacy Ratio (%)	15.40%	17.74%	15.82%	17.04%	18.10%	18.01%	17.93%	17.91%	19.78%	18.36%	18.61%	17.42%	—

Efficiency & Capital

86,453

Total Branches

Base Year

₹0.37 Cr

PAT per Branch

Base Year

₹99,00,765 Cr

Deposits per Branch

Base Year

₹78 Cr

Advances per Branch

Base Year

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

84,342

Total Branches

↓ 2.44% vs FY21

FY2186,453

₹0.83 Cr

PAT per Branch

↑ 124.32% vs FY21

FY21₹0.37 Cr

₹1,07,17,362 Cr

Deposits per Branch

↑ 8.25% vs FY21

FY21₹99,00,765 Cr

₹88 Cr

Advances per Branch

↑ 12.82% vs FY21

FY21₹78 Cr

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

84,569

Total Branches

↑ 0.27% vs FY22

FY2284,342

₹1.24 Cr

PAT per Branch

↑ 49.40% vs FY22

FY22₹0.83 Cr

₹1,17,09,581 Cr

Deposits per Branch

↑ 9.26% vs FY22

FY22₹1,07,17,362 Cr

₹102 Cr

Advances per Branch

↑ 15.91% vs FY22

FY22₹88 Cr

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

85,035

Total Branches

↑ 0.55% vs FY23

FY2384,569

₹1.66 Cr

PAT per Branch

↑ 33.87% vs FY23

FY23₹1.24 Cr

₹1,28,96,766 Cr

Deposits per Branch

↑ 10.14% vs FY23

FY23₹1,17,09,581 Cr

₹115 Cr

Advances per Branch

↑ 12.75% vs FY23

FY23₹102 Cr

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

86,643

Total Branches

↑ 1.89% vs FY24

FY2485,035

₹2.06 Cr

PAT per Branch

↑ 24.10% vs FY24

FY24₹1.66 Cr

₹1,41,31,747 Cr

Deposits per Branch

↑ 9.58% vs FY24

FY24₹1,28,96,766 Cr

₹127 Cr

Advances per Branch

↑ 10.43% vs FY24

FY24₹115 Cr

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

89,404

Total Branches

↑ 2.18% vs FY25

FY2586,643

₹2.22 Cr

PAT per Branch

↓ 18.93% vs FY25

FY25₹2.06 Cr

₹175 Cr

Deposits per Branch

↑ 10.57% vs FY25

FY25₹1,41,31,747 Cr

₹142 Cr

Advances per Branch

↑ 8.66% vs FY25

FY25₹127 Cr

NIM & Cost Efficiency by Bank

Net Interest Margin (%)

Cost-to-Income Ratio (%)

Return Ratios by Bank

Return on Equity (%)

Return on Assets (%)

Yield on Advances & Cost of Deposits

Rates & Spread Analysis

8.04%

Avg. Yield on Advances

↓ 12 bps vs Q2FY26

4.92%

Avg. Cost of Deposits

↑ 10.57% vs FY25

3.12%

Spread (YoA − CoD)

↓ 1 bps vs Q2FY26

Trend

Yield on Advances & Cost of Deposits by Bank · Q4FY26

Yield on Advances (%)

Cost of Deposits (%)

Quarterly Yield on Advances & Cost of Deposits

All figures in % · Q1FY23 → Q4FY26

Bank	Q1FY23	Q2FY23	Q3FY23	Q4FY23	Q1FY24	Q2FY24	Q3FY24	Q4FY24	Q1FY25	Q2FY25	Q3FY25	Q4FY25	Q1FY26	Q2FY26	Q3FY26	Q4FY26
Cost of Deposits (%)
Bank of Baroda	3.46%	3.59%	4.01%	4.43%	4.68%	4.92%	4.96%	5.06%	5.06%	5.12%	5.08%	5.12%	5.05%	4.91%	4.75%	4.78%
Bank of India	3.49%	3.54%	3.72%	3.91%	4.22%	4.49%	4.62%	4.71%	4.82%	4.95%	4.96%	4.98%	4.85%	4.85%	4.77%	4.73%
Bank of Maharashtra	3.46%	3.54%	3.81%	3.95%	4.06%	4.29%	4.43%	4.56%	4.48%	4.66%	4.75%	4.74%	4.59%	4.67%	4.47%	4.33%
Canara Bank	3.99%	4.09%	4.19%	4.38%	5.22%	5.35%	5.42%	5.50%	5.70%	5.70%	5.70%	5.73%	5.73%	5.65%	5.62%	5.54%
Central Bank of India	3.85%	3.89%	3.98%	4.09%	4.38%	4.60%	4.72%	4.73%	4.66%	4.71%	4.77%	4.90%	4.93%	4.88%	4.75%	4.69%
Indian Bank	3.85%	4.02%	4.19%	4.33%	4.60%	4.89%	4.99%	5.01%	5.05%	5.13%	5.18%	5.10%	5.14%	5.01%	4.93%	4.83%
Indian Overseas Bank	4.04%	4.11%	4.10%	4.27%	4.38%	4.69%	4.82%	4.88%	4.95%	5.15%	5.08%	5.17%	5.10%	5.05%	4.92%	4.79%
Punjab & Sind Bank	4.16%	4.39%	4.66%	4.90%	5.24%	5.60%	5.63%	5.71%	5.64%	5.74%	5.84%	5.74%	5.66%	5.62%	5.47%	5.34%
Punjab National Bank	3.79%	3.90%	4.15%	4.54%	4.72%	4.86%	4.96%	5.09%	5.10%	5.18%	5.24%	5.36%	5.33%	5.18%	5.09%	5.05%
State Bank of India	3.80%	3.84%	3.90%	3.99%	4.55%	4.65%	4.75%	4.81%	5.00%	5.03%	5.07%	5.11%	5.21%	5.13%	5.07%	5.04%
UCO Bank	3.78%	3.95%	4.12%	4.36%	4.61%	4.77%	4.91%	4.82%	4.79%	4.88%	4.90%	4.90%	4.84%	4.73%	4.66%	4.65%
Union Bank of India	4.03%	4.23%	4.38%	4.81%	4.97%	5.21%	5.27%	5.42%	5.37%	5.56%	5.56%	5.61%	5.53%	5.48%	5.31%	5.23%
Yield on Advances (%)
Bank of Baroda	6.58%	7.22%	7.78%	8.47%	8.40%	8.43%	8.51%	8.75%	8.55%	8.48%	8.35%	8.21%	8.09%	7.81%	7.56%	7.44%
Bank of India	6.58%	7.21%	7.67%	7.95%	8.10%	8.54%	8.37%	8.47%	8.60%	8.45%	8.55%	8.27%	8.01%	7.81%	7.81%	7.59%
Bank of Maharashtra	7.43%	7.81%	8.28%	8.49%	8.62%	8.93%	9.01%	9.14%	8.96%	9.21%	9.27%	9.30%	9.28%	9.19%	8.92%	8.72%
Canara Bank	7.03%	7.24%	7.45%	7.70%	8.43%	8.56%	8.60%	8.71%	8.66%	8.77%	8.79%	8.83%	8.47%	8.40%	8.34%	8.29%
Central Bank of India	6.34%	7.37%	7.95%	8.65%	8.29%	8.62%	8.94%	8.91%	8.72%	8.84%	8.93%	8.66%	8.58%	8.36%	8.15%	7.78%
Indian Bank	7.16%	7.48%	8.19%	8.17%	8.53%	8.75%	8.78%	8.80%	8.69%	8.77%	8.92%	8.64%	8.58%	8.40%	8.31%	8.07%
Indian Overseas Bank	7.34%	7.83%	8.43%	8.52%	8.52%	8.78%	8.88%	8.88%	8.75%	8.97%	9.02%	8.78%	8.92%	8.94%	8.83%	8.71%
Punjab & Sind Bank	7.02%	7.67%	8.12%	7.85%	8.45%	8.62%	8.91%	8.67%	8.70%	8.75%	9.14%	9.69%	8.47%	8.62%	8.39%	8.05%
Punjab National Bank	6.49%	6.91%	7.23%	7.94%	8.05%	8.15%	8.45%	8.44%	8.33%	8.31%	8.38%	8.36%	8.14%	7.90%	7.80%	7.51%
State Bank of India	7.43%	7.66%	7.87%	8.10%	8.78%	8.86%	8.88%	8.91%	8.83%	8.87%	8.94%	8.98%	8.78%	8.68%	8.61%	8.50%
UCO Bank	6.77%	7.17%	7.82%	7.99%	8.24%	8.38%	8.48%	8.72%	8.46%	8.65%	8.70%	8.50%	8.26%	8.06%	8.06%	7.82%
Union Bank of India	7.14%	7.65%	7.84%	8.03%	8.43%	8.81%	8.75%	8.87%	8.72%	8.70%	8.78%	8.72%	8.50%	8.34%	8.27%	7.98%

Financials

Select a BankClick any bank to view individual financials

SBI

State Bank of India

PNB

Punjab National Bank

BOB

Bank of Baroda

CBK

Canara Bank

UBI

Union Bank of India

BOI

Bank of India

Indian Bank

CBI

Central Bank of India

IOB

Indian Overseas Bank

BOM

Bank of Maharashtra

UCO

UCO Bank

PSB

Punjab & Sind Bank

SBI

State Bank of India

NSE: SBIN · Individual Quarterly Financials · Figures in ₹ Crores

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₹60,348 Cr

Net Profit · FY26

2.95%

NIM · FY26

1.57%

GNPA % · FY26

0.39%

NNPA % · FY26

20.68%

ROE · FY26

1.16%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	3,50,004	89,370	2,60,634	89,014	1,71,620	86,183	85,438	3,29,558	85,710	2,43,848	83,627	1,60,221	81,529	78,693	2,88,038	77,134	2,10,904	73,517	1,37,387	70,260	67,128	2,21,401	1,71,824	1,71,429
Income on Investments	1,13,034	28,579	84,455	28,428	56,028	28,279	27,749	1,15,031	29,456	85,575	29,286	56,289	28,024	28,265	1,08,641	28,201	80,440	28,431	52,009	27,002	25,007	95,928	84,877	79,808
Interest on bal with RBI and others	6,086	1,266	4,821	1,280	3,541	1,693	1,848	4,416	1,129	3,287	1,244	2,043	981	1,062	5,090	1,166	3,924	1,275	2,650	1,291	1,359	3,491	4,378	4,318
Others	13,672	3,883	10,295	3,835	6,460	3,500	2,960	13,484	3,371	10,113	3,270	6,844	3,337	3,506	13,362	4,543	8,819	3,512	5,308	2,826	2,481	11,283	14,378	9,596
−Total Fund based income	4,82,797	1,23,098	3,60,206	1,22,556	2,37,650	1,19,654	1,17,996	4,62,489	1,19,666	3,42,823	1,17,427	2,25,397	1,13,871	1,11,526	4,15,131	1,11,043	3,04,088	1,06,734	1,97,354	1,01,379	95,975	3,32,103	2,75,457	2,65,151
--growth y-o-y	4.53%	3.00%	5.07%	4.37%	5.44%	5.08%	5.80%	11.41%	7.77%	12.74%	10.02%	14.21%	12.32%	16.20%	25.00%	19.46%	27.15%	23.23%	29.38%	26.95%	32.06%	20.56%	3.89%	3.04%
--growth q-o-q	—	0.61%	—	2.43%	—	1.41%	-1.40%	—	1.91%	—	3.12%	—	2.10%	0.44%	—	4.04%	—	5.28%	—	5.63%	3.25%	—	—	—
Other Income	68,850	17,314	51,030	18,359	32,671	15,326	17,346	61,683	24,210	37,473	11,041	26,432	15,271	11,162	51,682	17,369	34,313	11,459	22,854	10,791	12,063	36,616	40,564	41,957
Total Income	5,51,647	1,40,412	4,11,236	1,40,915	2,70,321	1,34,979	1,35,342	5,24,172	1,43,876	3,80,296	1,28,467	2,51,829	1,29,141	1,22,688	4,66,813	1,28,412	3,38,401	1,18,193	2,20,208	1,12,169	1,08,039	3,68,719	3,16,021	3,07,107
Total Interest Expense	3,09,677	78,718	2,30,959	77,366	1,53,593	76,670	76,923	2,95,524	76,892	2,18,633	75,981	1,42,652	72,251	70,401	2,55,255	69,387	1,85,867	66,918	1,18,949	61,879	57,070	1,87,263	1,54,750	1,54,441
--growth y-o-y	4.79%	2.37%	5.64%	1.82%	7.67%	6.12%	9.27%	15.78%	10.81%	17.63%	13.54%	19.93%	16.76%	23.36%	36.31%	32.02%	37.98%	37.84%	38.06%	38.51%	37.58%	21.01%	0.20%	-3.01%
--growth q-o-q	—	1.75%	—	0.91%	—	-0.33%	0.04%	—	1.20%	—	5.16%	—	2.63%	1.46%	—	3.69%	—	8.14%	—	8.43%	8.58%	—	—	—
Net Interest Income	1,73,120	44,380	1,29,247	45,190	84,057	42,984	41,072	1,66,965	42,775	1,24,190	41,446	82,745	41,620	41,125	1,59,876	41,655	1,18,221	39,816	78,405	39,500	38,905	1,44,841	1,20,708	1,10,710
--growth y-o-y	3.69%	3.75%	4.07%	9.04%	1.59%	3.28%	-0.13%	4.43%	2.69%	5.05%	4.09%	5.54%	5.37%	5.71%	10.38%	3.13%	13.19%	4.59%	18.12%	12.27%	24.71%	19.99%	9.03%	12.87%
--growth q-o-q	—	-1.79%	—	5.13%	—	4.65%	-3.98%	—	3.21%	—	-0.42%	—	1.20%	-1.27%	—	4.62%	—	0.80%	—	1.53%	-3.68%	—	—	—
Employee Cost	65,724	16,215	49,509	16,003	33,505	16,606	16,900	64,352	18,005	46,347	16,074	30,273	14,807	15,466	71,237	16,348	54,889	19,362	35,527	18,926	16,601	57,292	50,144	50,936
Other Administrative Exps	57,825	17,775	40,050	14,683	25,367	14,393	10,974	53,717	17,693	36,024	12,862	23,162	12,789	10,373	46,524	13,929	32,595	11,577	21,018	11,948	9,071	40,451	35,836	31,716
−Total Operating Expenses	1,23,549	33,990	89,559	30,686	58,872	30,999	27,874	1,18,069	35,698	82,371	28,935	53,435	27,596	25,839	1,17,761	30,277	87,484	30,939	56,545	30,874	25,671	97,743	85,979	82,652
Profit Before Tax and Provisions	1,18,422	27,704	90,718	32,862	57,855	27,311	30,544	1,10,579	31,286	79,293	23,551	55,742	29,294	26,449	93,797	28,748	65,050	20,336	44,714	19,417	25,297	83,713	75,292	70,014
--growth y-o-y	7.09%	-11.45%	14.41%	39.54%	3.79%	-6.77%	15.49%	17.89%	8.83%	21.90%	15.81%	24.67%	50.87%	4.55%	12.05%	16.76%	10.08%	-19.36%	32.01%	-8.07%	98.37%	11.18%	7.54%	13.08%
--growth q-o-q	—	-15.70%	—	20.33%	—	-10.59%	-2.37%	—	32.84%	—	-19.60%	—	10.76%	-8.00%	—	41.36%	—	4.74%	—	-23.25%	2.74%	—	—	—
Provision for NPA	15,332	3,140	12,192	3,126	9,066	4,132	4,934	14,418	3,964	10,454	2,305	8,149	3,631	4,518	9,517	3,294	6,223	1,757	4,466	1,815	2,651	9,144	14,087	27,244
Others Provisions	6,086	1,266	2,474	1,381	1,093	1,268	−175	890	2,477	−1,588	−1,394	−194	875	−1,069	−4,603	−1,684	−2,919	−1,069	−1,850	−1,700	−150	7,363	10,365	16,769
−Total Provisions	17,538	2,872	14,666	4,507	10,159	5,400	4,759	15,308	6,442	8,866	911	7,955	4,506	3,449	4,914	1,610	3,304	688	2,617	115	2,501	16,507	24,452	44,013
Exceptional items	4,593	0	4,593	0	4,593	4,593	0	0	0	0	0	0	0	0	−7,100	0	−7,100	−7,100	0	0	0	0	−7,418	1,540
Profit Before tax	1,05,477	24,832	80,645	28,355	52,289	26,504	25,785	95,271	24,844	70,427	22,640	47,787	24,788	22,999	81,783	27,138	54,645	12,548	42,097	19,301	22,796	67,206	43,422	27,541
Income Tax	25,445	5,148	20,296	7,327	12,969	6,344	6,625	24,371	6,202	18,169	5,748	12,421	6,457	5,964	20,706	6,439	14,267	3,384	10,883	4,971	5,911	16,973	11,746	7,131
effective tax rate	24.12%	20.73%	25.17%	25.84%	24.80%	23.94%	25.69%	25.58%	24.96%	25.80%	25.39%	25.99%	26.05%	25.93%	25.32%	23.73%	26.11%	26.97%	25.85%	25.76%	25.93%	25.26%	27.05%	25.89%
Net Profit	80,032	19,684	60,348	21,028	39,320	20,160	19,160	70,901	18,643	52,258	16,891	35,367	18,331	17,035	61,077	20,698	40,378	9,164	31,214	14,330	16,884	50,232	31,676	20,410
--growth y-o-y	12.88%	5.58%	15.48%	24.49%	11.18%	9.97%	12.48%	16.08%	-9.93%	29.42%	84.32%	13.30%	27.92%	0.89%	21.59%	23.98%	20.40%	-35.49%	61.46%	8.03%	178.25%	58.58%	55.19%	40.88%
--growth q-o-q	—	-6.39%	—	4.31%	—	5.22%	2.78%	—	10.37%	—	-7.86%	—	7.61%	-17.70%	—	125.87%	—	-36.05%	—	-15.13%	1.14%	—	—	—
Business Numbers (₹ Crores)
Total Business	1,09,08,269	1,09,08,269	1,03,84,817	1,03,84,817	1,00,11,374	1,00,11,374	97,27,770	96,02,893	96,02,893	92,97,136	92,97,136	90,38,004	90,38,004	87,13,813	86,83,612	86,83,612	83,46,473	83,46,473	81,00,470	81,00,470	78,34,968	76,93,020	68,70,205	62,20,670
Gross Advances	49,32,627	49,32,627	46,83,508	46,83,508	44,19,674	44,19,674	42,54,516	42,20,703	42,20,703	40,67,752	40,67,752	39,20,719	39,20,719	38,12,087	37,67,535	37,67,535	35,84,252	35,84,252	34,11,252	34,11,252	33,03,731	32,69,242	28,18,671	25,39,393
- Gross Advances Growth YoY	16.87%	16.87%	15.14%	15.14%	12.73%	12.73%	11.61%	12.03%	12.03%	13.49%	13.49%	14.93%	14.93%	15.39%	15.24%	15.24%	14.38%	14.38%	12.39%	12.39%	13.90%	15.99%	11.00%	4.81%
Net Advances	48,77,895	48,77,895	46,27,734	46,27,734	43,61,737	43,61,737	41,96,205	41,63,312	41,63,312	40,04,567	40,04,567	38,57,423	38,57,423	37,49,139	37,03,971	37,03,971	35,19,514	35,19,514	33,45,167	33,45,167	32,35,023	31,99,269	27,33,967	24,49,498
- Net Advances Growth YoY	17.16%	17.16%	15.56%	15.56%	13.07%	13.07%	11.92%	12.40%	12.40%	13.78%	13.78%	15.31%	15.31%	15.89%	15.78%	15.78%	15.09%	15.09%	13.35%	13.35%	14.91%	17.02%	11.61%	5.34%
--Retail Advances	17,35,778	17,35,778	16,63,759	16,63,759	15,93,360	15,93,360	15,39,878	15,06,477	15,06,477	14,47,337	14,47,337	13,96,624	13,96,624	13,68,045	13,52,265	13,52,265	12,96,310	12,96,310	12,43,421	12,43,421	12,04,279	11,79,152	10,02,303	8,70,711
-- % of total Advances	35.58%	35.58%	35.95%	35.95%	36.53%	36.53%	36.70%	36.18%	36.18%	36.14%	36.14%	36.21%	36.21%	36.49%	36.51%	36.51%	36.83%	36.83%	37.17%	37.17%	37.23%	36.86%	36.66%	35.55%
Deposits	59,75,642	59,75,642	57,01,309	57,01,309	55,91,700	55,91,700	54,73,254	53,82,190	53,82,190	52,29,384	52,29,384	51,17,285	51,17,285	49,01,726	49,16,077	49,16,077	47,62,221	47,62,221	46,89,218	46,89,218	45,31,237	44,23,778	40,51,534	36,81,277
- Deposit Growth YoY	11.03%	11.03%	9.02%	9.02%	9.27%	9.27%	11.66%	9.48%	9.48%	9.81%	9.81%	9.13%	9.13%	8.18%	11.13%	11.13%	13.02%	13.02%	11.91%	11.91%	12.00%	9.19%	10.06%	13.56%
--Savings deposits	18,80,910	18,80,910	18,25,292	18,25,292	17,96,036	17,96,036	17,46,813	17,00,568	17,00,568	16,80,224	16,80,224	16,87,501	16,87,501	16,68,282	16,54,953	16,54,953	16,31,759	16,31,759	16,33,039	16,33,039	16,07,827	15,81,466	15,13,205	13,70,082
Growth YoY	10.60%	10.60%	8.63%	8.63%	6.43%	6.43%	4.71%	2.76%	2.76%	2.97%	2.97%	3.34%	3.34%	3.76%	4.65%	4.65%	3.74%	3.74%	4.34%	4.34%	4.82%	4.51%	10.45%	14.79%
--Current deposits	3,81,101	3,81,101	3,14,434	3,14,434	3,28,230	3,28,230	3,21,714	3,64,593	3,64,593	2,85,013	2,85,013	2,78,398	2,78,398	2,46,158	2,87,043	2,87,043	2,49,538	2,49,538	2,52,975	2,52,975	2,58,232	2,81,438	2,61,879	2,76,892
Growth YoY	4.53%	4.53%	10.32%	10.32%	17.90%	17.90%	30.69%	27.02%	27.02%	14.22%	14.22%	10.05%	10.05%	-4.68%	1.99%	1.99%	9.59%	9.59%	8.77%	8.77%	10.49%	7.47%	-5.42%	27.36%
Domestic CASA	22,62,011	22,62,011	21,39,726	21,39,726	21,24,266	21,24,266	20,68,527	20,65,161	20,65,161	19,65,237	19,65,237	19,65,899	19,65,899	19,14,440	19,41,996	19,41,996	18,81,297	18,81,297	18,86,014	18,86,014	18,66,059	18,62,904	17,75,084	16,46,974
-- % Domestic Deposits	39.46%	39.46%	39.13%	39.13%	39.63%	39.63%	39.36%	39.97%	39.97%	39.20%	39.20%	40.03%	40.03%	40.70%	41.11%	41.11%	41.18%	41.18%	41.88%	41.88%	42.88%	43.80%	45.28%	46.13%
	—																						—
Gross NPAs	73,452	73,452	73,637	73,637	76,243	76,243	78,040	76,880	76,880	84,360	84,360	83,369	83,369	84,226	84,276	84,276	86,749	86,749	86,974	86,974	91,328	90,928	1,12,023	1,26,389
Net NPAs	18,830	18,830	18,012	18,012	18,460	18,460	19,908	19,667	19,667	21,378	21,378	20,294	20,294	21,555	21,051	21,051	22,408	22,408	21,352	21,352	22,995	21,467	27,966	36,810
% of Gross NPAs	73,452	73,452	1.57%	1.57%	1.73%	1.73%	1.83%	1.82%	1.82%	2.07%	2.07%	2.13%	2.13%	2.21%	2.24%	2.24%	2.42%	2.42%	2.56%	2.56%	2.76%	2.78%	3.97%	4.98%
% of Net NPAs	18,830	18,830	0.39%	0.39%	0.42%	0.42%	0.47%	0.47%	0.47%	0.53%	0.53%	0.53%	0.53%	0.57%	0.57%	0.57%	0.64%	0.64%	0.64%	0.64%	0.71%	0.67%	1.02%	1.50%
Credit Cost (%)	0.34%	0.28%	0.38%	0.29%	0.44%	0.40%	0.50%	0.37%	0.40%	0.37%	0.25%	0.45%	0.40%	0.52%	0.28%	0.38%	0.25%	0.21%	0.28%	0.23%	0.35%	0.31%	0.54%	1.14%
PCR without Tech W/off (%)	74.36%	74.36%	75.54%	75.54%	75.79%	75.79%	74.49%	74.42%	74.42%	74.66%	74.66%	75.66%	75.66%	74.41%	75.02%	75.02%	74.17%	74.17%	75.45%	75.45%	74.82%	76.39%	75.04%	70.88%
PCR with Tech W/off (%)	74.36%	74.36%	92.37%	92.37%	92.29%	92.29%	91.71%	92.08%	92.08%	91.74%	91.74%	92.21%	92.21%	91.76%	91.89%	91.89%	91.49%	91.49%	91.93%	91.93%	91.41%	91.91%	90.20%	87.75%
	—																						—
Equity Share Capital	923	923	923	923	923	923	892	892	892	892	892	892	892	892	892	892	892	892	892	892	892	892	892	892
Govt Holding	55.03%	55.03%	55.03%	55.03%	55.03%	55.03%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%	56.92%
Networth	4,72,894	4,72,894	4,73,679	4,73,679	4,53,279	4,53,279	4,08,108	3,89,071	3,89,071	3,84,400	3,84,400	3,66,225	3,66,225	3,45,616	3,24,715	3,24,715	3,14,898	3,14,898	3,06,945	3,06,945	2,92,812	2,76,563	2,40,502	2,14,666
Net Interest Margin (%)	2.91%	2.81%	2.95%	2.99%	2.94%	2.97%	2.90%	3.09%	3.00%	3.12%	3.01%	3.18%	3.14%	3.22%	3.28%	3.30%	3.28%	3.22%	3.31%	3.29%	3.33%	3.37%	3.12%	3.04%
Cost to Income Ratio	51.06%	55.09%	49.68%	48.29%	50.44%	53.16%	47.71%	51.64%	53.29%	50.95%	55.13%	48.94%	48.51%	49.42%	55.66%	51.30%	57.35%	60.34%	55.84%	61.39%	50.37%	53.87%	53.31%	54.14%
Capital Adequacy Ratio	15.40%	15.40%	14.04%	14.04%	14.62%	14.62%	14.63%	14.25%	14.25%	13.03%	13.03%	13.76%	13.76%	13.86%	14.28%	14.28%	13.05%	13.05%	14.28%	14.28%	14.56%	14.68%	13.83%	13.74%
CET 1	12.29%	12.29%	10.99%	10.99%	11.47%	11.47%	11.10%	10.81%	10.81%	9.52%	9.52%	9.95%	9.95%	10.25%	10.36%	10.36%	9.09%	9.09%	9.94%	9.94%	10.19%	10.27%	9.94%	10.02%
Return on Assets	1.12%	1.07%	1.16%	1.19%	1.15%	1.17%	1.14%	1.10%	1.12%	1.09%	1.04%	1.13%	1.17%	1.10%	1.04%	1.36%	0.94%	0.62%	1.10%	1.01%	1.22%	0.96%	0.67%	0.58%
Return on Equity	18.57%	12.24%	20.68%	21.64%	20.20%	20.70%	19.70%	19.87%	15.10%	21.46%	20.80%	21.78%	22.60%	20.98%	20.32%	22.87%	19.47%	13.29%	22.57%	20.70%	24.42%	19.43%	13.92%	9.90%
Book Value Per Share	512.31	512.31	513.16	513.16	491.06	491.06	457.28	435.95	435.95	430.72	430.72	410.35	410.35	387.26	363.84	363.84	352.84	352.84	343.93	343.93	328.09	309.89	269.48	240.53
Adj Book Value Per Share	512.31	512.31	499.50	499.50	477.06	477.06	441.67	420.53	420.53	413.95	413.95	394.44	394.44	370.36	347.33	347.33	335.27	335.27	327.18	327.18	310.06	293.05	247.55	211.66
Earning per share	86.70	21.32	65.38	22.78	42.60	21.84	21.47	79.44	20.89	58.56	18.93	39.63	20.54	19.09	68.44	23.19	45.24	10.27	34.98	16.06	18.92	56.29	35.49	22.87
DPS	17.35	—	—	—	—	—	—	15.90	—	—	—	—	—	—	13.70	—	—	—	—	—	—	11.30	7.10	4.00
Dividend Payout	20.01%	—	—	—	—	—	—	20.01%	—	—	—	—	—	—	20.02%	—	—	—	—	—	—	20.08%	20.00%	17.49%
Cost Ratios as % of Total Income
Interest / Discount on advances	72.50%	72.60%	72.36%	72.63%	72.22%	72.03%	72.41%	71.26%	71.62%	71.13%	71.22%	71.08%	71.60%	70.56%	69.38%	69.46%	69.36%	68.88%	69.61%	69.30%	69.94%	66.67%	62.38%	64.65%
Income on Investments	23.41%	23.22%	23.45%	23.20%	23.58%	23.63%	23.52%	24.87%	24.62%	24.96%	24.94%	24.97%	24.61%	25.34%	26.17%	25.40%	26.45%	26.64%	26.35%	26.64%	26.06%	28.89%	30.81%	30.10%
Interest on bal with RBI and others	1.26%	1.03%	1.34%	1.04%	1.49%	1.41%	1.57%	0.95%	0.94%	0.96%	1.06%	0.91%	0.86%	0.95%	1.23%	1.05%	1.29%	1.19%	1.34%	1.27%	1.42%	1.05%	1.59%	1.63%
Others	2.83%	3.15%	2.86%	3.13%	2.72%	2.92%	2.51%	2.92%	2.82%	2.95%	2.78%	3.04%	2.93%	3.14%	3.22%	4.09%	2.90%	3.29%	2.69%	2.79%	2.59%	3.40%	5.22%	3.62%
Other Income	14.26%	14.07%	14.17%	14.98%	13.75%	12.81%	14.70%	13.34%	20.23%	10.93%	9.40%	11.73%	13.41%	10.01%	12.45%	15.64%	11.28%	10.74%	11.58%	10.64%	12.57%	11.03%	14.73%	15.82%
Total Interest Expense	64.14%	63.95%	64.12%	63.13%	64.63%	64.08%	65.19%	63.90%	64.26%	63.77%	64.71%	63.29%	63.45%	63.12%	61.49%	62.49%	61.12%	62.70%	60.27%	61.04%	59.46%	56.39%	56.18%	58.25%
Net Interest Income	35.86%	36.05%	35.88%	36.87%	35.37%	35.92%	34.81%	36.10%	35.74%	36.23%	35.29%	36.71%	36.55%	36.88%	38.51%	37.51%	38.88%	37.30%	39.73%	38.96%	40.54%	43.61%	43.82%	41.75%
Wages	13.61%	13.17%	13.74%	13.06%	14.10%	13.88%	14.32%	13.91%	15.05%	13.52%	13.69%	13.43%	13.00%	13.87%	17.16%	14.72%	18.05%	18.14%	18.00%	18.67%	17.30%	17.25%	18.20%	19.21%
Other administrative Exps	11.98%	14.44%	11.12%	11.98%	10.67%	12.03%	9.30%	11.61%	14.79%	10.51%	10.95%	10.28%	11.23%	9.30%	11.21%	12.54%	10.72%	10.85%	10.65%	11.79%	9.45%	12.18%	13.01%	11.96%
−Total Operating Expenses	25.59%	27.61%	24.86%	25.04%	24.77%	25.91%	23.62%	25.53%	29.83%	24.03%	24.64%	23.71%	24.23%	23.17%	28.37%	27.27%	28.77%	28.99%	28.65%	30.45%	26.75%	29.43%	31.21%	31.17%
Profit before Tax & Provisions	24.53%	22.51%	25.18%	26.81%	24.34%	22.82%	25.89%	23.91%	26.14%	23.13%	20.06%	24.73%	25.73%	23.72%	22.59%	25.89%	21.39%	19.05%	22.66%	19.15%	26.36%	25.21%	27.33%	26.41%
PBT	21.85%	20.17%	22.39%	23.14%	22.00%	22.15%	21.85%	20.60%	20.76%	20.54%	19.28%	21.20%	21.77%	20.62%	19.70%	24.44%	17.97%	11.76%	21.33%	19.04%	23.75%	20.24%	15.76%	10.39%
Income Tax	5.27%	4.18%	5.63%	5.98%	5.46%	5.30%	5.61%	5.27%	5.18%	5.30%	4.90%	5.51%	5.67%	5.35%	4.99%	5.80%	4.69%	3.17%	5.51%	4.90%	6.16%	5.11%	4.26%	2.69%
PAT	16.58%	15.99%	16.75%	17.16%	16.55%	16.85%	16.24%	15.33%	15.58%	15.24%	14.38%	15.69%	16.10%	15.27%	14.71%	18.64%	13.28%	8.59%	15.82%	14.14%	17.59%	15.13%	11.50%	7.70%

PNB

Punjab National Bank

NSE: PNB · Individual Quarterly Financials · Figures in ₹ Crores

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₹11,679 Cr

Net Profit · FY26

2.60%

NIM · FY26

3.19%

GNPA % · FY26

0.32%

NNPA % · FY26

14.45%

ROE · FY26

0.83%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	88,762	22,488	66,273	22,695	43,579	21,914	21,664	86,101	22,225	63,876	22,240	41,636	21,184	20,452	75,939	20,114	55,826	19,605	36,221	18,464	17,756	57,319	48,498	53,351
Income on Investments	33,126	8,045	25,081	8,102	16,979	8,541	8,438	30,701	8,012	22,689	7,741	14,948	7,716	7,232	27,645	6,963	20,681	7,011	13,670	7,095	6,575	25,143	23,487	24,481
Interest on bal with RBI and others	4,258	1,227	3,031	1,009	2,022	997	1,025	3,466	1,130	2,336	837	1,499	806	693	2,779	778	2,001	579	1,422	702	719	1,890	2,286	1,899
Others	4,258	1,227	1,681	425	1,256	419	837	1,493	623	870	522	348	168	180	539	259	280	92	188	93	94	792	609	934
−Total Fund based income	1,28,223	32,157	96,066	32,231	63,835	31,872	31,964	1,21,761	31,989	89,771	31,340	58,431	29,875	28,556	1,06,902	28,113	78,788	27,288	51,500	26,355	25,145	85,144	74,880	80,665
--growth y-o-y	5.31%	0.52%	7.01%	2.84%	9.25%	6.68%	11.93%	13.90%	13.79%	13.94%	14.85%	13.46%	13.36%	13.56%	25.55%	17.88%	28.54%	21.91%	32.35%	30.77%	34.06%	13.71%	-7.17%	49.94%
--growth q-o-q	—	-0.23%	—	1.13%	—	-0.29%	-0.08%	—	2.07%	—	4.90%	—	4.62%	1.58%	—	3.03%	—	3.54%	—	4.81%	5.44%	—	—	—
Other Income	18,794	4,162	14,632	5,022	9,610	4,342	5,268	16,309	4,716	11,593	3,412	8,182	4,572	3,610	13,384	4,248	9,136	2,674	6,462	3,028	3,434	12,143	12,320	12,897
Total Income	1,47,017	36,319	1,10,698	37,253	73,445	36,214	37,232	1,38,070	36,705	1,01,365	34,752	66,613	34,447	32,166	1,20,285	32,361	87,924	29,962	57,962	29,383	28,579	97,287	87,199	93,562
Total Interest Expense	86,263	21,776	64,487	21,698	42,789	21,403	21,386	78,979	21,232	57,746	20,308	37,438	19,358	18,080	66,819	17,750	49,068	16,995	32,073	16,432	15,641	50,652	46,185	50,273
--growth y-o-y	—	—	11.67%	6.85%	14.29%	10.56%	18.28%	18.20%	19.62%	17.69%	19.49%	16.73%	17.81%	15.59%	31.92%	23.70%	35.16%	28.70%	38.86%	38.28%	39.48%	9.67%	-8.13%	38.26%
--growth q-o-q	—	—	—	1.38%	—	0.08%	0.72%	—	4.55%	—	4.90%	—	7.07%	1.86%	—	4.44%	—	3.43%	—	5.06%	9.00%	—	—	—
Net Interest Income	41,960	10,380	31,579	10,533	21,047	10,469	10,578	42,782	10,757	32,025	11,032	20,993	10,517	10,476	40,083	10,363	29,720	10,293	19,427	9,923	9,504	34,492	28,694	30,392
--growth y-o-y	—	—	-1.39%	-4.53%	0.26%	-0.46%	0.97%	6.73%	3.80%	7.76%	7.18%	8.06%	5.98%	10.23%	16.21%	9.10%	18.91%	12.13%	22.85%	19.98%	26.00%	20.20%	-5.59%	74.29%
--growth q-o-q	—	—	—	0.61%	—	-1.03%	-1.66%	—	-2.50%	—	4.90%	—	0.39%	1.09%	—	0.68%	—	3.73%	—	4.41%	0.06%	—	—	—
Employee Cost	18,747	3,747	15,000	5,089	9,911	4,747	5,164	21,358	5,793	15,565	5,264	10,301	5,750	4,551	18,486	5,630	12,856	4,169	8,687	4,200	4,487	14,810	11,841	12,176
Other administrative Exps	12,717	3,295	9,422	2,985	6,437	2,837	3,600	10,903	2,904	7,999	2,560	5,439	2,485	2,954	10,049	2,565	7,484	2,467	5,018	2,535	2,483	9,295	8,412	8,133
−Total Operating Expenses	31,464	7,042	24,422	8,074	16,348	7,584	8,765	32,261	8,697	23,564	7,824	15,740	8,235	7,505	28,536	8,195	20,341	6,636	13,705	6,735	6,970	24,105	20,253	20,309
Profit before Tax and Provisions	29,290	7,500	21,789	7,481	14,308	7,227	7,081	26,831	6,776	20,055	6,621	13,434	6,853	6,581	24,931	6,416	18,515	6,331	12,184	6,216	5,968	22,529	20,762	22,980
--growth y-o-y	—	—	8.65%	12.99%	6.51%	5.45%	7.60%	7.62%	5.61%	8.32%	4.58%	10.26%	10.25%	10.27%	10.66%	9.36%	11.12%	10.76%	11.31%	11.66%	10.95%	8.51%	-9.65%	55.92%
--growth q-o-q	—	—	—	3.51%	—	2.06%	4.51%	—	2.34%	—	-3.40%	—	4.14%	2.58%	—	1.34%	—	1.84%	—	4.16%	1.73%	—	—	—
Provision for NPA	2,004	906	1,098	1,341	−243	−639	396	1,897	588	1,309	318	991	199	792	12,345	1,958	10,387	2,994	7,393	3,019	4,374	15,903	14,159	17,060
Other Provisions	—	—	1,018	−191	1,209	1,282	−73	−222	−229	6	−603	609	89	520	−608	−370	−238	−255	16	426	−409	2,338	2,287	2,441
−Total Provisions	2,540	424	2,116	1,150	966	643	323	1,675	360	1,315	−285	1,600	288	1,312	11,737	1,588	10,149	2,739	7,409	3,444	3,965	18,240	16,445	19,501
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	29,290	7,500	19,673	6,331	13,342	6,584	6,758	25,156	6,416	18,740	6,906	11,834	6,565	5,269	13,194	4,828	8,367	3,592	4,775	2,772	2,003	4,288	4,316	3,479
Income Tax	9,846	1,852	7,994	1,231	6,764	1,680	5,083	8,526	1,849	6,677	2,398	4,279	2,262	2,017	4,950	1,817	3,132	1,369	1,763	1,016	747	1,781	859	1,458
effective tax rate	36.81%	26.16%	40.64%	19.44%	50.69%	25.52%	75.22%	33.89%	28.82%	35.63%	34.72%	36.16%	34.45%	38.29%	37.51%	37.64%	37.44%	38.11%	36.93%	36.65%	37.32%	41.53%	19.91%	41.90%
Net Profit	16,904	5,225	11,679	5,100	6,579	4,904	1,675	16,630	4,567	12,063	4,508	7,555	4,303	3,252	8,245	3,010	5,234	2,223	3,012	1,756	1,255	2,507	3,457	2,022
--growth y-o-y	—	—	-3.19%	13.13%	-12.92%	13.95%	-48.49%	101.71%	51.71%	130.46%	102.82%	150.87%	145.05%	159.00%	2.29%	159.82%	2.88%	2.53%	3.18%	3.27%	3.07%	-27.47%	70.99%	5.01%
--growth q-o-q	—	—	—	4.01%	—	192.76%	-63.32%	—	1.30%	—	4.76%	—	32.35%	8.01%	—	35.43%	—	26.57%	—	39.88%	8.35%	—	—	—
Business Numbers (₹ Crores)
Total Business	29,69,685	29,69,685	28,91,528	28,91,528	27,86,672	27,86,672	27,19,277	26,83,260	26,83,260	26,39,991	26,39,991	25,20,246	25,20,246	24,36,929	23,53,038	23,53,038	22,90,742	22,90,742	22,51,631	22,51,631	22,14,741	21,65,844	19,31,322	18,45,739
Gross Advances	12,58,559	12,58,559	12,31,238	12,31,238	11,69,592	11,69,592	11,29,898	11,16,637	11,16,637	11,10,292	11,10,292	10,61,904	10,61,904	10,28,682	9,83,325	9,83,325	9,67,256	9,67,256	9,41,721	9,41,721	9,16,836	8,84,681	7,85,104	7,39,407
- Gross Advances Growth YoY	12,58,559	12,58,559	10.89%	10.89%	10.14%	10.14%	9.84%	13.56%	13.56%	14.79%	14.79%	12.76%	12.76%	12.20%	11.15%	11.15%	12.90%	12.90%	13.43%	13.43%	14.58%	12.68%	6.18%	-3.06%
Net Advances	12,25,292	12,25,292	11,96,208	11,96,208	11,33,780	11,33,780	10,91,981	10,77,475	10,77,475	10,69,957	10,69,957	10,19,595	10,19,595	9,83,998	9,34,431	9,34,431	9,16,445	9,16,445	8,89,920	8,89,920	8,63,732	8,30,834	7,28,186	6,74,230
- Net Advances Growth YoY	12,25,292	12,25,292	11.80%	11.80%	11.20%	11.20%	10.97%	15.31%	15.31%	16.75%	16.75%	14.57%	14.57%	13.92%	12.47%	12.47%	14.50%	14.50%	15.07%	15.07%	16.31%	14.10%	8.00%	-3.25%
Deposits	17,11,126	17,11,126	16,60,290	16,60,290	16,17,080	16,17,080	15,89,379	15,66,623	15,66,623	15,29,699	15,29,699	14,58,342	14,58,342	14,08,247	13,69,713	13,69,713	13,23,486	13,23,486	13,09,910	13,09,910	12,97,905	12,81,163	11,46,218	11,06,332
- Deposit Growth YoY	9.22%	9.22%	8.54%	8.54%	10.88%	10.88%	12.86%	14.38%	14.38%	15.58%	15.58%	11.33%	11.33%	8.50%	6.91%	6.91%	9.35%	9.35%	9.75%	9.75%	14.18%	11.77%	3.61%	3.24%
--Savings deposits	17,11,126	17,11,126	5,15,799	5,15,799	5,08,964	5,08,964	4,97,981	4,98,429	4,98,429	4,92,138	4,92,138	4,88,635	4,88,635	4,84,377	4,80,298	4,80,298	4,78,880	4,78,880	4,71,238	4,71,238	4,64,004	4,63,987	4,51,680	4,17,236
--Current deposits	17,11,126	17,11,126	76,377	76,377	74,215	74,215	70,656	75,114	75,114	70,018	70,018	68,104	68,104	64,702	72,201	72,201	68,636	68,636	67,038	67,038	66,838	74,028	81,974	75,546
Domestic CASA	6,09,615	6,09,615	5,92,176	5,92,176	5,83,179	5,83,179	5,68,637	5,73,543	5,73,543	5,62,156	5,62,156	5,56,739	5,56,739	5,49,079	5,52,499	5,52,499	5,47,516	5,47,516	5,38,276	5,38,276	5,30,842	5,38,015	5,33,654	4,92,782
-- % of Domestic Deposits	17,11,126	17,11,126	37.07%	37.07%	37.29%	37.29%	36.99%	37.95%	37.95%	38.12%	38.12%	39.31%	39.31%	40.08%	41.44%	41.44%	42.47%	42.47%	42.15%	42.15%	41.90%	42.98%	47.43%	45.49%
	—																						—
Gross NPAs	37,124	37,124	39,314	39,314	40,343	40,343	42,673	44,082	44,082	45,414	45,414	47,582	47,582	51,263	56,343	56,343	60,371	60,371	65,563	65,563	70,899	77,328	92,448	1,04,423
Net NPAs	3,610	3,610	3,834	3,834	4,026	4,026	4,132	4,291	4,291	4,437	4,437	4,674	4,674	5,930	6,799	6,799	8,816	8,816	13,114	13,114	17,129	22,585	34,909	38,576
% of Gross NPAs	37,124	37,124	3.19%	3.19%	3.45%	3.45%	3.78%	3.95%	3.95%	4.09%	4.09%	4.48%	4.48%	4.98%	5.73%	5.73%	6.24%	6.24%	6.96%	6.96%	7.73%	8.74%	11.78%	14.12%
% of Net NPAs	3,610	3,610	0.32%	0.32%	0.36%	0.36%	0.38%	0.40%	0.40%	0.41%	0.41%	0.46%	0.46%	0.60%	0.73%	0.73%	0.96%	0.96%	1.47%	1.47%	1.98%	2.72%	4.80%	5.73%
Credit Cost (%)	0.17%	0.31%	0.13%	0.47%	-0.05%	-0.24%	0.15%	0.19%	0.23%	0.18%	0.13%	0.21%	0.08%	0.34%	1.40%	0.89%	1.61%	1.40%	1.78%	1.45%	2.18%	2.04%	2.02%	2.98%
PCR without Tech W/off (%)	90.28%	90.28%	90.25%	90.25%	90.02%	90.02%	90.32%	90.27%	90.27%	90.23%	90.23%	90.18%	90.18%	88.43%	87.93%	87.93%	85.40%	85.40%	80.00%	80.00%	75.84%	70.79%	62.24%	63.06%
PCR with Tech W/off (%)	90.28%	90.28%	96.99%	96.99%	96.91%	96.91%	96.88%	96.82%	96.82%	96.77%	96.77%	96.67%	96.67%	95.90%	95.39%	95.39%	94.28%	94.28%	91.91%	91.91%	89.83%	86.90%	81.60%	80.14%
	—																						—
Equity Share Capital	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,299	2,202	2,202	2,202	2,202	2,202	2,202	2,202	2,202	2,202	2,202	2,096
Govt Holding	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	70.08%	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	73.15%	76.87%
Networth	1,18,317	1,18,317	1,17,098	1,17,098	1,10,245	1,10,245	1,06,466	97,498	97,498	95,103	95,103	91,001	91,001	80,497	74,600	74,600	72,348	72,348	69,722	69,722	67,877	66,838	60,310	55,604
Net Interest Margin (%)	2.57%	2.47%	2.60%	2.52%	2.65%	2.60%	2.70%	2.93%	2.81%	2.97%	2.93%	3.00%	2.92%	3.07%	3.09%	3.10%	3.11%	3.15%	3.09%	3.11%	3.08%	3.06%	2.71%	2.88%
Cost to Income Ratio	51.79%	48.42%	52.85%	51.91%	53.33%	51.20%	55.31%	54.59%	56.21%	54.02%	54.16%	53.95%	54.58%	53.28%	53.37%	56.09%	52.35%	51.18%	52.94%	52.00%	53.87%	51.69%	49.38%	46.91%
Capital Adequacy Ratio	17.74%	17.74%	16.77%	16.77%	17.19%	17.19%	17.50%	17.01%	17.01%	15.41%	15.41%	16.36%	16.36%	15.79%	15.97%	15.97%	14.63%	14.63%	15.09%	15.09%	15.54%	15.50%	14.50%	14.32%
CET 1	13.62%	13.62%	12.52%	12.52%	12.75%	12.75%	12.95%	12.33%	12.33%	10.65%	10.65%	11.59%	11.59%	10.95%	11.04%	11.04%	9.86%	9.86%	10.23%	10.23%	10.85%	11.22%	10.56%	10.61%
Return on Assets	0.89%	1.06%	0.83%	1.06%	0.71%	1.05%	0.37%	0.97%	1.02%	0.96%	1.03%	0.92%	1.02%	0.82%	0.54%	0.77%	0.46%	0.58%	0.40%	0.46%	0.34%	0.18%	0.26%	0.15%
Return on Equity	15.67%	18.00%	14.45%	17.80%	12.27%	17.95%	6.59%	19.33%	19.23%	18.87%	19.22%	18.36%	19.91%	16.82%	11.66%	16.48%	10.03%	12.45%	8.82%	10.15%	7.50%	3.88%	6.00%	3.90%
Book value per share	102.95	102.95	101.89	101.89	95.92	95.92	92.64	84.83	84.83	82.75	82.75	79.18	79.18	73.11	67.75	67.75	65.71	65.71	63.32	63.32	61.64	60.70	54.77	53.07
Adj Book Value	100.75	100.75	99.55	99.55	93.47	93.47	90.12	82.22	82.22	80.05	80.05	76.33	76.33	69.34	63.43	63.43	60.10	60.10	54.98	54.98	50.76	46.34	32.58	27.30
Earning per share	14.71	4.55	10.16	4.44	28.62	4.27	1.46	14.47	3.97	10.50	3.92	32.87	3.74	2.95	7.49	2.73	4.75	2.02	13.68	1.59	1.14	2.28	3.14	1.93
DPS	3.00	—	—	—	—	—	—	2.90	—	—	—	—	—	—	1.50	—	—	—	—	—	—	0.65	0.64	0.00
Dividend Payout	20.40%	—	—	—	—	—	—	20.04%	—	—	—	—	—	—	20.03%	—	—	—	—	—	—	28.55%	20.39%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	88,762	22,488	68.99%	70.41%	68.27%	68.76%	67.78%	70.71%	69.48%	71.15%	70.96%	71.26%	70.91%	71.62%	71.04%	71.54%	70.86%	71.84%	70.33%	70.06%	70.61%	67.32%	64.77%	66.14%
Income on Investments	33,126	8,045	26.11%	25.14%	26.60%	26.80%	26.40%	25.21%	25.04%	25.27%	24.70%	25.58%	25.83%	25.32%	25.86%	24.77%	26.25%	25.69%	26.54%	26.92%	26.15%	29.53%	31.37%	30.35%
Interest on bal with RBI and others	4,258	1,227	3.15%	3.13%	3.17%	3.13%	3.21%	2.85%	3.53%	2.60%	2.67%	2.57%	2.70%	2.43%	2.60%	2.77%	2.54%	2.12%	2.76%	2.66%	2.86%	2.22%	3.05%	2.35%
Others	4,258	1,227	1.75%	1.32%	1.97%	1.32%	2.62%	1.23%	1.95%	0.97%	1.67%	0.60%	0.56%	0.63%	0.50%	0.92%	0.36%	0.34%	0.36%	0.35%	0.38%	0.93%	0.81%	1.16%
Other income	18,794	4,162	15.23%	15.58%	15.05%	13.62%	16.48%	13.39%	14.74%	12.91%	10.89%	14.00%	15.30%	12.64%	12.52%	15.11%	11.60%	9.80%	12.55%	11.49%	13.66%	14.26%	16.45%	15.99%
Total Interest Expense	86,263	21,776	67.13%	67.32%	67.03%	67.15%	66.91%	64.86%	66.37%	64.33%	64.80%	64.07%	64.80%	63.31%	62.50%	63.14%	62.28%	62.28%	62.28%	62.35%	62.20%	59.49%	61.68%	62.32%
Net Interest Income	41,960	10,380	32.87%	32.68%	32.97%	32.85%	33.09%	35.14%	33.63%	35.67%	35.20%	35.93%	35.20%	36.69%	37.50%	36.86%	37.72%	37.72%	37.72%	37.65%	37.80%	40.51%	38.32%	37.68%
Wages	—	—	15.61%	15.79%	15.53%	14.89%	16.16%	17.54%	18.11%	17.34%	16.80%	17.63%	19.25%	15.94%	17.29%	20.03%	16.32%	15.28%	16.87%	15.94%	17.84%	17.39%	15.81%	15.09%
Other administrative Exps	12,717	3,295	9.81%	9.26%	10.08%	8.90%	11.26%	8.95%	9.08%	8.91%	8.17%	9.31%	8.32%	10.34%	9.40%	9.12%	9.50%	9.04%	9.74%	9.62%	9.87%	10.92%	11.23%	10.08%
−Total Operating Expenses	31,464	7,042	25.42%	25.05%	25.61%	23.79%	27.42%	26.50%	27.19%	26.25%	24.96%	26.94%	27.57%	26.28%	26.69%	29.15%	25.82%	24.32%	26.61%	25.55%	27.72%	28.31%	27.05%	25.18%
Profit before Tax and Provisions	29,290	7,500	22.68%	23.21%	22.41%	22.68%	22.15%	22.04%	21.18%	22.34%	21.13%	22.99%	22.94%	23.05%	23.32%	22.82%	23.50%	23.20%	23.66%	23.59%	23.73%	26.46%	27.73%	28.49%
PBT	—	—	20.48%	19.64%	20.90%	20.66%	21.14%	20.66%	20.06%	20.88%	22.04%	20.25%	21.98%	18.45%	12.34%	17.17%	10.62%	13.16%	9.27%	10.52%	7.96%	5.04%	5.76%	4.31%
Income Tax	9,846	1,852	8.32%	3.82%	10.60%	5.27%	15.90%	7.00%	5.78%	7.44%	7.65%	7.32%	7.57%	7.06%	4.63%	6.46%	3.98%	5.02%	3.42%	3.86%	2.97%	2.09%	1.15%	1.81%
PAT	—	—	12.16%	15.82%	10.31%	15.39%	5.24%	13.66%	14.28%	13.44%	14.38%	12.93%	14.40%	11.39%	7.71%	10.71%	6.64%	8.15%	5.85%	6.66%	4.99%	2.94%	4.62%	2.51%

BOB

Bank of Baroda

NSE: BOB · Individual Quarterly Financials · Figures in ₹ Crores

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₹14,405 Cr

Net Profit · FY26

2.88%

NIM · FY26

2.04%

GNPA % · FY26

0.57%

NNPA % · FY26

14.81%

ROE · FY26

1.05%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	95,942	24,745	71,197	24,056	47,141	23,505	23,636	93,051	23,522	69,529	23,811	45,718	23,058	22,660	85,098	22,760	62,338	21,697	40,640	20,827	19,813	64,073	49,279	50,052
Income on Investments	25,068	6,109	18,959	6,262	12,697	6,376	6,321	25,949	6,421	19,527	6,553	12,974	6,536	6,438	24,866	6,307	18,559	6,255	12,303	6,275	6,028	22,156	17,617	17,077
Interest on bal with RBI and others	2,543	585	1,957	646	1,311	700	611	1,756	564	1,192	415	777	422	354	1,721	365	1,357	429	928	509	418	1,437	1,015	1,451
Others	2,543	585	2,239	785	1,453	930	524	1,545	609	551	128	423	247	176	921	152	769	223	546	249	297	1,922	1,970	1,915
−Total Fund based income	1,26,994	32,642	94,352	31,750	62,602	31,511	31,091	1,22,301	31,117	90,800	30,908	59,892	30,263	29,629	1,12,606	29,583	83,023	28,605	54,417	27,862	26,556	89,589	69,881	70,495
--growth y-o-y	3.84%	4.90%	3.91%	2.72%	4.53%	4.12%	4.94%	8.61%	5.18%	9.37%	8.05%	10.06%	8.62%	11.57%	25.69%	14.41%	30.27%	21.52%	35.39%	31.09%	40.23%	28.20%	-0.87%	-7.23%
--growth q-o-q	—	2.81%	—	0.76%	—	1.35%	-0.08%	—	0.68%	—	2.13%	—	2.14%	0.15%	—	3.42%	—	2.67%	—	4.92%	2.70%	—	—	—
Other Income	15,757	3,967	11,790	3,600	8,189	3,515	4,675	15,788	4,735	11,438	3,769	7,669	5,181	2,487	14,495	4,191	10,304	2,810	7,493	4,171	3,322	10,026	11,484	12,364
Total Income	1,42,750	36,609	1,06,142	35,350	70,792	35,026	35,766	1,38,089	35,852	1,02,237	34,676	67,561	35,445	32,116	1,27,101	33,775	93,326	31,416	61,911	32,033	29,878	99,614	81,365	82,860
Total Interest Expense	79,311	20,148	59,163	19,949	39,214	19,557	19,657	75,783	19,622	56,161	19,491	36,670	18,641	18,029	67,884	17,791	50,094	17,504	32,590	17,031	15,559	48,233	37,259	41,686
--growth y-o-y	—	—	5.35%	2.35%	6.94%	4.91%	9.03%	11.64%	10.30%	12.11%	11.35%	12.52%	9.46%	15.87%	40.74%	24.13%	47.77%	37.59%	53.88%	53.71%	54.06%	29.45%	-10.62%	-14.11%
--growth q-o-q	—	—	—	2.00%	—	-0.51%	0.17%	—	0.68%	—	4.56%	—	3.40%	1.34%	—	1.64%	—	2.78%	—	9.46%	8.56%	—	—	—
Net Interest Income	47,682	12,494	35,189	11,800	23,388	11,954	11,435	46,518	11,494	34,639	11,417	23,222	11,622	11,600	44,722	11,793	32,929	11,101	21,827	10,831	10,997	41,356	32,621	28,809
--growth y-o-y	—	—	1.59%	3.36%	0.72%	2.85%	-1.42%	4.02%	-2.53%	5.19%	2.84%	6.39%	7.31%	5.49%	8.14%	2.33%	10.38%	2.62%	14.80%	6.45%	24.42%	26.78%	13.23%	4.94%
--growth q-o-q	—	—	—	-1.28%	—	4.54%	-0.52%	—	0.68%	—	-1.77%	—	0.19%	-1.63%	—	6.23%	—	2.50%	—	-1.51%	-4.58%	—	—	—
Employee Cost	15,742	3,262	12,480	4,111	8,368	4,061	4,308	16,608	4,347	12,260	4,207	8,054	4,040	4,014	15,816	4,547	11,269	3,809	7,461	3,706	3,754	13,353	11,979	11,446
Other administrative Exps	15,439	4,129	11,310	3,913	7,397	3,832	3,565	13,264	3,750	9,514	3,315	6,199	3,287	2,912	12,437	3,331	9,105	3,089	6,016	3,276	2,740	11,166	9,738	9,098
−Total Operating Expenses	31,180	7,391	23,789	8,024	15,765	7,893	7,873	29,871	8,097	21,774	7,522	14,253	7,326	6,926	28,253	7,878	20,374	6,898	13,477	6,982	6,495	24,518	21,716	20,544
Profit before Tax and Provisions	32,259	9,069	23,190	7,377	15,812	7,576	8,236	32,435	8,132	24,303	7,664	16,638	9,477	7,161	30,964	8,106	22,858	7,014	15,844	8,020	7,824	26,864	22,389	20,630
--growth y-o-y	—	—	-4.58%	-3.75%	-4.96%	-20.06%	15.01%	4.75%	0.32%	6.32%	9.27%	5.01%	18.17%	-8.47%	15.26%	0.41%	21.65%	-14.80%	50.06%	32.98%	72.82%	19.99%	8.53%	4.77%
--growth q-o-q	—	—	—	-2.62%	—	-8.02%	1.28%	—	6.10%	—	-19.13%	—	32.34%	-11.66%	—	15.57%	—	-12.54%	—	2.50%	-3.08%	—	—	—
Provision for NPA	5,694	2,566	3,128	559	2,569	883	1,686	5,170	1,297	3,873	871	3,002	1,733	1,269	6,470	1,485	4,985	1,007	3,978	2,285	1,693	4,351	14,640	12,408
Other Provisions	—	—	870	240	630	349	281	810	255	556	211	344	603	−258	−394	−183	−211	−341	129	−124	254	2,786	−1,638	2,666
−Total Provisions	7,149	3,150	3,998	799	3,199	1,232	1,967	5,980	1,552	4,429	1,082	3,346	2,336	1,011	6,076	1,302	4,774	666	4,107	2,161	1,947	7,137	13,002	15,074
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	0
Profit Before tax	32,259	9,069	19,191	6,578	12,613	6,343	6,270	26,454	6,581	19,874	6,582	13,292	7,141	6,151	24,889	6,804	18,084	6,348	11,737	5,859	5,878	19,727	9,386	5,556
Income Tax	5,089	303	4,786	1,524	3,262	1,534	1,728	6,873	1,533	5,340	1,745	3,596	1,903	1,692	7,101	1,918	5,183	1,769	3,414	1,606	1,807	5,617	2,114	4,727
effective tax rate	20.27%	5.12%	24.94%	23.16%	25.86%	24.18%	27.56%	25.98%	23.29%	26.87%	26.51%	27.05%	26.65%	27.52%	28.53%	28.18%	28.66%	27.87%	29.09%	27.41%	30.75%	28.47%	22.52%	85.08%
Net Profit	20,021	5,616	14,405	5,055	9,351	4,809	4,541	19,581	5,048	14,533	4,837	9,696	5,238	4,458	17,788	4,886	12,901	4,578	8,323	4,253	4,070	14,110	7,272	829
--growth y-o-y	—	—	-0.88%	4.49%	-3.56%	-8.18%	1.87%	10.08%	3.30%	12.65%	5.66%	16.50%	23.16%	9.53%	26.07%	2.33%	38.21%	18.83%	51.84%	28.35%	87.72%	94.02%	7.77%	51.77%
--growth q-o-q	—	—	—	5.10%	—	5.90%	-10.03%	—	4.35%	—	-7.65%	—	17.49%	-8.77%	—	6.73%	—	7.65%	—	4.49%	-14.77%	—	—	—
Business Numbers (₹ Crores)
Total Business	30,78,366	30,78,366	28,91,653	28,91,653	27,78,858	27,78,858	26,42,690	27,02,496	27,02,496	25,65,495	25,65,495	25,15,653	25,15,653	23,87,254	24,17,464	24,17,464	22,94,627	22,94,627	22,74,148	22,74,148	21,90,896	21,73,236	18,64,059	17,18,587
Gross Advances	14,29,879	14,29,879	13,44,904	13,44,904	12,78,847	12,78,847	12,07,056	12,30,461	12,30,461	11,73,034	11,73,034	11,43,039	11,43,039	10,71,681	10,90,506	10,90,506	10,49,327	10,49,327	10,24,501	10,24,501	9,90,988	9,69,548	8,18,120	7,51,590
- Gross Advances Growth YoY	14,29,879	14,29,879	14.65%	14.65%	11.88%	11.88%	12.63%	12.83%	12.83%	11.79%	11.79%	11.57%	11.57%	8.14%	12.48%	12.48%	13.58%	13.58%	17.29%	17.29%	18.00%	18.51%	8.85%	1.83%
Net Advances	14,09,094	14,09,094	13,25,074	13,25,074	12,58,337	12,58,337	11,86,585	12,09,558	12,09,558	11,51,316	11,51,316	11,21,171	11,21,171	10,47,949	10,65,782	10,65,782	10,24,099	10,24,099	9,97,995	9,97,995	9,63,491	9,40,998	7,77,155	7,06,301
- Net Advances Growth YoY	14,09,094	14,09,094	15.09%	15.09%	12.23%	12.23%	13.23%	13.49%	13.49%	12.42%	12.42%	12.34%	12.34%	8.77%	13.26%	13.26%	14.98%	14.98%	19.29%	19.29%	20.49%	21.08%	10.03%	2.34%
Deposits	16,48,487	16,48,487	15,46,749	15,46,749	15,00,011	15,00,011	14,35,634	14,72,035	14,72,035	13,92,461	13,92,461	13,72,614	13,72,614	13,15,573	13,26,958	13,26,958	12,45,300	12,45,300	12,49,647	12,49,647	11,99,908	12,03,688	10,45,939	9,66,997
- Deposit Growth YoY	11.99%	11.99%	11.08%	11.08%	9.28%	9.28%	9.13%	10.93%	10.93%	11.82%	11.82%	9.84%	9.84%	9.64%	10.24%	10.24%	8.33%	8.33%	14.63%	14.63%	16.19%	15.08%	8.16%	2.22%
--Savings deposits	16,48,487	16,48,487	4,17,873	4,17,873	4,08,348	4,08,348	4,01,582	4,08,684	4,08,684	3,89,061	3,89,061	3,87,468	3,87,468	3,82,354	3,90,014	3,90,014	3,69,761	3,69,761	3,66,561	3,66,561	3,60,722	3,67,400	3,41,343	3,06,418
Growth YoY	—	—	7.41%	7.41%	5.39%	5.39%	5.03%	4.79%	4.79%	5.22%	5.22%	5.70%	5.70%	6.00%	6.16%	6.16%	4.86%	4.86%	6.16%	6.16%	6.67%	7.63%	11.40%	15.06%
--Current deposits	16,48,487	16,48,487	84,687	84,687	80,312	80,312	72,055	87,778	87,778	73,557	73,557	70,957	70,957	66,665	76,386	76,386	64,576	64,576	61,759	61,759	62,878	75,111	68,780	61,609
Growth YoY	—	—	15.13%	15.13%	13.18%	13.18%	8.09%	14.91%	14.91%	13.91%	13.91%	14.89%	14.89%	6.02%	1.70%	1.70%	-0.94%	-0.94%	-4.80%	-4.80%	-0.89%	9.20%	11.64%	24.09%
Domestic CASA	5,45,034	5,45,034	5,02,560	5,02,560	4,88,660	4,88,660	4,73,637	4,96,462	4,96,462	4,62,618	4,62,618	4,58,425	4,58,425	4,49,019	4,66,400	4,66,400	4,34,337	4,34,337	4,28,320	4,28,320	4,23,600	4,42,511	4,10,123	3,68,027
-- % of Domestic Deposits	16,48,487	16,48,487	38.45%	38.45%	38.42%	38.42%	39.33%	39.97%	39.97%	39.68%	39.68%	39.52%	39.52%	40.62%	41.33%	41.33%	40.69%	40.69%	39.88%	39.88%	40.33%	42.25%	44.24%	42.87%
	—																						—
Gross NPAs	27,059	27,059	27,399	27,399	27,600	27,600	27,572	27,835	27,835	28,471	28,471	28,551	28,551	30,873	31,834	31,834	32,318	32,318	33,968	33,968	34,832	36,764	54,059	66,671
Net NPAs	6,316	6,316	7,615	7,615	7,141	7,141	7,158	6,994	6,994	6,825	6,825	6,764	6,764	7,232	7,213	7,213	7,208	7,208	7,597	7,597	7,482	8,384	13,365	21,800
% of Gross NPAs	27,059	27,059	2.04%	2.04%	2.16%	2.16%	2.28%	2.26%	2.26%	2.43%	2.43%	2.50%	2.50%	2.88%	2.92%	2.92%	3.08%	3.08%	3.32%	3.32%	3.51%	3.79%	6.61%	8.87%
% of Net NPAs	6,316	6,316	0.57%	0.57%	0.57%	0.57%	0.60%	0.58%	0.58%	0.59%	0.59%	0.60%	0.60%	0.69%	0.68%	0.68%	0.70%	0.70%	0.76%	0.76%	0.78%	0.89%	1.72%	3.09%
Credit Cost (%)	0.43%	0.78%	0.34%	0.18%	0.43%	0.30%	0.60%	0.45%	0.46%	0.47%	0.32%	0.57%	0.65%	0.50%	0.64%	0.59%	0.69%	0.42%	0.87%	1.00%	0.77%	0.51%	1.97%	1.78%
PCR without Tech W/off (%)	76.66%	76.66%	72.21%	72.21%	74.13%	74.13%	74.04%	74.87%	74.87%	76.03%	76.03%	76.31%	76.31%	76.58%	77.34%	77.34%	77.70%	77.70%	77.64%	77.64%	78.52%	77.19%	75.28%	67.30%
PCR with Tech W/off (%)	76.66%	76.66%	92.73%	92.73%	93.21%	93.21%	93.18%	93.29%	93.29%	93.51%	93.51%	93.61%	93.61%	93.32%	93.30%	93.30%	93.39%	93.39%	93.16%	93.16%	78.52%	92.43%	88.71%	81.80%
	—																						—
Equity Share Capital	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036	1,036
Govt Holding	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%	63.97%
Networth	1,30,177	1,30,177	1,29,709	1,29,709	1,25,126	1,25,126	1,20,705	1,15,457	1,15,457	1,13,775	1,13,775	1,09,022	1,09,022	1,02,187	93,851	93,851	91,988	91,988	86,174	86,174	81,283	76,951	61,299	55,191
Net Interest Margin (%)	2.89%	2.89%	2.88%	2.79%	2.94%	2.96%	2.91%	3.02%	2.86%	3.08%	2.94%	3.14%	3.10%	3.18%	3.18%	3.27%	3.15%	3.10%	3.17%	3.07%	3.27%	3.31%	3.03%	2.71%
Cost to Income Ratio	49.15%	44.90%	50.64%	52.10%	49.93%	51.02%	48.87%	47.94%	49.89%	47.26%	49.53%	46.14%	43.60%	49.17%	47.71%	49.29%	47.13%	49.58%	45.96%	46.54%	45.36%	47.72%	49.24%	49.90%
Capital Adequacy Ratio	15.82%	15.82%	15.29%	15.29%	16.54%	16.54%	17.61%	17.19%	17.19%	15.96%	15.96%	16.26%	16.26%	16.82%	16.31%	16.31%	14.72%	14.72%	15.30%	15.30%	15.84%	16.24%	15.98%	14.99%
CET 1	13.16%	13.16%	12.45%	12.45%	13.36%	13.36%	14.12%	13.78%	13.78%	12.38%	12.38%	12.67%	12.67%	13.08%	12.54%	12.54%	11.11%	11.11%	11.57%	11.57%	11.94%	12.24%	11.74%	10.94%
Return on Assets	1.06%	1.15%	1.05%	1.09%	1.04%	1.07%	1.03%	1.16%	1.16%	1.17%	1.15%	1.21%	1.30%	1.13%	1.17%	1.25%	1.15%	1.20%	1.12%	1.14%	1.11%	1.03%	0.60%	0.07%
Return on Equity	15.39%	17.27%	14.81%	15.59%	14.95%	15.37%	15.05%	16.96%	17.49%	17.03%	17.01%	17.79%	19.22%	17.45%	18.95%	20.83%	19.89%	19.91%	19.89%	19.74%	20.03%	18.34%	11.86%	1.50%
Book value per share	251.42	251.42	250.52	250.52	241.67	241.67	233.13	222.99	222.99	219.74	219.74	210.56	210.56	197.36	181.26	181.26	177.66	177.66	166.44	166.44	156.99	148.62	118.39	106.59
Adj Book Value	242.88	242.88	240.22	240.22	232.01	232.01	223.45	213.54	213.54	210.51	210.51	201.42	201.42	187.59	171.51	171.51	167.92	167.92	156.16	156.16	146.87	137.29	100.32	77.12
Earning per share	38.67	10.85	27.82	9.76	18.06	9.29	8.77	37.82	9.75	28.07	9.34	18.73	10.12	8.61	34.35	9.44	24.92	8.84	16.07	8.21	7.86	27.25	14.05	1.60
DPS	8.50	—	—	—	—	—	—	8.35	—	—	—	—	—	—	7.60	—	—	—	—	—	—	5.50	2.85	0.00
Dividend Payout	21.98%	—	—	—	—	—	—	22.08%	—	—	—	—	—	—	22.12%	—	—	—	—	—	—	20.18%	20.29%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	95,942	24,745	75.46%	75.77%	75.30%	74.59%	76.02%	76.08%	75.59%	76.57%	77.04%	76.33%	76.19%	76.48%	75.57%	76.94%	75.09%	75.85%	74.68%	74.75%	74.61%	71.52%	70.52%	71.00%
Income on Investments	25,068	6,109	20.09%	19.72%	20.28%	20.23%	20.33%	21.22%	20.64%	21.51%	21.20%	21.66%	21.60%	21.73%	22.08%	21.32%	22.35%	21.87%	22.61%	22.52%	22.70%	24.73%	25.21%	24.22%
Interest on bal with RBI and others	2,543	585	2.07%	2.03%	2.09%	2.22%	1.97%	1.44%	1.81%	1.31%	1.34%	1.30%	1.40%	1.20%	1.53%	1.23%	1.63%	1.50%	1.70%	1.83%	1.58%	1.60%	1.45%	2.06%
Others	2,543	585	2.37%	2.47%	2.32%	2.95%	1.68%	1.26%	1.96%	0.61%	0.41%	0.71%	0.82%	0.59%	0.82%	0.51%	0.93%	0.78%	1.00%	0.90%	1.12%	2.14%	2.82%	2.72%
Other Income	15,757	3,967	12.50%	11.34%	13.08%	11.15%	15.03%	12.91%	15.22%	12.60%	12.19%	12.80%	17.12%	8.39%	12.87%	14.17%	12.41%	9.83%	13.77%	14.97%	12.51%	11.19%	16.43%	17.54%
Total Interest Expense	79,311	20,148	62.70%	62.83%	62.64%	62.07%	63.22%	61.96%	63.06%	61.85%	63.06%	61.23%	61.60%	60.85%	60.28%	60.14%	60.34%	61.19%	59.89%	61.13%	58.59%	53.84%	53.32%	59.13%
Net Interest Income	47,682	12,494	37.30%	37.17%	37.36%	37.93%	36.78%	38.04%	36.94%	38.15%	36.94%	38.77%	38.40%	39.15%	39.72%	39.86%	39.66%	38.81%	40.11%	38.87%	41.41%	46.16%	46.68%	40.87%
Wages	—	—	13.23%	12.95%	13.37%	12.89%	13.85%	13.58%	13.97%	13.50%	13.61%	13.45%	13.35%	13.55%	14.05%	15.37%	13.57%	13.31%	13.71%	13.30%	14.14%	14.90%	17.14%	16.24%
Other administrative Exps	15,439	4,129	11.99%	12.32%	11.82%	12.16%	11.47%	10.85%	12.05%	10.48%	10.72%	10.35%	10.86%	9.83%	11.04%	11.26%	10.97%	10.80%	11.06%	11.76%	10.32%	12.46%	13.93%	12.91%
−Total Operating Expenses	31,180	7,391	25.21%	25.27%	25.18%	25.05%	25.32%	24.42%	26.02%	23.98%	24.34%	23.80%	24.21%	23.38%	25.09%	26.63%	24.54%	24.11%	24.77%	25.06%	24.46%	27.37%	31.08%	29.14%
Profit before Tax and Provisions	32,259	9,069	24.58%	23.24%	25.26%	24.04%	26.49%	26.52%	26.13%	26.76%	24.80%	27.78%	31.32%	24.17%	27.50%	27.40%	27.53%	24.52%	29.12%	28.78%	29.46%	29.99%	32.04%	29.26%
PBT	—	—	20.34%	20.72%	20.15%	20.13%	20.16%	21.63%	21.15%	21.89%	21.30%	22.19%	23.60%	20.76%	22.10%	23.00%	21.78%	22.19%	21.57%	21.03%	22.13%	22.02%	13.43%	7.88%
Income Tax	5,089	303	5.07%	4.80%	5.21%	4.87%	5.56%	5.62%	4.93%	5.88%	5.64%	6.00%	6.29%	5.71%	6.31%	6.48%	6.24%	6.19%	6.27%	5.77%	6.81%	6.27%	3.03%	6.71%
PAT	—	—	15.27%	15.92%	14.94%	15.26%	14.61%	16.01%	16.22%	16.01%	15.65%	16.19%	17.31%	15.05%	15.80%	16.52%	15.54%	16.01%	15.29%	15.26%	15.33%	15.75%	10.41%	1.18%

CBK

Canara Bank

NSE: CBK · Individual Quarterly Financials · Figures in ₹ Crores

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₹14,681 Cr

Net Profit · FY26

2.50%

NIM · FY26

2.08%

GNPA % · FY26

0.45%

NNPA % · FY26

20.55%

ROE · FY26

1.13%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	93,248	23,951	69,296	23,597	45,699	23,081	22,618	87,789	22,808	64,982	22,446	42,536	21,758	20,778	78,188	20,864	57,325	19,894	37,431	19,367	18,064	61,357	49,862	50,405
Income on Investments	25,122	6,318	18,803	6,303	12,500	6,307	6,193	24,596	6,272	18,324	6,186	12,137	6,060	6,078	22,673	5,902	16,771	5,775	10,996	5,647	5,349	19,532	16,972	16,900
Interest on bal with RBI and others	5,928	1,413	4,515	1,561	2,955	1,485	1,470	4,661	1,389	3,273	1,080	2,193	1,128	1,064	4,246	1,012	3,234	968	2,266	1,161	1,105	2,950	2,155	1,852
Others	5,928	1,413	1,913	521	1,393	671	721	2,709	533	2,175	600	1,575	794	781	3,581	1,030	2,551	1,402	1,149	663	486	586	421	124
−Total Fund based income	1,26,366	31,838	94,528	31,982	62,547	31,544	31,003	1,19,755	31,002	88,753	30,312	58,441	29,740	28,701	1,08,688	28,807	79,881	28,039	51,842	26,838	25,004	84,425	69,410	69,280
--growth y-o-y	5.52%	2.70%	6.51%	5.51%	7.02%	6.07%	8.02%	10.18%	7.62%	11.11%	8.11%	12.73%	10.81%	14.79%	28.74%	20.48%	32.00%	26.12%	35.42%	33.47%	37.56%	21.63%	0.19%	41.58%
--growth q-o-q	—	-0.45%	—	1.39%	—	1.75%	0.00%	—	2.28%	—	1.92%	—	3.62%	-0.37%	—	2.74%	—	4.48%	—	7.33%	4.58%	—	—	—
Other Income	26,838	4,824	22,014	7,899	14,114	7,054	7,060	22,453	6,351	16,102	5,802	10,300	4,981	5,319	18,966	5,218	13,749	4,295	9,454	4,634	4,819	18,762	16,497	14,924
Total Income	1,53,204	36,662	1,16,542	39,881	76,661	38,598	38,063	1,42,208	37,353	1,04,855	36,114	68,741	34,721	34,020	1,27,654	34,025	93,629	32,334	61,295	31,472	29,823	1,03,187	85,907	84,205
Total Interest Expense	89,156	22,030	67,126	22,729	44,397	22,403	21,994	82,683	21,560	61,123	21,163	39,960	20,425	19,535	72,122	19,227	52,895	18,622	34,273	17,935	16,338	52,989	43,026	45,178
--growth y-o-y	—	—	9.82%	7.40%	11.10%	9.68%	12.59%	14.64%	12.13%	15.56%	13.65%	16.59%	13.88%	19.57%	36.11%	25.73%	40.32%	36.61%	42.42%	41.52%	43.42%	23.16%	-4.76%	26.16%
--growth q-o-q	—	—	—	1.46%	—	1.86%	2.01%	—	1.88%	—	3.61%	—	4.55%	1.60%	—	3.25%	—	3.83%	—	9.77%	6.84%	—	—	—
Net Interest Income	37,210	9,808	27,402	9,252	18,150	9,141	9,009	37,072	9,442	27,630	9,149	18,481	9,315	9,166	36,566	9,580	26,986	9,417	17,569	8,903	8,666	31,435	26,384	24,103
--growth y-o-y	—	—	-0.82%	1.13%	-1.79%	-1.87%	-1.72%	1.38%	-1.44%	2.39%	-2.85%	5.20%	4.63%	5.78%	16.32%	11.18%	18.26%	9.50%	23.56%	19.76%	27.72%	19.15%	9.46%	83.66%
--growth q-o-q	—	—	—	1.22%	—	1.47%	-4.59%	—	3.21%	—	-1.79%	—	1.62%	-4.32%	—	1.73%	—	5.77%	—	2.74%	0.57%	—	—	—
Employee Cost	19,266	4,744	14,522	4,905	9,618	4,822	4,796	17,856	4,783	13,073	4,481	8,593	4,363	4,230	16,434	4,458	11,976	4,533	7,442	3,791	3,651	13,744	12,704	12,756
Other administrative Exps	11,764	3,131	8,632	3,128	5,505	2,785	2,720	10,278	2,726	7,552	2,634	4,919	2,279	2,639	9,686	2,952	6,733	2,373	4,360	2,130	2,230	8,738	7,088	6,582
−Total Operating Expenses	31,030	7,875	23,155	8,032	15,123	7,607	7,516	28,134	7,509	20,625	7,114	13,511	6,642	6,869	26,120	7,411	18,709	6,907	11,803	5,922	5,881	22,481	19,792	19,338
Profit before Tax and Provisions	33,019	6,757	26,261	9,119	17,142	8,588	8,554	31,390	8,284	23,107	7,837	15,270	7,654	7,616	29,413	7,387	22,025	6,806	15,220	7,616	7,604	27,716	23,089	19,689
--growth y-o-y	—	—	13.65%	16.37%	12.26%	12.21%	12.31%	6.72%	12.13%	4.91%	15.15%	0.33%	0.50%	0.16%	6.12%	1.86%	7.63%	-2.11%	12.64%	10.28%	15.10%	20.04%	17.27%	110.36%
--growth q-o-q	—	—	—	6.19%	—	0.40%	3.26%	—	5.70%	—	2.39%	—	0.49%	3.10%	—	8.55%	—	-10.64%	—	0.15%	4.85%	—	—	—
Provision for NPA	6,310	1,312	4,999	1,650	3,349	1,504	1,845	9,586	2,847	6,739	1,982	4,758	2,587	2,171	9,005	2,280	6,725	2,107	4,618	2,201	2,418	9,738	9,848	14,168
Others Provisions	5,928	1,413	2,121	764	1,357	851	506	−823	−1,015	193	416	−224	−335	111	702	202	500	−208	708	407	301	3,805	2,925	1,814
−Total Provisions	8,112	992	7,120	2,414	4,706	2,354	2,352	8,764	1,832	6,932	2,398	4,534	2,251	2,282	9,708	2,482	7,226	1,899	5,327	2,608	2,719	13,543	12,772	15,982
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1,355	0
Profit Before tax	33,019	6,757	19,141	6,705	12,436	6,234	6,202	22,627	6,452	16,175	5,438	10,736	5,403	5,334	19,705	4,906	14,799	4,907	9,893	5,008	4,885	14,173	8,962	3,707
Income Tax	5,720	1,260	4,460	1,550	2,910	1,460	1,450	5,600	1,449	4,151	1,334	2,817	1,388	1,429	5,151	1,148	4,002	1,250	2,752	1,401	1,350	3,569	3,283	1,150
effective tax rate	22.97%	21.85%	23.30%	23.12%	23.40%	23.42%	23.38%	24.75%	22.46%	25.66%	24.53%	26.23%	25.69%	26.78%	26.14%	23.41%	27.04%	25.49%	27.82%	27.99%	27.64%	25.18%	36.64%	31.01%
Net Profit	19,187	4,506	14,681	5,155	9,526	4,774	4,752	17,027	5,003	12,024	4,104	7,920	4,015	3,905	14,554	3,757	10,797	3,656	7,141	3,606	3,535	10,604	5,678	2,558
--growth y-o-y	—	—	22.10%	25.61%	20.28%	18.92%	21.68%	16.99%	33.15%	11.36%	12.26%	10.91%	11.32%	10.48%	37.26%	18.35%	45.34%	26.88%	57.03%	42.79%	74.82%	86.74%	122.02%	—
--growth q-o-q	—	—	—	7.98%	—	0.46%	-5.01%	—	21.89%	—	2.23%	—	2.80%	3.94%	—	2.77%	—	1.39%	—	2.02%	11.34%	—	—	—
Business Numbers (₹ Crores)
Total Business	28,06,226	28,06,226	27,13,594	27,13,594	26,78,963	26,78,963	25,63,984	25,30,215	25,30,215	24,19,171	24,19,171	23,59,344	23,59,344	23,10,350	22,72,969	22,72,969	22,13,361	22,13,361	21,56,181	21,56,181	20,80,141	20,42,001	18,27,556	16,86,030
Gross Advances	12,37,548	12,37,548	11,92,326	11,92,326	11,51,041	11,51,041	10,96,329	10,73,332	10,73,332	10,49,706	10,49,706	10,11,997	10,11,997	9,75,183	9,60,602	9,60,602	9,50,430	9,50,430	9,23,966	9,23,966	8,87,671	8,62,782	7,41,147	6,75,155
- Gross Advances Growth YoY	12,37,548	12,37,548	13.59%	13.59%	13.74%	13.74%	12.42%	11.74%	11.74%	10.45%	10.45%	9.53%	9.53%	9.86%	11.34%	11.34%	11.69%	11.69%	12.11%	12.11%	13.27%	16.41%	9.77%	3.68%
Net Advances	12,20,017	12,20,017	11,72,816	11,72,816	11,30,114	11,30,114	10,73,576	10,49,155	10,49,155	10,23,727	10,23,727	9,84,041	9,84,041	9,46,353	9,31,613	9,31,613	9,20,647	9,20,647	8,92,310	8,92,310	8,55,142	8,30,673	7,03,602	6,39,049
- Net Advances Growth YoY	12,20,017	12,20,017	14.56%	14.56%	14.84%	14.84%	13.44%	12.62%	12.62%	11.20%	11.20%	10.28%	10.28%	10.67%	12.15%	12.15%	12.77%	12.77%	13.17%	13.17%	14.49%	18.06%	10.10%	3.60%
Deposits	15,68,678	15,68,678	15,21,268	15,21,268	15,27,922	15,27,922	14,67,655	14,56,883	14,56,883	13,69,465	13,69,465	13,47,347	13,47,347	13,35,167	13,12,367	13,12,367	12,62,931	12,62,931	12,32,215	12,32,215	11,92,470	11,79,219	10,86,409	10,10,875
- Deposit Growth YoY	9.71%	9.71%	11.08%	11.08%	13.40%	13.40%	9.92%	11.01%	11.01%	8.44%	8.44%	9.34%	9.34%	11.97%	11.29%	11.29%	8.55%	8.55%	8.66%	8.66%	6.65%	8.54%	7.47%	11.50%
--Savings deposits	15,68,678	15,68,678	3,57,742	3,57,742	3,52,195	3,52,195	3,41,696	3,37,135	3,37,135	3,29,680	3,29,680	3,40,705	3,40,705	3,32,248	3,28,378	3,28,378	3,24,027	3,24,027	3,23,021	3,23,021	3,20,628	3,18,818	3,15,916	2,81,525
--Current deposits	15,68,678	15,68,678	54,617	54,617	75,920	75,920	54,045	77,841	77,841	47,527	47,527	46,622	46,622	49,200	63,949	63,949	45,229	45,229	44,593	44,593	43,836	47,654	52,816	49,131
Domestic CASA	4,28,804	4,28,804	4,12,359	4,12,359	4,28,115	4,28,115	3,95,741	4,14,976	4,14,976	3,77,207	3,77,207	3,87,327	3,87,327	3,81,448	3,92,327	3,92,327	3,69,256	3,69,256	3,67,614	3,67,614	3,64,464	3,66,472	3,68,732	3,30,656
% of total Domestic Deposits	15,68,678	15,68,678	29.52%	29.52%	30.69%	30.69%	29.56%	31.17%	31.17%	30.00%	30.00%	31.27%	31.27%	30.98%	32.29%	32.29%	31.65%	31.65%	32.15%	32.15%	33.00%	33.48%	35.88%	34.33%
	—																						—
Gross NPAs	22,740	22,740	24,833	24,833	27,040	27,040	29,518	31,530	31,530	35,061	35,061	37,733	37,733	40,356	40,605	40,605	41,722	41,722	43,956	43,956	45,727	46,160	55,652	60,288
Net NPAs	5,209	5,209	5,322	5,322	6,113	6,113	6,765	7,353	7,353	9,081	9,081	9,777	9,777	11,702	11,823	11,823	12,176	12,176	12,554	12,554	13,461	14,349	18,668	24,442
% of Gross NPAs	22,740	22,740	2.08%	2.08%	2.35%	2.35%	2.69%	2.94%	2.94%	3.34%	3.34%	3.73%	3.73%	4.14%	4.23%	4.23%	4.39%	4.39%	4.76%	4.76%	5.15%	5.35%	7.51%	8.93%
% of Net NPAs	5,209	5,209	0.45%	0.45%	0.54%	0.54%	0.63%	0.70%	0.70%	0.89%	0.89%	0.99%	0.99%	1.24%	1.27%	1.27%	1.32%	1.32%	1.41%	1.41%	1.57%	1.73%	2.65%	3.82%
Credit Cost (%)	0.56%	0.46%	0.61%	0.60%	0.63%	0.57%	0.73%	0.97%	1.15%	0.92%	0.82%	1.01%	1.10%	0.96%	1.02%	1.03%	1.03%	0.97%	1.10%	1.05%	1.21%	1.27%	1.47%	2.65%
PCR without Tech W/off (%)	77.09%	77.09%	78.57%	78.57%	77.39%	77.39%	77.08%	76.68%	76.68%	74.10%	74.10%	74.09%	74.09%	71.00%	70.88%	70.88%	70.82%	70.82%	71.44%	71.44%	70.56%	68.91%	66.46%	59.46%
PCR with Tech W/off (%)	77.09%	77.09%	94.19%	94.19%	93.59%	93.59%	93.17%	92.70%	92.70%	91.62%	91.62%	90.89%	90.89%	89.22%	89.10%	89.10%	89.01%	89.01%	88.73%	88.73%	88.04%	87.31%	84.17%	79.68%
	—																						—
Equity Share Capital	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,814	1,647
Govt Holding	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	62.93%	69.33%
Networth	1,03,454	1,03,454	1,01,473	1,01,473	96,628	96,628	92,823	88,241	88,241	86,406	86,406	82,808	82,808	78,266	71,829	71,829	70,893	70,893	67,480	67,480	63,787	60,195	48,692	39,814
Net Interest Margin (%)	2.51%	2.54%	2.50%	2.45%	2.52%	2.50%	2.55%	2.80%	2.73%	2.83%	2.71%	2.88%	2.86%	2.90%	3.05%	3.02%	3.02%	3.03%	3.02%	3.00%	3.05%	2.95%	2.82%	2.75%
Cost to Income Ratio	48.45%	53.82%	46.86%	46.83%	46.87%	46.97%	46.77%	47.27%	47.55%	47.16%	47.58%	46.94%	46.46%	47.42%	47.04%	50.08%	45.93%	50.37%	43.68%	43.74%	43.61%	44.79%	46.16%	49.55%
Capital Adequacy Ratio	17.04%	17.04%	16.50%	16.50%	16.20%	16.20%	16.52%	16.33%	16.33%	16.44%	16.44%	16.57%	16.57%	16.38%	16.28%	16.28%	15.78%	15.78%	16.20%	16.20%	16.24%	16.68%	14.90%	13.18%
CET 1	12.44%	12.44%	12.37%	12.37%	12.21%	12.21%	12.29%	12.03%	12.03%	11.97%	11.97%	12.00%	12.00%	12.05%	11.58%	11.58%	11.28%	11.28%	11.58%	11.58%	11.50%	11.59%	10.26%	8.61%
Return on Assets	1.10%	1.01%	1.13%	1.16%	1.12%	1.10%	1.14%	1.09%	1.25%	1.04%	1.03%	1.05%	1.05%	1.05%	1.01%	1.03%	1.01%	1.01%	1.00%	1.02%	0.99%	0.81%	0.48%	0.23%
Return on Equity	19.61%	18.27%	20.55%	20.65%	20.56%	20.00%	21.05%	21.28%	23.23%	20.18%	19.09%	20.44%	19.78%	20.88%	22.06%	21.18%	21.95%	21.06%	22.51%	22.01%	22.95%	19.50%	12.82%	6.71%
Book value per share	114.05	114.05	111.87	111.87	106.53	106.53	102.33	97.28	97.28	95.26	95.26	91.29	91.29	86.29	395.94	395.94	390.78	390.78	371.97	371.97	351.61	331.81	268.41	241.78
Adj Book Value	110.03	110.03	107.76	107.76	101.81	101.81	97.11	91.61	91.61	88.25	88.25	83.75	83.75	77.25	350.32	350.32	343.80	343.80	323.53	323.53	299.67	276.45	196.37	137.88
Earning per share	21.15	4.97	16.19	5.68	10.50	5.26	5.24	18.77	5.52	13.26	4.52	8.73	4.43	4.31	80.23	20.71	59.52	20.15	39.36	19.88	19.49	58.45	31.30	15.53
DPS	4.20	—	—	—	—	—	—	4.00	—	—	—	—	—	—	16.10	—	—	—	—	—	—	12.00	6.50	0.00
Dividend Payout	19.86%	—	—	—	—	—	—	21.31%	—	—	—	—	—	—	20.07%	—	—	—	—	—	—	20.53%	20.77%	0.00%
*1QFY21 onwards merged numbers	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Cost Ratios as % of Total Income
Interest / Discount on advances	93,248	23,951	73.31%	73.78%	73.06%	73.17%	72.96%	73.31%	73.57%	73.22%	74.05%	72.78%	73.16%	72.39%	71.94%	72.42%	71.76%	70.95%	72.20%	72.16%	72.25%	72.68%	71.84%	72.76%
Income on Investments	25,122	6,318	19.89%	19.71%	19.99%	19.99%	19.98%	20.54%	20.23%	20.65%	20.41%	20.77%	20.38%	21.18%	20.86%	20.49%	20.99%	20.60%	21.21%	21.04%	21.39%	23.14%	24.45%	24.39%
Interest on bal with RBI and other banks	5,928	1,413	4.78%	4.88%	4.72%	4.71%	4.74%	3.89%	4.48%	3.69%	3.56%	3.75%	3.79%	3.71%	3.91%	3.51%	4.05%	3.45%	4.37%	4.33%	4.42%	3.49%	3.10%	2.67%
Others	5,928	1,413	2.02%	1.63%	2.23%	2.13%	2.33%	2.26%	1.72%	2.45%	1.98%	2.70%	2.67%	2.72%	3.29%	3.57%	3.19%	5.00%	2.22%	2.47%	1.94%	0.69%	0.61%	0.18%
other income	26,838	4,824	23.29%	24.70%	22.57%	22.36%	22.77%	18.75%	20.48%	18.14%	19.14%	17.62%	16.75%	18.53%	17.45%	18.11%	17.21%	15.32%	18.24%	17.27%	19.27%	22.22%	23.77%	21.54%
Total Interest Expense	89,156	22,030	71.01%	71.07%	70.98%	71.02%	70.94%	69.04%	69.54%	68.87%	69.82%	68.38%	68.68%	68.06%	66.36%	66.74%	66.22%	66.41%	66.11%	66.83%	65.34%	62.77%	61.99%	65.21%
Net Interest Income	37,210	9,808	28.99%	28.93%	29.02%	28.98%	29.06%	30.96%	30.46%	31.13%	30.18%	31.62%	31.32%	31.94%	33.64%	33.26%	33.78%	33.59%	33.89%	33.17%	34.66%	37.23%	38.01%	34.79%
Wages	—	—	15.36%	15.34%	15.38%	15.29%	15.47%	14.91%	15.43%	14.73%	14.78%	14.70%	14.67%	14.74%	15.12%	15.48%	14.99%	16.17%	14.36%	14.13%	14.60%	16.28%	18.30%	18.41%
Other administrative Exps	11,764	3,131	9.13%	9.78%	8.80%	8.83%	8.77%	8.58%	8.79%	8.51%	8.69%	8.42%	7.66%	9.20%	8.91%	10.25%	8.43%	8.46%	8.41%	7.94%	8.92%	10.35%	10.21%	9.50%
−Total Operating Expenses	31,030	7,875	24.50%	25.12%	24.18%	24.12%	24.24%	23.49%	24.22%	23.24%	23.47%	23.12%	22.33%	23.93%	24.03%	25.72%	23.42%	24.63%	22.77%	22.07%	23.52%	26.63%	28.51%	27.91%
Profit before Tax and Provisions	33,019	6,757	27.78%	28.51%	27.41%	27.23%	27.59%	26.21%	26.72%	26.03%	25.85%	26.13%	25.74%	26.54%	27.06%	25.64%	27.57%	24.27%	29.36%	28.38%	30.41%	32.83%	33.26%	28.42%
PBT	—	—	20.25%	20.97%	19.88%	19.76%	20.00%	18.89%	20.81%	18.22%	17.94%	18.37%	18.17%	18.58%	18.13%	17.03%	18.53%	17.50%	19.08%	18.66%	19.54%	16.79%	12.91%	5.35%
Income Tax	5,720	1,260	4.72%	4.85%	4.65%	4.63%	4.68%	4.68%	4.67%	4.68%	4.40%	4.82%	4.67%	4.98%	4.74%	3.99%	5.01%	4.46%	5.31%	5.22%	5.40%	4.23%	4.73%	1.66%
PAT	—	—	15.53%	16.12%	15.23%	15.13%	15.33%	14.22%	16.14%	13.55%	13.54%	13.55%	13.50%	13.61%	13.39%	13.04%	13.52%	13.04%	13.77%	13.44%	14.14%	12.56%	8.18%	3.69%

UBI

Union Bank of India

NSE: UNBK · Individual Quarterly Financials · Figures in ₹ Crores

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₹13,381 Cr

Net Profit · FY26

2.72%

NIM · FY26

3.06%

GNPA % · FY26

0.51%

NNPA % · FY26

15.20%

ROE · FY26

1.20%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	79,907	20,303	59,605	19,884	39,721	19,625	20,096	79,067	20,348	58,719	19,976	38,743	19,381	19,362	71,971	19,451	52,520	18,377	34,143	17,504	16,639	56,760	45,236	45,766
Income on Investments	22,309	5,430	16,879	5,640	11,240	5,417	5,822	23,184	5,790	17,394	5,787	11,607	5,909	5,698	22,468	5,608	16,860	5,658	11,201	5,617	5,585	21,355	19,943	20,574
Interest on bal with RBI and others	3,968	435	3,533	714	2,819	1,528	1,291	5,088	1,465	3,624	1,090	2,534	1,319	1,215	4,855	1,199	3,656	1,209	2,447	1,337	1,110	2,117	2,248	1,605
Others	3,968	435	372	206	166	80	86	386	92	294	105	189	99	89	485	92	393	119	274	130	144	511	517	823
−Total Fund based income	1,06,828	26,439	80,389	26,443	53,946	26,650	27,296	1,07,726	27,695	80,031	26,958	53,073	26,708	26,364	99,778	26,350	73,428	25,363	48,065	24,587	23,478	80,743	67,944	68,767
--growth y-o-y	-0.83%	-4.54%	0.45%	-1.91%	1.64%	-0.22%	3.53%	7.97%	5.10%	8.99%	6.29%	10.42%	8.63%	12.29%	23.57%	19.75%	25.01%	21.45%	26.97%	24.93%	29.18%	18.84%	-1.20%	84.70%
--growth q-o-q	—	-0.02%	—	-0.78%	—	-2.36%	-1.44%	—	2.73%	—	0.93%	—	1.30%	0.05%	—	3.89%	—	3.15%	—	4.73%	6.70%	—	—	—
Other Income	19,435	5,412	14,023	4,541	9,482	4,996	4,486	19,813	5,559	14,254	4,417	9,837	5,328	4,509	16,080	4,707	11,373	3,774	7,598	3,695	3,903	14,633	12,525	11,744
Total Income	1,26,263	31,851	94,412	30,984	63,427	31,646	31,781	1,27,539	33,254	94,285	31,374	62,910	32,036	30,874	1,15,859	31,058	84,801	29,137	55,664	28,283	27,381	95,376	80,469	80,512
Total Interest Expense	70,169	17,033	53,136	17,115	36,021	17,838	18,183	70,512	18,181	52,331	17,718	34,613	17,661	16,952	63,208	16,913	46,294	16,195	30,099	15,461	14,638	47,978	40,157	44,079
--growth y-o-y	-0.49%	-6.31%	1.54%	-3.40%	4.07%	1.00%	7.26%	11.56%	7.50%	13.04%	9.40%	15.00%	14.23%	15.81%	31.74%	22.97%	35.27%	32.15%	37.01%	35.90%	38.19%	19.47%	-8.90%	70.89%
--growth q-o-q	—	-0.48%	—	-4.05%	—	-1.90%	0.01%	—	2.62%	—	0.32%	—	4.18%	0.23%	—	4.44%	—	4.75%	—	5.62%	6.43%	—	—	—
Net Interest Income	36,659	9,406	27,253	9,328	17,925	8,812	9,113	37,214	9,514	27,700	9,240	18,459	9,047	9,412	36,571	9,437	27,134	9,168	17,966	9,127	8,840	32,765	27,786	24,688
--growth y-o-y	-1.49%	-1.14%	-1.61%	0.95%	-2.90%	-2.60%	-3.18%	1.76%	0.82%	2.08%	0.79%	2.74%	-0.87%	6.48%	11.61%	14.38%	10.69%	6.26%	13.09%	9.89%	16.59%	17.92%	12.55%	115.87%
--growth q-o-q	—	0.84%	—	5.85%	—	-3.30%	-4.22%	—	2.96%	—	2.13%	—	-3.88%	-0.26%	—	2.93%	—	0.45%	—	3.25%	7.14%	—	—	—
Employee Cost	15,290	3,425	11,866	4,011	7,855	3,909	3,946	14,668	4,069	10,599	3,468	7,131	3,563	3,568	14,377	4,829	9,548	3,279	6,269	3,085	3,183	12,390	10,115	9,284
Other administrative Exps	12,184	3,438	8,746	2,916	5,829	3,086	2,744	11,269	3,304	7,965	2,697	5,268	2,700	2,568	10,063	2,782	7,281	2,385	4,895	2,515	2,380	9,542	8,323	7,482
−Total Operating Expenses	27,474	6,863	20,611	6,927	13,684	6,994	6,690	25,937	7,373	18,564	6,165	12,399	6,263	6,136	24,440	7,611	16,829	5,665	11,164	5,600	5,564	21,931	18,438	16,766
Profit before Tax and Provisions	28,619	7,955	20,664	6,942	13,723	6,814	6,909	31,090	7,700	23,390	7,492	15,898	8,113	7,785	28,211	6,533	21,678	7,278	14,401	7,221	7,179	25,467	21,873	19,667
--growth y-o-y	-7.95%	3.31%	-11.65%	-7.34%	-13.68%	-16.01%	-11.26%	10.20%	17.87%	7.90%	2.94%	10.40%	12.34%	8.44%	10.77%	-4.26%	16.28%	9.95%	19.76%	9.80%	31.79%	16.43%	11.22%	114.21%
--growth q-o-q	—	14.60%	—	1.87%	—	-1.37%	-10.28%	—	2.78%	—	-7.65%	—	4.21%	19.17%	—	-10.23%	—	0.78%	—	0.59%	5.22%	—	—	—
Provision for NPA	2,337	423	1,914	235	1,679	526	1,153	7,308	1,676	5,633	1,477	4,155	2,504	1,651	6,387	1,485	4,902	1,226	3,676	1,691	1,984	12,479	11,613	13,920
Other Provisions	2,101	632	1,469	87	1,382	871	512	302	−132	434	122	313	−792	1,105	393	−226	619	521	97	76	21	850	1,681	3,348
−Total Provisions	4,438	1,055	3,383	322	3,061	1,397	1,665	7,611	1,544	6,067	1,599	4,468	1,712	2,756	6,780	1,260	5,521	1,748	3,773	1,768	2,005	13,329	13,294	17,268
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	0
Profit Before tax	28,619	7,955	17,281	6,619	10,661	5,417	5,244	23,479	6,156	17,323	5,893	11,430	6,401	5,030	21,431	5,273	16,158	5,530	10,628	5,453	5,174	12,138	8,579	2,399
Income Tax	5,484	1,585	3,899	1,603	2,297	1,168	1,129	5,492	1,171	4,321	1,289	3,031	1,681	1,351	7,782	1,963	5,819	1,940	3,879	1,942	1,938	3,704	3,347	−507
effective tax rate	22.68%	22.96%	22.56%	24.21%	21.54%	21.56%	21.52%	23.39%	19.03%	24.94%	21.88%	26.52%	26.26%	26.85%	36.31%	37.22%	36.02%	35.08%	36.50%	35.60%	37.45%	30.52%	39.02%	-21.11%
Net Profit	18,697	5,316	13,381	5,017	8,365	4,249	4,116	17,987	4,985	13,002	4,604	8,399	4,720	3,679	13,649	3,311	10,338	3,590	6,748	3,512	3,236	8,433	5,232	2,906
--growth y-o-y	3.95%	6.64%	2.92%	8.97%	-0.41%	-9.97%	11.87%	31.78%	50.57%	25.77%	28.24%	24.45%	34.39%	13.67%	61.84%	18.99%	82.95%	59.92%	98.12%	90.07%	107.67%	61.18%	80.05%	—
--growth q-o-q	—	5.96%	—	18.07%	—	3.24%	-17.44%	—	8.28%	—	-2.46%	—	28.29%	11.13%	—	-7.78%	—	2.22%	—	8.51%	16.32%	—	—	—
Business Numbers (₹ Crores)
Total Business	23,85,502	23,85,502	22,39,740	22,39,740	22,09,828	22,09,828	22,14,422	22,55,141	22,55,141	21,32,229	21,32,229	21,40,435	21,40,435	21,08,762	21,26,412	21,26,412	20,68,429	20,68,429	19,84,842	19,84,842	19,46,508	19,27,621	17,48,801	15,77,489
Gross Advances	10,78,611	10,78,611	10,16,884	10,16,884	9,75,207	9,75,207	9,74,489	9,82,894	9,82,894	9,49,164	9,49,164	9,28,832	9,28,832	9,12,214	9,04,884	9,04,884	8,95,974	8,95,974	8,47,214	8,47,214	8,18,457	8,09,905	7,16,408	6,53,684
- Gross Advances Growth YoY	10,78,611	10,78,611	7.13%	7.13%	4.99%	4.99%	6.83%	8.62%	8.62%	5.94%	5.94%	9.63%	9.63%	11.46%	11.73%	11.73%	11.44%	11.44%	9.50%	9.50%	12.33%	13.05%	9.60%	-1.87%
Net Advances	10,53,277	10,53,277	9,90,865	9,90,865	9,48,331	9,48,331	9,46,052	9,53,513	9,53,513	9,20,178	9,20,178	8,97,092	8,97,092	8,78,693	8,74,776	8,74,776	8,62,063	8,62,063	8,03,623	8,03,623	7,70,492	7,61,845	6,61,005	5,90,983
- Net Advances Growth YoY	10,53,277	10,53,277	7.68%	7.68%	5.71%	5.71%	7.67%	9.00%	9.00%	6.74%	6.74%	11.63%	11.63%	14.04%	14.82%	14.82%	13.96%	13.96%	10.46%	10.46%	13.91%	15.26%	11.85%	-1.54%
Deposits	13,06,891	13,06,891	12,22,856	12,22,856	12,34,621	12,34,621	12,39,933	12,72,247	12,72,247	11,83,065	11,83,065	12,11,603	12,11,603	11,96,548	12,21,528	12,21,528	11,72,455	11,72,455	11,37,628	11,37,628	11,28,051	11,17,716	10,32,393	9,23,805
- Deposit Growth YoY	2.72%	2.72%	3.36%	3.36%	1.90%	1.90%	3.63%	4.15%	4.15%	0.90%	0.90%	6.50%	6.50%	6.07%	9.29%	9.29%	10.09%	10.09%	9.04%	9.04%	13.63%	8.26%	11.75%	6.35%
--Savings deposits	13,06,891	13,06,891	3,47,342	3,47,342	3,38,844	3,38,844	3,34,475	3,39,916	3,39,916	3,28,416	3,28,416	3,28,389	3,28,389	3,32,539	3,36,349	3,36,349	3,26,302	3,26,302	3,23,123	3,23,123	3,17,994	3,20,075	3,04,541	2,71,968
Growth YoY	10.61%	10.61%	5.76%	5.76%	3.18%	3.18%	0.58%	1.06%	1.06%	0.65%	0.65%	1.63%	1.63%	4.57%	5.08%	5.08%	5.67%	5.67%	5.50%	5.50%	6.14%	5.10%	11.98%	12.33%
--Current deposits	13,06,891	13,06,891	67,752	67,752	63,010	63,010	68,570	86,409	86,409	66,912	66,912	67,906	67,906	66,941	73,785	73,785	70,805	70,805	65,106	65,106	67,090	73,980	72,652	63,624
Growth YoY	-2.69%	-2.69%	1.26%	1.26%	-7.21%	-7.21%	2.43%	17.11%	17.11%	-5.50%	-5.50%	4.30%	4.30%	-0.22%	-0.26%	-0.26%	5.39%	5.39%	-0.47%	-0.47%	12.33%	1.83%	14.19%	16.76%
Domestic CASA	4,60,077	4,60,077	4,15,094	4,15,094	4,01,854	4,01,854	4,03,045	4,26,325	4,26,325	3,95,328	3,95,328	3,96,295	3,96,295	3,99,480	4,10,134	4,10,134	3,97,107	3,97,107	3,88,229	3,88,229	3,85,084	3,94,055	3,77,193	3,35,592
-- % of Domestic Deposits	13,06,891	13,06,891	33.96%	33.96%	32.56%	32.56%	32.52%	33.52%	33.52%	33.43%	33.43%	32.72%	32.72%	33.40%	34.20%	34.20%	34.40%	34.40%	34.66%	34.66%	34.60%	35.63%	36.55%	36.41%
	—																						—
Gross NPAs	30,401	30,401	31,121	31,121	32,085	32,085	34,311	35,350	35,350	36,554	36,554	40,499	40,499	41,423	43,098	43,098	43,262	43,262	54,013	54,013	60,104	60,987	79,587	89,788
Net NPAs	5,067	5,067	5,102	5,102	5,209	5,209	5,874	5,969	5,969	7,568	7,568	8,759	8,759	7,902	8,990	8,990	9,351	9,351	10,421	10,421	12,138	12,927	24,303	27,281
% of Gross NPAs	30,401	30,401	3.06%	3.06%	3.29%	3.29%	3.52%	3.60%	3.60%	3.85%	3.85%	4.36%	4.36%	4.54%	4.76%	4.76%	4.83%	4.83%	6.38%	6.38%	7.34%	7.53%	11.11%	13.74%
% of Net NPAs	5,067	5,067	0.51%	0.51%	0.55%	0.55%	0.62%	0.63%	0.63%	0.82%	0.82%	0.98%	0.98%	0.90%	1.03%	1.03%	1.08%	1.08%	1.30%	1.30%	1.58%	1.70%	3.68%	4.62%
Credit Cost (%)	0.23%	0.17%	0.27%	0.10%	0.36%	0.23%	0.51%	0.80%	0.73%	0.84%	0.66%	0.98%	1.18%	0.80%	0.78%	0.73%	0.81%	0.61%	0.96%	0.88%	1.10%	1.75%	1.86%	3.07%
PCR without Tech W/off (%)	83.33%	83.33%	83.61%	83.61%	83.76%	83.76%	82.88%	83.11%	83.11%	79.30%	79.30%	78.37%	78.37%	80.92%	79.14%	79.14%	78.38%	78.38%	80.71%	80.71%	79.81%	78.80%	69.46%	69.62%
PCR with Tech W/off (%)	83.33%	83.33%	95.13%	95.13%	95.13%	95.13%	94.65%	94.61%	94.61%	93.42%	93.42%	92.79%	92.79%	93.49%	92.69%	92.69%	92.54%	92.54%	92.03%	92.03%	90.86%	90.34%	83.61%	81.27%
	—																						—
Equity Share Capital	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,634	7,412	7,412	7,412	7,412	6,835	6,835	6,835	6,407
Govt Holding	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	76.99%	76.99%	76.99%	76.99%	83.49%	83.49%	83.49%	89.07%
Networth	1,17,871	1,17,871	1,17,388	1,17,388	1,12,741	1,12,741	1,08,680	1,04,562	1,04,562	1,01,737	1,01,737	98,840	98,840	93,748	87,601	87,601	83,244	83,244	78,177	78,177	68,236	63,599	51,765	43,507
Net Interest Margin (%)	2.70%	2.64%	2.72%	2.76%	2.71%	2.67%	2.76%	2.91%	2.87%	2.94%	2.91%	2.97%	2.90%	3.05%	3.10%	3.09%	3.10%	3.08%	3.14%	3.18%	3.13%	3.07%	2.94%	2.71%
Cost to Income Ratio	48.98%	46.31%	49.94%	49.95%	49.93%	50.65%	49.19%	45.48%	48.92%	44.25%	45.14%	43.82%	43.56%	44.08%	46.42%	53.81%	43.70%	43.77%	43.67%	43.68%	43.66%	46.27%	45.74%	46.02%
Capital Adequacy Ratio	18.10%	18.10%	16.49%	16.49%	17.07%	17.07%	18.83%	18.02%	18.02%	16.72%	16.72%	17.13%	17.13%	17.02%	16.97%	16.97%	15.03%	15.03%	16.69%	16.69%	15.95%	16.04%	14.52%	12.56%
CET 1	15.69%	15.69%	13.94%	13.94%	14.37%	14.37%	15.30%	14.98%	14.98%	13.59%	13.59%	13.88%	13.88%	13.81%	13.65%	13.65%	11.71%	11.71%	13.05%	13.05%	12.34%	12.36%	10.63%	9.07%
Return on Assets	1.25%	1.36%	1.20%	1.35%	1.13%	1.16%	1.11%	1.26%	1.35%	1.24%	1.30%	1.21%	1.35%	1.06%	1.03%	0.97%	1.05%	1.07%	1.03%	1.07%	1.00%	0.69%	0.47%	0.27%
Return on Equity	15.86%	18.04%	15.20%	17.09%	14.84%	15.08%	15.15%	17.20%	19.07%	16.71%	17.75%	16.99%	19.10%	15.70%	15.58%	15.12%	16.56%	17.25%	17.26%	17.97%	18.97%	13.26%	10.11%	6.68%
Book value per share	154.41	154.41	153.78	153.78	147.69	147.69	142.37	136.98	136.98	133.28	133.28	129.48	129.48	122.81	114.76	114.76	112.30	112.30	105.47	105.47	99.84	93.05	75.74	67.91
Adj Book Value	149.76	149.76	149.10	149.10	142.91	142.91	136.98	131.50	131.50	126.34	126.34	121.45	121.45	115.56	106.51	106.51	103.47	103.47	95.63	95.63	87.41	79.81	50.85	38.10
Earning per share	24.49	6.96	17.53	6.57	10.96	5.57	5.39	23.56	6.53	17.03	6.03	11.00	6.18	4.82	17.88	4.34	13.95	4.84	9.10	4.74	4.74	12.34	7.66	4.54
DPS	5.00	—	—	—	—	—	—	4.75	—	—	—	—	—	—	3.60	—	—	—	—	—	—	3.00	1.90	0.00
Dividend Payout	20.41%	—	—	—	—	—	—	20.16%	—	—	—	—	—	—	20.13%	—	—	—	—	—	—	24.31%	24.82%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	79,907	20,303	74.15%	75.19%	73.63%	73.64%	73.62%	73.40%	73.47%	73.37%	74.10%	73.00%	72.56%	73.44%	72.13%	73.82%	71.53%	72.45%	71.03%	71.19%	70.87%	70.30%	66.58%	66.55%
Income on Investments	22,309	5,430	21.00%	21.33%	20.83%	20.33%	21.33%	21.52%	20.91%	21.73%	21.47%	21.87%	22.12%	21.61%	22.52%	21.28%	22.96%	22.31%	23.30%	22.84%	23.79%	26.45%	29.35%	29.92%
Interest on bal with RBI and others	3,968	435	4.39%	2.70%	5.23%	5.73%	4.73%	4.72%	5.29%	4.53%	4.04%	4.77%	4.94%	4.61%	4.87%	4.55%	4.98%	4.77%	5.09%	5.44%	4.73%	2.62%	3.31%	2.33%
Others	3,968	435	0.46%	0.78%	0.31%	0.30%	0.32%	0.36%	0.33%	0.37%	0.39%	0.36%	0.37%	0.34%	0.49%	0.35%	0.54%	0.47%	0.57%	0.53%	0.61%	0.63%	0.76%	1.20%
Other Income	19,435	5,412	17.44%	17.17%	17.58%	18.75%	16.43%	18.39%	20.07%	17.81%	16.38%	18.54%	19.95%	17.10%	16.12%	17.86%	15.49%	14.88%	15.81%	15.03%	16.63%	18.12%	18.43%	17.08%
Total Interest Expense	70,169	17,033	66.10%	64.72%	66.77%	66.93%	66.62%	65.46%	65.65%	65.39%	65.72%	65.22%	66.13%	64.30%	63.35%	64.19%	63.05%	63.85%	62.62%	62.88%	62.35%	59.42%	59.10%	64.10%
Net Interest Income	36,659	9,406	33.90%	35.28%	33.23%	33.07%	33.38%	34.54%	34.35%	34.61%	34.28%	34.78%	33.87%	35.70%	36.65%	35.81%	36.95%	36.15%	37.38%	37.12%	37.65%	40.58%	40.90%	35.90%
Wages	14.31%	12.95%	14.76%	15.17%	14.56%	14.67%	14.46%	13.62%	14.69%	13.24%	12.86%	13.44%	13.34%	13.53%	14.41%	18.33%	13.00%	12.93%	13.04%	12.55%	13.56%	15.34%	14.89%	13.50%
Other administrative Exps	12,184	3,438	10.88%	11.03%	10.81%	11.58%	10.05%	10.46%	11.93%	9.95%	10.01%	9.93%	10.11%	9.74%	10.09%	10.56%	9.92%	9.40%	10.19%	10.23%	10.14%	11.82%	12.25%	10.88%
−Total Operating Expenses	27,474	6,863	25.64%	26.20%	25.37%	26.24%	24.51%	24.08%	26.62%	23.20%	22.87%	23.36%	23.45%	23.27%	24.49%	28.88%	22.92%	22.33%	23.23%	22.78%	23.70%	27.16%	27.14%	24.38%
Profit before Tax and Provisions	28,619	7,955	25.71%	26.25%	25.44%	25.57%	25.31%	28.86%	27.80%	29.23%	27.79%	29.96%	30.38%	29.53%	28.27%	24.79%	29.52%	28.69%	29.96%	29.37%	30.58%	31.54%	32.19%	28.60%
PBT	22.64%	26.10%	21.50%	25.03%	19.76%	20.33%	19.21%	21.80%	22.23%	21.65%	21.86%	21.54%	23.96%	19.08%	21.48%	20.01%	22.00%	21.80%	22.11%	22.18%	22.04%	15.03%	12.63%	3.49%
Income Tax	5,484	1,585	4.85%	6.06%	4.26%	4.38%	4.13%	5.10%	4.23%	5.40%	4.78%	5.71%	6.29%	5.12%	7.80%	7.45%	7.93%	7.65%	8.07%	7.90%	8.25%	4.59%	4.93%	-0.74%
PAT	17.50%	20.11%	16.65%	18.97%	15.51%	15.94%	15.08%	16.70%	18.00%	16.25%	17.08%	15.82%	17.67%	13.95%	13.68%	12.56%	14.08%	14.15%	14.04%	14.28%	13.79%	10.44%	7.70%	4.23%

BOI

Bank of India

NSE: BOI · Individual Quarterly Financials · Figures in ₹ Crores

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₹7,511 Cr

Net Profit · FY26

2.51%

NIM · FY26

2.26%

GNPA % · FY26

0.60%

NNPA % · FY26

14.49%

ROE · FY26

0.90%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	53,472	14,055	39,417	13,681	25,737	12,944	12,792	50,045	13,064	36,981	12,918	24,062	12,068	11,994	42,881	11,626	31,255	10,986	20,269	10,588	9,681	33,368	25,842	27,407
Income on Investments	18,050	4,461	13,590	4,436	9,154	4,530	4,624	17,205	4,343	12,862	4,528	8,335	4,295	4,040	14,123	3,661	10,461	3,502	6,959	3,483	3,476	11,943	11,116	11,548
Interest on bal with RBI and others	2,777	475	2,302	682	1,620	787	833	3,195	893	2,302	737	1,565	823	741	2,891	733	2,158	688	1,470	782	687	1,666	623	1,142
Others	2,777	475	376	129	247	144	103	381	23	358	28	331	168	162	815	141	674	41	632	118	514	671	495	503
−Total Fund based income	75,161	19,476	55,685	18,927	36,758	18,406	18,352	70,826	18,323	52,503	18,211	34,293	17,355	16,938	60,709	16,162	44,548	15,218	29,330	14,971	14,359	47,648	38,076	40,599
--growth y-o-y	6.12%	6.29%	6.06%	3.94%	7.19%	6.06%	8.35%	16.66%	13.37%	17.86%	19.66%	16.92%	15.92%	17.96%	27.41%	20.16%	30.27%	19.57%	36.61%	30.21%	43.98%	25.14%	-6.22%	-4.14%
--growth q-o-q	—	2.90%	—	2.83%	—	0.29%	0.16%	—	0.62%	—	4.93%	—	2.46%	4.80%	—	6.20%	—	1.65%	—	4.27%	6.76%	—	—	—
Other Income	9,874	3,210	6,665	2,279	4,386	2,220	2,166	8,994	3,428	5,566	1,746	3,820	2,518	1,302	6,095	1,751	4,344	1,193	3,150	1,688	1,462	7,100	7,879	6,842
Total Income	85,036	22,685	62,350	21,206	41,144	20,626	20,518	79,820	21,751	58,069	19,957	38,112	19,872	18,240	66,804	17,913	48,891	16,411	32,480	16,659	15,821	54,748	45,955	47,441
Total Interest Expense	49,989	12,746	37,243	12,466	24,776	12,492	12,284	46,432	12,260	34,172	12,140	22,032	11,369	10,662	37,657	10,226	27,431	9,755	17,676	9,232	8,445	27,373	24,014	26,330
--growth y-o-y	—	—	8.99%	2.69%	12.46%	9.88%	15.21%	23.30%	19.90%	24.57%	24.46%	24.64%	23.16%	26.26%	37.57%	29.01%	41.06%	36.76%	43.55%	43.93%	43.12%	13.99%	-8.80%	-2.83%
--growth q-o-q	—	—	—	-0.21%	—	1.70%	0.19%	—	0.99%	—	6.78%	—	6.63%	4.27%	—	4.83%	—	5.66%	—	9.32%	6.54%	—	—	—
Net Interest Income	25,173	6,730	18,443	6,461	11,982	5,914	6,068	24,394	6,063	18,331	6,070	12,261	5,985	6,276	23,053	5,936	17,117	5,463	11,654	5,740	5,914	20,275	14,062	14,270
--growth y-o-y	—	—	0.61%	6.43%	-2.28%	-1.19%	-3.31%	5.82%	2.14%	7.09%	11.11%	5.21%	4.28%	6.12%	13.70%	7.46%	16.04%	-2.35%	27.28%	12.90%	45.22%	44.18%	-1.46%	-6.47%
--growth q-o-q	—	—	—	9.25%	—	-2.54%	0.09%	—	-0.13%	—	1.42%	—	-4.63%	5.73%	—	8.65%	—	-4.81%	—	-2.95%	7.06%	—	—	—
Employee Cost	10,312	2,811	7,500	2,652	4,849	2,452	2,396	10,300	2,882	7,417	2,441	4,976	2,631	2,345	9,188	2,544	6,645	2,209	4,436	2,178	2,257	8,392	7,056	6,473
Other administrative Exps	7,687	2,103	5,584	1,895	3,689	1,860	1,829	6,676	1,723	4,953	1,673	3,280	1,724	1,556	5,891	1,587	4,304	1,443	2,861	1,494	1,367	5,590	4,897	4,366
−Total Operating Expenses	17,998	4,914	13,084	4,547	8,538	4,313	4,225	16,975	4,605	12,370	4,114	8,256	4,355	3,900	15,079	4,130	10,949	3,653	7,296	3,672	3,625	13,982	11,952	10,839
Profit before Tax and Provisions	17,049	5,026	12,023	4,193	7,830	3,821	4,009	16,412	4,885	11,527	3,703	7,825	4,147	3,677	14,069	3,557	10,511	3,004	7,508	3,756	3,752	13,393	9,988	10,273
--growth y-o-y	—	—	4.30%	13.24%	0.07%	-7.87%	9.03%	16.66%	37.32%	9.66%	23.26%	4.23%	10.43%	-1.99%	5.05%	-14.98%	14.14%	-17.74%	35.10%	11.30%	71.89%	34.08%	-2.77%	-10.82%
--growth q-o-q	—	—	—	9.73%	—	-4.70%	-17.92%	—	31.93%	—	-10.73%	—	12.78%	3.38%	—	18.42%	—	-20.01%	—	0.10%	-10.32%	—	—	—
Provision for NPA	3,393	1,211	2,182	605	1,577	472	1,104	4,593	1,347	3,246	603	2,643	1,427	1,216	4,109	2,043	2,067	612	1,455	678	777	3,602	2,943	6,613
Others Provisions	2,777	475	−69	−29	−40	−31	−8	−615	−9	−606	−299	−307	−384	78	−140	−217	77	−111	188	140	47	3,561	1,479	423
−Total Provisions	3,103	990	2,113	576	1,537	441	1,096	3,978	1,338	2,640	304	2,336	1,043	1,293	3,970	1,826	2,144	501	1,642	818	824	7,163	4,422	7,036
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	0
Profit Before tax	17,049	5,026	9,910	3,617	6,293	3,380	2,913	12,434	3,547	8,887	3,399	5,488	3,104	2,384	10,099	1,731	8,368	2,503	5,865	2,937	2,928	6,229	5,567	3,237
Income Tax	3,419	1,020	2,398	912	1,486	825	661	3,215	921	2,294	882	1,412	731	681	3,781	292	3,489	633	2,856	1,479	1,377	2,206	2,162	1,076
effective tax rate	24.51%	25.28%	24.20%	25.22%	23.62%	24.41%	22.70%	25.86%	25.97%	25.81%	25.96%	25.73%	23.54%	28.58%	37.44%	16.88%	41.69%	25.30%	48.69%	50.35%	47.02%	35.42%	38.84%	33.26%
Net Profit	10,527	3,016	7,511	2,705	4,807	2,555	2,252	9,219	2,626	6,593	2,517	4,076	2,374	1,703	6,318	1,439	4,879	1,870	3,010	1,458	1,551	4,023	3,405	2,160
--growth y-o-y	—	—	13.93%	7.47%	17.91%	7.62%	32.27%	45.92%	82.49%	35.13%	34.62%	35.45%	62.76%	9.78%	57.05%	6.55%	82.56%	62.42%	97.80%	51.92%	176.24%	18.16%	57.60%	—
--growth q-o-q	—	—	—	5.88%	—	13.43%	-14.23%	—	4.34%	—	6.02%	—	39.40%	18.33%	—	-23.03%	—	28.19%	—	-5.97%	14.86%	—	—	—
Business Numbers (₹ Crores)
Total Business	16,98,662	16,98,662	16,27,601	16,27,601	15,62,446	15,62,446	15,06,142	14,82,588	14,82,588	14,46,295	14,46,295	13,97,100	13,97,100	13,64,660	13,23,515	13,23,515	12,72,886	12,72,886	12,46,879	12,46,879	12,14,808	11,85,438	10,84,910	10,37,550
Gross Advances	7,71,391	7,71,391	7,40,314	7,40,314	7,09,145	7,09,145	6,72,444	6,66,047	6,66,047	6,51,507	6,51,507	6,21,919	6,21,919	6,00,264	5,85,595	5,85,595	5,65,059	5,65,059	5,43,128	5,43,128	5,18,264	5,15,852	4,57,014	4,10,436
- Gross Advances Growth YoY	7,71,391	7,71,391	13.63%	13.63%	14.03%	14.03%	12.02%	13.74%	13.74%	15.30%	15.30%	14.51%	14.51%	15.82%	13.52%	13.52%	11.29%	11.29%	9.99%	9.99%	8.48%	12.87%	11.35%	-1.46%
Net Advances	7,60,335	7,60,335	7,27,959	7,27,959	6,95,660	6,95,660	6,57,754	6,49,657	6,49,657	6,32,868	6,32,868	6,00,006	6,00,006	5,78,145	5,63,145	5,63,145	5,42,296	5,42,296	5,19,089	5,19,089	4,91,502	4,85,900	4,20,842	3,65,687
- Net Advances Growth YoY	7,60,335	7,60,335	15.03%	15.03%	15.94%	15.94%	13.77%	15.36%	15.36%	16.70%	16.70%	15.59%	15.59%	17.63%	15.90%	15.90%	13.90%	13.90%	12.79%	12.79%	11.02%	15.46%	15.08%	-0.87%
Deposits	9,27,271	9,27,271	8,87,287	8,87,287	8,53,301	8,53,301	8,33,698	8,16,541	8,16,541	7,94,788	7,94,788	7,75,181	7,75,181	7,64,396	7,37,920	7,37,920	7,07,827	7,07,827	7,03,751	7,03,751	6,96,544	6,69,586	6,27,896	6,27,114
- Deposit Growth YoY	13.56%	13.56%	11.64%	11.64%	10.08%	10.08%	9.07%	10.65%	10.65%	12.29%	12.29%	10.15%	10.15%	9.74%	10.21%	10.21%	8.28%	8.28%	8.68%	8.68%	8.71%	6.64%	0.12%	12.89%
--Savings deposits	9,27,271	9,27,271	—	—	—	—	—	2,44,702	2,44,702	2,40,824	2,40,824	2,41,336	2,41,336	2,36,893	2,36,513	2,36,513	2,27,000	2,27,000	2,26,266	2,26,266	2,25,020	2,21,349	2,15,638	1,96,503
Growth YoY	—	—	—	—	—	—	—	3.46%	3.46%	6.09%	6.09%	6.66%	6.66%	5.28%	6.85%	6.85%	6.05%	6.05%	5.69%	5.69%	6.21%	2.65%	9.74%	14.44%
--Current deposits	9,27,271	9,27,271	—	—	—	—	—	35,581	35,581	36,366	36,366	34,282	34,282	38,080	33,359	33,359	34,335	34,335	30,690	30,690	35,596	30,800	29,826	28,166
Growth YoY	—	—	—	—	—	—	—	6.66%	6.66%	5.92%	5.92%	11.70%	11.70%	6.98%	8.31%	8.31%	5.10%	5.10%	9.04%	9.04%	16.94%	3.27%	5.89%	8.14%
CASA	3,00,765	3,00,765	2,89,620	2,89,620	2,86,492	2,86,492	2,81,846	2,80,283	2,80,283	2,77,190	2,77,190	2,75,618	2,75,618	2,74,973	2,69,872	2,69,872	2,61,335	2,61,335	2,56,956	2,56,956	2,60,616	2,52,149	2,45,464	2,24,669
-- % of Domestic Deposits	9,27,271	9,27,271	37.97%	37.97%	39.39%	39.39%	39.88%	40.28%	40.28%	41.05%	41.05%	41.18%	41.18%	42.68%	43.21%	43.21%	43.88%	43.88%	43.13%	43.13%	44.52%	44.73%	45.02%	41.27%
	—																						—
Gross NPAs	15,306	15,306	16,714	16,714	18,014	18,014	19,640	21,749	21,749	24,048	24,048	27,455	27,455	27,716	29,183	29,183	30,237	30,237	31,719	31,719	34,582	37,686	45,605	56,535
Net NPAs	4,250	4,250	4,359	4,359	4,530	4,530	4,950	5,358	5,358	5,410	5,410	5,648	5,648	5,702	6,845	6,845	7,627	7,627	7,978	7,978	8,119	8,054	9,852	12,262
Restructured Account	—	—	—	—	—	—	—	0	—	—	—	—	—	—	0	—	—	—	—	—	—	0	0	0
% of Gross NPAs	15,306	15,306	2.26%	2.26%	2.54%	2.54%	2.92%	3.27%	3.27%	3.69%	3.69%	4.41%	4.41%	4.62%	4.98%	4.98%	5.35%	5.35%	5.84%	5.84%	6.67%	7.31%	9.98%	13.77%
% of Net NPAs	4,250	4,250	0.60%	0.60%	0.65%	0.65%	0.75%	0.82%	0.82%	0.85%	0.85%	0.94%	0.94%	0.99%	1.22%	1.22%	1.41%	1.41%	1.54%	1.54%	1.65%	1.66%	2.34%	3.35%
Credit Cost (%)	0.48%	0.69%	0.43%	0.36%	0.49%	0.29%	0.71%	0.76%	0.89%	0.74%	0.41%	0.94%	1.02%	0.91%	0.78%	1.56%	0.54%	0.48%	0.59%	0.55%	0.67%	0.79%	0.75%	1.80%
PCR without Tech W/off (%)	72.23%	72.23%	73.92%	73.92%	74.85%	74.85%	74.80%	75.36%	75.36%	77.50%	77.50%	79.43%	79.43%	79.43%	76.54%	76.54%	74.78%	74.78%	74.85%	74.85%	76.52%	78.63%	78.40%	78.31%
PCR with Tech W/off (%)	72.23%	72.23%	93.60%	93.60%	93.39%	93.39%	92.94%	92.39%	92.39%	92.48%	92.48%	92.22%	92.22%	92.11%	90.59%	90.59%	89.95%	89.95%	89.58%	89.58%	89.52%	89.68%	87.76%	86.24%
	—																						—
Equity Share Capital	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,553	4,104	4,104	4,104	4,104	4,104	3,278
Govt Holding	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	73.38%	81.41%	81.41%	81.41%	81.41%	81.41%	89.10%
Networth	75,278	75,278	72,170	72,170	68,882	68,882	66,862	66,059	66,059	62,364	62,364	59,401	59,401	56,850	55,118	55,118	53,469	53,469	46,486	46,486	44,175	41,127	36,933	27,611
Capital Adequacy Ratio	18.01%	18.01%	17.09%	17.09%	16.69%	16.69%	17.39%	17.77%	17.77%	16.00%	16.00%	16.63%	16.63%	16.18%	14.93%	14.93%	16.06%	16.06%	15.63%	15.63%	15.60%	16.28%	16.51%	14.93%
CET 1	15.05%	15.05%	13.76%	13.76%	13.89%	13.89%	14.52%	14.84%	14.84%	12.96%	12.96%	13.52%	13.52%	13.62%	14.24%	14.24%	13.16%	13.16%	12.60%	12.60%	13.02%	13.60%	13.49%	11.51%
Net Interest Margin (%)	2.52%	2.58%	2.51%	2.57%	2.48%	2.41%	2.55%	2.82%	2.61%	2.90%	2.80%	2.94%	2.82%	3.07%	2.97%	2.92%	2.98%	2.85%	3.05%	3.08%	3.03%	3.01%	2.36%	2.48%
Cost to Income Ratio	51.35%	49.44%	52.11%	52.02%	52.16%	53.02%	51.31%	50.84%	48.53%	51.76%	52.63%	51.34%	51.22%	51.47%	51.73%	53.73%	51.02%	54.87%	49.29%	49.44%	49.14%	51.08%	54.48%	51.34%
Return on Assets	0.93%	1.01%	0.90%	0.96%	0.87%	0.91%	0.82%	0.90%	0.98%	0.87%	0.96%	0.82%	0.94%	0.70%	0.70%	0.61%	0.72%	0.82%	0.68%	0.67%	0.71%	0.49%	0.43%	0.28%
Return on Equity	14.90%	16.36%	14.49%	15.34%	14.14%	14.94%	13.55%	15.27%	16.41%	14.97%	16.53%	14.24%	16.33%	13.48%	13.13%	10.57%	13.75%	14.96%	13.74%	12.87%	14.90%	10.31%	10.55%	8.81%
Book Value Per Share	165.32	165.32	158.50	158.50	151.28	151.28	146.84	145.07	145.07	136.96	136.96	130.45	130.45	124.85	121.05	121.05	117.43	117.43	113.26	113.26	107.63	100.20	89.99	84.24
Adj Book Value Per Share	165.32	165.32	151.80	151.80	144.31	144.31	139.23	136.84	136.84	128.64	128.64	121.77	121.77	116.09	110.53	110.53	105.70	105.70	99.65	99.65	93.78	86.47	73.18	58.05
Earning per share	23.12	6.62	16.50	5.94	10.56	5.61	4.95	20.25	5.77	14.48	5.53	8.95	5.21	3.74	13.88	3.16	10.72	4.11	7.33	3.55	3.78	9.80	8.30	6.59
DPS	4.65	—	—	—	—	—	—	4.05	—	—	—	—	—	—	2.80	—	—	—	—	—	—	2.00	2.00	0.00
Dividend Payout	20.11%	—	—	—	—	—	—	20.00%	—	—	—	—	—	—	20.18%	—	—	—	—	—	—	20.40%	24.11%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	53,472	14,055	70.79%	72.28%	70.02%	70.33%	69.70%	70.66%	71.30%	70.44%	70.94%	70.17%	69.54%	70.81%	70.63%	71.93%	70.16%	72.19%	69.11%	70.72%	67.42%	70.03%	67.87%	67.51%
Income on Investments	18,050	4,461	24.40%	23.44%	24.90%	24.61%	25.19%	24.29%	23.70%	24.50%	24.86%	24.31%	24.75%	23.85%	23.26%	22.65%	23.48%	23.02%	23.73%	23.26%	24.21%	25.07%	29.20%	28.44%
Interest on bal with RBI and others	2,777	475	4.13%	3.60%	4.41%	4.28%	4.54%	4.51%	4.88%	4.38%	4.05%	4.56%	4.74%	4.38%	4.76%	4.54%	4.84%	4.52%	5.01%	5.23%	4.79%	3.50%	1.64%	2.81%
Others	2,777	475	0.68%	0.68%	0.67%	0.78%	0.56%	0.54%	0.13%	0.68%	0.15%	0.96%	0.97%	0.96%	1.34%	0.87%	1.51%	0.27%	2.15%	0.79%	3.58%	1.41%	1.30%	1.24%
other income	9,874	3,210	11.97%	12.04%	11.93%	12.06%	11.80%	12.70%	18.71%	10.60%	9.59%	11.14%	14.51%	7.69%	10.04%	10.84%	9.75%	7.84%	10.74%	11.27%	10.19%	14.90%	20.69%	16.85%
Total Interest Expense	49,989	12,746	66.88%	65.87%	67.40%	67.87%	66.94%	65.56%	66.91%	65.09%	66.67%	64.25%	65.51%	62.95%	62.03%	63.27%	61.58%	64.10%	60.27%	61.66%	58.81%	57.45%	63.07%	64.85%
Net Interest Income	25,173	6,730	33.12%	34.13%	32.60%	32.13%	33.06%	34.44%	33.09%	34.91%	33.33%	35.75%	34.49%	37.05%	37.97%	36.73%	38.42%	35.90%	39.73%	38.34%	41.19%	42.55%	36.93%	35.15%
Wages	—	—	13.47%	14.01%	13.19%	13.32%	13.06%	14.54%	15.73%	14.13%	13.41%	14.51%	15.16%	13.84%	15.14%	15.74%	14.92%	14.52%	15.12%	14.55%	15.72%	17.61%	18.53%	15.94%
Other administrative Exps	7,687	2,103	10.03%	10.01%	10.04%	10.11%	9.96%	9.43%	9.41%	9.43%	9.19%	9.56%	9.93%	9.18%	9.70%	9.82%	9.66%	9.48%	9.75%	9.98%	9.52%	11.73%	12.86%	10.75%
−Total Operating Expenses	17,998	4,914	23.50%	24.02%	23.23%	23.43%	23.02%	23.97%	25.13%	23.56%	22.59%	24.07%	25.10%	23.03%	24.84%	25.55%	24.58%	24.00%	24.88%	24.53%	25.24%	29.34%	31.39%	26.70%
Profit before Tax and Provisions	17,049	5,026	21.59%	22.15%	21.30%	20.76%	21.85%	23.17%	26.66%	21.96%	20.33%	22.82%	23.90%	21.71%	23.17%	22.01%	23.60%	19.74%	25.60%	25.09%	26.13%	28.11%	26.23%	25.30%
PBT	—	—	17.80%	19.11%	17.12%	18.36%	15.87%	17.56%	19.36%	16.93%	18.66%	16.00%	17.89%	14.08%	16.64%	10.71%	18.78%	16.45%	20.00%	19.62%	20.39%	13.07%	14.62%	7.97%
Income Tax	3,419	1,020	4.31%	4.82%	4.04%	4.48%	3.60%	4.54%	5.03%	4.37%	4.84%	4.12%	4.21%	4.02%	6.23%	1.81%	7.83%	4.16%	9.74%	9.88%	9.59%	4.63%	5.68%	2.65%
PAT	—	—	13.49%	14.29%	13.08%	13.88%	12.27%	13.02%	14.33%	12.56%	13.82%	11.89%	13.68%	10.05%	10.41%	8.90%	10.95%	12.28%	10.26%	9.74%	10.80%	8.44%	8.94%	5.32%

Indian Bank

NSE: INBK · Individual Quarterly Financials · Figures in ₹ Crores

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₹9,053 Cr

Net Profit · FY26

3.25%

NIM · FY26

2.23%

GNPA % · FY26

0.15%

NNPA % · FY26

19.66%

ROE · FY26

1.32%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	48,854	12,702	36,151	12,449	23,702	11,964	11,738	44,856	11,457	33,400	11,426	21,973	11,125	10,849	40,619	10,636	29,982	10,349	19,633	10,030	9,603	31,941	26,971	27,455
Income on Investments	16,068	4,105	11,963	4,002	7,961	4,016	3,945	15,315	3,904	11,412	3,884	7,527	3,793	3,734	13,402	3,549	9,853	3,420	6,433	3,347	3,086	11,647	10,965	11,167
Interest on bal with RBI and others	1,649	438	1,211	390	821	427	394	1,585	387	1,198	408	790	389	402	1,386	416	970	376	594	325	268	878	851	425
Others	1,649	438	645	257	389	182	207	245	109	136	40	96	41	55	208	22	185	52	133	41	92	476	69	59
−Total Fund based income	67,451	17,480	49,970	17,098	32,873	16,590	16,283	62,002	15,856	46,146	15,759	30,387	15,348	15,039	55,615	14,624	40,990	14,198	26,793	13,743	13,049	44,942	38,856	39,106
--growth y-o-y	8.79%	10.25%	8.29%	8.49%	8.18%	8.09%	8.27%	11.49%	8.42%	12.58%	11.00%	13.41%	11.67%	15.25%	23.75%	19.44%	25.36%	19.97%	28.42%	28.32%	28.52%	15.66%	-0.64%	82.69%
--growth q-o-q	—	2.24%	—	3.06%	—	1.89%	2.69%	—	0.61%	—	2.68%	—	2.05%	2.84%	—	3.01%	—	3.31%	—	5.32%	6.57%	—	—	—
Other Income	9,991	2,500	7,491	2,566	4,925	2,487	2,439	9,223	2,743	6,480	2,153	4,328	2,422	1,906	7,867	2,263	5,604	1,902	3,703	1,993	1,710	7,143	6,971	6,079
Total Income	77,441	19,980	57,461	19,663	37,798	19,077	18,721	71,226	18,599	52,626	17,912	34,714	17,770	16,945	63,482	16,887	46,594	16,099	30,495	15,736	14,759	52,085	45,828	45,185
Total Interest Expense	40,536	10,371	30,165	10,202	19,963	10,039	9,924	36,826	9,467	27,359	9,345	18,014	9,153	8,861	32,341	8,609	23,732	8,383	15,349	8,003	7,346	24,717	22,128	23,440
--growth y-o-y	—	—	10.25%	9.17%	10.82%	9.68%	11.99%	13.87%	9.96%	15.28%	11.47%	17.37%	14.37%	20.63%	30.85%	27.81%	31.99%	32.33%	31.80%	32.81%	30.72%	11.70%	-5.60%	69.87%
--growth q-o-q	—	—	—	1.62%	—	1.16%	4.83%	—	1.30%	—	2.09%	—	3.30%	2.93%	—	2.69%	—	4.75%	—	8.95%	9.05%	—	—	—
Net Interest Income	26,915	7,110	19,805	6,896	12,910	6,551	6,359	25,176	6,389	18,787	6,415	12,372	6,194	6,178	23,273	6,015	17,258	5,814	11,444	5,740	5,704	20,225	16,728	15,666
--growth y-o-y	—	—	5.42%	7.50%	4.34%	5.76%	2.93%	8.18%	6.22%	8.86%	10.33%	8.11%	7.91%	8.32%	15.07%	9.21%	17.26%	5.73%	24.15%	22.55%	25.79%	20.91%	6.78%	105.96%
--growth q-o-q	—	—	—	5.26%	—	3.02%	-0.48%	—	-0.40%	—	3.56%	—	0.26%	2.70%	—	3.46%	—	1.29%	—	0.64%	3.54%	—	—	—
Employee Cost	10,760	2,712	8,049	2,785	5,263	2,651	2,612	9,884	2,701	7,183	2,417	4,766	2,464	2,301	9,265	2,633	6,631	2,336	4,295	2,177	2,119	7,527	6,696	6,378
Other administrative Exps	6,229	1,612	4,617	1,652	2,965	1,550	1,415	5,518	1,413	4,105	1,401	2,704	1,423	1,281	5,036	1,340	3,696	1,283	2,413	1,254	1,160	4,571	4,231	3,971
−Total Operating Expenses	16,989	4,323	12,666	4,438	8,228	4,201	4,027	15,402	4,114	11,288	3,818	7,470	3,888	3,582	14,300	3,973	10,328	3,619	6,709	3,430	3,278	12,098	10,927	10,350
Profit before Tax and Provisions	19,916	5,286	14,630	5,024	9,607	4,837	4,770	18,998	5,019	13,980	4,749	9,230	4,729	4,502	16,840	4,305	12,535	4,097	8,437	4,303	4,135	15,271	12,773	11,396
--growth y-o-y	—	—	4.66%	5.77%	4.08%	2.28%	5.97%	12.82%	16.58%	11.53%	15.92%	9.40%	9.90%	8.87%	10.27%	7.21%	11.37%	0.88%	17.29%	18.56%	16.00%	19.56%	12.09%	75.37%
--growth q-o-q	—	—	—	3.87%	—	1.39%	-4.95%	—	5.67%	—	0.44%	—	5.04%	4.57%	—	5.07%	—	-4.78%	—	4.07%	2.97%	—	—	—
Provision for NPA	1,833	748	1,085	315	769	382	387	3,444	1,100	2,344	611	1,733	837	896	3,653	899	2,753	906	1,848	918	930	6,516	8,447	7,318
Others Provisions	1,649	438	1,202	542	660	356	304	767	−305	1,072	448	624	262	362	2,236	348	1,887	444	1,444	633	811	2,840	1,122	1,172
−Total Provisions	3,512	1,226	2,287	857	1,430	739	691	4,211	795	3,417	1,059	2,358	1,099	1,258	5,888	1,248	4,641	1,349	3,291	1,551	1,741	9,356	9,569	8,490
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	0
Profit Before tax	19,916	5,286	12,344	4,167	8,177	4,098	4,079	14,787	4,224	10,563	3,690	6,873	3,629	3,243	10,951	3,057	7,894	2,748	5,146	2,752	2,394	5,914	3,204	2,906
Income Tax	4,248	957	3,291	1,105	2,186	1,080	1,106	3,869	1,268	2,601	838	1,763	923	840	2,888	810	2,078	628	1,450	764	685	633	−741	−99
effective tax rate	25.90%	23.57%	26.66%	26.52%	26.73%	26.35%	27.12%	26.16%	30.02%	24.62%	22.71%	25.65%	25.43%	25.89%	26.37%	26.50%	26.32%	22.87%	28.17%	27.77%	28.62%	10.70%	-23.11%	-3.41%
Net Profit	12,156	3,103	9,053	3,061	5,991	3,018	2,973	10,918	2,956	7,962	2,852	5,110	2,706	2,403	8,063	2,247	5,816	2,119	3,697	1,988	1,709	5,282	3,945	3,005
--growth y-o-y	—	—	13.69%	7.33%	17.24%	11.52%	23.69%	35.41%	31.56%	36.90%	34.59%	38.23%	36.16%	40.65%	52.66%	55.26%	51.68%	51.84%	51.58%	62.24%	40.83%	33.89%	31.29%	2.99%
--growth q-o-q	—	—	—	1.43%	—	1.53%	0.57%	—	3.64%	—	5.39%	—	12.61%	6.96%	—	6.02%	—	6.62%	—	16.32%	18.07%	—	—	—
Business Numbers (₹ Crores)
Total Business	14,94,839	14,94,839	14,29,771	14,29,771	13,97,270	13,97,270	13,45,436	13,25,294	13,25,294	12,61,481	12,61,481	12,43,759	12,43,759	12,20,306	12,21,773	12,21,773	11,63,954	11,63,954	11,33,091	11,33,091	11,00,943	10,94,752	10,09,243	9,28,388
Gross Advances	6,67,113	6,67,113	6,38,848	6,38,848	6,20,324	6,20,324	6,01,147	5,88,140	5,88,140	5,59,199	5,59,199	5,50,644	5,50,644	5,39,123	5,33,773	5,33,773	5,09,800	5,09,800	4,92,288	4,92,288	4,79,404	4,73,586	4,15,625	3,90,317
- Gross Advances Growth YoY	6,67,113	6,67,113	14.24%	14.24%	12.65%	12.65%	11.50%	10.19%	10.19%	9.69%	9.69%	11.85%	11.85%	12.46%	12.71%	12.71%	12.87%	12.87%	12.41%	12.41%	12.75%	13.95%	6.48%	5.87%
Net Advances	6,54,888	6,54,888	6,25,547	6,25,547	6,05,172	6,05,172	5,84,116	5,71,071	5,71,071	5,42,117	5,42,117	5,32,942	5,32,942	5,20,847	5,14,889	5,14,889	4,89,592	4,89,592	4,70,627	4,70,627	4,56,375	4,49,297	3,89,186	3,62,669
- Net Advances Growth YoY	6,54,888	6,54,888	15.39%	15.39%	13.55%	13.55%	12.15%	10.91%	10.91%	10.73%	10.73%	13.24%	13.24%	14.13%	14.60%	14.60%	14.79%	14.79%	14.21%	14.21%	14.35%	15.45%	7.31%	6.70%
Deposits	8,27,726	8,27,726	7,90,923	7,90,923	7,76,946	7,76,946	7,44,289	7,37,154	7,37,154	7,02,282	7,02,282	6,93,115	6,93,115	6,81,183	6,88,000	6,88,000	6,54,154	6,54,154	6,40,803	6,40,803	6,21,539	6,21,166	5,93,618	5,38,071
- Deposit Growth YoY	12.29%	12.29%	12.62%	12.62%	12.09%	12.09%	9.26%	7.14%	7.14%	7.36%	7.36%	8.16%	8.16%	9.60%	10.76%	10.76%	9.55%	9.55%	8.82%	8.82%	6.38%	4.64%	10.32%	10.10%
--Savings deposits	8,27,726	8,27,726	2,53,274	2,53,274	2,48,561	2,48,561	2,38,865	2,43,224	2,43,224	2,33,534	2,33,534	2,33,201	2,33,201	2,31,378	2,41,494	2,41,494	2,25,698	2,25,698	2,23,580	2,23,580	2,17,386	2,24,952	2,11,206	1,95,250
--growth y-o-y	—	—	8.45%	8.45%	6.59%	6.59%	3.24%	0.72%	0.72%	3.47%	3.47%	4.30%	4.30%	6.44%	7.35%	7.35%	6.96%	6.96%	7.61%	7.61%	5.79%	6.51%	8.17%	12.00%
--Current deposits	8,27,726	8,27,726	42,407	42,407	40,281	40,281	37,699	39,630	39,630	35,599	35,599	36,158	36,158	34,487	38,993	38,993	33,814	33,814	33,447	33,447	32,856	35,857	36,720	32,345
--growth y-o-y	—	—	19.12%	19.12%	11.40%	11.40%	9.31%	1.63%	1.63%	5.28%	5.28%	8.11%	8.11%	4.96%	8.75%	8.75%	11.96%	11.96%	0.40%	0.40%	1.17%	-2.35%	13.53%	32.00%
CASA	3,13,548	3,13,548	2,95,681	2,95,681	2,88,842	2,88,842	2,76,564	2,82,854	2,82,854	2,69,133	2,69,133	2,69,359	2,69,359	2,65,865	2,80,487	2,80,487	2,59,512	2,59,512	2,57,027	2,57,027	2,50,242	2,60,809	2,47,926	2,27,595
-- Domestic CASA Ratio	3,13,548	3,13,548	39.15%	39.15%	38.94%	38.94%	38.97%	40.24%	40.24%	40.07%	40.07%	40.55%	40.55%	40.65%	42.38%	42.38%	41.23%	41.23%	41.46%	41.46%	41.57%	42.89%	42.41%	43.00%
Gross NPAs	13,190	13,190	14,268	14,268	16,135	16,135	18,067	18,179	18,179	18,208	18,208	19,148	19,148	20,302	21,106	21,106	22,787	22,787	24,488	24,488	26,227	28,180	35,214	38,455
Net NPAs	965	965	968	968	983	983	1,036	1,110	1,110	1,127	1,127	1,445	1,445	2,027	2,223	2,223	2,579	2,579	2,826	2,826	3,198	4,043	8,849	12,271
% of Gross NPAs	13,190	13,190	2.23%	2.23%	2.60%	2.60%	3.01%	3.09%	3.09%	3.26%	3.26%	3.48%	3.48%	3.77%	3.95%	3.95%	4.47%	4.47%	4.97%	4.97%	5.47%	5.95%	8.47%	9.85%
% of Net NPAs	965	965	0.15%	0.15%	0.16%	0.16%	0.18%	0.19%	0.19%	0.21%	0.21%	0.27%	0.27%	0.39%	0.43%	0.43%	0.53%	0.53%	0.60%	0.60%	0.70%	0.90%	2.27%	3.37%
Credit Cost (%)	0.30%	0.49%	0.25%	0.22%	0.27%	0.27%	0.28%	0.63%	0.81%	0.61%	0.47%	0.69%	0.67%	0.73%	0.76%	0.75%	0.80%	0.79%	0.84%	0.83%	0.87%	1.55%	2.25%	2.08%
PCR without Tech W/off (%)	92.68%	92.68%	93.22%	93.22%	93.91%	93.91%	94.27%	93.90%	93.90%	93.81%	93.81%	92.45%	92.45%	90.02%	89.47%	89.47%	88.68%	88.68%	88.46%	88.46%	87.81%	85.65%	74.87%	68.09%
PCR with Tech W/off (%)	92.68%	92.68%	98.28%	98.28%	98.28%	98.28%	98.20%	98.10%	98.10%	98.09%	98.09%	97.60%	97.60%	96.66%	96.34%	96.34%	95.90%	95.90%	95.64%	95.64%	95.10%	93.82%	87.38%	82.12%
	—																						—
Equity Share Capital	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,347	1,245	1,245	1,245	1,245	1,245	1,129
Govt Holding	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	73.84%	79.86%	79.86%	79.86%	79.86%	79.86%	88.06%
Networth	65,628	65,628	65,193	65,193	62,951	62,951	60,383	57,029	57,029	55,552	55,552	53,096	53,096	49,826	47,491	47,491	46,837	46,837	40,867	40,867	39,029	37,431	33,625	29,812
Net Interest Margin (%)	3.24%	3.23%	3.25%	3.28%	3.23%	3.23%	3.23%	3.41%	3.37%	3.43%	3.45%	3.41%	3.39%	3.44%	3.47%	3.44%	3.47%	3.41%	3.51%	3.46%	3.56%	3.37%	2.93%	2.81%
Cost to Income Ratio	46.03%	44.99%	46.40%	46.90%	46.14%	46.48%	45.78%	44.77%	45.05%	44.67%	44.56%	44.73%	45.12%	44.31%	45.92%	47.99%	45.17%	46.90%	44.29%	44.36%	44.23%	44.20%	46.10%	47.59%
Capital Adequacy Ratio	17.93%	17.93%	16.58%	16.58%	17.31%	17.31%	17.80%	17.94%	17.94%	15.92%	15.92%	15.55%	15.55%	16.47%	16.44%	16.44%	15.58%	15.58%	15.53%	15.53%	15.78%	16.49%	16.53%	15.71%
CET 1	16.40%	16.40%	14.45%	14.45%	14.80%	14.80%	15.26%	15.57%	15.57%	13.27%	13.27%	13.51%	13.51%	13.42%	13.52%	13.52%	12.36%	12.36%	12.07%	12.07%	12.31%	12.89%	12.53%	11.27%
Return on Assets	1.31%	1.28%	1.32%	1.30%	1.33%	1.32%	1.34%	1.32%	1.37%	1.31%	1.39%	1.26%	1.33%	1.20%	1.07%	1.15%	1.04%	1.11%	1.00%	1.06%	0.95%	0.77%	0.63%	0.50%
Return on Equity	19.53%	18.98%	19.66%	19.11%	19.92%	19.58%	20.26%	20.76%	21.01%	20.62%	21.00%	20.40%	21.04%	19.76%	19.24%	19.06%	19.25%	19.92%	18.89%	19.90%	17.88%	14.73%	12.13%	10.63%
Book value per share	487.23	487.23	484.00	484.00	467.36	467.36	448.29	423.39	423.39	412.42	412.42	394.19	394.19	369.91	352.58	352.58	347.73	347.73	328.13	328.13	313.37	300.55	269.98	263.98
Adj Book Value	482.21	482.21	478.97	478.97	462.25	462.25	442.91	417.62	417.62	406.57	406.57	386.68	386.68	359.38	341.03	341.03	334.32	334.32	312.25	312.25	295.40	277.82	220.25	187.92
Earning per share	90.25	23.04	67.21	22.73	44.48	22.41	22.07	81.06	21.95	59.11	21.18	37.94	20.09	17.84	59.86	16.68	43.18	15.73	29.68	15.96	13.72	42.41	31.67	26.60
DPS	18.25	—	—	—	—	—	—	16.25	—	—	—	—	—	—	12.00	—	—	—	—	—	—	8.60	6.50	2.00
Dividend Payout	20.22%	—	—	—	—	—	—	20.05%	—	—	—	—	—	—	20.05%	—	—	—	—	—	—	20.28%	20.52%	7.52%
Cost Ratios as % of Total Income
Interest / Discount on advances	48,854	12,702	72.35%	72.81%	72.10%	72.12%	72.09%	72.35%	72.26%	72.38%	72.50%	72.31%	72.49%	72.13%	73.04%	72.73%	73.15%	72.89%	73.28%	72.98%	73.59%	71.07%	69.41%	70.21%
Income on Investments	16,068	4,105	23.94%	23.41%	24.22%	24.21%	24.23%	24.70%	24.62%	24.73%	24.65%	24.77%	24.71%	24.83%	24.10%	24.27%	24.04%	24.09%	24.01%	24.35%	23.65%	25.92%	28.22%	28.56%
Interest on bal with RBI and others	1,649	438	2.42%	2.28%	2.50%	2.57%	2.42%	2.56%	2.44%	2.60%	2.59%	2.60%	2.53%	2.67%	2.49%	2.85%	2.37%	2.65%	2.22%	2.37%	2.06%	1.95%	2.19%	1.09%
Others	1,649	438	1.29%	1.50%	1.18%	1.10%	1.27%	0.40%	0.68%	0.30%	0.26%	0.32%	0.27%	0.36%	0.37%	0.15%	0.45%	0.37%	0.50%	0.30%	0.70%	1.06%	0.18%	0.15%
Other Income	9,991	2,500	14.99%	15.01%	14.98%	14.99%	14.98%	14.88%	17.30%	14.04%	13.66%	14.24%	15.78%	12.67%	14.15%	15.47%	13.67%	13.39%	13.82%	14.50%	13.10%	15.89%	17.94%	15.55%
Total Interest Expense	40,536	10,371	60.37%	59.67%	60.73%	60.51%	60.95%	59.39%	59.70%	59.29%	59.30%	59.28%	59.64%	58.92%	58.15%	58.87%	57.90%	59.05%	57.29%	58.23%	56.29%	55.00%	56.95%	59.94%
Net Interest Income	26,915	7,110	39.63%	40.33%	39.27%	39.49%	39.05%	40.61%	40.30%	40.71%	40.70%	40.72%	40.36%	41.08%	41.85%	41.13%	42.10%	40.95%	42.71%	41.77%	43.71%	45.00%	43.05%	40.06%
Wages	—	—	16.11%	16.29%	16.01%	15.98%	16.04%	15.94%	17.04%	15.57%	15.34%	15.68%	16.06%	15.30%	16.66%	18.01%	16.18%	16.45%	16.03%	15.84%	16.24%	16.75%	17.23%	16.31%
Other administrative Exps	6,229	1,612	9.24%	9.66%	9.02%	9.34%	8.69%	8.90%	8.91%	8.90%	8.89%	8.90%	9.27%	8.52%	9.05%	9.16%	9.02%	9.04%	9.01%	9.12%	8.89%	10.17%	10.89%	10.16%
−Total Operating Expenses	16,989	4,323	25.35%	25.95%	25.03%	25.32%	24.73%	24.84%	25.95%	24.46%	24.23%	24.58%	25.33%	23.82%	25.71%	27.17%	25.20%	25.49%	25.04%	24.96%	25.12%	26.92%	28.12%	26.47%
Profit before Tax and Provisions	19,916	5,286	29.28%	29.38%	29.22%	29.15%	29.30%	30.64%	31.65%	30.29%	30.14%	30.38%	30.81%	29.93%	30.28%	29.44%	30.58%	28.86%	31.49%	31.31%	31.68%	33.98%	32.87%	29.14%
PBT	—	—	24.70%	24.37%	24.88%	24.70%	25.05%	23.85%	26.64%	22.89%	23.42%	22.62%	23.65%	21.57%	19.69%	20.90%	19.26%	19.35%	19.21%	20.02%	18.35%	13.16%	8.25%	7.43%
Income Tax	4,248	957	6.59%	6.46%	6.65%	6.51%	6.80%	6.24%	8.00%	5.64%	5.32%	5.80%	6.01%	5.58%	5.19%	5.54%	5.07%	4.43%	5.41%	5.56%	5.25%	1.41%	-1.91%	-0.25%
PAT	—	—	18.12%	17.91%	18.22%	18.19%	18.26%	17.61%	18.64%	17.25%	18.10%	16.82%	17.63%	15.98%	14.50%	15.36%	14.19%	14.93%	13.80%	14.46%	13.10%	11.75%	10.15%	7.68%

CBI

Central Bank of India

NSE: CBoI · Individual Quarterly Financials · Figures in ₹ Crores

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₹3,644 Cr

Net Profit · FY26

3.00%

NIM · FY26

2.70%

GNPA % · FY26

0.45%

NNPA % · FY26

14.29%

ROE · FY26

1.02%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	24,050	6,359	17,691	6,091	11,600	5,668	5,932	22,339	5,846	16,493	5,689	10,804	5,402	5,402	19,707	5,304	14,403	5,169	9,235	4,730	4,504	14,922	11,501	11,638
Income on Investments	10,210	2,600	7,610	2,682	4,928	2,588	2,340	10,092	2,492	7,600	2,590	5,010	2,547	2,463	9,510	2,546	6,964	2,349	4,615	2,334	2,280	8,715	9,264	10,009
Interest on bal with RBI and others	1,254	269	985	256	729	454	275	916	230	686	194	492	244	248	1,120	269	851	250	602	271	331	1,444	1,238	676
Others	1,254	269	80	5	75	34	41	318	50	267	37	231	10	221	384	218	166	41	125	15	110	461	799	407
−Total Fund based income	36,026	9,661	26,365	9,033	17,332	8,743	8,589	33,666	8,619	25,047	8,509	16,537	8,203	8,335	30,722	8,337	22,385	7,809	14,576	7,351	7,225	25,542	22,802	22,730
--growth y-o-y	7.01%	12.09%	5.26%	6.16%	4.80%	6.59%	3.04%	9.58%	3.38%	11.89%	8.97%	13.46%	11.59%	15.36%	20.28%	16.70%	21.67%	16.27%	24.78%	19.43%	30.74%	12.02%	0.31%	-3.53%
--growth q-o-q	—	6.94%	—	3.32%	—	1.80%	-0.35%	—	1.29%	—	3.74%	—	-1.59%	-0.03%	—	6.76%	—	6.24%	—	1.74%	1.14%	—	—	—
Other Income	6,377	1,150	5,228	1,935	3,292	1,507	1,786	5,855	1,814	4,041	1,229	2,812	1,647	1,165	4,711	1,362	3,350	1,330	2,020	1,061	959	4,084	2,968	3,167
Total Income	42,403	10,810	31,593	10,969	20,624	10,250	10,374	39,520	10,433	29,088	9,739	19,349	9,849	9,500	35,434	9,699	25,735	9,139	16,596	8,412	8,184	29,626	25,770	25,897
Total Interest Expense	21,855	5,659	16,197	5,531	10,666	5,460	5,205	19,769	5,220	14,549	4,969	9,579	4,792	4,787	17,826	4,796	13,030	4,657	8,372	4,323	4,049	13,855	13,315	14,485
--growth y-o-y	—	—	11.33%	11.30%	11.34%	13.94%	8.74%	10.90%	8.84%	11.66%	6.70%	14.42%	10.85%	18.22%	28.66%	32.09%	27.44%	35.70%	23.27%	26.87%	19.65%	4.06%	-8.08%	-9.09%
--growth q-o-q	—	—	—	1.29%	—	4.90%	-0.29%	—	5.05%	—	3.70%	—	0.11%	-0.19%	—	2.98%	—	7.74%	—	6.76%	11.52%	—	—	—
Net Interest Income	14,170	4,002	10,168	3,502	6,666	3,283	3,383	13,897	3,399	10,498	3,540	6,958	3,410	3,548	12,896	3,541	9,355	3,152	6,204	3,028	3,176	11,687	9,487	8,245
--growth y-o-y	—	—	-3.14%	-1.07%	-4.20%	-3.74%	-4.64%	7.76%	-4.02%	12.22%	12.32%	12.16%	12.64%	11.71%	10.35%	0.80%	14.45%	-4.04%	26.87%	10.20%	48.26%	23.19%	15.06%	8.08%
--growth q-o-q	—	—	—	6.69%	—	-2.97%	-0.45%	—	-4.00%	—	3.80%	—	-3.87%	0.19%	—	12.34%	—	4.10%	—	-4.67%	-9.59%	—	—	—
Employee Cost	7,581	1,799	5,782	2,055	3,727	1,893	1,834	7,219	1,885	5,333	1,793	3,541	1,827	1,714	6,312	1,722	4,590	1,664	2,926	1,436	1,490	5,604	3,927	4,141
Other administrative Exps	4,489	1,257	3,232	1,090	2,141	1,111	1,030	4,409	1,324	3,085	1,013	2,071	1,065	1,006	3,933	1,117	2,816	887	1,929	1,122	807	3,283	2,786	2,641
−Total Operating Expenses	12,069	3,056	9,014	3,145	5,869	3,004	2,865	11,627	3,209	8,418	2,806	5,612	2,892	2,720	10,245	2,839	7,406	2,551	4,855	2,559	2,297	8,887	6,714	6,782
Profit before Tax and Provisions	8,478	2,096	6,382	2,293	4,090	1,786	2,304	8,124	2,003	6,121	1,963	4,158	2,165	1,993	7,363	2,063	5,299	1,931	3,368	1,530	1,838	6,884	5,742	4,630
--growth y-o-y	—	—	4.26%	16.77%	-1.65%	-17.52%	15.60%	10.34%	-2.93%	15.51%	1.67%	23.45%	41.46%	8.45%	6.96%	-2.11%	10.96%	6.87%	13.45%	-12.44%	50.48%	19.89%	24.01%	6.58%
--growth q-o-q	—	—	—	28.39%	—	-22.50%	15.03%	—	2.02%	—	-9.31%	—	8.62%	-3.40%	—	6.85%	—	26.17%	—	-16.73%	-12.80%	—	—	—
Provision for NPA	1,534	647	887	276	611	144	468	2,802	830	1,972	310	1,662	341	1,322	3,408	509	2,899	727	2,172	1,929	244	3,534	2,462	5,334
Others Provisions	1,254	269	652	428	224	170	54	388	15	373	247	127	257	−131	−99	198	−297	95	−392	−961	569	704	1,019	620
−Total Provisions	2,044	504	1,540	704	835	314	521	3,190	844	2,346	557	1,789	598	1,191	3,309	707	2,602	822	1,780	967	813	4,238	3,480	5,954
Exceptional items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	545	0
Profit Before tax	8,478	2,096	4,843	1,588	3,254	1,471	1,783	4,934	1,158	3,776	1,407	2,369	1,567	802	4,053	1,356	2,697	1,109	1,588	563	1,025	2,645	1,717	−1,324
Income Tax	2,066	867	1,198	326	873	259	614	1,149	125	1,024	448	576	654	−78	1,504	549	955	391	564	−42	607	1,063	672	−436
effective tax rate	32.10%	54.49%	24.75%	20.50%	26.82%	17.57%	34.45%	23.29%	10.78%	27.12%	31.83%	24.33%	41.74%	-9.68%	37.11%	40.47%	35.42%	35.27%	35.53%	-7.52%	59.18%	40.19%	39.15%	32.94%
Net Profit	4,369	724	3,644	1,263	2,382	1,213	1,169	3,785	1,034	2,752	959	1,793	913	880	2,549	807	1,742	718	1,024	605	418	1,582	1,045	−888
--growth y-o-y	—	—	32.43%	31.67%	32.84%	32.87%	32.81%	48.50%	28.02%	57.99%	33.58%	75.10%	50.78%	110.30%	61.11%	41.38%	72.25%	56.66%	85.16%	90.29%	78.22%	51.43%	—	—
--growth q-o-q	—	—	—	4.10%	—	3.78%	13.08%	—	7.78%	—	5.05%	—	3.74%	8.99%	—	12.46%	—	18.57%	—	44.69%	-26.72%	—	—	—
Business Numbers (₹ Crores)
Total Business	8,12,438	8,12,438	7,74,106	7,74,106	7,37,938	7,37,938	7,04,485	7,02,798	7,02,798	6,68,686	6,68,686	6,44,858	6,44,858	6,35,565	6,36,756	6,36,756	6,17,368	6,17,368	6,02,284	6,02,284	5,83,261	5,77,075	5,32,404	5,06,886
Gross Advances	3,44,516	3,44,516	3,23,531	3,23,531	2,93,488	2,93,488	2,75,595	2,90,101	2,90,101	2,70,779	2,70,779	2,52,944	2,52,944	2,50,615	2,51,745	2,51,745	2,39,646	2,39,646	2,31,032	2,31,032	2,19,863	2,17,779	1,89,712	1,76,913
- Gross Advances Growth YoY	3,44,516	3,44,516	19.48%	19.48%	16.03%	16.03%	9.97%	15.24%	15.24%	12.99%	12.99%	9.48%	9.48%	13.99%	15.60%	15.60%	14.71%	14.71%	17.26%	17.26%	12.95%	14.79%	7.23%	2.71%
Net Advances	3,36,997	3,36,997	3,16,219	3,16,219	2,86,024	2,86,024	2,68,266	2,82,420	2,82,420	2,61,874	2,61,874	2,43,013	2,43,013	2,40,999	2,43,406	2,43,406	2,31,815	2,31,815	2,24,030	2,24,030	2,12,690	2,02,984	1,68,174	1,56,579
- Net Advances Growth YoY	3,36,997	3,36,997	20.75%	20.75%	17.70%	17.70%	11.31%	16.03%	16.03%	12.97%	12.97%	8.47%	8.47%	13.31%	19.91%	19.91%	19.19%	19.19%	22.17%	22.17%	23.35%	20.70%	7.41%	3.63%
Deposits	4,67,922	4,67,922	4,50,575	4,50,575	4,44,450	4,44,450	4,28,890	4,12,697	4,12,697	3,97,907	3,97,907	3,91,914	3,91,914	3,84,950	3,85,011	3,85,011	3,77,722	3,77,722	3,71,252	3,71,252	3,63,398	3,59,296	3,42,692	3,29,973
- Deposit Growth YoY	13.38%	13.38%	13.24%	13.24%	13.40%	13.40%	11.41%	7.19%	7.19%	5.34%	5.34%	5.57%	5.57%	5.93%	7.16%	7.16%	9.53%	9.53%	8.21%	8.21%	6.04%	4.85%	3.85%	5.17%
--Savings deposits	4,67,922	4,67,922	1,90,105	1,90,105	1,86,115	1,86,115	1,80,633	1,81,762	1,81,762	1,76,304	1,76,304	1,73,876	1,73,876	1,72,121	1,73,721	1,73,721	1,67,085	1,67,085	1,66,292	1,66,292	1,63,405	1,62,531	1,55,965	1,45,667
-- YoY growth	—	—	7.83%	7.83%	7.04%	7.04%	4.95%	4.63%	4.63%	5.52%	5.52%	4.56%	4.56%	5.33%	6.88%	6.88%	4.81%	4.81%	5.53%	5.53%	3.81%	4.21%	7.07%	11.88%
--Current deposits	4,67,922	4,67,922	21,668	21,668	21,501	21,501	19,889	19,411	19,411	18,803	18,803	17,394	17,394	16,742	18,248	18,248	17,457	17,457	16,546	16,546	16,686	17,781	16,515	16,259
-- YoY growth	—	—	15.24%	15.24%	23.61%	23.61%	18.80%	6.37%	6.37%	7.71%	7.71%	5.13%	5.13%	0.34%	2.63%	2.63%	4.78%	4.78%	-1.00%	-1.00%	-2.76%	7.67%	1.57%	7.83%
CASA	2,20,781	2,20,781	2,11,773	2,11,773	2,07,616	2,07,616	2,00,522	2,01,173	2,01,173	1,95,107	1,95,107	1,91,270	1,91,270	1,88,863	1,91,969	1,91,969	1,84,542	1,84,542	1,82,838	1,82,838	1,80,091	1,80,312	1,72,480	1,61,926
-- % of total Deposits	4,67,922	4,67,922	47.00%	47.00%	46.71%	46.71%	46.75%	48.75%	48.75%	49.03%	49.03%	48.80%	48.80%	49.06%	49.86%	49.86%	48.86%	48.86%	49.25%	49.25%	49.56%	50.18%	50.33%	49.07%
	—																						—
Gross NPAs	9,185	9,185	8,726	8,726	8,827	8,827	8,638	9,225	9,225	10,460	10,460	11,604	11,604	11,388	11,340	11,340	10,786	10,786	10,666	10,666	10,891	18,386	28,156	29,277
Net NPAs	1,666	1,666	1,414	1,414	1,364	1,364	1,308	1,543	1,543	1,555	1,555	1,674	1,674	1,771	3,002	3,002	2,956	2,956	3,664	3,664	3,718	3,592	6,675	9,036
% of Gross NPAs	9,185	9,185	2.70%	2.70%	3.01%	3.01%	3.13%	3.18%	3.18%	3.86%	3.86%	4.59%	4.59%	4.54%	4.50%	4.50%	4.50%	4.50%	4.62%	4.62%	4.95%	8.44%	14.84%	16.55%
% of Net NPAs	1,666	1,666	0.45%	0.45%	0.48%	0.48%	0.49%	0.55%	0.55%	0.59%	0.59%	0.69%	0.69%	0.73%	1.23%	1.23%	1.27%	1.27%	1.64%	1.64%	1.75%	1.77%	3.97%	5.77%
Credit Cost (%)	0.50%	0.84%	0.41%	0.38%	0.46%	0.22%	0.73%	1.07%	1.26%	1.07%	0.50%	1.42%	0.58%	2.33%	1.53%	0.91%	1.81%	1.36%	2.13%	3.79%	0.51%	1.90%	1.52%	3.47%
PCR without Tech W/off (%)	81.86%	81.86%	83.80%	83.80%	84.55%	84.55%	84.86%	83.27%	83.27%	85.13%	85.13%	85.57%	85.57%	84.45%	73.53%	73.53%	72.60%	72.60%	65.65%	65.65%	65.86%	80.47%	76.29%	69.13%
PCR with Tech W/off (%)	81.86%	81.86%	96.69%	96.69%	96.88%	96.88%	97.02%	96.54%	96.54%	96.54%	96.54%	96.31%	96.31%	96.17%	93.58%	93.58%	93.73%	93.73%	92.54%	92.54%	92.23%	92.48%	86.69%	82.54%
	—																						—
Equity Share Capital	9,051	9,051	9,051	9,051	9,051	9,051	9,051	9,051	9,051	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	8,681	5,876
Govt Holding	89.27%	89.27%	89.27%	89.27%	89.27%	89.27%	89.27%	89.27%	89.27%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	93.08%	89.78%
Networth	34,600	34,600	35,108	35,108	34,126	34,126	33,546	32,575	32,575	29,983	29,983	29,190	29,190	27,951	28,053	28,053	27,232	27,232	26,501	26,501	25,882	25,449	23,802	22,703
Net Interest Margin (%)	3.07%	3.25%	3.00%	2.96%	3.02%	2.89%	3.16%	3.40%	3.17%	3.49%	3.45%	3.50%	3.44%	3.57%	3.40%	3.58%	3.33%	3.28%	3.36%	3.29%	3.43%	3.47%	3.21%	2.78%
Cost to Income Ratio	58.74%	59.31%	58.55%	57.84%	58.93%	62.72%	55.43%	58.87%	61.57%	57.90%	58.83%	57.44%	57.19%	57.71%	58.18%	57.91%	58.29%	56.91%	59.04%	62.57%	55.55%	56.35%	53.90%	59.43%
Capital Adequacy Ratio	17.91%	17.91%	16.13%	16.13%	17.34%	17.34%	17.66%	17.02%	17.02%	16.43%	16.43%	16.27%	16.27%	15.68%	15.08%	15.08%	14.74%	14.74%	14.82%	14.82%	14.42%	14.12%	13.84%	14.81%
CET 1	15.61%	15.61%	13.87%	13.87%	14.98%	14.98%	15.48%	14.73%	14.73%	14.21%	14.21%	14.01%	14.01%	13.36%	12.46%	12.46%	12.17%	12.17%	12.14%	12.14%	12.13%	12.11%	11.48%	12.82%
Return on Assets	0.89%	0.56%	1.02%	1.01%	1.02%	1.01%	1.02%	0.86%	0.90%	0.85%	0.86%	0.84%	0.85%	0.82%	0.63%	0.76%	0.59%	0.69%	0.53%	0.62%	0.43%	0.44%	0.30%	-0.26%
Return on Equity	13.00%	8.43%	14.29%	14.47%	14.19%	14.22%	14.17%	12.48%	13.21%	12.64%	12.85%	12.66%	12.76%	12.56%	9.53%	11.68%	8.81%	10.68%	7.88%	9.24%	6.52%	6.42%	4.49%	-4.31%
Book value per share	38.23	38.23	38.79	38.79	37.70	37.70	37.06	35.99	35.99	34.54	34.54	33.63	33.63	32.20	32.32	32.32	31.37	31.37	30.53	30.53	29.81	29.32	27.42	38.64
Adj Book Value	36.94	36.94	37.69	37.69	36.65	36.65	36.05	34.79	34.79	33.28	33.28	32.28	32.28	30.77	29.90	29.90	28.99	28.99	27.57	27.57	26.82	26.42	22.04	27.87
Earning per share	4.83	0.80	4.03	1.39	2.63	1.34	1.29	4.18	1.14	3.17	1.10	2.07	1.05	1.01	2.94	0.93	2.01	0.83	1.18	0.70	0.48	1.82	1.20	-1.51
DPS	0.60	—	—	—	—	—	—	0.19	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00	0.00
Dividend Payout	12.43%	—	—	—	—	—	—	4.48%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	24,050	6,359	67.10%	67.42%	66.93%	64.82%	69.07%	66.36%	67.83%	65.85%	66.85%	65.33%	65.86%	64.81%	64.15%	63.62%	64.34%	66.18%	63.36%	64.35%	62.34%	58.42%	50.44%	51.20%
Income on Investments	10,210	2,600	28.86%	29.69%	28.43%	29.60%	27.25%	29.98%	28.91%	30.34%	30.44%	30.30%	31.05%	29.55%	30.96%	30.54%	31.11%	30.09%	31.66%	31.76%	31.56%	34.12%	40.63%	44.03%
Interest on bal with RBI and other banks	1,254	269	3.74%	2.83%	4.21%	5.19%	3.21%	2.72%	2.67%	2.74%	2.28%	2.98%	2.98%	2.98%	3.65%	3.22%	3.80%	3.20%	4.13%	3.69%	4.58%	5.65%	5.43%	2.97%
Others	1,254	269	0.30%	0.06%	0.43%	0.39%	0.47%	0.94%	0.59%	1.07%	0.43%	1.40%	0.12%	2.65%	1.25%	2.61%	0.74%	0.53%	0.86%	0.20%	1.52%	1.81%	3.51%	1.79%
Other Income	6,377	1,150	19.83%	21.42%	19.00%	17.23%	20.79%	17.39%	21.04%	16.13%	14.45%	17.00%	20.08%	13.98%	15.34%	16.33%	14.96%	17.03%	13.86%	14.44%	13.27%	15.99%	13.02%	13.93%
Total Interest Expense	21,855	5,659	61.43%	61.23%	61.54%	62.45%	60.61%	58.72%	60.57%	58.09%	58.40%	57.92%	58.42%	57.43%	58.02%	57.53%	58.21%	59.64%	57.44%	58.81%	56.04%	54.24%	58.39%	63.73%
Net Interest Income	14,170	4,002	38.57%	38.77%	38.46%	37.55%	39.39%	41.28%	39.43%	41.91%	41.60%	42.08%	41.58%	42.57%	41.98%	42.47%	41.79%	40.36%	42.56%	41.19%	43.96%	45.76%	41.61%	36.27%
Wages	—	—	21.93%	22.75%	21.51%	21.65%	21.36%	21.44%	21.87%	21.29%	21.07%	21.41%	22.27%	20.56%	20.55%	20.66%	20.50%	21.31%	20.07%	19.54%	20.62%	21.94%	17.22%	18.22%
Other administrative Exps	4,489	1,257	12.26%	12.07%	12.36%	12.71%	12.00%	13.10%	15.36%	12.32%	11.91%	12.52%	12.99%	12.07%	12.80%	13.40%	12.58%	11.35%	13.23%	15.27%	11.17%	12.85%	12.22%	11.62%
−Total Operating Expenses	12,069	3,056	34.19%	34.82%	33.86%	34.36%	33.36%	34.54%	37.23%	33.61%	32.98%	33.94%	35.26%	32.63%	33.35%	34.05%	33.08%	32.66%	33.31%	34.81%	31.79%	34.79%	29.44%	29.84%
Profit before Tax and Provisions	8,478	2,096	24.21%	25.38%	23.60%	20.42%	26.83%	24.13%	23.24%	24.44%	23.07%	25.14%	26.39%	23.91%	23.97%	24.75%	23.67%	24.73%	23.11%	20.82%	25.44%	26.95%	25.18%	20.37%
PBT	—	—	18.37%	17.58%	18.78%	16.83%	20.76%	14.66%	13.44%	15.07%	16.53%	14.33%	19.10%	9.63%	13.19%	16.27%	12.05%	14.20%	10.90%	7.66%	14.19%	10.36%	7.53%	-5.82%
Income Tax	2,066	867	4.55%	3.60%	5.04%	2.96%	7.15%	3.41%	1.45%	4.09%	5.26%	3.49%	7.97%	-0.93%	4.90%	6.58%	4.27%	5.01%	3.87%	-0.58%	8.39%	4.16%	2.95%	-1.92%
PAT	—	—	13.82%	13.98%	13.74%	13.87%	13.61%	11.24%	11.99%	10.99%	11.27%	10.84%	11.13%	10.56%	8.30%	9.68%	7.78%	9.19%	7.02%	8.24%	5.79%	6.19%	4.58%	-3.90%

IOB

Indian Overseas Bank

NSE: IOB · Individual Quarterly Financials · Figures in ₹ Crores

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₹3,703 Cr

Net Profit · FY26

3.19%

NIM · FY26

1.54%

GNPA % · FY26

0.24%

NNPA % · FY26

19.98%

ROE · FY26

1.20%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	23,935	6,442	17,493	6,128	11,365	5,856	5,509	20,182	5,258	14,924	5,039	9,885	5,055	4,830	17,576	4,760	12,816	4,614	8,201	4,288	3,913	13,151	10,665	10,837
Income on Investments	7,518	1,912	5,606	1,906	3,701	1,872	1,829	7,038	1,816	5,222	1,808	3,413	1,754	1,660	5,946	1,539	4,406	1,519	2,887	1,461	1,427	5,898	5,675	5,712
Interest on bal with RBI and others	295	135	161	56	105	57	48	176	42	133	47	87	42	45	229	30	199	42	157	72	84	352	230	304
Others	295	135	147	83	64	64	0	735	517	218	218	0	0	0	300	300	0	0	0	0	0	0	160	112
−Total Fund based income	31,896	8,489	23,407	8,172	15,234	7,849	7,386	28,131	7,634	20,497	7,112	13,386	6,851	6,535	24,050	6,629	17,421	6,176	11,245	5,821	5,424	19,400	16,730	16,966
--growth y-o-y	13.38%	11.21%	14.19%	14.91%	13.81%	14.57%	13.01%	16.97%	15.16%	17.66%	15.16%	19.03%	17.69%	20.48%	23.97%	27.66%	22.61%	22.15%	22.87%	23.39%	22.31%	15.96%	-1.39%	-2.53%
--growth q-o-q	—	3.87%	—	4.12%	—	6.27%	-3.25%	—	7.34%	—	3.81%	—	4.83%	-1.42%	—	7.34%	—	6.09%	—	7.31%	4.47%	—	—	—
Other Income	5,636	1,291	4,346	1,499	2,846	1,365	1,481	5,545	1,581	3,964	1,298	2,666	1,633	1,033	5,656	2,477	3,179	1,262	1,917	1,114	803	4,109	4,903	5,559
Total Income	37,532	9,780	27,752	9,672	18,081	9,214	8,866	33,676	9,215	24,461	8,409	16,052	8,484	7,568	29,706	9,106	20,600	7,437	13,163	6,935	6,227	23,509	21,633	22,525
Total Interest Expense	19,322	5,019	14,303	4,874	9,429	4,790	4,639	17,241	4,511	12,730	4,323	8,407	4,313	4,094	14,220	3,866	10,355	3,778	6,577	3,475	3,102	11,145	10,419	11,067
--growth y-o-y	—	—	12.35%	12.75%	12.15%	11.04%	13.32%	21.24%	16.68%	22.94%	14.42%	27.84%	24.12%	32.00%	27.59%	32.56%	25.83%	35.71%	20.78%	25.72%	15.68%	6.98%	-5.86%	-8.56%
--growth q-o-q	—	—	—	1.76%	—	3.24%	2.85%	—	4.35%	—	0.22%	—	5.36%	5.90%	—	2.33%	—	8.71%	—	12.05%	6.35%	—	—	—
Net Interest Income	12,574	3,470	9,104	3,299	5,805	3,059	2,746	10,890	3,123	7,767	2,789	4,978	2,537	2,441	9,829	2,763	7,066	2,398	4,669	2,346	2,323	8,255	6,311	5,899
--growth y-o-y	—	—	17.21%	18.27%	16.61%	20.57%	12.50%	10.79%	13.02%	9.92%	16.32%	6.63%	8.16%	5.09%	19.07%	21.39%	18.19%	5.55%	25.94%	20.09%	32.45%	30.80%	7.00%	11.23%
--growth q-o-q	—	—	—	7.83%	—	11.39%	-12.06%	—	11.98%	—	9.92%	—	3.94%	-11.65%	—	15.24%	—	2.21%	—	0.99%	2.05%	—	—	—
Employee Cost	4,689	1,006	3,683	1,344	2,338	1,172	1,166	4,666	1,132	3,534	1,069	2,465	1,341	1,124	6,140	2,517	3,623	1,269	2,354	1,138	1,215	4,099	3,486	3,703
Other administrative Exps	3,495	1,090	2,406	850	1,555	853	703	3,081	954	2,127	751	1,375	702	674	2,582	762	1,820	610	1,210	645	565	2,322	1,965	1,859
−Total Operating Expenses	8,184	2,096	6,088	2,195	3,894	2,025	1,869	7,747	2,086	5,661	1,820	3,841	2,042	1,798	8,722	3,279	5,443	1,879	3,563	1,783	1,781	6,421	5,451	5,562
Profit before Tax and Provisions	10,026	2,665	7,361	2,603	4,758	2,400	2,358	8,688	2,618	6,070	2,266	3,804	2,128	1,676	6,764	1,961	4,803	1,780	3,022	1,677	1,345	5,942	5,763	5,896
--growth y-o-y	—	—	21.27%	14.88%	25.08%	12.77%	40.70%	28.45%	33.49%	26.39%	27.29%	25.86%	26.90%	24.57%	13.83%	4.22%	18.28%	15.60%	19.91%	12.24%	31.08%	3.11%	-2.25%	69.40%
--growth q-o-q	—	—	—	8.46%	—	1.78%	-9.93%	—	15.53%	—	6.47%	—	26.99%	-14.55%	—	10.16%	—	6.15%	—	24.66%	-28.50%	—	—	—
Provision for NPA	833	225	608	308	300	121	178	834	200	634	400	234	71	164	2,706	409	2,297	367	1,930	1,120	809	2,858	3,401	3,943
Others Provisions	295	135	2,144	928	1,217	551	666	3,342	864	2,479	629	1,850	1,076	774	645	358	286	334	−48	−76	29	736	583	1,113
−Total Provisions	3,758	1,006	2,752	1,236	1,516	672	844	4,176	1,063	3,113	1,029	2,084	1,146	938	3,351	768	2,584	701	1,882	1,044	838	3,594	3,984	5,056
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	0
Profit Before tax	10,026	2,665	4,609	1,367	3,241	1,728	1,514	4,512	1,554	2,957	1,237	1,720	982	738	3,413	1,193	2,219	1,079	1,140	633	507	2,348	1,779	840
Income Tax	1,060	154	906	2	904	501	403	1,177	503	674	364	310	205	105	757	385	372	356	15	8	7	249	70	8
effective tax rate	16.91%	9.26%	19.67%	0.17%	27.89%	29.01%	26.61%	26.09%	32.38%	22.78%	29.39%	18.02%	20.85%	14.25%	22.18%	32.29%	16.74%	33.02%	1.35%	1.32%	1.38%	10.62%	3.91%	0.98%
Net Profit	5,208	1,505	3,703	1,365	2,337	1,226	1,111	3,335	1,051	2,284	874	1,410	777	633	2,656	808	1,847	723	1,125	625	500	2,099	1,710	831
--growth y-o-y	—	—	62.14%	56.25%	65.78%	57.81%	75.57%	25.57%	30.07%	23.61%	20.91%	25.34%	24.43%	26.47%	26.53%	24.31%	27.53%	30.14%	25.90%	24.58%	27.58%	22.77%	105.60%	—
--growth q-o-q	—	—	—	11.31%	—	10.38%	5.71%	—	20.31%	—	12.42%	—	22.81%	-21.69%	—	11.84%	—	15.69%	—	24.83%	-23.03%	—	—	—
Business Numbers (₹ Crores)
Total Business	6,78,614	6,78,614	6,44,276	6,44,276	6,17,034	6,17,034	5,93,213	5,61,958	5,61,958	5,42,753	5,42,753	5,40,801	5,40,801	5,28,773	5,04,923	5,04,923	4,94,209	4,94,209	4,82,006	4,82,006	4,55,664	4,49,892	4,17,960	3,79,884
Gross Advances	3,10,423	3,10,423	2,94,974	2,94,974	2,77,968	2,77,968	2,62,421	2,50,019	2,50,019	2,37,632	2,37,632	2,30,149	2,30,149	2,30,092	2,19,018	2,19,018	2,16,163	2,16,163	2,08,913	2,08,913	1,91,263	1,89,009	1,55,801	1,39,596
- Gross Advances Growth YoY	3,10,423	3,10,423	24.13%	24.13%	20.78%	20.78%	14.05%	14.15%	14.15%	9.93%	9.93%	10.16%	10.16%	20.30%	15.88%	15.88%	23.49%	23.49%	20.96%	20.96%	16.95%	21.31%	11.61%	3.58%
Net Advances	3,06,622	3,06,622	2,91,123	2,91,123	2,73,640	2,73,640	2,58,032	2,45,555	2,45,555	2,32,507	2,32,507	2,24,915	2,24,915	2,24,551	2,13,319	2,13,319	2,08,902	2,08,902	2,00,272	2,00,272	1,80,071	1,78,053	1,44,244	1,27,721
- Net Advances Growth YoY	3,06,622	3,06,622	25.21%	25.21%	21.66%	21.66%	14.91%	15.11%	15.11%	11.30%	11.30%	12.30%	12.30%	24.70%	19.81%	19.81%	26.85%	26.85%	23.57%	23.57%	18.30%	23.44%	12.94%	5.26%
Deposits	3,68,191	3,68,191	3,49,302	3,49,302	3,39,066	3,39,066	3,30,792	3,11,939	3,11,939	3,05,121	3,05,121	3,10,652	3,10,652	2,98,681	2,85,905	2,85,905	2,78,046	2,78,046	2,73,093	2,73,093	2,64,401	2,60,883	2,62,159	2,40,288
- Deposit Growth YoY	18.03%	18.03%	14.48%	14.48%	9.15%	9.15%	10.75%	9.11%	9.11%	9.74%	9.74%	13.75%	13.75%	12.97%	9.59%	9.59%	7.99%	7.99%	4.34%	4.34%	1.68%	-0.49%	9.10%	7.78%
--Savings deposits	3,68,191	3,68,191	1,15,970	1,15,970	1,11,066	1,11,066	1,06,778	1,08,035	1,08,035	1,03,100	1,03,100	1,02,700	1,02,700	1,00,500	1,02,589	1,02,589	98,818	98,818	1,00,823	1,00,823	97,172	97,443	96,501	85,958
--Current deposits	3,68,191	3,68,191	26,706	26,706	26,321	26,321	38,059	28,127	28,127	29,238	29,238	29,156	29,156	25,447	22,919	22,919	22,096	22,096	18,383	18,383	19,522	16,670	17,376	16,207
CASA	1,50,936	1,50,936	1,42,676	1,42,676	1,37,387	1,37,387	1,44,837	1,36,161	1,36,161	1,32,338	1,32,338	1,31,856	1,31,856	1,25,947	1,25,508	1,25,508	1,20,914	1,20,914	1,19,206	1,19,206	1,16,694	1,14,113	1,13,877	1,02,165
-- % of Total Deposits	3,68,191	3,68,191	40.85%	40.85%	40.52%	40.52%	43.78%	43.65%	43.65%	43.37%	43.37%	42.44%	42.44%	42.17%	43.90%	43.90%	43.49%	43.49%	43.65%	43.65%	44.14%	43.74%	43.44%	42.52%
	—																						—
Gross NPAs	4,410	4,410	4,530	4,530	5,078	5,078	5,178	5,348	5,348	6,071	6,071	6,249	6,249	6,649	6,794	6,794	8,441	8,441	9,893	9,893	13,629	14,072	15,299	16,323
Net NPAs	638	638	708	708	776	776	816	912	912	976	976	1,059	1,059	1,154	1,217	1,217	1,303	1,303	1,364	1,364	2,590	3,266	3,825	4,578
% of Gross NPAs	4,410	4,410	1.54%	1.54%	1.83%	1.83%	1.97%	2.14%	2.14%	2.55%	2.55%	2.72%	2.72%	2.89%	3.10%	3.10%	3.90%	3.90%	4.74%	4.74%	7.13%	7.44%	9.82%	11.69%
% of Net NPAs	638	638	0.24%	0.24%	0.28%	0.28%	0.32%	0.37%	0.37%	0.42%	0.42%	0.47%	0.47%	0.51%	0.57%	0.57%	0.62%	0.62%	0.68%	0.68%	1.44%	1.83%	2.65%	3.58%
Credit Cost (%)	0.30%	0.33%	0.31%	0.47%	0.24%	0.19%	0.30%	0.36%	0.35%	0.38%	0.72%	0.22%	0.13%	0.32%	1.38%	0.84%	1.64%	0.79%	2.13%	2.47%	1.95%	1.77%	2.50%	3.17%
PCR without Tech W/off (%)	85.54%	85.54%	84.37%	84.37%	84.71%	84.71%	84.24%	82.95%	82.95%	83.92%	83.92%	83.05%	83.05%	82.65%	82.09%	82.09%	84.57%	84.57%	86.21%	86.21%	81.00%	76.79%	75.00%	71.96%
PCR with Tech W/off (%)	85.54%	85.54%	97.49%	97.49%	97.48%	97.48%	97.47%	97.30%	97.30%	97.07%	97.07%	97.06%	97.06%	96.96%	96.85%	96.85%	96.85%	96.85%	96.76%	96.76%	94.03%	92.63%	91.66%	90.34%
	—																						—
Equity Share Capital	19,257	19,257	19,257	19,257	19,257	19,257	19,257	19,257	19,257	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	18,902	16,437
Govt Holding	92.44%	92.44%	92.44%	92.44%	94.61%	94.61%	94.61%	94.61%	94.61%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	95.84%
Networth	28,114	28,114	26,771	26,771	25,291	25,291	23,890	22,898	22,898	20,155	20,155	18,973	18,973	17,824	18,069	18,069	16,876	16,876	15,786	15,786	15,133	14,643	12,356	6,752
Net Interest Margin (%)	3.21%	3.25%	3.19%	3.32%	3.12%	3.21%	3.04%	3.25%	3.58%	3.16%	3.33%	3.07%	3.08%	3.06%	3.28%	3.53%	3.15%	3.12%	3.16%	3.12%	3.21%	2.93%	2.41%	2.39%
Cost to Income Ratio	44.94%	44.02%	45.27%	45.74%	45.01%	45.76%	44.22%	47.14%	44.35%	48.26%	44.55%	50.24%	48.97%	51.76%	56.32%	62.58%	53.12%	51.35%	54.11%	51.53%	56.96%	51.94%	48.61%	48.54%
Capital Adequacy Ratio	19.78%	19.78%	16.30%	16.30%	17.94%	17.94%	18.28%	19.74%	19.74%	16.97%	16.97%	17.45%	17.45%	17.82%	17.28%	17.28%	16.80%	16.80%	17.00%	17.00%	16.56%	16.10%	13.83%	15.32%
CET 1	16.94%	16.94%	13.99%	13.99%	15.53%	15.53%	15.78%	17.13%	17.13%	14.33%	14.33%	14.75%	14.75%	14.99%	14.47%	14.47%	13.95%	13.95%	13.81%	13.81%	13.34%	12.88%	10.71%	12.91%
Return on Assets	1.23%	1.32%	1.20%	1.28%	1.17%	1.20%	1.14%	0.92%	1.12%	0.82%	0.93%	0.76%	0.82%	0.70%	0.81%	0.94%	0.76%	0.86%	0.69%	0.75%	0.62%	0.68%	0.59%	0.27%
Return on Equity	20.42%	21.94%	19.98%	20.98%	19.48%	19.95%	19.00%	16.28%	19.53%	16.29%	17.86%	15.50%	16.90%	14.10%	16.24%	18.50%	15.77%	17.70%	14.80%	16.16%	13.44%	15.55%	17.89%	5.80%
Book value per share	14.60	14.60	13.90	13.90	13.13	13.13	12.41	11.89	11.89	10.66	10.66	10.04	10.04	9.43	9.56	9.56	8.93	8.93	8.35	8.35	8.01	7.75	6.54	4.11
Adj Book Value	14.37	14.37	13.65	13.65	12.85	12.85	12.11	11.56	11.56	10.30	10.30	9.65	9.65	9.00	9.11	9.11	8.45	8.45	7.85	7.85	7.05	6.54	5.12	2.16
Earning per share	2.70	0.78	1.92	0.71	1.21	0.64	0.58	1.73	0.55	1.21	0.46	0.75	0.41	0.33	1.40	0.43	0.98	0.38	0.60	0.33	0.26	1.11	0.90	0.51
DPS	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	—	—	—	—	—	—	0.00	0.00	0.00
Dividend Payout	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	—	—	—	—	—	—	0.00%	0.00%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	23,935	6,442	74.74%	74.98%	74.60%	74.61%	74.59%	71.74%	68.88%	72.81%	70.86%	73.85%	73.79%	73.92%	73.08%	71.81%	73.57%	74.72%	72.93%	73.67%	72.14%	67.79%	63.75%	63.88%
Income on Investments	7,518	1,912	23.95%	23.32%	24.29%	23.85%	24.76%	25.02%	23.79%	25.48%	25.43%	25.50%	25.60%	25.40%	24.72%	23.22%	25.29%	24.60%	25.67%	25.09%	26.30%	30.40%	33.92%	33.67%
Interest on bal with RBI and others	295	135	0.69%	0.69%	0.69%	0.72%	0.65%	0.63%	0.56%	0.65%	0.65%	0.65%	0.61%	0.69%	0.95%	0.45%	1.14%	0.68%	1.39%	1.24%	1.56%	1.81%	1.38%	1.79%
Others	295	135	0.63%	1.01%	0.42%	0.82%	0.00%	2.61%	6.78%	1.06%	3.06%	0.00%	0.00%	0.00%	1.25%	4.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.95%	0.66%
other income	5,636	1,291	18.57%	18.34%	18.68%	17.40%	20.05%	19.71%	20.71%	19.34%	18.24%	19.92%	23.84%	15.81%	23.52%	37.37%	18.25%	20.43%	17.05%	19.14%	14.80%	21.18%	29.31%	32.77%
Total Interest Expense	19,322	5,019	61.11%	59.64%	61.89%	61.02%	62.82%	61.29%	59.09%	62.11%	60.78%	62.81%	62.96%	62.65%	59.13%	58.32%	59.44%	61.18%	58.48%	59.70%	57.18%	57.45%	62.28%	65.23%
Net Interest Income	12,574	3,470	38.89%	40.36%	38.11%	38.98%	37.18%	38.71%	40.91%	37.89%	39.22%	37.19%	37.04%	37.35%	40.87%	41.68%	40.56%	38.82%	41.52%	40.30%	42.82%	42.55%	37.72%	34.77%
Wages	—	—	15.73%	16.45%	15.35%	14.93%	15.79%	16.59%	14.83%	17.24%	15.03%	18.42%	19.57%	17.21%	25.53%	37.97%	20.80%	20.55%	20.93%	19.55%	22.41%	21.13%	20.84%	21.83%
Other administrative Exps	3,495	1,090	10.28%	10.40%	10.21%	10.86%	9.52%	10.95%	12.50%	10.38%	10.57%	10.27%	10.24%	10.31%	10.74%	11.50%	10.45%	9.88%	10.76%	11.08%	10.42%	11.97%	11.75%	10.96%
−Total Operating Expenses	8,184	2,096	26.01%	26.85%	25.56%	25.79%	25.31%	27.54%	27.33%	27.62%	25.60%	28.69%	29.81%	27.52%	36.27%	49.47%	31.24%	30.43%	31.69%	30.63%	32.82%	33.10%	32.58%	32.78%
Profit before Tax and Provisions	10,026	2,665	31.45%	31.85%	31.23%	30.58%	31.93%	30.88%	34.29%	29.61%	31.86%	28.42%	31.07%	25.64%	28.12%	29.58%	27.57%	28.83%	26.88%	28.81%	24.80%	30.63%	34.45%	34.75%
PBT	—	—	19.69%	16.73%	21.28%	22.01%	20.50%	16.04%	20.36%	14.43%	17.40%	12.85%	14.33%	11.29%	14.19%	18.00%	12.74%	17.47%	10.14%	10.87%	9.35%	12.10%	10.63%	4.95%
Income Tax	1,060	154	3.87%	0.03%	5.93%	6.39%	5.45%	4.18%	6.59%	3.29%	5.11%	2.32%	2.99%	1.61%	3.15%	5.81%	2.13%	5.77%	0.14%	0.14%	0.13%	1.29%	0.42%	0.05%
PAT	—	—	15.82%	16.70%	15.34%	15.63%	15.04%	11.85%	13.77%	11.14%	12.28%	10.53%	11.34%	9.68%	11.04%	12.19%	10.61%	11.70%	10.00%	10.73%	9.22%	10.82%	10.22%	4.90%

BOM

Bank of Maharashtra

NSE: BOM · Individual Quarterly Financials · Figures in ₹ Crores

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₹5,005 Cr

Net Profit · FY26

3.88%

NIM · FY26

1.60%

GNPA % · FY26

0.15%

NNPA % · FY26

23.30%

ROE · FY26

1.83%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	22,490	5,985	16,505	5,647	10,858	5,451	5,407	19,292	5,233	14,058	4,917	9,141	4,684	4,458	15,826	4,264	11,562	4,026	7,537	3,864	3,673	11,486	8,232	7,154
Income on Investments	6,520	1,742	4,777	1,651	3,127	1,634	1,493	5,360	1,380	3,981	1,367	2,614	1,313	1,301	4,461	1,099	3,362	1,110	2,252	1,169	1,082	4,265	4,385	4,153
Interest on bal with RBI and others	219	17	202	26	176	32	143	203	65	138	31	107	10	96	136	86	50	18	33	16	17	52	91	315
Others	219	17	42	20	22	12	10	93	53	40	10	30	10	20	72	18	54	18	35	18	17	93	312	246
−Total Fund based income	29,282	7,755	21,526	7,344	14,182	7,128	7,054	24,947	6,731	18,217	6,325	11,892	6,017	5,875	20,495	5,467	15,028	5,171	9,857	5,068	4,789	15,897	13,019	11,869
--growth y-o-y	17.37%	15.22%	18.17%	16.12%	19.26%	18.46%	20.07%	21.73%	23.12%	21.22%	22.30%	20.65%	18.73%	22.68%	28.92%	21.61%	31.81%	25.25%	35.53%	32.84%	38.50%	22.10%	9.70%	3.25%
--growth q-o-q	—	5.60%	—	3.03%	—	1.06%	4.80%	—	6.42%	—	5.11%	—	2.43%	7.46%	—	5.71%	—	2.04%	—	5.83%	6.52%	—	—	—
Other Income	3,541	938	2,603	933	1,670	845	825	3,454	981	2,474	788	1,686	792	894	2,998	1,022	1,976	680	1,296	668	629	2,282	2,652	2,627
Total Income	32,823	8,693	24,129	8,277	15,852	7,974	7,879	28,402	7,711	20,690	7,112	13,578	6,809	6,769	23,493	6,488	17,004	5,851	11,153	5,736	5,417	18,179	15,672	14,495
Total Interest Expense	15,618	4,053	11,565	3,922	7,643	3,881	3,762	13,282	3,614	9,668	3,381	6,286	3,211	3,076	10,673	2,882	7,791	2,706	5,085	2,636	2,449	8,158	6,975	6,971
--growth y-o-y	17.59%	12.13%	19.63%	15.99%	21.58%	20.87%	22.33%	24.45%	25.40%	24.09%	24.97%	23.63%	21.80%	25.59%	30.83%	24.86%	33.19%	25.88%	37.44%	36.72%	38.22%	16.96%	0.05%	-3.40%
--growth q-o-q	—	3.33%	—	1.06%	—	3.15%	4.09%	—	6.89%	—	5.32%	—	4.39%	6.70%	—	6.53%	—	2.65%	—	7.64%	6.08%	—	—	—
Net Interest Income	13,664	3,702	9,962	3,422	6,539	3,248	3,292	11,666	3,116	8,549	2,943	5,606	2,807	2,799	9,822	2,584	7,237	2,466	4,772	2,432	2,340	7,739	6,044	4,897
--growth y-o-y	17.13%	18.81%	16.52%	16.27%	16.65%	15.71%	17.60%	18.77%	20.59%	18.12%	19.37%	17.48%	15.41%	19.63%	26.91%	18.17%	30.35%	24.56%	33.56%	28.88%	38.80%	28.04%	23.42%	14.46%
--growth q-o-q	—	8.19%	—	5.38%	—	-1.34%	5.62%	—	5.88%	—	4.86%	—	0.27%	8.31%	—	4.81%	—	1.39%	—	3.94%	6.99%	—	—	—
Employee Cost	3,376	876	2,500	798	1,702	822	880	3,442	881	2,561	850	1,712	812	900	2,838	850	1,988	646	1,341	676	666	2,058	2,071	2,255
Other administrative Exps	3,003	819	2,185	822	1,363	696	666	2,358	696	1,662	578	1,084	585	499	1,976	546	1,430	487	943	503	440	1,864	1,778	1,310
−Total Operating Expenses	6,379	1,694	4,685	1,620	3,065	1,519	1,547	5,801	1,577	4,223	1,428	2,795	1,397	1,399	4,814	1,396	3,418	1,134	2,285	1,179	1,105	3,922	3,849	3,565
Profit Before Tax and Provisions	10,826	2,946	7,880	2,736	5,144	2,574	2,570	9,319	2,520	6,799	2,303	4,496	2,202	2,294	8,005	2,210	5,796	2,012	3,784	1,920	1,863	6,099	4,848	3,959
--growth y-o-y	16.17%	16.92%	15.89%	18.78%	14.41%	16.91%	12.01%	16.41%	14.03%	17.32%	14.46%	18.83%	14.66%	23.14%	31.25%	19.10%	36.57%	27.32%	42.05%	31.37%	55.04%	25.81%	22.44%	39.07%
--growth q-o-q	—	7.69%	—	6.27%	—	0.17%	1.99%	—	9.41%	—	4.59%	—	-4.02%	3.83%	—	9.82%	—	4.77%	—	3.07%	0.43%	—	—	—
Provision for NPA	2,626	664	1,962	660	1,302	583	719	2,417	640	1,778	593	1,185	598	586	2,174	457	1,717	581	1,137	597	539	2,253	2,578	2,214
Others Provisions	219	17	389	68	321	173	148	1,179	344	836	248	588	224	364	1,472	485	986	362	624	387	237	401	314	791
−Total Provisions	2,968	617	2,351	728	1,623	756	867	3,597	983	2,613	841	1,773	822	950	3,646	942	2,704	943	1,761	985	776	2,654	2,892	3,005
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	0
Profit Before tax	10,826	2,946	5,528	2,007	3,521	1,818	1,703	5,722	1,536	4,186	1,462	2,724	1,380	1,344	4,359	1,267	3,092	1,069	2,023	936	1,087	3,445	1,956	954
Income Tax	838	315	523	228	295	185	110	203	43	159	56	103	53	50	304	50	255	34	221	16	205	843	804	404
effective tax rate	10.67%	13.52%	9.46%	11.36%	8.38%	10.19%	6.45%	3.54%	2.83%	3.81%	3.82%	3.80%	3.85%	3.75%	6.98%	3.92%	8.24%	3.17%	10.92%	1.69%	18.86%	24.47%	41.12%	42.33%
Net Profit	7,019	2,014	5,005	1,779	3,226	1,633	1,593	5,520	1,493	4,027	1,406	2,620	1,327	1,293	4,055	1,218	2,837	1,036	1,802	920	882	2,602	1,152	550
--growth y-o-y	27.17%	34.89%	24.30%	26.51%	23.11%	23.09%	23.14%	36.12%	22.62%	41.92%	35.82%	45.42%	44.25%	46.64%	55.84%	44.95%	61.03%	33.61%	82.57%	71.90%	95.19%	125.96%	109.28%	41.61%
--growth q-o-q	—	13.19%	—	8.95%	—	2.54%	6.68%	—	6.16%	—	6.01%	—	2.57%	6.23%	—	17.59%	—	12.58%	—	4.27%	5.00%	—	—	—
Business Numbers (₹ Crores)
Total Business	6,38,669	6,38,669	5,91,188	5,91,188	5,59,979	5,59,979	5,42,372	5,43,226	5,43,226	5,03,968	5,03,968	4,90,216	4,90,216	4,72,989	4,70,987	4,70,987	4,30,951	4,30,951	4,18,813	4,18,813	4,16,448	4,05,303	3,33,465	2,76,411
Gross Advances	2,91,967	2,91,967	2,73,502	2,73,502	2,54,118	2,54,118	2,41,097	2,39,837	2,39,837	2,28,642	2,28,642	2,17,504	2,17,504	2,09,031	2,03,664	2,03,664	1,88,670	1,88,670	1,83,122	1,83,122	1,75,676	1,75,120	1,35,240	1,07,654
- Gross Advances Growth YoY	2,91,967	2,91,967	19.62%	19.62%	16.83%	16.83%	15.34%	17.76%	17.76%	21.19%	21.19%	18.78%	18.78%	18.99%	16.30%	16.30%	20.20%	20.20%	23.55%	23.55%	24.98%	29.49%	25.62%	13.45%
Net Advances	2,88,104	2,88,104	2,69,527	2,69,527	2,50,188	2,50,188	2,37,326	2,36,084	2,36,084	2,24,961	2,24,961	2,13,927	2,13,927	2,05,573	2,00,240	2,00,240	1,85,217	1,85,217	1,79,515	1,79,515	1,72,083	1,71,221	1,31,170	1,02,405
- Net Advances Growth YoY	2,88,104	2,88,104	19.81%	19.81%	16.95%	16.95%	15.45%	17.90%	17.90%	21.46%	21.46%	19.17%	19.17%	19.46%	16.95%	16.95%	21.01%	21.01%	24.52%	24.52%	26.07%	30.53%	28.09%	17.88%
Deposits	3,50,564	3,50,564	3,21,661	3,21,661	3,09,791	3,09,791	3,05,046	3,07,143	3,07,143	2,79,007	2,79,007	2,76,289	2,76,289	2,67,416	2,70,747	2,70,747	2,45,734	2,45,734	2,39,298	2,39,298	2,44,365	2,34,083	2,02,294	1,74,006
- Deposit Growth YoY	14.14%	14.14%	15.29%	15.29%	12.13%	12.13%	14.07%	13.44%	13.44%	13.54%	13.54%	15.46%	15.46%	9.43%	15.66%	15.66%	17.89%	17.89%	22.18%	22.18%	24.73%	15.71%	16.26%	15.95%
--Savings deposits	3,50,564	3,50,564	1,17,050	1,17,050	1,16,367	1,16,367	1,11,127	1,17,344	1,17,344	1,02,233	1,02,233	1,01,128	1,01,128	1,02,114	1,07,806	1,07,806	95,351	95,351	94,970	94,970	96,277	96,660	88,857	75,402
--Current deposits	3,50,564	3,50,564	42,313	42,313	39,612	39,612	41,611	46,313	46,313	35,260	35,260	35,045	35,045	31,220	34,968	34,968	27,971	27,971	26,367	26,367	28,270	28,301	28,179	18,543
CASA	1,84,088	1,84,088	1,59,363	1,59,363	1,55,979	1,55,979	1,52,738	1,63,657	1,63,657	1,37,493	1,37,493	1,36,173	1,36,173	1,33,334	1,42,774	1,42,774	1,23,322	1,23,322	1,21,337	1,21,337	1,24,547	1,24,961	1,17,036	93,945
-- % of total Deposits	3,50,564	3,50,564	49.54%	49.54%	50.35%	50.35%	50.07%	53.28%	53.28%	49.28%	49.28%	49.29%	49.29%	49.86%	52.73%	52.73%	50.19%	50.19%	50.71%	50.71%	50.97%	53.38%	57.85%	53.99%
	—																						—
Gross NPAs	4,246	4,246	4,388	4,388	4,372	4,372	4,206	4,185	4,185	4,124	4,124	4,010	4,010	3,873	3,833	3,833	3,858	3,858	4,017	4,017	4,007	4,334	5,327	7,780
Net NPAs	384	384	412	412	442	442	434	432	432	443	443	433	433	415	409	409	405	405	410	410	414	435	1,277	2,544
% of Gross NPAs	4,246	4,246	1.60%	1.60%	1.72%	1.72%	1.74%	1.74%	1.74%	1.80%	1.80%	1.84%	1.84%	1.85%	1.88%	1.88%	2.04%	2.04%	2.19%	2.19%	2.28%	2.47%	3.94%	7.23%
% of Net NPAs	384	384	0.15%	0.15%	0.18%	0.18%	0.18%	0.18%	0.18%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.22%	0.22%	0.23%	0.23%	0.24%	0.25%	0.97%	2.48%
Credit Cost (%)	1.00%	1.01%	1.06%	1.07%	1.12%	1.00%	1.30%	1.11%	1.17%	1.16%	1.16%	1.20%	1.22%	1.24%	1.17%	0.98%	1.35%	1.37%	1.40%	1.48%	1.40%	1.49%	2.21%	2.34%
PCR without Tech W/off (%)	90.96%	90.96%	90.60%	90.60%	89.89%	89.89%	89.67%	89.68%	89.68%	89.26%	89.26%	89.21%	89.21%	89.29%	89.33%	89.33%	89.50%	89.50%	89.78%	89.78%	89.67%	89.96%	76.04%	67.30%
PCR with Tech W/off (%)	90.96%	90.96%	98.41%	98.41%	98.34%	98.34%	98.36%	98.26%	98.26%	98.28%	98.28%	98.31%	98.31%	98.36%	98.34%	98.34%	98.40%	98.40%	98.40%	98.40%	98.37%	98.28%	94.79%	89.86%
	—																						—
Equity Share Capital	7,692	7,692	7,692	7,692	7,692	7,692	7,692	7,692	7,692	7,692	7,692	7,081	7,081	7,081	7,081	7,081	7,081	7,081	7,081	7,081	7,081	6,730	6,730	6,560
Govt Holding	73.60%	73.60%	73.60%	73.60%	79.60%	79.60%	79.60%	79.60%	79.60%	79.60%	79.60%	86.46%	86.46%	86.46%	86.46%	86.46%	86.46%	86.46%	86.46%	86.46%	86.46%	90.97%	90.97%	93.33%
Networth	30,272	30,272	29,923	29,923	28,934	28,934	27,699	25,881	25,881	25,310	25,310	20,407	20,407	18,731	17,178	17,178	16,902	16,902	15,823	15,823	14,870	12,765	10,512	8,019
Net Interest Margin (%)	3.90%	3.91%	3.88%	3.86%	3.90%	3.85%	3.95%	4.00%	4.01%	3.98%	3.98%	3.98%	3.98%	3.97%	3.92%	3.97%	3.90%	3.95%	3.88%	3.89%	3.86%	3.56%	3.15%	2.84%
Cost to Income Ratio	37.08%	36.51%	37.29%	37.19%	37.34%	37.10%	37.57%	38.37%	38.50%	38.32%	38.27%	38.34%	38.81%	37.87%	37.55%	38.72%	37.10%	36.04%	37.65%	38.04%	37.23%	39.14%	44.26%	47.38%
Capital Adequacy Ratio	18.36%	18.36%	17.06%	17.06%	18.13%	18.13%	20.06%	20.53%	20.53%	18.71%	18.71%	17.26%	17.26%	17.04%	17.38%	17.38%	16.85%	16.85%	17.61%	17.61%	18.07%	18.14%	16.85%	14.49%
CET 1	14.59%	14.59%	13.10%	13.10%	14.05%	14.05%	16.62%	15.83%	15.83%	13.60%	13.60%	11.97%	11.97%	12.20%	12.50%	12.50%	11.56%	11.56%	12.28%	12.28%	12.85%	12.66%	12.17%	10.98%
Return on Assets	1.86%	1.97%	1.83%	1.86%	1.81%	1.82%	1.80%	1.75%	1.78%	1.75%	1.78%	1.73%	1.74%	1.72%	1.50%	1.73%	1.42%	1.55%	1.35%	1.37%	1.33%	1.10%	0.55%	0.30%
Return on Equity	23.19%	26.61%	23.30%	23.79%	22.79%	22.58%	23.00%	22.92%	23.08%	23.41%	26.82%	26.82%	26.01%	27.62%	23.83%	28.35%	23.83%	24.51%	23.49%	23.25%	23.73%	20.38%	11.45%	7.17%
Book value per share	39.36	39.36	38.90	38.90	37.62	37.62	36.01	33.65	33.65	32.91	32.91	28.82	28.82	26.45	24.26	24.26	23.87	23.87	22.34	22.34	21.00	18.97	15.62	12.22
Adj Book Value	39.01	39.01	38.53	38.53	37.22	37.22	35.62	33.26	33.26	32.50	32.50	28.39	28.39	26.04	23.85	23.85	23.47	23.47	21.94	21.94	20.59	18.51	14.29	9.51
Earning per share	9.13	2.62	6.51	2.31	4.19	2.12	2.07	7.18	1.94	5.24	1.83	3.70	1.87	1.83	5.73	1.72	4.01	1.46	2.54	1.30	1.25	3.87	1.71	0.84
DPS	2.20	—	—	—	—	—	—	1.50	—	—	—	—	—	—	1.40	—	—	—	—	—	—	1.30	0.50	0.00
Dividend Payout	24.11%	—	—	—	—	—	—	20.90%	—	—	—	—	—	—	24.45%	—	—	—	—	—	—	33.63%	29.22%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	22,490	5,985	76.67%	76.89%	76.56%	76.46%	76.66%	77.33%	77.75%	77.17%	77.74%	76.87%	77.84%	75.88%	77.22%	78.00%	76.94%	77.84%	76.47%	76.25%	76.69%	72.25%	63.23%	60.28%
Income on Investments	6,520	1,742	22.19%	22.48%	22.05%	22.92%	21.16%	21.49%	20.50%	21.85%	21.61%	21.98%	21.82%	22.14%	21.77%	20.10%	22.37%	21.47%	22.85%	23.07%	22.60%	26.83%	33.68%	35.00%
Interest on bal with RBI and other banks	219	17	0.94%	0.35%	1.24%	0.45%	2.03%	0.81%	0.97%	0.76%	0.49%	0.90%	0.17%	1.64%	0.66%	1.57%	0.33%	0.34%	0.33%	0.32%	0.35%	0.33%	0.70%	2.65%
Others	219	17	0.20%	0.28%	0.15%	0.16%	0.15%	0.37%	0.78%	0.22%	0.15%	0.26%	0.17%	0.34%	0.35%	0.34%	0.36%	0.35%	0.36%	0.36%	0.36%	0.59%	2.40%	2.07%
Other income	3,541	938	12.09%	12.70%	11.78%	11.86%	11.69%	13.85%	14.57%	13.58%	12.46%	14.18%	13.16%	15.22%	14.63%	18.69%	13.15%	13.15%	13.15%	13.17%	13.13%	14.35%	20.37%	22.13%
Total Interest Expense	15,618	4,053	53.72%	53.40%	53.89%	54.44%	53.33%	53.24%	53.70%	53.07%	53.46%	52.86%	53.36%	52.35%	52.08%	52.73%	51.84%	52.32%	51.59%	52.01%	51.14%	51.32%	53.57%	58.74%
Net Interest Income	13,664	3,702	46.28%	46.60%	46.11%	45.56%	46.67%	46.76%	46.30%	46.93%	46.54%	47.14%	46.64%	47.65%	47.92%	47.27%	48.16%	47.68%	48.41%	47.99%	48.86%	48.68%	46.43%	41.26%
Wages	11.53%	11.29%	11.61%	10.86%	12.00%	11.53%	12.48%	13.80%	13.09%	14.06%	13.43%	14.39%	13.49%	15.32%	13.85%	15.55%	13.23%	12.50%	13.61%	13.33%	13.90%	12.95%	15.90%	19.00%
Other administrative Exps	3,003	819	10.15%	11.19%	9.61%	9.77%	9.45%	9.45%	10.35%	9.12%	9.14%	9.11%	9.72%	8.49%	9.64%	9.99%	9.52%	9.42%	9.57%	9.93%	9.18%	11.72%	13.66%	11.04%
−Total Operating Expenses	6,379	1,694	21.76%	22.05%	21.61%	21.30%	21.93%	23.25%	23.43%	23.18%	22.58%	23.51%	23.21%	23.81%	23.49%	25.54%	22.74%	21.92%	23.18%	23.27%	23.08%	24.67%	29.56%	30.04%
Profit before Tax and Provisions (Pbtp)	10,826	2,946	36.60%	37.25%	36.27%	36.11%	36.43%	37.35%	37.44%	37.32%	36.41%	37.81%	36.59%	39.05%	39.06%	40.42%	38.57%	38.91%	38.39%	37.89%	38.91%	38.37%	37.24%	33.36%
PBT	26.83%	30.03%	25.68%	27.33%	24.83%	25.51%	24.14%	22.94%	22.83%	22.98%	23.12%	22.90%	22.93%	22.88%	21.27%	23.18%	20.58%	20.68%	20.52%	18.46%	22.70%	21.67%	15.02%	8.04%
Income Tax	838	315	2.43%	3.11%	2.08%	2.60%	1.56%	0.81%	0.64%	0.87%	0.88%	0.87%	0.88%	0.86%	1.49%	0.91%	1.70%	0.66%	2.24%	0.31%	4.28%	5.30%	6.18%	3.40%
PAT	23.97%	25.97%	23.25%	24.23%	22.75%	22.91%	22.58%	22.13%	22.18%	22.10%	22.24%	22.03%	22.05%	22.02%	19.79%	22.27%	18.88%	20.02%	18.28%	18.15%	18.42%	16.37%	8.84%	4.64%

UCO

UCO Bank

NSE: UCO · Individual Quarterly Financials · Figures in ₹ Crores

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₹1,967 Cr

Net Profit · FY26

3.03%

NIM · FY26

2.41%

GNPA % · FY26

0.36%

NNPA % · FY26

11.61%

ROE · FY26

0.75%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	18,595	4,761	13,835	4,718	9,117	4,626	4,491	17,117	4,748	12,369	4,272	8,097	4,138	3,959	14,162	3,901	10,261	3,570	6,691	3,377	3,314	10,344	8,322	7,765
Income on Investments	6,472	1,639	4,833	1,653	3,180	1,615	1,565	6,347	1,602	4,745	1,567	3,178	1,592	1,585	6,124	1,537	4,587	1,550	3,037	1,528	1,510	6,223	6,020	6,065
Interest on bal with RBI and others	1,122	239	883	253	630	273	357	1,500	369	1,130	360	771	348	423	1,411	389	1,022	394	628	272	356	902	406	252
Others	1,122	239	74	28	47	23	24	103	25	78	21	57	0	57	157	33	124	38	86	42	44	182	233	365
−Total Fund based income	26,281	6,656	19,625	6,652	12,973	6,537	6,436	25,067	6,745	18,322	6,220	12,102	6,078	6,024	21,854	5,860	15,995	5,552	10,443	5,219	5,224	17,651	14,981	14,446
--growth y-o-y	4.84%	-1.31%	7.11%	6.94%	7.20%	7.55%	6.84%	14.70%	15.10%	14.55%	12.03%	15.89%	16.47%	15.32%	23.82%	17.49%	26.31%	19.99%	29.95%	24.71%	35.65%	17.82%	3.70%	-4.55%
--growth q-o-q	—	0.07%	—	1.75%	—	1.57%	-4.58%	—	8.43%	—	2.33%	—	0.90%	2.80%	—	5.54%	—	6.38%	—	-0.10%	4.74%	—	—	—
Other Income	3,460	709	2,751	869	1,881	884	997	4,407	1,392	3,014	1,186	1,828	993	835	3,266	1,125	2,141	861	1,280	647	633	2,508	3,214	3,720
Total Income	29,741	7,365	22,376	7,521	14,855	7,421	7,433	29,474	8,137	21,337	7,406	13,931	7,071	6,859	25,120	6,985	18,135	6,413	11,723	5,866	5,857	20,159	18,195	18,166
Total Interest Expense	16,085	4,042	12,043	4,006	8,037	4,004	4,033	15,437	4,046	11,391	3,842	7,548	3,778	3,770	13,754	3,672	10,081	3,564	6,517	3,302	3,215	10,307	8,508	8,966
--growth y-o-y	—	—	5.73%	4.25%	6.48%	5.99%	6.96%	12.24%	10.18%	12.99%	7.81%	15.82%	14.41%	17.27%	33.43%	21.79%	38.25%	33.21%	41.17%	36.72%	46.04%	21.14%	-5.11%	-10.71%
--growth q-o-q	—	—	—	0.03%	—	-0.70%	-0.33%	—	5.30%	—	1.70%	—	0.20%	2.67%	—	3.05%	—	7.92%	—	2.71%	6.63%	—	—	—
Net Interest Income	10,196	2,614	7,582	2,646	4,936	2,533	2,403	9,630	2,698	6,932	2,378	4,554	2,300	2,254	8,101	2,187	5,913	1,988	3,925	1,917	2,009	7,343	6,473	5,480
--growth y-o-y	—	—	9.38%	11.29%	8.39%	10.10%	6.64%	18.88%	23.37%	17.22%	19.60%	16.01%	20.03%	12.18%	10.32%	10.91%	10.10%	1.85%	14.80%	8.30%	21.78%	13.44%	18.13%	7.61%
--growth q-o-q	—	—	—	4.48%	—	5.39%	-10.94%	—	13.49%	—	3.36%	—	2.08%	3.03%	—	10.02%	—	3.73%	—	-4.59%	1.86%	—	—	—
Employee Cost	4,741	1,068	3,673	1,183	2,490	1,214	1,276	5,453	1,618	3,835	1,323	2,513	1,304	1,208	4,887	1,543	3,344	1,253	2,091	1,062	1,028	3,873	3,314	2,467
Other administrative Exps	2,486	682	1,804	652	1,152	590	562	2,546	774	1,772	655	1,117	557	560	1,903	497	1,407	476	930	519	411	1,638	1,462	1,312
−Total Operating Expenses	7,227	1,750	5,477	1,835	3,642	1,804	1,838	7,999	2,392	5,607	1,978	3,630	1,862	1,768	6,790	2,039	4,751	1,730	3,021	1,581	1,439	5,511	4,776	3,779
Profit before Tax and Provisions	6,429	1,573	4,856	1,680	3,175	1,613	1,562	6,037	1,699	4,339	1,586	2,753	1,432	1,321	4,576	1,273	3,303	1,119	2,184	982	1,202	4,341	4,910	5,421
--growth y-o-y	—	—	11.92%	5.96%	15.35%	12.69%	18.24%	31.93%	33.46%	31.34%	41.69%	26.03%	45.80%	9.89%	5.43%	-6.20%	10.72%	-17.34%	34.03%	-17.47%	173.30%	-11.60%	-9.42%	12.10%
--growth q-o-q	—	—	—	4.16%	—	3.26%	-8.04%	—	7.13%	—	10.76%	—	8.35%	3.80%	—	13.74%	—	13.98%	—	-18.34%	-11.40%	—	—	—
Provision for NPA	1,363	216	1,146	279	868	405	463	1,673	364	1,309	263	1,046	649	397	1,068	227	841	116	725	336	389	1,296	3,800	2,760
Others provisions	1,122	239	583	246	337	183	153	531	299	232	326	−94	−156	62	939	241	699	226	473	6	466	140	−640	2,803
−Total Provisions	2,055	326	1,729	525	1,204	588	616	2,204	663	1,541	590	952	493	459	2,007	467	1,540	342	1,198	342	856	1,436	3,160	5,563
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	0
Profit Before tax	6,429	1,573	3,126	1,155	1,971	1,025	946	3,834	1,036	2,797	996	1,801	939	862	2,569	806	1,763	777	986	640	347	2,905	1,750	−142
Income Tax	1,606	446	1,160	416	744	405	339	1,389	384	1,005	357	648	336	312	915	280	635	274	361	238	123	1,043	821	−309
effective tax rate	36.71%	35.76%	37.09%	35.98%	37.75%	39.54%	35.80%	36.22%	37.03%	35.92%	35.87%	35.95%	35.79%	36.12%	35.62%	34.73%	36.03%	35.28%	36.63%	37.22%	35.53%	35.89%	46.88%	2.18%
Net Profit	2,768	801	1,967	740	1,227	620	607	2,445	652	1,793	639	1,154	603	551	1,654	526	1,128	503	625	402	223	1,862	930	167
--growth y-o-y	—	—	9.72%	15.76%	6.37%	2.82%	10.25%	47.85%	24.09%	58.92%	27.05%	84.55%	50.06%	146.55%	-11.20%	-9.54%	-11.95%	-22.99%	-0.48%	-20.39%	80.79%	100.30%	4.56%	—
--growth q-o-q	—	—	—	19.32%	—	2.03%	-6.90%	—	2.13%	—	5.99%	—	9.40%	4.79%	—	4.56%	—	25.19%	—	79.74%	-61.55%	—	—	—
Business Numbers (₹ Crores)
Total Business	5,90,315	5,90,315	5,53,680	5,53,680	5,36,399	5,36,399	5,23,736	5,13,527	5,13,527	4,88,911	4,88,911	4,73,704	4,73,704	4,61,408	4,50,007	4,50,007	4,35,456	4,35,456	4,17,145	4,17,145	4,13,972	4,10,967	3,53,850	3,24,324
Gross Advances	2,62,752	2,62,752	2,43,594	2,43,594	2,30,702	2,30,702	2,25,101	2,19,985	2,19,985	2,08,655	2,08,655	1,97,927	1,97,927	1,93,253	1,86,877	1,86,877	1,79,195	1,79,195	1,67,734	1,67,734	1,64,278	1,61,629	1,29,777	1,18,405
- Gross Advances Growth YoY	2,62,752	2,62,752	16.74%	16.74%	16.56%	16.56%	16.48%	17.72%	17.72%	16.44%	16.44%	18.00%	18.00%	17.64%	15.62%	15.62%	18.63%	18.63%	17.99%	17.99%	25.07%	24.54%	9.60%	3.00%
Net Advances	2,57,763	2,57,763	2,38,579	2,38,579	2,25,769	2,25,769	2,20,187	2,15,135	2,15,135	2,03,847	2,03,847	1,93,030	1,93,030	1,88,293	1,82,021	1,82,021	1,73,990	1,73,990	1,62,597	1,62,597	1,58,750	1,55,870	1,22,784	1,11,355
- Net Advances Growth YoY	2,57,763	2,57,763	17.04%	17.04%	16.96%	16.96%	16.94%	18.19%	18.19%	17.16%	17.16%	18.72%	18.72%	18.61%	16.78%	16.78%	20.08%	20.08%	20.06%	20.06%	27.36%	26.95%	10.26%	10.06%
Deposits	3,27,563	3,27,563	3,10,086	3,10,086	3,05,697	3,05,697	2,98,635	2,93,542	2,93,542	2,80,256	2,80,256	2,75,777	2,75,777	2,68,155	2,63,130	2,63,130	2,56,261	2,56,261	2,49,411	2,49,411	2,49,694	2,49,338	2,24,073	2,05,919
- Deposit Growth YoY	11.59%	11.59%	10.64%	10.64%	10.85%	10.85%	11.37%	11.56%	11.56%	9.36%	9.36%	10.57%	10.57%	7.39%	5.53%	5.53%	5.38%	5.38%	6.07%	6.07%	10.81%	11.28%	8.82%	6.58%
Overseas Deposits	3,27,563	3,27,563	18,312	18,312	15,591	15,591	18,543	17,333	17,333	15,469	15,469	11,862	11,862	13,477	13,165	13,165	9,309	9,309	5,454	5,454	9,128	8,597	6,353	4,391
--Savings deposits	3,27,563	3,27,563	97,308	97,308	95,080	95,080	90,243	90,380	90,380	88,502	88,502	88,447	88,447	86,290	86,029	86,029	83,313	83,313	83,254	83,254	81,814	81,017	77,037	70,713
-- growth YoY	—	—	9.95%	9.95%	7.50%	7.50%	4.58%	5.06%	5.06%	6.23%	6.23%	6.24%	6.24%	5.47%	6.19%	6.19%	4.30%	4.30%	5.47%	5.47%	5.74%	5.17%	8.94%	11.17%
--Current deposits	3,27,563	3,27,563	14,775	14,775	15,475	15,475	13,135	14,325	14,325	12,028	12,028	12,486	12,486	12,074	12,091	12,091	9,566	9,566	10,121	10,121	9,833	10,037	10,624	9,209
-- growth YoY	—	—	22.84%	22.84%	23.94%	23.94%	8.79%	18.48%	18.48%	25.74%	25.74%	23.37%	23.37%	22.79%	20.46%	20.46%	2.77%	2.77%	-12.64%	-12.64%	7.78%	-5.53%	15.37%	-23.80%
CASA	1,17,752	1,17,752	1,12,083	1,12,083	1,10,555	1,10,555	1,03,378	1,04,705	1,04,705	1,00,530	1,00,530	1,00,933	1,00,933	98,364	98,120	98,120	92,879	92,879	93,375	93,375	91,647	91,054	87,661	79,922
-- Domestic CASA	1,17,752	1,17,752	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross NPAs	5,690	5,690	5,867	5,867	5,895	5,895	5,912	5,919	5,919	6,082	6,082	6,294	6,294	6,420	6,463	6,463	6,905	6,905	6,939	6,939	7,355	7,726	10,237	11,352
Net NPAs	702	702	853	853	962	962	998	1,068	1,068	1,283	1,283	1,406	1,406	1,473	1,622	1,622	1,700	1,700	1,802	1,802	1,877	2,018	3,316	4,390
% of Gross NPAs	5,690	5,690	2.41%	2.41%	2.56%	2.56%	2.63%	2.69%	2.69%	2.91%	2.91%	3.18%	3.18%	3.32%	3.46%	3.46%	3.85%	3.85%	4.14%	4.14%	4.48%	4.78%	7.89%	9.59%
% of Net NPAs	702	702	0.36%	0.36%	0.43%	0.43%	0.45%	0.50%	0.50%	0.63%	0.63%	0.73%	0.73%	0.78%	0.89%	0.89%	0.98%	0.98%	1.11%	1.11%	1.18%	1.29%	2.70%	3.94%
Credit Cost (%)	0.58%	0.37%	0.69%	0.50%	0.83%	0.77%	0.91%	0.84%	0.73%	0.92%	0.56%	1.18%	1.46%	0.91%	0.63%	0.54%	0.70%	0.29%	0.97%	0.90%	1.10%	0.93%	3.25%	2.60%
PCR without Tech W/off (%)	87.66%	87.66%	85.47%	85.47%	83.68%	83.68%	83.12%	81.95%	81.95%	78.90%	78.90%	77.65%	77.65%	77.05%	74.91%	74.91%	75.38%	75.38%	74.04%	74.04%	74.48%	73.88%	67.61%	61.33%
PCR with Tech W/off (%)	87.66%	87.66%	97.32%	97.32%	96.99%	96.99%	96.88%	96.69%	96.69%	96.16%	96.16%	95.94%	95.94%	95.76%	95.38%	95.38%	95.21%	95.21%	95.07%	95.07%	94.50%	94.50%	91.44%	88.40%
	—																						—
Equity Share Capital	12,540	12,540	12,540	12,540	12,540	12,540	12,540	12,540	12,540	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	11,956	9,918
Govt Holding	90.95%	90.95%	90.95%	90.95%	90.95%	90.95%	90.95%	90.95%	90.95%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	94.44%
Networth	24,462	24,462	24,071	24,071	23,013	23,013	22,222	21,107	21,107	14,404	14,404	17,518	17,518	16,344	16,254	16,254	15,780	15,780	14,366	14,366	14,366	14,015	11,025	9,334
Net Interest Margin (%)	3.03%	3.00%	3.03%	3.08%	2.93%	2.90%	2.96%	3.08%	3.00%	3.12%	3.17%	3.09%	3.10%	3.09%	2.92%	3.03%	2.88%	2.84%	2.92%	2.84%	2.86%	2.87%	2.81%	2.58%
Cost to Income Ratio	52.92%	52.66%	53.01%	52.20%	53.42%	52.79%	54.06%	56.99%	58.47%	56.38%	55.50%	56.87%	56.53%	57.23%	59.74%	61.57%	58.99%	60.72%	58.04%	61.70%	54.49%	55.94%	49.31%	41.08%
Capital Adequacy Ratio	18.61%	18.61%	17.43%	17.43%	17.89%	17.89%	18.39%	18.49%	18.49%	16.25%	16.25%	16.84%	16.84%	17.09%	16.98%	16.98%	16.01%	16.01%	16.83%	16.83%	16.85%	16.51%	13.74%	13.74%
CET 1	16.36%	16.36%	15.18%	15.18%	15.61%	15.61%	16.05%	16.03%	16.03%	13.81%	13.81%	14.22%	14.22%	14.36%	14.14%	14.14%	13.12%	13.12%	13.70%	13.70%	13.70%	13.51%	10.97%	11.14%
Return on Assets	0.79%	0.87%	0.75%	0.83%	0.71%	0.71%	0.71%	0.76%	0.77%	0.79%	0.79%	0.73%	0.75%	0.70%	0.56%	0.69%	0.51%	0.67%	0.42%	0.54%	0.28%	0.62%	0.34%	0.06%
Return on Equity	12.26%	13.32%	11.61%	12.57%	11.15%	10.96%	11.25%	13.09%	13.21%	13.79%	14.23%	13.67%	14.22%	13.51%	10.93%	13.13%	10.10%	13.07%	8.62%	10.94%	7.04%	14.87%	10.98%	1.01%
Book value per share	19.51	19.51	19.20	19.20	18.35	18.35	17.72	16.83	16.83	12.05	12.05	14.65	14.65	13.67	13.59	13.59	13.20	13.20	12.02	12.02	12.02	11.72	9.22	9.41
Adj Book Value	19.12	19.12	18.72	18.72	17.82	17.82	17.16	16.24	16.24	11.30	11.30	13.83	13.83	12.81	12.65	12.65	12.20	12.20	10.96	10.96	10.92	10.54	7.28	6.31
Earning per share	2.21	0.64	1.57	0.59	0.98	0.49	0.48	1.95	0.52	1.50	0.53	0.96	0.50	0.46	1.38	0.44	0.94	0.42	0.52	0.34	0.19	1.56	0.78	0.17
DPS	0.44	—	—	—	—	—	—	0.39	—	—	—	—	—	—	0.28	—	—	—	—	—	—	0.00	0.00	0.00
Dividend Payout	19.93%	—	—	—	—	—	—	20.00%	—	—	—	—	—	—	20.24%	—	—	—	—	—	—	0.00%	0.00%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	18,595	4,761	70.50%	70.92%	70.28%	70.77%	69.78%	68.29%	70.40%	67.51%	68.69%	66.90%	68.08%	65.71%	64.80%	66.57%	64.16%	64.30%	64.08%	64.72%	63.44%	58.60%	55.55%	53.75%
Income on Investments	6,472	1,639	24.62%	24.85%	24.51%	24.71%	24.31%	25.32%	23.75%	25.90%	25.19%	26.26%	26.20%	26.32%	28.02%	26.22%	28.68%	27.91%	29.09%	29.27%	28.90%	35.26%	40.19%	41.98%
Interest on bal with RBI and others	1,122	239	4.50%	3.81%	4.86%	4.18%	5.54%	5.98%	5.48%	6.17%	5.78%	6.37%	5.73%	7.02%	6.46%	6.64%	6.39%	7.10%	6.01%	5.22%	6.81%	5.11%	2.71%	1.75%
Others	1,122	239	0.38%	0.42%	0.36%	0.35%	0.37%	0.41%	0.37%	0.43%	0.34%	0.47%	0.00%	0.95%	0.72%	0.57%	0.78%	0.68%	0.82%	0.80%	0.85%	1.03%	1.56%	2.52%
other income	3,460	709	14.02%	13.07%	14.50%	13.53%	15.49%	17.58%	20.64%	16.45%	19.07%	15.11%	16.34%	13.87%	14.94%	19.20%	13.38%	15.50%	12.26%	12.39%	12.12%	14.21%	21.45%	25.75%
Total Interest Expense	16,085	4,042	61.37%	60.22%	61.95%	61.26%	62.66%	61.58%	59.99%	62.17%	61.77%	62.37%	62.16%	62.59%	62.93%	62.67%	63.03%	64.19%	62.41%	63.28%	61.55%	58.40%	56.79%	62.07%
Net Interest Income	10,196	2,614	38.63%	39.78%	38.05%	38.74%	37.34%	38.42%	40.01%	37.83%	38.23%	37.63%	37.84%	37.41%	37.07%	37.33%	36.97%	35.81%	37.59%	36.72%	38.45%	41.60%	43.21%	37.93%
Wages	—	—	18.72%	17.78%	19.20%	18.57%	19.83%	21.75%	23.99%	20.93%	21.27%	20.76%	21.46%	20.06%	22.36%	26.33%	20.91%	22.58%	20.02%	20.36%	19.68%	21.94%	22.12%	17.08%
Other administrative Exps	2,486	682	9.19%	9.80%	8.88%	9.02%	8.73%	10.16%	11.48%	9.67%	10.53%	9.23%	9.17%	9.29%	8.71%	8.48%	8.79%	8.58%	8.91%	9.94%	7.87%	9.28%	9.76%	9.08%
−Total Operating Expenses	7,227	1,750	27.91%	27.59%	28.07%	27.59%	28.56%	31.91%	35.46%	30.60%	31.80%	29.99%	30.63%	29.35%	31.07%	34.80%	29.70%	31.16%	28.93%	30.30%	27.56%	31.22%	31.88%	26.16%
Profit before Tax and Provisions	6,429	1,573	24.74%	25.26%	24.48%	24.68%	24.27%	24.08%	25.19%	23.68%	25.49%	22.75%	23.55%	21.93%	20.94%	21.72%	20.65%	20.16%	20.92%	18.81%	23.02%	24.59%	32.78%	37.52%
PBT	—	—	15.93%	17.37%	15.19%	15.68%	14.70%	15.29%	15.36%	15.27%	16.02%	14.88%	15.44%	14.32%	11.75%	13.75%	11.02%	13.99%	9.45%	12.26%	6.64%	16.46%	11.68%	-0.98%
Income Tax	1,606	446	5.91%	6.25%	5.74%	6.20%	5.26%	5.54%	5.69%	5.48%	5.75%	5.35%	5.53%	5.17%	4.19%	4.77%	3.97%	4.94%	3.46%	4.56%	2.36%	5.91%	5.48%	-2.14%
PAT	—	—	10.02%	11.12%	9.46%	9.48%	9.44%	9.75%	9.67%	9.78%	10.27%	9.53%	9.92%	9.15%	7.57%	8.97%	7.05%	9.06%	5.99%	7.70%	4.28%	10.55%	6.21%	1.16%

PSB

Punjab & Sind Bank

NSE: PSB · Individual Quarterly Financials · Figures in ₹ Crores

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₹900 Cr

Net Profit · FY26

2.57%

NIM · FY26

2.60%

GNPA % · FY26

0.74%

NNPA % · FY26

10.62%

ROE · FY26

0.73%

ROA · FY26

Particulars	FY26							FY25							FY24							FY23	FY22	FY21
Particulars	FY26	Q4FY26	9MFY26	Q3FY26	H1FY26	Q2FY26	Q1FY26	FY25	Q4FY25	9MFY25	Q3FY25	H1FY25	Q2FY25	Q1FY25	FY24	Q4FY24	9MFY24	Q3FY24	H1FY24	Q2FY24	Q1FY24	FY23	FY22	FY21
Income Statement (₹ Crores)
Interest / Discount on advances	8,581	2,178	6,403	2,198	4,204	2,149	2,056	8,158	2,330	5,827	2,104	3,723	1,898	1,825	6,951	1,768	5,183	1,785	3,399	1,721	1,678	5,502	4,778	4,865
Income on Investments	3,309	827	2,482	828	1,654	835	819	3,225	812	2,413	801	1,612	799	813	2,656	694	1,962	683	1,279	663	616	2,359	2,095	1,874
Interest on bal with RBI and others	16	4	12	4	8	3	5	17	5	12	6	6	4	2	22	6	16	6	10	5	5	31	118	114
Others	16	4	55	12	43	11	32	82	12	69	19	50	38	12	65	13	51	17	34	17	17	100	104	121
−Total Fund based income	11,982	3,030	8,952	3,042	5,910	2,999	2,911	11,481	3,159	8,322	2,931	5,391	2,739	2,652	9,694	2,481	7,213	2,491	4,722	2,406	2,316	7,993	7,096	6,974
--growth y-o-y	4.36%	-4.08%	7.56%	3.78%	9.61%	9.49%	9.74%	18.44%	27.31%	15.38%	17.67%	14.18%	13.84%	14.53%	21.28%	17.88%	22.50%	18.20%	24.90%	21.52%	28.62%	12.64%	1.75%	-12.05%
--growth q-o-q	—	-0.39%	—	1.44%	—	3.03%	-7.86%	—	7.77%	—	7.02%	—	3.27%	6.89%	—	-0.39%	—	3.54%	—	3.89%	10.02%	—	—	—
Other Income	1,778	427	1,350	507	843	374	469	1,568	677	891	338	553	359	194	1,221	413	809	362	447	268	179	940	991	903
Total Income	13,759	3,457	10,302	3,549	6,753	3,373	3,379	13,049	3,836	9,213	3,269	5,944	3,098	2,846	10,915	2,894	8,021	2,853	5,169	2,674	2,494	8,933	8,086	7,877
Total Interest Expense	8,170	2,055	6,115	2,056	4,059	2,049	2,010	7,698	2,037	5,661	1,992	3,668	1,866	1,802	6,853	1,792	5,061	1,752	3,309	1,731	1,578	5,019	4,444	4,712
--growth y-o-y	—	—	8.02%	3.18%	10.65%	9.79%	11.54%	12.33%	13.67%	11.85%	13.74%	10.85%	7.80%	14.19%	36.53%	26.09%	40.65%	34.50%	44.15%	43.68%	44.66%	12.93%	-5.68%	-19.75%
--growth q-o-q	—	—	—	0.34%	—	1.92%	-1.31%	—	2.24%	—	6.77%	—	3.54%	0.57%	—	2.29%	—	1.20%	—	9.68%	11.05%	—	—	—
Net Interest Income	3,811	975	2,837	986	1,850	950	900	3,784	1,122	2,662	939	1,723	873	850	2,841	689	2,152	739	1,412	675	738	2,973	2,651	2,262
--growth y-o-y	—	—	6.57%	5.05%	7.40%	8.84%	5.93%	33.18%	62.77%	23.70%	26.98%	21.98%	29.33%	15.25%	-4.45%	0.81%	-6.02%	-8.16%	-4.86%	-12.93%	3.96%	12.15%	17.22%	9.93%
--growth q-o-q	—	—	—	3.80%	—	5.51%	-19.75%	—	19.52%	—	7.55%	—	2.68%	23.31%	—	-6.76%	—	9.54%	—	-8.50%	7.87%	—	—	—
Employee Cost	2,069	496	1,573	560	1,013	489	524	2,088	642	1,446	493	954	493	460	1,944	513	1,431	548	884	431	452	1,521	1,453	1,688
Other administrative Exps	1,338	364	975	339	635	330	305	1,188	340	848	300	547	281	267	987	253	734	276	458	252	206	943	827	705
−Total Operating Expenses	3,407	860	2,548	899	1,648	819	829	3,276	982	2,294	793	1,501	774	727	2,932	766	2,166	824	1,342	683	659	2,463	2,281	2,394
Profit before Tax and Provisions	2,182	542	1,639	594	1,045	505	540	2,075	816	1,259	484	775	458	317	1,131	336	795	277	518	260	257	1,450	1,361	771
--growth y-o-y	—	—	30.27%	22.79%	34.94%	10.29%	70.59%	83.47%	142.72%	58.39%	74.73%	49.64%	75.96%	23.03%	-22.00%	-37.25%	-13.06%	-19.56%	-9.13%	-18.06%	2.13%	6.50%	76.53%	-29.69%
--growth q-o-q	—	—	—	17.67%	—	-6.49%	-33.84%	—	68.68%	—	5.68%	—	44.65%	-5.87%	—	21.43%	—	6.43%	—	1.13%	-51.99%	—	—	—
Provision for NPA	58	20	38	47	−9	−32	23	176	325	−148	96	−245	92	−336	−179	111	−290	−320	30	−37	66	−471	989	2,678
Others Provisions	16	4	465	90	374	180	194	561	49	512	13	499	59	440	373	−2	375	416	−42	2	−43	301	−814	1,498
−Total Provisions	429	-73	503	138	365	148	217	737	374	363	109	254	151	103	194	110	84	96	−12	−35	23	−170	175	4,175
Profit Before tax	2,182	542	1,137	456	680	357	323	1,338	442	895	375	521	307	213	937	227	710	181	529	295	234	1,620	1,187	−3,404
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	0
Income Tax	430	194	237	120	117	63	54	322	130	192	93	99	68	32	342	87	254	66	188	106	82	307	148	−671
effective tax rate	24.56%	31.46%	20.83%	26.30%	17.16%	17.59%	16.67%	24.05%	29.29%	21.46%	24.74%	19.10%	22.04%	14.88%	36.45%	38.56%	35.78%	36.74%	35.45%	35.96%	34.82%	18.94%	12.44%	19.72%
Net Profit	1,322	422	900	336	564	295	269	1,016	313	703	282	421	240	181	595	139	456	114	342	189	153	1,313	1,039	−2,733
--growth y-o-y	—	—	28.03%	19.31%	33.86%	22.93%	48.30%	70.61%	124.46%	54.15%	146.66%	23.21%	26.71%	18.88%	-54.65%	-69.51%	-46.72%	-69.37%	-29.21%	-32.01%	-25.42%	26.37%	—	—
--growth q-o-q	—	—	—	14.23%	—	9.42%	-13.95%	—	10.93%	—	17.68%	—	32.01%	30.25%	—	21.91%	—	-39.55%	—	23.86%	-66.59%	—	—	—
Business Numbers (₹ Crores)
Total Business	2,63,652	2,63,652	2,49,499	2,49,499	2,41,272	2,41,272	2,31,132	2,29,379	2,29,379	2,23,267	2,23,267	2,15,057	2,15,057	2,08,331	2,05,374	2,05,374	2,01,914	2,01,914	1,98,387	1,98,387	1,94,525	1,90,647	1,72,524	1,63,919
Gross Advances	1,17,823	1,17,823	1,10,297	1,10,297	1,05,566	1,05,566	99,950	99,605	99,605	95,870	95,870	91,032	91,032	87,738	85,964	85,964	83,559	83,559	81,906	81,906	80,314	80,982	70,387	67,811
- Gross Advances Growth YoY	1,17,823	1,17,823	15.05%	15.05%	15.97%	15.97%	13.92%	15.87%	15.87%	14.73%	14.73%	11.14%	11.14%	9.24%	6.15%	6.15%	7.48%	7.48%	11.08%	11.08%	10.43%	15.05%	3.80%	8.39%
Net Advances	1,15,912	1,15,912	1,08,222	1,08,222	1,03,472	1,03,472	97,622	97,300	97,300	93,488	93,488	88,596	88,596	85,046	82,736	82,736	80,325	80,325	78,352	78,352	76,415	76,819	63,627	60,942
- Net Advances Growth YoY	1,15,912	1,15,912	15.76%	15.76%	16.79%	16.79%	14.79%	17.60%	17.60%	16.39%	16.39%	13.07%	13.07%	11.30%	7.70%	7.70%	10.36%	10.36%	14.88%	14.88%	15.36%	20.73%	4.41%	4.33%
Deposits	1,45,829	1,45,829	1,39,202	1,39,202	1,35,706	1,35,706	1,31,182	1,29,774	1,29,774	1,27,397	1,27,397	1,24,025	1,24,025	1,20,593	1,19,410	1,19,410	1,18,355	1,18,355	1,16,481	1,16,481	1,14,211	1,09,665	1,02,137	96,108
- Deposit Growth YoY	12.37%	12.37%	9.27%	9.27%	9.42%	9.42%	8.78%	8.68%	8.68%	7.64%	7.64%	6.48%	6.48%	5.59%	8.89%	8.89%	8.09%	8.09%	10.68%	10.68%	12.49%	7.37%	6.27%	7.18%
--Savings deposits	1,45,829	1,45,829	37,515	37,515	36,036	36,036	35,426	35,318	35,318	34,599	34,599	33,332	33,332	33,536	33,532	33,532	34,178	34,178	32,131	32,131	32,087	31,858	30,375	27,407
- Growth YoY	—	—	8.43%	8.43%	8.11%	8.11%	5.64%	5.33%	5.33%	1.23%	1.23%	3.74%	3.74%	4.52%	5.25%	5.25%	6.03%	6.03%	3.34%	3.34%	4.07%	4.88%	10.83%	17.60%
--Current deposits	1,45,829	1,45,829	5,672	5,672	5,093	5,093	4,707	5,472	5,472	5,102	5,102	4,412	4,412	4,598	5,176	5,176	4,607	4,607	4,196	4,196	4,107	4,975	4,153	4,123
- Growth YoY	—	—	11.17%	11.17%	15.44%	15.44%	2.37%	5.72%	5.72%	10.74%	10.74%	5.15%	5.15%	11.96%	4.04%	4.04%	9.02%	9.02%	4.69%	4.69%	11.24%	19.79%	0.73%	28.32%
CASA	44,876	44,876	43,187	43,187	41,129	41,129	40,133	40,790	40,790	39,701	39,701	37,744	37,744	38,134	38,708	38,708	38,785	38,785	36,327	36,327	36,194	36,833	34,528	31,530
-- % of total Deposits	1,45,829	1,45,829	31.02%	31.02%	30.31%	30.31%	30.59%	31.43%	31.43%	31.16%	31.16%	30.43%	30.43%	31.62%	32.42%	32.42%	32.77%	32.77%	31.19%	31.19%	31.69%	33.59%	33.81%	32.81%
	—																						—
Gross NPAs	2,831	2,831	2,871	2,871	3,082	3,082	3,339	3,370	3,370	3,676	3,676	3,835	3,835	4,145	4,665	4,665	4,759	4,759	5,106	5,106	5,464	5,648	8,565	9,334
Net NPAs	919	919	796	796	854	854	883	937	937	1,167	1,167	1,294	1,294	1,350	1,350	1,350	1,444	1,444	1,473	1,473	1,489	1,412	1,742	2,462
% of Gross NPAs	2,831	2,831	2.60%	2.60%	2.92%	2.92%	3.34%	3.38%	3.38%	3.83%	3.83%	4.21%	4.21%	4.72%	5.43%	5.43%	5.70%	5.70%	6.23%	6.23%	6.80%	6.97%	12.17%	13.76%
% of Net NPAs	919	919	0.74%	0.74%	0.83%	0.83%	0.91%	0.96%	0.96%	1.25%	1.25%	1.46%	1.46%	1.59%	1.63%	1.63%	1.80%	1.80%	1.88%	1.88%	1.95%	1.84%	2.74%	4.04%
Credit Cost (%)	0.05%	0.07%	0.05%	0.19%	-0.02%	-0.13%	0.10%	0.20%	1.44%	-0.23%	0.44%	-0.59%	0.44%	-1.67%	-0.22%	0.56%	-0.51%	-1.67%	0.08%	-0.20%	0.37%	-0.67%	1.59%	4.49%
PCR without Tech W/off (%)	67.53%	67.53%	72.28%	72.28%	72.29%	72.29%	73.57%	72.19%	72.19%	68.26%	68.26%	66.26%	66.26%	67.42%	71.05%	71.05%	69.66%	69.66%	71.15%	71.15%	72.75%	75.01%	79.66%	73.62%
PCR with Tech W/off (%)	67.53%	67.53%	92.23%	92.23%	91.88%	91.88%	91.77%	91.38%	91.38%	89.53%	89.53%	88.56%	88.56%	88.08%	88.69%	88.69%	88.16%	88.16%	88.54%	88.54%	88.58%	89.06%	87.89%	82.89%
	—																						—
Equity Share Capital	7,096	7,096	7,096	7,096	7,096	7,096	7,096	7,096	7,096	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	6,778	4,053
Govt Holding	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	93.85%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	97.07%
Networth	11,945	11,945	11,664	11,664	11,321	11,321	11,315	10,946	10,946	9,234	9,234	8,921	8,921	8,655	7,836	7,836	7,454	7,454	7,231	7,231	7,213	6,786	5,052	5,126
Capital Adequacy Ratio	17.42%	17.42%	16.83%	16.83%	17.19%	17.19%	17.90%	17.41%	17.41%	15.95%	15.95%	16.89%	16.89%	17.30%	17.16%	17.16%	16.13%	16.13%	17.23%	17.23%	17.19%	17.10%	18.54%	17.06%
CET 1	15.92%	15.92%	15.28%	15.28%	15.32%	15.32%	16.02%	15.59%	15.59%	14.04%	14.04%	14.55%	14.55%	14.80%	14.71%	14.71%	13.75%	13.75%	14.53%	14.53%	14.46%	14.31%	12.77%	12.05%
Net Interest Margin (%)	2.55%	2.49%	2.57%	2.59%	2.56%	2.60%	2.52%	2.67%	2.47%	2.73%	2.78%	2.70%	2.71%	2.69%	2.46%	2.32%	2.50%	2.54%	2.48%	2.33%	2.63%	2.91%	2.80%	2.11%
Cost to Income Ratio	60.97%	61.32%	60.84%	60.21%	61.20%	61.87%	60.55%	61.23%	54.61%	64.57%	62.10%	65.96%	62.82%	69.67%	72.16%	69.49%	73.16%	74.84%	72.16%	72.40%	71.91%	62.95%	62.62%	75.63%
Return on Assets	0.79%	0.96%	0.73%	0.79%	0.70%	0.72%	0.67%	0.67%	0.79%	0.63%	0.73%	0.57%	0.65%	0.50%	0.41%	0.38%	0.42%	0.31%	0.47%	0.52%	0.43%	0.96%	0.85%	-2.55%
Return on Equity	11.55%	14.29%	10.62%	11.71%	10.04%	10.41%	9.67%	10.82%	12.40%	10.98%	12.42%	9.86%	10.91%	8.80%	8.18%	7.29%	8.54%	6.23%	9.60%	10.47%	8.72%	22.18%	19.25%	-45.10%
Earning per share	1.86	0.59	1.27	0.47	0.79	0.42	0.38	1.43	0.44	1.04	0.42	0.62	0.35	0.27	0.88	0.21	0.67	0.17	0.50	0.28	0.23	1.94	1.53	-6.74
Book value per share	16.83	16.83	16.44	16.44	15.95	15.95	15.95	15.43	15.43	13.62	13.62	13.16	13.16	12.77	11.56	11.56	11.00	11.00	10.67	10.67	10.64	10.01	7.45	12.65
Adj Book Value	15.93	15.93	15.65	15.65	15.11	15.11	15.08	14.50	14.50	12.42	12.42	11.83	11.83	11.38	10.17	10.17	9.51	9.51	9.15	9.15	9.10	8.55	5.65	8.40
DPS	0.39	—	—	—	—	—	—	0.07	—	—	—	—	—	—	0.20	—	—	—	—	—	—	0.48	0.31	0.00
Dividend Payout	20.93%	—	—	—	—	—	—	4.89%	—	—	—	—	—	—	22.77%	—	—	—	—	—	—	24.78%	20.22%	0.00%
Cost Ratios as % of Total Income
Interest / Discount on advances	8,581	2,178	71.53%	72.26%	71.15%	71.65%	70.62%	71.05%	73.77%	70.02%	71.79%	69.05%	69.31%	68.79%	71.71%	71.25%	71.87%	71.64%	71.99%	71.54%	72.45%	68.84%	67.34%	69.77%
Income on Investments	3,309	827	27.72%	27.21%	27.99%	27.86%	28.12%	28.09%	25.69%	29.00%	27.34%	29.90%	29.17%	30.65%	27.40%	27.98%	27.20%	27.41%	27.09%	27.54%	26.62%	29.52%	29.52%	26.87%
Interest on bal with RBI and others	16	4	0.14%	0.14%	0.14%	0.11%	0.16%	0.15%	0.15%	0.15%	0.21%	0.12%	0.14%	0.09%	0.23%	0.23%	0.23%	0.25%	0.21%	0.21%	0.21%	0.38%	1.67%	1.64%
Others	16	4	0.61%	0.39%	0.73%	0.38%	1.09%	0.71%	0.39%	0.83%	0.65%	0.93%	1.39%	0.46%	0.67%	0.54%	0.71%	0.70%	0.71%	0.71%	0.72%	1.25%	1.47%	1.73%
other Income	1,778	427	15.09%	16.68%	14.27%	12.49%	16.10%	13.65%	21.42%	10.70%	11.54%	10.25%	13.10%	7.31%	12.60%	16.64%	11.21%	14.52%	9.46%	11.15%	7.71%	11.76%	13.96%	12.95%
Total Interest Expense	8,170	2,055	68.31%	67.58%	68.69%	68.32%	69.07%	67.05%	64.48%	68.02%	67.97%	68.04%	68.13%	67.95%	70.69%	72.22%	70.17%	70.32%	70.09%	71.95%	68.15%	62.80%	62.64%	67.57%
Net Interest Income	3,811	975	31.69%	32.42%	31.31%	31.68%	30.93%	32.95%	35.52%	31.98%	32.03%	31.96%	31.87%	32.05%	29.31%	27.78%	29.83%	29.68%	29.91%	28.05%	31.85%	37.20%	37.36%	32.43%
Wages	—	—	17.57%	18.40%	17.15%	16.32%	17.99%	18.19%	20.33%	17.38%	16.81%	17.69%	18.01%	17.35%	20.06%	20.67%	19.84%	21.99%	18.71%	17.92%	19.54%	19.03%	20.48%	24.21%
Other administrative Exps	1,338	364	10.89%	11.16%	10.75%	11.00%	10.49%	10.35%	10.77%	10.19%	10.24%	10.15%	10.24%	10.06%	10.19%	10.20%	10.18%	11.09%	9.70%	10.46%	8.91%	11.79%	11.66%	10.12%
−Total Operating Expenses	3,407	860	28.46%	29.56%	27.89%	27.32%	28.48%	28.54%	31.10%	27.56%	27.05%	27.84%	28.25%	27.42%	30.24%	30.87%	30.03%	33.08%	28.42%	28.38%	28.45%	30.82%	32.14%	34.32%
Profit before Tax and Provisions	2,182	542	18.31%	19.54%	17.69%	16.84%	18.56%	18.07%	25.84%	15.12%	16.51%	14.37%	16.72%	11.94%	11.67%	13.56%	11.02%	11.12%	10.96%	10.82%	11.11%	18.14%	19.19%	11.06%
PBT	—	—	12.70%	15.01%	11.51%	11.92%	11.10%	11.65%	14.00%	10.76%	12.78%	9.66%	11.22%	8.04%	9.67%	9.14%	9.85%	7.25%	11.21%	12.27%	10.11%	20.27%	16.72%	-48.81%
Income Tax	430	194	2.65%	3.95%	1.98%	2.10%	1.85%	2.80%	4.10%	2.31%	3.16%	1.84%	2.47%	1.20%	3.52%	3.52%	3.52%	2.67%	3.98%	4.41%	3.52%	3.84%	2.08%	-9.63%
PAT	—	—	10.06%	11.06%	9.54%	9.82%	9.25%	8.85%	9.90%	8.45%	9.62%	7.81%	8.75%	6.84%	6.14%	5.62%	6.32%	4.59%	7.24%	7.86%	6.59%	16.43%	14.64%	-39.19%

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