Highlights

Business

• Business crossed Rs109 Trillion.
• Deposits & Advances at Rs59.8 Trillion & Rs49.3 Trillion respectively.
• Agri Portfolio crossed Rs4 Trillion.

Profitability

• Net Profit for FY26 stands at Rs80,032 crores witnessing a growth of 12.88% YoY. Net Profit for Q4FY26 stands at Rs19,684 crores.
• Operating Profit for FY26 grew by 11.25% YoY to Rs1,23,015 crores.
• Bank’s ROA and ROE for FY26 stand at 1.12% and 18.57% respectively.
• Net Interest Income (NII) for FY26 increased by 4.08% YoY. 
• Whole Bank and Domestic NIM for the FY26 stand at 2.91% and 3.03% respectively.
• Whole Bank NIM for Q4FY26 is at 2.81% and Domestic NIM is at 2.93%.

Balance Sheet

• Whole Bank Advances growth at 16.87% YoY with Domestic Advances growth at 16.33% YoY.
• Foreign Offices’ Advances grew by 20.01% YoY.
• Retail Advances grew by 17.11% YoY, with double digit growth in all segments. SME Advances grew by 20.99% YoY followed by Agri Advances growth of 19.68% YoY and Retail Personal Advances growth of 15.22%.
• Corporate Advances registered YoY growth of 14.83%.
• Whole Bank Deposits grew by 11.03% YoY. CASA Deposits grew by 9.53% YoY. CASA Ratio stands at 39.46% as on 31st March 26. Retail Term Deposits registered YoY growth of 14.77%.

Asset Quality

• Gross NPA Ratio at 1.49% improved by 33 bps YoY.
• Net NPA Ratio at 0.39% improved by 8 bps YoY.
• Provision Coverage Ratio (PCR) stands at 74.36% while PCR (incl. AUCA) stands at 91.97%. 
• Slippage Ratio for FY26 improved by 1 bp YoY and stands at 0.54%. Slippage Ratio for Q4FY26 stands at 0.47%.
• Credit Cost for Q4FY26 stands at 0.27%. 

Capital Adequacy

• Capital to Risk Weighted Assets Ratio (CRAR) as at the end of Q4FY26 stands at 15.40%.

Alternate Channels

• More than 66% of SB accounts opened digitally through YONO in FY26.
• Share of Alternate Channels in total transactions increased from 98.2% in FY25 to ~98.7% in FY26.

Rs in Crores

Q4FY25

Q3FY26

Q4FY26

YoY %

QoQ %

FY25

FY26

YoY %

Profit & Loss

Interest Income

1,19,509

1,22,352

1,23,098

3.00

0.61

4,61,864

4,82,797

4.53

Interest Expenses

76,892

77,366

78,718

2.37

1.75

2,95,524

3,09,677

4.79

Net Interest Income

42,618

44,987

44,380

4.13

-1.35

1,66,340

1,73,120

4.08

NIM, % (Domestic)

3.14

3.11

2.93

-21 bps

-18 bps

3.21

3.03

-18 bps

Operating Profit

31,286

32,862

27,704

-11.45

-15.70

1,10,579

1,23,015

11.25

Loan loss provisions

3,964

3,216

3,140

-20.78

-2.34

14,418

15,422

6.96

Profit after tax

18,643

21,028

19,684

5.58

-6.39

70,901

80,032

12.88

Rs in Crores

Mar 25

Dec 25

Mar 26

YoY %

QoQ %

Balance Sheet

Gross advances

42,20,703

46,83,508

49,32,627

16.87

5.32

Domestic Corporate

12,40,592

13,33,564

14,24,589

14.83

6.83

   Domestic Retail Personal

15,06,477

16,63,759

17,35,778

15.22

4.33

  Of which: Home loans

8,30,763

9,08,971

9,44,210

13.66

3.88

Deposits

53,82,190

57,01,309

59,75,642

11.03

4.81

Domestic CASA

20,65,161

21,39,726

22,62,011

9.53

5.71

Domestic Term Deposits

31,01,702

33,28,126

34,70,949

11.90

4.29

CASA Ratio (%)

39.97

39.13

39.46

-51 bps

33 bps

GNPA

76,880

73,637

73,452

-4.46

-0.25

NNPA

19,667

18,012

18,830

-4.25

4.54

Ratios (%)

Q4FY25

Q3FY26

Q4FY26

YoY, bps

QoQ, bps

FY25

FY26

YoY, bps

Asset Quality

GNPA

1.82

1.57

1.49

-33

-8

1.82

1.49

-33

NNPA

0.47

0.39

0.39

-8

0

0.47

0.39

-8

PCR (with AUCA)

92.08

92.37

91.97

-11

-40

92.08

91.97

-11

PCR (without AUCA)

74.42

75.54

74.36

-6

-118

74.42

74.36

-6

Slippage Ratio

0.42

0.40

0.47

5

7

0.55

0.54

-1

Credit Cost

0.39

0.29

0.27

-12

-2

0.38

0.37

-1

Capital Ratios

CET-1 Ratio

10.81

10.99

12.29

148

130

10.81

12.29

148

Tier-1 Ratio

12.11

12.07

13.33

122

126

12.11

13.33

122

CRAR

14.25

14.04

15.40

115

136

14.25

15.40

115