19 January 2026– The Bank reported a steady financial performance for the third quarter ended December 31, 2025 (Q3 FY2026), marked by improved profitability, robust business growth, enhanced asset quality, and a strengthened capital position.
The Bank recorded a net profit of ₹1,935 crore in Q3 FY2026, compared to ₹1,908 crore in Q3 FY2025, reflecting sustained earnings momentum.
Return on Assets (ROA) stood at 1.83% for Q3 FY2026, compared to 1.99% in the corresponding quarter of the previous year.
The Cost of Deposits remained stable at 4.62%, unchanged from Q3 FY2025, while the Cost of Funds improved to 4.74%, from 4.82% a year ago.
The Bank reported a Return on Equity (ROE) of 14.49%, a Cost-to-Income Ratio of 56.61%, and a healthy Net Interest Margin (NIM) of 3.52% during the quarter.
The Bank’s total deposits increased to ₹3,07,858 crore as on December 31, 2025, from ₹2,82,439 crore as on December 31, 2024, registering a year-on-year growth of 9%.
CASA deposits stood at ₹1,35,632 crore, with a CASA ratio of 44.06% as on December 31, 2025, compared to ₹1,30,899 crore and 46.35%, respectively, in the previous year.
Net advances grew by 15% YoY, reaching ₹2,38,786 crore as on December 31, 2025, as against ₹2,06,807 crore as on December 31, 2024.
The composition of the Gross Advances portfolio remained well diversified, with Corporate and Retail advances at a ratio of 29:71.
The Bank continued to demonstrate strong asset quality metrics. The Gross NPA ratio improved to 2.57% as on December 31, 2025, from 3.57% as on December 31, 2024, representing an improvement of 100 basis points.
The Net NPA ratio remained low at 0.18%.
The Provision Coverage Ratio (including Technical Write-Offs) stood at 99.33%, compared to 99.47% in the corresponding period last year, reflecting prudent risk management practices.
The Bank’s capital position strengthened further during the quarter. Tier-I Capital increased to 23.53% as on December 31, 2025, from 19.91% a year earlier.
The Capital to Risk Weighted Assets Ratio (CRAR) improved to 24.63%, compared to 21.98% as on December 31, 2024.
Risk Weighted Assets (RWA) stood at ₹2,11,567 crore as on December 31, 2025, compared to ₹1,87,678 crore in the previous year.
