Investor Presentation

Performance Analysis For Quarter Ended/Half year ended 30TH September 2026 (26.10.2026) Table of Content PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE 03 05 BUSINESS PERFORMANCE NPA MANAGEMENT 13 20 CAPITAL ADEQUACY FINANCIAL INCLUSION 23 25 CUSTOMER TOUCH POINT SHARE HOLDING PATTERN 26 27 ASSETS & LIABILITIES ESG INITIATIVES 28 34 ACCOLADES & AWARDS DIGITAL INITIATIVES 37 40 PERFORMANCE HIGHLIGHTS (Rs. In Crores) PROFITABILITY Quarter Ended Q-O-Q Y-o-Y Parameters ( %) ( %) Sep-25 Jun-26 Sep-26 Net Profit 1226 1659 1912 15.25% 55.95% B Operating Profit 2400 2693 3016 12.01% 25.67% I Net Interest Income 3059 3688 3867 4.85% 26.41% R Operating Income 4425 5848 5094 -12.89% 15.12% STRENGTHENING FINANCIAL INDICATORS Quarter Ended R Q-O-Q Y-o-Y O Parameters GT Sep-25 Jun-26 Sep-26 ( %) ( %) N I NIM (DOMESTIC) 3.35% 3.48% 3.49% 1 bps 14 bps NIM (GLOBAL) 3.21% 3.37% 3.37% - 16 bps A ROA 1.20% 1.41% 1.53% 12 bps 33 bps R ROE 19.95% 22.69% 24.58% 189 bps 463 bps COST TO INCOME 45.76% 53.95% 40.78% (1317 bps) (498 bps) F CRAR 17.94% 19.36% 18.60% (76 bps) 66 bps 3 PERFORMANCE HIGHLIGHTS (Rs. In Crores) BUSINESS GROWTH Quarter Ended Q-O-Q Y-O-Y Parameters ( %) ( %) Sep-25 Jun-26 Sep-26 H CASA 137387 154415 165862 7.41% 20.73% Savings Bank 111260 127262 131408 3.26% 18.11% G Retail Term Deposits 171384 186882 193189 3.38% 12.72% S Total Deposits 339066 376193 407428 8.30% 20.16% Advances 277968 322132 345650 7.30% 24.35% B Business 617034 698325 753078 7.84% 22.05% ASSET QUALITY Quarter Ended Q-O-Q Y-o-Y Parameters Sep-25 Jun-26 Sep-26 ( %) ( %) Gross NPA 5078 4292 4114 -4.15% -18.98% T Net NPA 776 588 544 -7.48% -29.90% GNPA% 1.83% 1.33% 1.19% (14 bps) (64 bps) NNPA% 0.28% 0.18% 0.16% (2 bps) (12 bps) S SLIPPAGE RATIO 0.11% 0.06% 0.07% 1 bps (4 bps) PCR 97.48% 97.67% 97.69% 2 bps 21 bps FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y H1 26-27 Particulars H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest Income 7849 8778 9201 15234 17979 4.82% 17.23% 18.02% Interest Expenses 4790 5090 5334 9429 10424 4.79% 11.36% 10.55% Net Interest Income 3059 3688 3867 5805 7555 4.85% 26.41% 30.15% Non Interest Income 1365 2160 1227 2846 3387 -43.19% -10.11% 19.01% Operating Income 4425 5848 5094 8652 10941 -12.89% 15.12% 26.46% Operating Expenses 2025 3155 2077 3894 5232 -34.17% 2.57% 34.36% Operating Profit 2400 2693 3016 4758 5710 11.99% 25.67% 20.01% Total Provisions 673 834 950 1517 1784 13.91% 41.16% 17.60% Tax expenses 501 200 154 904 354 -23.00% -69.26% -60.84% Net Profit 1226 1659 1912 2337 3572 15.25% 55.95% 52.85% TOTAL INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y H1 26-27 Particulars H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest on Loans 5920 6662 7083 11429 13746 6.32% 19.65% 20.27% Interest on Investment 1872 1978 2053 3701 4030 3.79% 9.67% 8.89% Other Interest Income 57 138 65 105 203 -52.90% 14.04% 93.33% Total Interest Income 7849 8778 9201 15234 17979 4.82% 17.23% 18.02% Exchange & Commission 452 476 477 850 953 0.21% 5.53% 12.12% Profit / Loss on Sale of 153 194 162 360 357 -16.49% 5.88% -0.83% Investments Recovery from technical 416 487 371 990 858 -23.82% -10.82% -13.33% Written of Account PSLC Commission 210 863 0 409 863 -100.00% -100.00% 111.00% All other Income 135 141 216 238 357 53.19% 60.00% 50.00% Total Non Interest Income 1365 2160 1227 2846 3387 -43.19% -10.11% 19.01% Total Income 9214 10938 10428 18081 21366 -4.66% 13.18% 18.17% FEE BASED INCOME (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 A.Exchange & Commission 115 90 94 236 184 4.44% -18.26% -22.03% B.Income from Non Fund 72 83 72 132 155 -13.25% 0.00% 17.42% Based Business C.Processing charges 127 177 159 236 337 -10.17% 25.20% 42.80% D.ATM/DBD Related Income 136 128 145 233 273 13.28% 6.62% 17.17% E.Marketing/FI/Govt Business 13 18 18 30 36 0.00% 38.46% 20.00% F.Miscellaneous Income 263 921 57 506 978 -93.81% -78.33% 93.28% FEE BASED INCOME 727 1418 543 1374 1961 -61.71% -25.31% 42.72% (A+B+C+D+E+F) Overseas 14 19 20 32 39 5.26% 42.86% 21.88% Fee Based Income - Global 740 1437 563 1405 2000 -60.82% -23.92% 42.35% TOTAL EXPENSES (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y Particulars H1 26-27 H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Interest on Deposits 4117 4336 4672 8123 9008 7.75% 13.48% 10.89% Interest on Borrowings 672 754 662 1305 1416 -12.20% -1.49% 8.51% Total Interest Expenses 4790 5090 5334 9429 10424 4.79% 11.36% 10.55% Staff Expenses 1172 2104 884 2338 2988 -57.98% -24.57% 27.80% Other Expenses 853 1050 1193 1555 2243 13.62% 39.86% 44.24% Operating Expenses 2025 3155 2077 3894 5232 -34.17% 2.57% 34.36% Total Expenses 6814 8245 7411 13323 15656 -10.12% 8.76% 17.51% PROFIT PARAMETER (Rs. In Crores) Quarter Ending Half Year Ending Growth % Q-o-Q Y-o-Y H1 26-27 Particulars H1 H1 Sep 26 Sep 26 Sep-25 Jun-26 Sep-26 OVER 25-26 26-27 Over Over H1 25-26 Jun 26 Sep 25 Operating Profit 2400 2693 3016 4758 5710 11.99% 25.67% 20.01% Provisions 673 834 950 1517 1784 13.91% 41.16% 17.60% of which NPA Provisions A.) NPA Provisions 121 106 142 300 248 33.96% 17.36% -17.33% B.) Other Provisions 552 728 808 1217 1536 10.99% 46.38% 26.21% Tax Expenses 501 200 154 904 354 -23.00% -69.26% -60.84% Net Profit 1226 1659 1912 2337 3572 15.25% 55.95% 52.85% Q-o-Q 6 Months 5710 3016 4758 2693 2400 3572 1912 1659 2421 2337 2138 1174 1226 1034 1104 Sep-25 Jun-26 Sep-26 HY 2025-26 HY 2026-27 Operating Profit Provisions & Others Net Profit Operating Profit Provisions & Others Net Profit 9 PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) NET INTEREST MARGIN % (GLOBAL) 3.37 3.32 3.37 3.49 3.48 3.25 3.21 3.42 3.35 3.35 H1 25-26 H1 26-27 H1 25-26 H1 26-27 3.26 3.48 3.12 3.37 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 RETURN ON ASSETS % RETURN ON EQUITY % 24.58 1.53 22.69 21.94 1.41 20.98 1.32 19.95 1.28 1.20 H1 25-26 H1 26-27 H1 25-26 H1 26-27 1.17 1.46 19.40 23.83 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.05 5.16 4.92 5.07 4.79 4.77 4.90 4.70 4.85 4.88 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.94 9.19 8.83 8.80 8.71 9.03 8.97 8.89 8.82 8.61 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 PERFORMANCE RATIOS YIELD ON INVESTMENT % YIELD ON FUNDS(%) 6.88 8.19 8.19 6.79 6.69 6.67 6.62 8.00 8.01 7.93 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 COST TO INCOME % CREDIT COST % 53.95 0.44 45.76 45.74 44.02 0.30 40.78 0.18 0.17 0.14 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 SEP 25 DEC 25 MAR 26 JUN 26 SEP 26 BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Sep-25 Jun-26 Sep-26 Amount % Amount % Savings Bank 111260 127262 131408 4146 3.26% 20148 18.11% Current Deposits 26127 27153 34454 7301 26.89% 8327 31.87% CASA 137387 154415 165862 11447 7.41% 28475 20.73% Retail Term Deposits 171384 186882 193189 6307 3.37% 21805 12.72% Term Deposits 201679 221778 241566 19788 8.92% 39887 19.78% Total Deposits 339066 376193 407428 31235 8.30% 68362 20.16% Advances 277968 322132 345650 23518 7.30% 67682 24.35% Business Mix 617034 698325 753078 54753 7.84% 136044 22.05% CASA%(Global) 40.52% 41.05% 40.71% (34 bps) 19 bps CD Ratio%(Global) 81.98% 85.63% 84.84% (79 bps) 286 bps CASA%(Domestic) 41.01% 41.45% 41.14% (31 bps) 13 bps CD Ratio%(Domestic) 78.78% 83.32% 81.39% (193 bps) 261 bps ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Sep-25 Jun-26 Sep-26 Amount % Amount % Retail 78765 96637 105364 8727 9.03% 26599 33.77% Agri 83023 112403 122305 [Showing first 8,000 characters — download PDF for full document]