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Performance Analysis For Quarter Ended 30TH June 2026 (20.07.2026) 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 DIGITAL INITIATIVES 28 34 ESG INITIATIVES ACCOLADES & AWARDS 42 45 PERFORMANCE HIGHLIGHTS (Rs. In Crores) PROFITABILITY Quarter Ended Y-o-Y ( %) Parameters Jun-25 Jun-26 Net Interest Income 2746 3688 34.30% I L Non Interest Income 1481 2160 45.87% A Operating Income 4227 5848 38.35% O Operating Profit 2358 2693 14.21% P Net Profit 1111 1659 49.32% BUSINESS GROWTH Quarter Ended Parameters Y-O-Y ( %) Jun-25 Jun-26 CASA 144837 154415 6.61% SH Savings Bank 107718 127262 18.14% W Retail Term Deposits 161371 186882 15.81% S Total Deposits 330792 376193 13.72% Advances 262421 322132 22.75% Business 593213 698325 17.72% PERFORMANCE HIGHLIGHTS (Rs. In Crores) STRENGTHENING FINANCIAL INDICATORS S Quarter Ended Parameters Y-o-Y ( %) A Jun-25 Jun-26 NIM (DOMESTIC) 3.17% 3.48% 31 bps G L NIM (GLOBAL) 3.04% 3.37% 33 bps EC ROA 1.14% 1.41% 27 bps SA ROE 19.00% 22.69% 369 bps I CRAR 18.28% 19.36% 108 bps ASSET QUALITY Quarter Ended Parameters Y-o-Y (%) Jun-25 Jun-26 Gross NPA 5178 4292 -17.11% L Net NPA 816 588 -27.94% Q GNPA% 1.97% 1.33% (64 bps) E NNPA% 0.32% 0.18% (14 bps) A PCR 97.47% 97.67% 20 bps FINANCIAL PERFORMANCE (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest Income 7386 8489 8778 3.40% 18.85% Interest Expenses 4639 5019 5090 1.41% 9.72% Net Interest Income 2746 3470 3688 6.28% 34.30% Non Interest Income 1481 1291 2160 67.31% 45.85% Operating Income 4227 4761 5848 22.83% 38.35% Operating Expenses 1869 2096 3155 50.52% 68.81% Operating Profit 2358 2665 2693 1.05% 14.21% Total Provisions 844 1006 834 -17.10% -1.18% Tax expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% TOTAL INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Loans 5509 6442 6662 3.42% 20.93% Interest on Investment 1829 1912 1978 3.45% 8.15% Other Interest Income 48 135 138 2.22% 187.50% Total Interest Income 7386 8489 8778 3.40% 18.85% Exchange & Commission 398 510 476 -6.67% 19.60% Profit / Loss on Sale of 207 -63 194 -407.94% -6.28% Investments Recovery from technical 574 540 487 -9.81% -15.16% Written off A/cs PSLC Commission 199 48 863 1697.92% 333.67% All other Income 103 256 141 -44.92% 36.89% Total Non Interest Income 1481 1291 2160 67.31% 45.85% Total Income 8866 9780 10938 11.84% 23.37% FEE BASED INCOME (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 A. Exchange & Commission 121 172 90 -47.67% -25.62% B. Income from Non Fund 60 68 83 22.06% 38.33% Based Business C. Processing charges 109 124 177 42.74% 62.39% D. ATM/DBD Related Income 97 140 128 -8.57% 31.96% E. Marketing/FI/Govt 17 15 18 20.00% 5.88% Business F. Miscellaneous Income 243 176 921 423.30% 279.01% FEE BASED INCOME 647 696 1418 103.74% 119.17% (A+B+C+D+E+F) Overseas 18 15 19 26.67% 5.56% Fee Based Income-Global 665 710 1437 102.39% 116.09% TOTAL EXPENSES (Rs. In Crores) Quarter Ending Growth % Particulars Q-o-Q Y-o-Y June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Interest on Deposits 4006 4287 4336 1.14% 8.24% Interest on Borrowings 633 733 754 2.86% 19.12% Total Interest Expenses 4639 5019 5090 1.41% 9.72% Staff Expenses 1166 1006 2104 109.15% 80.45% Other Expenses 703 1090 1050 -3.67% 49.36% Operating Expenses 1869 2096 3155 50.52% 68.81% Total Expenses 6509 7115 8245 15.88% 26.67% PROFIT PARAMETER (Rs. In Crores) Quarter Ending Growth % Q-o-Q Y-o-Y Particulars June 26 June 26 Jun-25 Mar-26 Jun-26 Over Over Mar 26 June 25 Operating Profit 2358 2665 2693 1.05% 14.21% Provisions 844 1006 834 -17.10% -1.18% of which NPA Provisions A.) NPA Provisions 178 225 106 -52.89% -40.45% B.) Other Provisions 666 781 728 -6.79% 9.31% Tax Expenses 403 154 200 29.87% -50.37% Net Profit 1111 1505 1659 10.23% 49.32% 2665 2693 2358 1659 1505 1247 1111 1160 1034 Jun-25 Mar-26 Jun-26 Operating Profit Provisions & Others Net Profit PERFORMANCE RATIOS NET INTEREST MARGIN % (DOMESTIC) NET INTEREST MARGIN % (GLOBAL) 3.48 3.32 3.37 3.42 3.21 3.25 3.35 3.35 3.04 3.17 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 RETURN ON ASSETS RETURN ON EQUITY 1.41 22.69 1.32 21.94 1.28 20.98 19.95 1.20 1.14 19.00 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 PERFORMANCE RATIOS COST OF DEPOSITS(%) COST OF FUNDS(%) 5.10 5.22 5.05 5.16 5.07 4.92 4.79 4.90 4.70 4.85 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 YIELD ON ADVANCES % (DOMESTIC) YIELD ON ADVANCES % (GLOBAL) 8.94 8.92 9.18 9.19 8.83 9.03 8.97 8.80 8.71 8.89 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 PERFORMANCE RATIOS YIELD ON INVESTMENT % YIELD ON FUNDS(%) 6.75 8.19 8.19 6.79 8.15 6.69 6.67 6.62 8.00 7.93 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 COST TO INCOME CREDIT COST 53.95 0.44 45.76 44.22 45.74 44.02 0.29 0.30 0.18 0.14 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 BUSINESS PERFORMANCE-GLOBAL (Rs. In Crores) Q-o-Q variation Y-o-Y variation Particulars Jun-25 Mar-26 Jun-26 Amount % Amount % CASA 144837 150936 154415 3479 2.30% 9578 6.61% Savings Bank 107718 124565 127262 2697 2.17% 19544 18.14% Retail Term Deposits 161371 183601 186882 3281 1.79% 25511 15.81% Term Deposits 185955 217256 221778 4522 2.08% 35823 19.26% Total Deposits 330792 368191 376193 8002 2.17% 45401 13.72% Advances 262421 310423 322132 11709 3.77% 59711 22.75% Business Mix 593213 678614 698325 19711 2.90% 105112 17.72% CASA%(Global) 43.78% 40.99% 41.05% 6 bps (273 bps) CD Ratio%(Global) 79.33% 84.31% 85.63% 132 bps 630 bps CASA%(Domestic) 44.16% 41.46% 41.45% (1 bps) (271 bps) CD Ratio%(Domestic) 75.75% 82.00% 83.32% 132 bps 757 bps ADVANCES (Rs. In Crores) Q-o-Q variation Y-o-Y variation Parameters Jun-25 Mar-26 Jun-26 Amount % Amount % Retail 70803 91086 96637 5551 6.09% 25834 36.49% Agri 76548 103821 112403 8582 8.27% 35855 46.84% MSME 45246 50107 52554 2447 4.88% 7308 16.15% Total (RAM) 192597 245014 261594 16580 6.77% 68997 35.82% Corporate/others 51450 49390 44405 -4985 -10.09% -7045 -13.69% Domestic Advances 244048 294405 305999 11594 3.94% 61951 25.38% Global Advances 262421 310423 322132 11709 3.77% 59711 22.75% RAM to Adv (%) 73.39% 78.93% 81.21% 228 bps 782 bps JUNE 26 MSME Corporate/others Agri Retail 37% 32% RETAIL ADVANCES (Rs. In Crores) % Share to Y-O-Y Domestic Retail Total Retail Advances 36.49% GROWTH% Period Domestic Advances Advances Advances 96637 91086 83838 Jun-25 244048 70803 29.01% 78765 70803 Sep-25 260416 78765 30.25% Dec-25 278605 83838 30.09% Mar-26 294405 91086 30.94% Jun-26 305999 96637 31.58% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Housing Loans Y-O-Y 13.82% Vehicle Loans Y-O-Y 31.50% GROWTH% GROWTH% 7323 35942 6735 6984 6199 34948 5569 33919 32620 31578 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 AGRICULTURE ADVANCES (Rs. In Crores) Domestic % Share to Domestic Period Agri Advances Advances Advances Jun-25 244048 76548 31.37% Sep-25 260416 83023 31.88% Dec-25 278605 92996 33.38% Mar-26 294405 103821 35.26% Jun-26 305999 112403 36.73% Agri Advances Y-O-Y 46.84% GROWTH% 112403 103821 92996 83023 76548 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 MSME ADVANCES (Rs. In Crores) % Share to Domestic Period Domestic Advances MSME Advances Advances Jun-25 244048 45246 18.54% Sep-25 260416 48494 18.62% Dec-25 278605 50635 18.17% Mar-26 294405 50107 17.02% Jun-26 305999 52554 17.17% MSME Advances Y-O-Y 16.15% CORE MSME Y-O-Y 25.38% GROWTH% GROWTH% 52554 44339 40450 40951 50635 38433 50107 35363 48494 45246 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-2 [Showing first 8,000 characters — download PDF for full document]