Overview
- Standalone net profit rose 5.2% year on year to about ₹12,359–12,360 crore as lower provisioning offset softer treasury income.
- Net interest income increased to roughly ₹21,529–21,530 crore with a net interest margin of 4.3% for the quarter.
- Asset quality improved, with the gross NPA ratio at 1.58% and net NPA at 0.39%, alongside fresh slippages of about ₹5,034 crore.
- Total provisions excluding tax fell to about ₹910–₹914 crore, and the bank retained contingency buffers of ₹13,100 crore.
- Loans grew around 10.3% year on year and deposits about 7.7%, with retail forming roughly 58% of advances and business banking up about 24.8%, while CET-1 stood near 16.35% and average LCR near 127%.