Bank Sustains Strong Growth Momentum with Healthy Asset Quality and Robust Profitability in Q4FY26
Highlights
- Board recommends dividend of ₹8.5 per equity share for FY26, reflecting 425% payout on face value of ₹2 per share.
- Bank’s Global Business crosses ₹30 lakh crore milestone as on March 31, 2026.
- Highest-ever quarterly Net Profit reported at ₹5,616 crore, up 11.2% YoY; FY26 Net Profit crosses ₹20,000 crore milestone at ₹20,021 crore.
- Operating Profit for Q4FY26 rises 11.5% YoY to ₹9,069 crore; FY26 Operating Profit stands at ₹32,259 crore.
- Net Interest Income (NII) for Q4FY26 grows 8.7% YoY to ₹12,494 crore; FY26 NII rises to ₹47,682 crore.
- Global NIM improves sequentially to 2.89% in Q4FY26, while Domestic NIM stands strong at 3.08%.
- ROA remains above 1% at 1.15% for Q4FY26; ROE improves sharply to 17.27%.
- Gross NPA improves by 37 bps YoY to 1.89%, while Net NPA declines to 0.45%.
- Provision Coverage Ratio strengthens to 93.94% with TWO.
- Slippage Ratio declines to 0.89% in Q4FY26 and 0.72% for FY26.
- Global Advances grow 16.2% YoY to ₹14.29 lakh crore; Domestic Advances rise 14.5%.
- Organic Retail Advances register strong 17.9% growth led by Auto, Mortgage, Home and Education Loans.
- RAM portfolio contribution rises to 61% of advances, up 120 bps YoY.
Profitability
- Q4FY26 Net Profit stands at ₹5,616 crore compared to ₹5,048 crore in Q4FY25.
- FY26 Net Profit increases to ₹20,021 crore from ₹19,581 crore in FY25.
- Q4FY26 NII rises to ₹12,494 crore from ₹11,494 crore a year ago.
- Operating Income for Q4FY26 stands at ₹16,460 crore.
- Operating Expenses decline 8.7% YoY during the quarter to ₹7,391 crore.
- Operating Profit increases to ₹9,069 crore during the quarter.
- ROA and ROE remain healthy at 1.15% and 17.27% respectively in Q4FY26.
Asset Quality
- Gross NPA Ratio improves to 1.89% from 2.26% YoY.
- Net NPA Ratio declines to 0.45% from 0.58%.
- PCR remains robust at 93.94% including TWO.
- Slippage Ratio improves to 0.89% for Q4FY26.
- Credit Cost stands at 0.76% for the quarter and 0.46% for FY26.
Capital Adequacy
- CRAR stands at 15.82% as of March 2026.
- CET-1 Ratio improves to 13.16%.
- Consolidated CRAR and CET-1 stand at 16.25% and 13.65% respectively.
- Average Liquidity Coverage Ratio remains strong at 127%.
Business Performance
- Domestic Deposits rise 12.8% YoY to ₹14.01 lakh crore.
- Global Deposits grow 12% YoY to ₹16.48 lakh crore.
- Domestic CASA deposits increase 9.8% YoY to ₹5.45 lakh crore.
- Global Advances rise 16.2% YoY to ₹14.29 lakh crore.
- International Advances grow 24.4% YoY.
- Organic Retail Loan portfolio expands 17.9% YoY.
- Agriculture portfolio grows 20.7%, while MSME portfolio rises 15.6%.
- Corporate Advances increase 11.2% YoY to ₹4.56 lakh crore.
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