reported a net profit of ₹2,413.53 lakh for the quarter ended September 30, 2025, marking an increase of 87.34% compared to a net profit of ₹1,288.25 lakh in the same period last year. This improvement comes despite higher provisions and contingencies during the quarter.
Net interest income (NII) for the quarter stood at ₹77,367.61 lakh, down from ₹80,230.92 lakh in the same quarter last year, reflecting a decrease of approximately 3.6%. The bank’s net interest margin (NIM) for the quarter stood at 6.29%. The gross (GNPA) ratio was reported at 2.92%, consistent with the previous quarter’s figure of 2.92%, indicating stable asset quality. The net non-performing assets (NNPA) ratio was 0.98%, unchanged from the previous quarter.
Provisions & contengencies
Provisions and contingencies for the quarter were ₹20,702.28 lakh, compared to ₹32,965.60 lakh in the same period last year. The bank’s capital adequacy ratio, as per Basel II norms, improved to 20.74% from 19.36% a year ago, reflecting a strong capital position.
Deposits & advances
The bank’s total deposits increased to ₹44,09,350.31 lakh as of September 30, 2025, from ₹39,75,345.06 lakh a year earlier. Advances grew to ₹36,35,228.27 lakh from ₹33,96,250.05 lakh in the same period last year. The bank’s total assets stood at ₹55,43,131.55 lakh, up from ₹48,63,354.88 lakh a year ago.
During the half year ended September 30, the bank raised ₹500 crore through non-convertible debentures, as disclosed in the filing. The proceeds were fully utilised for the intended purposes with no material deviation from the stated objectives.
The Bank’s Certificate of Deposit (CD) programme holds the highest rating of A1+ from India Ratings, CareEdge Ratings, and CRISIL. As of September 30, 2025, the Bank’s Liquidity Coverage Ratio (LCR) stood at 184.44%. Income from investments, including mark-to-market (MTM) gains and dividends, amounted to ₹34 crore for the quarter.
Disclaimer: This article was generated using AI tools and has undergone editorial review for clarity and coherence.