Link: https://links.sgx.com/1.0.0/corporate-announcements/FUZC1YQCCWX44RGJ/be9bd579155aeb143c5318e5b414e16396c531bb0a1c268ca40b141c85c3a135

Summary:

• Q2 FY2025-26 standalone net profit was ₹4,809 crore, up from ₹4,541 crore in Q1 and ₹5,238 crore in Q2 FY2024; first half net profit stood at ₹9,350 crore.

• Interest earned for H1 rose to ₹62,602 crore, total income reached ₹81,895 crore.

• Operating profit for H1 was ₹15,812 crore; net profit margin at 13.73%, operating profit margin at 22.34%.

• Basic EPS for H1 (before/after extraordinary items) was ₹18.08; diluted EPS ₹18.08; paid-up equity capital ₹1,036 crore.

• Asset quality: gross NPA at 2.16%, net NPA at 0.57%; provisioning coverage ratio (PCR) 93.21%.

• Capital adequacy ratio (Basel-III) at 16.54%, CET 1 ratio at 13.36%; government of India holds 63.97% stake.

• Total assets as of September 30, 2025 at ₹18,26,399 crore; net worth ₹1,25,126 crore.

• Deposits at ₹15,00,011 crore, advances at ₹12,58,337 crore.

• Cash & cash equivalents at ₹1,18,937 crore.

• Management continues disciplined provisioning, cost controls, and expanded retail/digital banking segments; Board approved the results on October 31, 2025.