MUMBAI, 16 OCTOBER:

• Net Profit increased Y-o-Y by 12.8% to ₹ 5,532 Crore in Q2 FY’27 as against ₹4,904 Crore in Q2 FY’26.
• RoA stood at 1.05% in Q2 FY’27, at the same level as 1.05% in Q2 FY’26.
• Global Net Interest Margin improved to 2.58% in Q2 FY’27 from 2.50% in Q1 FY’27.
• CRAR increased to 17.95% as on September’26 from 17.19% as on September’25.
• Book value per share (Tangible) improved to ₹111.94 in September’26 from ₹95.92 in September’25.
• Global Business grew by 11.9% on Y-o-Y basis to ₹31,18,434 Crore as on September’26 from ₹ 27,86,673 Crore as on September’25.
• Global Deposits registered a growth of 9.9% on Y-o-Y basis to ₹ 17,77,240 Crore as on September’26 from ₹ 16,17,080 Crore as on September’25.
• Global Advances increased by 14.7% on Y-o-Y basis to ₹ 13,41,194 Crore as on September’26 from ₹ 11,69,592 Crore as on September’25.
• CD Ratio stood at 75.5% as on September’26 as against 72.3% in September’25.
• GNPA ratio improved by 90 bps on Y-o-Y basis to 2.55% as on September’26 from 3.45% as on September’25.
• NNPA ratio improved by 11 bps on Y-o-Y basis to 0.25% as on September’26 from 0.36% as on September’25.
• Provision Coverage Ratio (including TWO) improved by 41 bps on Y-o-Y basis to 97.32% as on September’26 from 96.91% as on September’25.
• Slippage ratio stands at 0.77% as on Q2 FY’27 as compared to 0.71% as on Q2 FY’26.

Business Performance in Key Parameters

Deposit

• Savings Deposits increased to ₹ 5,42,893 Crore registering a Y-o-Y growth of 6.7%.
• Current Deposits increased to ₹ 83,053 Crore registering a Y-o-Y growth of 11.9%.
• CASA Deposits increased to ₹ 6,25,945 Crore recording a Y-o-Y growth of 7.3%.
• CASA Share of the bank stands at 36.6% as on September’26.

Advances

• Retail Advances excl. IBPC recorded a Y-o-Y growth of 16.3%.
• Housing Loan grew by 14.3% Y-o-Y to ₹1,41,836 Crore.
• Vehicle Loan posted a growth of 29.6% Y-o-Y to reach ₹ 38,234 Crore.

• Agriculture PS Advances grew by 18.1% on Y-o-Y basis to ₹ 1,71,156 Crore.
• MSME Advances increased Y-o-Y by 19.8% to ₹ 2,14,619 Crore.

Asset Quality

• Gross Non-Performing Assets (GNPA) declined by ₹ 6,153 Crore to ₹ 34,190 Crore as on September’26 from ₹40,343 Crore as on September’25.
• Net Non-Performing Assets (NNPA) declined by ₹ 713 Crore to ₹ 3,313 Crore as on September’26 from ₹4,026 Crore as on September’25.

Profitability

• Operating Profit for Q2 FY’27 was at ₹ 7,532 Crore and ₹ 15,051 Crore for HY1 FY’27 recording growth of 4.2% and 5.2%, respectively on YoY basis.
• Net Interest Income for Q2 FY’27 was at ₹ 11,601 Crore and ₹ 22,400 Crore for HY1 FY’27 recording a growth of 10.8% and 6.4%, respectively on YoY basis.
• Total Income for Q2 FY’27 was at ₹ 38,185 Crore and ₹ 75,416 Crore for HY1 FY’27 recording a growth of 5.4% and 2.7%, respectively on YoY basis.
• Total Interest Income for Q2 FY’27 was at ₹ 34,585 Crore and ₹ 67,482 Crore for HY1 FY’27 recording growth of 8.5% and 5.7%, respectively on YoY basis.
• Fee based income of the Bank is at ₹ 1,954 Crore for Q2 FY’27 increased from ₹1,685 Crore for Q2 FY’26, recording a growth of 16.0% on Y-o-Y basis.

(Disclaimer: The information provided here is investment advice only. Investing in the markets is subject to risks and please consult your advisor before investing)

(સ્પષ્ટતા: અત્રેથી આપવામાં આવતી તમામ પ્રકારની માહિતી કોઇપણ પ્રકારે રોકાણ/ ટ્રેડીંગ માટેની સલાહ નથી. બજારોમાં રોકાણ જોખમોને આધીન છે અને રોકાણ કરતા પહેલા કૃપા કરીને તમારા સલાહકારની સલાહ લો. વધુમાં અત્રે પ્રગટ થયેલા કોઇપણ સમાચાર કે વિગતો સાથે businessgujarat.in અંશતઃ કે સંપુર્સણપણે સહમત નથી.)