Fees and commissions, the largest component of other income, increased to ₹9,690 crore from ₹8,840 crore a year earlier.

Foreign exchange and derivatives revenue declined marginally to ₹1,550 crore from ₹1,590 crore, while treasury trading gains fell sharply to ₹780 crore from ₹2,390 crore.

Miscellaneous income, including recoveries and dividends, rose to ₹1,810 crore from ₹1,530 crore.

Net interest margin (NIM) stood at 3.16 per cent of total assets and 3.32 per cent of interest-earning assets.

Operating expenses increased to ₹18,970 crore from ₹17,980 crore in the corresponding quarter a year earlier.

The cost-to-income ratio stood at 39.1 per cent.

Provisions and contingencies for the quarter amounted to ₹3,570 crore, while the total credit cost ratio stood at 0.44 per cent.

The bank’s gross advances stood at ₹32.2 trillion as of September 30, 2026, registering 16.3 per cent growth over a year earlier.

Average advances under management, adjusted for transfers through inter-bank participation certificates, bills rediscounted and securitisation or assignment, rose 14.1 per cent year-on-year to ₹31.87 trillion. They were up 4.9 per cent sequentially.

Retail loans grew 11.7 per cent year-on-year, while loans to small and mid-market enterprises increased 23.5 per cent.

Corporate and other wholesale loans rose 16.4 per cent. Overseas advances accounted for 3.3 per cent of total advances.

Total end-of-period deposits increased 18.8 per cent year-on-year to ₹33.27 trillion as of September 30, 2026.

Within this, time deposits rose 22.8 per cent to ₹22.76 trillion, while current account and savings account (CASA) deposits grew 10.8 per cent.

Savings account deposits stood at ₹7.16 trillion and current account deposits at ₹3.36 trillion.

CASA deposits accounted for 31.6 per cent of total deposits as of September 30, 2026.

The bank’s total balance sheet size increased to ₹45.78 trillion as of September 30, 2026, from ₹40.03 trillion a year earlier.

The bank’s gross non-performing assets (GNPA) ratio improved to 1.11 per cent of gross advances as of September 30, 2026, from 1.17 per cent in the June quarter and 1.24 per cent a year earlier.

Excluding non-performing assets in the agricultural segment, the GNPA ratio stood at 0.87 per cent, compared with 0.91 per cent in the June quarter and 0.99 per cent a year earlier.

Net non-performing assets stood at 0.37 per cent of net advances as of September 30, 2026.

On a consolidated basis, the bank reported net revenue of ₹78,690 crore and net profit of ₹20,700 crore for Q2FY27.

Consolidated net profit for the first half of FY27 stood at ₹39,940 crore.