Investor Presentation

Investor Presentation - Net Profit for FY26 was ₹4,369 Cr, up 15.43% y-y - NII grew 1.97% y-y to ₹14,171 Cr; Operating Profit up 4.37% y-y to ₹8,479 Cr - ROE improved 52 bps to 13.00%; NIM at 3.07%, one of the highest in industry - Global Business grew 18.29% y-y to ₹833,320 Cr; Advances up 28.58% y-y to ₹354,348 Cr - Credit Cost reduced to 0.40%; Gross NPA at 0.49%, Net NPA stable at 0.49% - Capital Adequacy Ratio at 18.28%, CET1 at 16.54%, Leverage ratio at 6.33% - Digital banking initiatives expanded with 117.81 lakh internet banking users and 91.57% digital transaction share - New products launched to boost CASA and MSME credit with cluster-based lending approach - Bank exited RBI's PCA framework in Jun 2022 and has shown sustained performance since - ESG initiatives include green deposits mobilizing ₹462.51 Cr and schemes promoting sustainable MSME practices