Key Summary of Business Performance
Business Growth
The Bank recorded strong growth in global business.
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Global Deposits showed a steady rise.
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Global Advances (Gross) continued to increase.
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Domestic Deposits reflected consistent growth.
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Domestic Advances (Gross) maintained a positive trajectory.
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RAM (Retail, Agriculture, and MSME) Credit registered significant expansion.
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The Retail Lending Portfolio sustained strong momentum.
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The Housing Loan Portfolio displayed healthy growth.
Asset Quality
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Gross Non-Performing Assets (GNPA) improved compared to the previous quarter and the same period last year.
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Net Non-Performing Assets (NNPA) declined further, indicating enhanced credit quality.
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Provision Coverage Ratio (PCR) strengthened, reflecting continued improvement in asset quality and provisioning discipline.
Capital Adequacy
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The Capital to Risk-Weighted Assets Ratio (CRAR) remained strong, indicating a sound capital position.
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CET 1 Ratio maintained at a comfortable level.
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Tier I Ratio remained robust.
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Tier II Ratio reflected stable support to overall capital structure.
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Priority Sector & Financial Inclusion
The Bank continued to surpass all regulatory targets under Priority Sector Lending (PSL):
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Priority Sector Lending exceeded the mandated requirement.
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Agricultural Credit remained above the prescribed level.
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Credit to Small & Marginal Farmers achieved consistent growth.
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Credit to Weaker Sections and Micro Enterprises outperformed regulatory norms.
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Credit to Non-Corporate Farmers continued to expand steadily.
Network
As of September 30, 2025, the Bank maintained an extensive and diversified network comprising:
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Total Branches: 9,948
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Rural: 3,165
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Semi-Urban: 2,954
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Urban: 1,957
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Metro: 1,872
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ATMs: 7,405
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Overseas Branches: 4 (London, New York, Dubai, and IBU Gift City)
