Key Summary of Business Performance

Business Growth

The Bank recorded strong growth in global business.

• Global Deposits showed a steady rise.

• Global Advances (Gross) continued to increase.

• Domestic Deposits reflected consistent growth.

• Domestic Advances (Gross) maintained a positive trajectory.

• RAM (Retail, Agriculture, and MSME) Credit registered significant expansion.

• The Retail Lending Portfolio sustained strong momentum.

• The Housing Loan Portfolio displayed healthy growth.

Asset Quality

• Gross Non-Performing Assets (GNPA) improved compared to the previous quarter and the same period last year.

• Net Non-Performing Assets (NNPA) declined further, indicating enhanced credit quality.

• Provision Coverage Ratio (PCR) strengthened, reflecting continued improvement in asset quality and provisioning discipline.

Capital Adequacy

• The Capital to Risk-Weighted Assets Ratio (CRAR) remained strong, indicating a sound capital position.

  • CET 1 Ratio maintained at a comfortable level.

  • Tier I Ratio remained robust.

  • Tier II Ratio reflected stable support to overall capital structure.

Priority Sector & Financial Inclusion

The Bank continued to surpass all regulatory targets under Priority Sector Lending (PSL):

• Priority Sector Lending exceeded the mandated requirement.

• Agricultural Credit remained above the prescribed level.

• Credit to Small & Marginal Farmers achieved consistent growth.

• Credit to Weaker Sections and Micro Enterprises outperformed regulatory norms.

• Credit to Non-Corporate Farmers continued to expand steadily.

Network

As of September 30, 2025, the Bank maintained an extensive and diversified network comprising:

• Total Branches: 9,948

  • Rural: 3,165

  • Semi-Urban: 2,954

  • Urban: 1,957

  • Metro: 1,872

• ATMs: 7,405

• Overseas Branches: 4 (London, New York, Dubai, and IBU Gift City)