Concall — clean across the call.

As on June 30, 2025, the total business of the bank stood at <strong>₹5,93,000 crore</strong>. Year-on-year (YoY) growth was 12.19%. Quarter-on-quarter (QoQ) growth on sequential basis was 5.56%. Total deposits registered a YoY growth of 10.75% and a QoQ growth of 6.04%. Total advances (credit) grew by 14.05% YoY, and by 4.96% QoQ. Net profit grew 75.57% YoY. In absolute terms, it stood at ₹1,111 crore. Operating profit increased 40.70% YoY, though there was a negative growth QoQ of approximately 10%. Net Interest Income (NII) grew 12.50% YoY, rising from ₹2,441 crore last year to ₹2,746 crore this year. GNPA and NNPA is consistently coming down for last three years. Gross NPA (GNPA) stood at 1.97% as of June 2025. Net NPA (NNPA) declined to 0.32%, down from 0.51% a year ago. Provision Coverage Ratio (PCR) remained consistently above 96%-97%.

As of June 2025, it sto od at <strong>97.47%</strong>, reflecting a YoY improvement of 51 basis points. Credit cost remained stable at 0.29%, the same level as June 2024. Slippage ratio was 0.10% in the June 2025 quarter, compared to 0. 13% a year ago. The CASA ratio continues to remain strong at 43.78%, sustaining our position above 43% for several quarters. Net Interest Margin (NIM) was 3.04% for June 2025, compared to 3.06% in June 2024. Sequentially, NIM decline d from 3.58% in March 2025 due to industry -wide margin pressure.