Concall — clean across the call.

the bank has reached a new mile stone of recording and all - in high of net profit, INR <strong>1,226 crore</strong>s. For the quarter, it's 57.79% year -on-year increase. Bank has achieved a business mix of INR 617,034 crores, recording year-on-year growth over 14.1%.

CASA grown in absolute terms to INR <strong>137,386 crore</strong>s with a year-on-year growth rate of 4.17%. CASA ratio as on September '25, is recorded at 40.52%. Growth advances -- grown year-on-year by 20.78% reaching INR 277,968 crores, against INR 230,149 crores as at 30th September 2024.

Bank has shown the operating profit of INR <strong>2,400 crore</strong>s, registering a year-on-year growth of 12.78%. Net profit of the bank has increased by INR 449 crores to INR 1,226 crores as on September 2025 as compared to INR 777 crores as on September 2024, recording a year-on-year growth of 57.79%.

Net interest margin for the quarter ended September 2025, is <strong>3.21%</strong> with increase of 13 bps compared to 3.08% as on Se ptember 2024. Cost-to-income ratio reduced to 45.76% with year - on-year reduction of 321 bps, showing a substantial reduction. Globally, credit deposit ratio improved year-on-year by 789 bps and registered at 81.98%.

gross NPA reduced from INR <strong>6,249 crore</strong>s to INR 5,078 crores year-on-year basis, and net NPA reduced from INR 1,059 crores to INR 776 crores. Gross net NPA percentage has reduced by 89 bps year -on-year from 2.72% as on September '24 and reached 1.83% as on Sept ember 2025. return on equity, 19.95% whereas for the last September 2024, it was 16.9%.