Concall — clean across the call.

So far as business growth is concerned, we grew by <strong>20.76%</strong> and it stood at Rs 6,78,614 crores as of 31st March 2026 when compared to Rs 5,61,958 crores as on 31st March 2025. Advances grew by 24.16%, the total deposits grew by 18.03% CASA stood at 40.99%, and that is in terms of the percentage, in terms of the amount it stood at Rs 1,50,936 crores as of 31st March '26.

net interest income stood at Rs <strong>12,574 crore</strong>s, registering a 15.46 % growth on year -on-year basis when compared to Rs 10,890 crores as of 31st March '25. Net interest margin stood at 3.21% as of 31st March 2026. Operating profit grew by 15.40% and it stood at an all -time high of Rs 10,026 crores as of 31st March 2026, when compared to Rs 8,688 crores as of 31st March 2025. Net profit grew by 56.16% and it stood at approximately Rs 5,208 crores when compared to Rs 3,335 crore as of 31st March 2025.

GNPA came down by <strong>72 bps</strong> and it stood at 1.42% as of 31st March 2026 when compared to 2.14% as of 31st March 2025. NNPA also came down by 16 bps and it stood at 0.21% as of 31st March 2026 when compared to 0.37% as at 31st March 2025. provision coverage ratio stood at 97.50% as of 31st March 2026, registering a year -on-year growth of 20 bps. CRAR stood at 19.78% when compared to 19.04% as of 31st March 2025. Return on assets increased by 31 bps and stood at 1.23% as of 31st March 2026, when compared to 0.92% as of 31st March 2025. Return on equity increased by 414 bps and it stood at 20.42% as of 31st March 2026 when compared to 16.28% as of 31st March 2025.

cost to income came down by <strong>220 bps</strong> and it stood at 44.94 as of 31st March 2026 when compared to 47.14 as of 31st March 2025. Slippage ratio as regards the quarter end of 31st March 2026, it stood at 0.13% and for the full financial year, slippage ratio stood at 0.49%.

CET1 stood at <strong>16.94%</strong>, Tier 2 is 2.84%, total CRAR stood at 19.78% as of 31st March, 2026, as against a regulatory minimum of 11.50%. The Government of India is the major shareholder. Their shareholding stood at 92.44% as a major shareholder, followed by LIC at 3% approximately.