The bank reported standalone net profit of Rs 161.16 crore for the quarter ended December 31, 2025 as compared to Rs 1401.28 crore in the same period last year, registering a year-on-yearÿdeclineÿof 88.50 per cent.

Interest income of the bank declined by 11.15 per cent at Rs 11372.88 crore for the quarter ended December 31, 2025 as against Rs 12800.77 crore in the corresponding period last year.

During the October-December quarter, total income dipped moderately by 13.67 per cent to Rs 13,079.39 crore from Rs 15,151.01 crore in the year ago period.

Meanwhile, operating expenses dropped by 6.75 per cent to Rs 10,772.63 crore from Rs 11,552.10 crore in the same period last year.

Operating profit slipped 35.90 per cent to Rs 2,306.76 crore from Rs. 3,598.91 crore.

Provisions and Contingencies surged by 19.78 per cent at Rs 2,088.60 crore from Rs 1,743.63 crore a year ago.

NII, the difference between interest earned on loans and interest paid on deposits, slipped by 12.75 per cent at Rs 4,561.65 crore versus Rs 5,228.09 crore in the year ago period. Non-interest income dipped 27.39 per cent year-on-year to Rs 1,706.51 crore.

On the asset side, gross non- performing assets (NPAs)ÿroseÿto 3.56 per cent of the gross advances as at the end of December 31, 2025 from a level of 2.25 per cent year earlier. Its net NPAs or bad loans tooÿincreasedÿto 1.04 per cent of net advances on December 31, 2025 from 0.68 per cent a year ago.