Slides
Page 2
Major Highlights Business Performance Capital & Shareholding Asset Quality Business Network ESG Initiatives Digital Journey Awards & Accolades Financials 2 Overview िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 3
Business Asset Quality ProfitabilityBusiness₹637280 Cr.18.81% (Y-Y)Advance₹287690 Cr.24.70% (Y-Y) Deposit₹349590 Cr.14.36% (Y-Y) Agriculture₹41014 Cr.29.59% (Y-Y) Home Loan₹36369 Cr.20.29% (Y-Y)MSME₹50905 Cr.20.32% (Y-Y) Vehicle Loan₹9737 Cr.61.91% (Y-Y) Gross NPA1.96% 60 bps (Y-Y)Net NPA0.18%25 bps (Y-Y)PCR (Incl. TWO)98.36%137 bps (Y-Y) ₹76817 Cr.30.23% (Y-Y)RetailPCR (Excl. TWO)90.88%720 bps (Y-Y) Net Interest Income₹2886 Cr.13.96% (Y-Y) Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades Savings (Domestic)₹103736 Cr.9.10% (Y-Y) Current Deposit₹18523 Cr.19.70% (Y-Y) Operating Profit ₹1872 Cr.16.04% (Y-Y) Net Profit ₹786 Cr.26.77% (Y-Y) 3 CASA (Domestic)₹122259 Cr.10.59% (Y-Y) Major Highlights िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 4
GDP GrowthIndia entered FY2026-27 with strong growthmomentum. Real GDP grew by 7.8% and RealGVA by 8.2% in Q1FY27 driven bymanufacturing and services.Investments increased by 11.9%, householdconsumption grew by 7.1% and exports by12%.InflationHeadline CPI (new base-2024 series) rose to5.54% (provisional) in September 2026; food(CFPI) at 7.74%India’s Wholesale Price Index (WPI) inflationrose to 11.39% in September 2026 from 9.92%in August 2026External SectorForex Reserves (as on 25-09-26): US$ Bn 747.55Exports (Apr-Aug FY2026-27): USD 399.27 Bn vsUSD 345.55 Bn in Apr-Aug FY2025-26 (15.55%)CAD (Q1FY2026-27): $4.2 BN (0.5% of GDP) vs$3.4 Bn (0.4% of GDP) in Q1 FY2025-26 Major Economic Highlights1. Major Highlights & Growth Drivers 7.8%Real GDPQ1 FY2026-275.54%RBI CPISep-26$747.55BForexReserves (25-09-26) 2. Growth Projections (FY 2026-27) | Y-o-Y Growth (%)7.16.47.17.12.53.40 1 2 3 4 5 6 7 8World BankIMFRBIOECDWorldIndia3. Inflation | Y-o-Y Growth (%)RBI Quarterly CPI Outlook →4.9%Q2 FY276.0%Q3 FY275.7%Q4 FY275.6%Q1 FY284. Industrial Production | Y-o-Y Growth (%)Mining -5.6%Manufacturing9.0%Electricity & Gas12.3%Water, Sewerage & Waste Management6.3%4.14.43.04.95.08.86.78.05.23.22.92.73.26.05.04.8Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26IIPICI2.133.473.874.204.785.325.525.957.742.743.213.403.483.934.384.454.825.54Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26CFPI (Food Inflation)CPI (Inflation) FinancialsMajor HighlightsBusiness PerformanceAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesMajor Economic Highlights िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ 4
Page 5
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 5 Performance vs Guidance िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Parameters Guidance for FY 26-27Actual for Sep-26 QtrDeposit Growth (Y-O-Y)10-12%14.36%Credit Growth (Y-O-Y)12-14%24.70%CASA %37-38%36.77%RAM %62-65%65.76%CD Ratio80-82%82.29%Credit Cost<0.75%0.65%NIM Global2.8-2.9%3.00%GNPA<2.00%1.96%NNPA<0.20%0.18%Slippage Ratio <1%0.85%Total Recovery & Upgradation (in Cr) Upto Sep 2026 (FY 26-27)2000-2500 1910
Page 6
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 6 305697332315349590280000330000380000Sep-25 Jun-26 Sep-26Deposit 230702272768287690215000235000255000275000295000Sep-25 Jun-26 Sep-26Advance 536398605083637280500000535000570000605000640000Sep-25 Jun-26 Sep-26BusinessTotal Business िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Business Mix (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Global Business536398 605083 6372805.32 18.81Domestic493903 558899 5891735.42 19.29Overseas42495 46184 481074.16 13.21Global Deposits305697 332315 3495905.20 14.36Domestic290106 314412 3324755.74 14.60Overseas15591 17903 17116-4.40 9.78Global Advances 230702 272768 2876905.47 24.70Domestic203797 244487 2566984.99 25.96Overseas26905 28281 309929.59 15.19CD Ratio (%)75.47 82.08 82.29
Page 7
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 7 950801008701037367000095000120000Sep-25 Jun-26 Sep-26Savings 1547515266185237000120001700022000Sep-25 Jun-26 Sep-26Current 1105551161361222594000090000140000Sep-25 Jun-26 Sep-26CASA Global Deposits िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Particulars (₹ in Cr)Sep-25 Jun-26 Sep-26 Q-Q (%)Y-Y(%)1. Domestic Deposits 290106 314412 332475 5.74 14.60a) Current Deposits15475 15266 18523 21.33 19.70b) Saving Deposits95080 100870 103736 2.84 9.10 CASA Domestic110555 116136 122259 5.27 10.59c) Term Deposits 179551 198276 210216 6.02 17.082. Overseas Deposits15591 17903 17116 -4.40 9.783. Global Deposits (1+2) 305697 332315 349590 5.20 14.36CASA Domestic (%)38.11 36.94 36.77
Page 8
Sep-25 Jun-26 Sep-2634.77%35.48%34.27%20.76% 19.32%19.83%15.53%15.93%15.98%28.94%29.27%29.93%RetailAGRIMSMECorporate 8 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesDomestic Advances िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Particulars Growth Growth (₹ in Cr) (Q-Q) % (Y-Y) %1. Domestic Advances 203797 244487 256698 4.99 25.96a) Retail 58987 71549 768177.36 30.23b) Agriculture 31650 38952 410145.29 29.59c) MSME 42309 47244 509057.75 20.322. Total RAM (a+b+c) 132946 157745 168736 6.97 26.923. RAM Share (%) 65.23 64.52 65.73%d) Corporates & Others 70851 86742 879621.41 24.15Sep-25 Jun-26 Sep-26% Share in Domestic Advance including Corporate & Others
Page 9
47.34%12.68%3.38%10.62%25.98%Sep-26 Home Loan Vehicle Loan Personal Loan Pool Others Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 9 Retail Mix िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Particulars Growth Growth (₹ in Cr) (Q-Q) % (Y-Y) %Home Loan 30235 34596 36369 5.12 20.29Vehicle Loan 6014 8739 9737 11.42 61.91Personal Loan 2613 2645 2596 -1.85 -0.65Pool 6313 7125 8157 14.48 29.21Others 13812 18444 19958 8.21 44.50Total 58987 71549 76817 7.36 30.23Sep-26Jun-26Sep-25% Share in Total Retail Advance
Page 10
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades3165034954373363895241014Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Agriculture 10 Agriculture िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Agriculture (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 27330 34270 36198 5.63% 32.45%2. Agri Infrastructure & Ancillary Activities 4320 4682 4816 2.86% 11.48%3. Total (1+2) 31650 38952 41014 5.29% 29.59% Self Help Group Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) No of Group (Lakhs)1.84 1.90 1.93 1.58 4.89Balance Outstanding (Cr.)4583 5477 5979 9.17 30.46Women Beneficiaries (No in lakhs)16.95 18.24 18.52 1.54 9.26
Page 11
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesMICROSMALLMEDIUM30,856 Cr14,921 Cr1,467 Cr(65.31 %)(31.58%)(3.11%) TOTAL50,905 CrQ-Q 7.75% Y-Y 20.32% 47,244 Cr32,713 Cr23,344 Cr16,780 Cr17,720 Cr1,412 Cr1,245 Cr50,905 Cr42,309 Cr(55.18%)( 32.96%)(41.88%)( 2.77%)(2.94%) ( 64.26%) 11 MSME Portfolio Mix िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 12
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 12 MSME Portfolio Mix िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ECLGS-5.0 (₹ in Cr.) As on 30.09.2026ECLGS Sanctioned 2402ECLGS Disbursed 2227PMMY (₹ in Cr.) AmountAmount Sanctioned (FY 25-26) 7299Amount Disbursed (FY 25-26) 7043Amount Sanctioned Upto Sep Qtr (FY 26-27) 4188Amount Disbursed Upto Sep Qtr (FY 26-27) 4090Amount outstanding as on 30.09.2026 9517PM SVANidhi As on 30.09.2026Application Sanctioned (Nos.) 216304Amount Sanctioned (₹ in Cr.) 345PM Viswakarma As on 30.09.2026Application Sanctioned (Nos.) 10858Amount (₹ in Cr.) 90
Page 13
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades ANBC - 207522 Cr 13 Priority Sector Advances िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Segment (₹ in Cr) RBI Benchmark (%) Mandatory Target Achievement Achievement (%)Priority Sector40.00%83009 113149 54.52%Agriculture18.00%37354 39858 19.21%Small/Marginal Farmer10.00%20752 21349 10.29%Weaker Section12.00%24903 29992 14.45%Micro Under MSME7.50%15564 32714 15.76%Non Corporate Farmers14.00%29053 34692 16.72%
Page 14
State Level Bankers Committee – 2 (Odisha & Himachal Pradesh)Lead District Manager (LDM) : 35Rural Self Employment Training Institute (RSETI) : 30 (7 States)Centre for Financial Literacy : 127No. of beneficiaries of CFL : 377840Financial Literacy Counselors : 21No. of Fin. Literacy Camps : 691No. of beneficiaries of FLC : 21137No. of PMJDY Accounts 159.31 Lakh having balance of Rs. 8201 Cr. as on 30.09.2026. Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades Sep 2026 Qtr 14 Financial Inclusion Growth िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ 74.5495.62Sep-25 Sep-26PMSBY (In Lakhs)28.28% 32.6847.55Sep-25 Sep-26PMJJBY (In Lakhs)45.50% 14.0618.18Sep-25 Sep-26APY Accounts (In Lakhs)29.30%PMSBY PMJJBY3313 18290No of Claims Settled upto 30.09.2026 (since inception)
Page 15
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 15 Sectoral Credit-Advances (Dom.) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Sector (₹ in Cr.) Sep-25% share to Total AdvancesJun-26% share to Total AdvancesSep-26% share to Total AdvancesInfrastructure16924 8.30179277.33190897.44Of which Power & Energy77463.80 9792 4.00 11130 4.34Port and Road Project77743.81 6824 2.79 6755 2.63Other infrastructure1404 0.69 1312 0.54 1204 0.47Basic Metal 81774.01 7078 2.89 6715 2.62Textiles 18820.92 2100 0.86 2593 1.01Petroleum and Coal Products 13820.68 584 0.24 649 0.25All Engineering 11900.58 1983 0.81 2232 0.87Food Processing 13390.66 1826 0.75 1931 0.75Commercial Real Estate 17660.87 1842 0.75 1583 0.62NBFC 2476412.15 29231 11.94 29590 11.53Other Industries 51372.52 6771 2.77 8196 3.19Total Industries62561 30.70 69342 28.34 72578 28.27
Page 16
Rating of Standard NBFCsRating of Standard HFCs Sep-25 Jun-26 Sep-2637%34%36%60%62%61%3%3%3%1%0.27%0% AAAAAABBB & below Sep-25 Jun-26 Sep-2642%37%38%55%59%60%3%4%2%0.00%0.04%0.00% AAAAAABBB & below Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 16 Standard NBFC Advances िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Standard NBFC (₹ in Cr)Domestic Overseas Global % Domestic Overseas Global % Domestic Overseas Global %NBFC - PSUs3037 1021 4058 14.57 4224 946 5170 16.424525 946 547117.18NBFC - HFCs4642 444 5086 18.26 4855 473 5328 16.924452 473 492515.46NBFC - MFIs508 71 579 2.08 164 76 240 0.76186 76 2620.82NBFC - Others16552 1585 18137 65.10 19965 790 20755 65.9020405 790 2119566.54Total 24739 3121 27860 100.00 29208 2285 31493 100.00 29568 2285 31852100.00Sep-25 Jun-26 Sep-26Standard NBFC (₹ in Cr) Sep-25 Jun-26 Sep-26Bank sponsored641 891 767PSU5972 6328 6073Private Inst. (non-Bank)21247 24274 25012Total 27860 31493 31852Out of Std.NBFCs,HFCs (₹ in Cr) Sep-25 Jun-26 Sep-26Bank sponsored488 891 767PSU1913 1158 603Private Inst. (non-Bank)2685 3279 3556Total 5086 5328 4926
Page 17
Sep-25 Jun-26 Sep-2630.86%27.34%26.82%60.63%65.27% 66.31%8.13%7.04%6.59%0.37%0.26%0.18%0.01%0.10%0.10%BPLRBase RateFixedRepoMCLRAdvances(Dom)Mix of Benchmark Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 17 Rating Mix (of advances above 25 Cr.) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Rating Grade (Amt in Cr.) Sep-25 % Share Jun-26 % Share Sep-26 % ShareAAA29643 31.09 34298 31.27 32697 29.49AA25858 27.12 28498 25.99 29879 26.94A15650 16.41 18163 16.56 18695 16.86BBB4090 4.29 4568 4.17 4250 3.83BBB & above 75241 78.91 85527 77.99 85522 77.12Below BBB2340 2.45 2722 2.48 2120 1.91Total Rated 77581 81.36 88250 80.47 87642 79.03Of Which a) PSU28211 29.59 28626 26.10 26332 23.75b) Others49370 51.78 59623 54.37 61310 55.29Total Unrated 17772 18.64 21418 19.53 23248 20.96Of Which a) PSU with Govt. Guarantee6649 6.97 7718 7.04 7830 7.06b) PSU without Govt. Guarantee2958 3.10 4367 3.98 4379 3.95c) Others8165 8.56 9334 8.51 11038 9.95Total95353 100.00 109668 100.00 110891 100.00
Page 18
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades₹in (Cr) 18 Investment Portfolio िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Sl. Parameters (₹ in Cr) Sep-25 Jun-26 Sep-261 Domestic Investment 95113 94477 96661a SLR 70334 69997 72251SLR as % to Domestic Investment 73.95% 74.09% 74.75%b Non SLR 24779 24480 24410I Held To Maturity (HTM) 68479 72071 73288II Available For Sale (AFS) 23321 18647 19874IIIHeld For Trading (HFT) & Fair Value through P & L (FVTPL)3313 3758 35002 Modified Duration (AFS+HFT) 3.66 3.25 3.893 Overseas Investment 3254 3520 36064 Total Gross Investment (1+3) 98367 97997 100267HTM To Gross Domestic Investment (%) 72.00% 76.28% 75.82%Total SLR (%) 23.95% 21.49% 21.90%
Page 19
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 19 Operating Profitability िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Growth Financial YearSep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Sep-25 Sep-26 Y-Y(%) 25-261Interest Income 6537 6996 7286 4.15 11.46 12973 14282 10.09 262822Non-Interest Income 884 1686 888 -47.35 0.43 1881 2574 36.81 34593Total Operating income(1+2) 7421 8682 8174 -5.85 10.15 14855 16856 13.48 297414 Interest Expenses 4004 4188 4400 5.07 9.88 8037 8588 6.85 160855Net Operating income(3-4) 3417 4495 3774 -16.03 10.46 6817 8268 21.28 13656of which Net Interest Income (1-4)2533 2808 2886 2.78 13.96 4936 5694 15.36 101976Operating Expenses 1804 1685 1902 12.88 5.43 3642 3587 -1.51 7227i Staff Expenses 1214 1162 1208 3.96 -0.49 2490 2369 -4.85 4741ii Other Operating Expenses 590 523 694 32.75 17.67 1152 1217 5.72 2486 7 Operating Profit (3-4-6) 1613 2810 1872 -33.38 16.08 3175 4682 47.44 6429 Sl. Parameters ( ₹ in Cr.)Quarter Ended Growth Half Year Ended
Page 20
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 20 16131872Sep-25Sep-26Operating Profit 620786Sep-25Sep-26Net Profit26.77%16.05%Provision & Net Profit िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Financial YearSep-25 Jun-26 Sep-26 Sep-25 Sep-26 25-261Operating Profit 1613 2810 1872 3175 4682 64282Total Provision 993 2154 1087 1948 3240 36611 NPA405 254 444 868 698 13632 NPI6 -7 -172 7 -179 -633 Standard Assets & others177 -12 535 329 523 7554 Income Tax (Including DTA) 405 1919 279 744 2197 1606Net Profit 620 656 786 1227 1442 2767Sl. Particulars ( ₹ in Cr.)Quarter Ended Half Year EndedOut of which 31754682Sep-25Sep-26Operating Profit 12271442Sep-25 Sep-26Net Profit17.52%47.46%Y-o-YHY- HY
Page 21
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades₹in (Cr) 21 Net Interest Income िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Growth Financial YearSep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Sep-25 Sep-26 Y-Y (%) 25-261 Interest Income 6537 6996 7286 4.15 11.46 12973 14282 10.09 26282a. From Advances 4626 5118 5392 5.35 16.55 9117 10510 15.28 18596b. From Investments 1615 1654 1643 -0.63 1.73 3180 3297 3.68 6472c. Others 296 224 251 12.06 -15.08 676 475 -29.70 12142 Interest Expended 4004 4188 4400 5.07 9.88 8037 8588 6.85 16085a. On Deposits 3516 3818 4011 5.05 14.08 6988 7829 12.03 14064b. On Borrowings 317 175 228 30.09 -28.22 707 403 -43.03 1327c. Bonds & Others 171 195 161 -17.09 -5.76 342 356 4.11 6943Net Interest Income (1-2) 2533 2808 2886 2.78 13.96 4936 5695 15.37 10197Sl. Particulars ( ₹ in Cr.)Quarter Ended Growth Half Year Ended
Page 22
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 22 ₹in (Cr)Non Interest Income िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Financial YearSep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Sep-25 Sep-26 25-261 Fee Based Income 414 505 558 10.47 34.66 788 1063 1733a. Charges & Commission from Advance 184 150 246 64.00 33.70 346 396 737b. Commission from Third Party Product 17 13 24 84.62 41.18 29 37 71c. Charges & Commission from Others 213 342 288 -15.82 34.97 413 630 9252 Recovery in Written Off 366 1018 301 -70.42 -17.78 791 1319 13273 Treasury Income 104 163 29 -82.10 -71.80 302 192 3994 Total (1+2+3) 884 1686 888 -47.32 0.47 1881 2574 3459Sl.Quarter Ended Half Year Ended Particulars ( ₹ in Cr.)Growth
Page 23
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 23 Operating Expenses िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Sep-25 Sep-26 Y-Y(%) 25-261 Salary 904 936 998 6.60 10.36 1778 1934 8.73 35702 Employee Benefits 310 226 210 -6.71 -32.26 712 436 -38.79 11723 Total Staff Expenses (1+2) 1214 1162 1208 4.01 -0.52 2490 2369 -4.85 47414 Rent, Taxes & Lighting 124 89 91 2.29 -26.52 209 180 -13.99 3905 Printing & Stationery 10 7 12 66.62 21.38 16 19 18.75 296 Depreciation 88 92 110 18.71 24.66 159 202 27.31 3727 IT Related Expenditure 78 48 59 22.92 -24.36 126 107 -15.08 3278 Insurance 27 73 80 9.89 200.39 179 153 -14.31 4229 Others 263 214 343 60.55 30.22 462 557 20.56 94510 Total Other Operating Expenses (4+5+6+7+8+9) 590 523 694 32.67 17.69 1151 1218 5.81 248611 Total Operating Expenses (3+10) 1804 1685 1902 12.85 5.43 3642 3588 -1.48 7227 Sl. Particulars ( ₹ in Cr.)Quarter Ended Variation FYHalf Year EndedGrowth
Page 24
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 24 Key Financial Indicator िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७**The normalized cost to Income ratio after excluding one time recovery of TWO accounts would have been 45.42% for June 2026 quarter and 47.93% for HY Sept 2026. Financial YearSep-25 Jun-26 Sep-26 Sep-25 Sep-26 25-26Cost of Deposits (%) 4.73% 4.70% 4.75% 4.79% 4.72% 4.72%Cost of Funds (%) 4.57% 4.36% 4.44% 4.65% 4.40% 4.58%**Cost to Income Ratio (%) 52.79% 37.49% 50.39% 53.42% 43.38% 52.92%Yield on Advances Domestic (%) 8.39% 8.14% 8.11% 8.49% 8.12% 8.45%Yield on Advances Global (%) 8.06% 7.79% 7.79% 8.16% 7.79% 8.09%Yield on Investments Domestic (%) 6.85% 6.81% 6.84% 6.83% 6.83% 6.84%Yield on Investments Global (%) 6.71% 6.66% 6.68% 6.70% 6.67% 6.70%Net Interest Margin (NIM) Domestic (%) 3.08% 3.24% 3.19% 3.13% 3.22% 3.23%Net Interest Margin (NIM) Global (%) 2.90% 3.05% 3.00% 2.93% 3.02% 3.03%Return on Assets (RoA) Annualised(%) 0.71% 0.68% 0.80% 0.71% 0.74% 0.79%Return on Equity (RoE) Annualised (%) 10.96% 10.17% 11.42% 11.15% 11.02% 12.15%Earnings per Share (Not Annualised) (₹)0.49 0.52 0.63 0.98 1.15 2.21Book Value per Share (₹) 19.23 22.61 23.25 19.23 23.25 20.48Business per Employee (₹ in Cr)25.17 28.47 30.03 25.17 30.03 28.08Business per Branch (₹ in Cr) 161.37 176.77 185.15 161.37 185.15 172.91 Half Year EndedQuarter Ended Particulars
Page 25
4.734.664.654.74.75Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Cost of Deposit ( %) 8.06 8.067.827.79 7.79Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Yield on Advance Global (%) 4.574.484.474.364.44Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Cost of Funds (%) 8.398.448.188.148.11Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Yield on Advance Domestic (%) 6.716.736.686.666.68Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Yield on Investment Global (%) 6.856.886.836.816.84Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Yield on Investment Domestic (%) 25 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesKey Financial Indicator (Qtr.) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 26
10.9612.5713.2110.1711.42Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Return on Equity ( %) 3.083.273.193.243.19Sep-25 Dec-25 Mar-26 Jun-26 Sep-26NIM Domestic (%) 2.903.083.003.053.00Sep-25 Dec-25 Mar-26 Jun-26 Sep-26NIM Global (%) 0.710.830.870.680.80Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Return on Asset (%) 26 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesKey Financial Indicator (Qtr.) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 27
252628 2830Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Business Per Employee ( ₹in Cr.) 19.2320.1220.4822.6123.25Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Book Value Per Share (₹) Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 27 161166173177185Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Business Per Branch (₹in Cr.) 0.490.590.640.520.63Sep-25 Dec-25 Mar-26 Jun-26 Sep-26Earnings Per Share (₹)Productivity Ratio िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 28
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 28 Balance Sheet िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ CAPITAL & LIABILITIES (₹ in Cr.) Sep-25 Jun-26 Sep-26Capital 1254012540 12540Reserves & Surplus 1992521489 22039Deposits 305697332315 349590Borrowings 2147424868 26075Other Liabilities & Provisions 98409221 9714Total369476 400433 419958 ASSETS (₹ in Cr.) Sep-25Jun-26 Sep-26Cash and Balances with RBI 97259595 11490Investments 9776597486 99928Advances 225769267776 282572Fixed Assets 39274138 4178Other Assets 137229229 9259 Total 369476400433 41995818568Balances with Banks and Money at Call and Short Notice 12209 12531
Page 29
₹in (Cr) Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades64636420629460825919591258955867569056675632Gross NPA3.463.323.182.912.692.632.562.412.172.081.96Gross NPA (%)Gross NPA (%)16221473140612831068998962853702676513Net NPA0.890.780.730.630.50.450.430.360.270.250.18Net NPA (%)Net NPA (%)₹in (Cr) 29 Asset Quality िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 30
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades74.9177.0577.5878.9081.9583.1283.6885.4787.6688.0890.88PCR (Excl. TWO) (%)PCR (Excl. TWO) (%)0.510.851.260.850.700.840.720.450.360.390.65Credit Cost (%)Credit Cost (%)95.3895.7695.9296.1696.6996.8896.9997.3297.7997.8598.36PCR (Incl. TWO) (%)PCR (Incl. TWO) (%)1.101.031.800.921.081.181.050.850.900.630.85Slippage Ratio (%)Slippage Ratio (%) 30 Asset Quality िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 31
Asset Classification Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 31 Asset Quality ₹in (Cr) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Item Sep-25 Jun-26 Sep-26Gross NPA (₹ in Cr.)5895 5667 5632Net NPA (₹ in Cr.)962 676 513Gross NPA (%)2.56% 2.08% 1.96%Net NPA (%)0.43% 0.25% 0.18%PCR % (Incl TWO)96.99% 97.85% 98.36%PCR % (Excl TWO)83.68% 88.08% 90.88%Slippage Ratio Annualised (%)1.05% 0.63% 0.85%Credit Cost Annualised (%)0.72% 0.39% 0.65%Item Sep-25 (%) Jun-26 (%) Sep-26 (%)Standard224807 97.44 267101 97.92 282058 98.04Sub-standard1375 0.60 1314 0.48 1296 0.45Doubtful3113 1.35 2926 1.07 2931 1.02Loss1407 0.61 1427 0.52 1405 0.49Total Advance230702 100.00 272768 100.00 287690 100.00
Page 32
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades Sector-wise Fresh Addition to NPA 32 Movement of NPA ₹in (Cr) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७Fresh Addition (₹ in Cr)Sep-25 Jun-26 Sep-26Retail120107 109Agriculture23873 205MSME211229 214RAM 569409 528Corporate & Others45 14 10Addition to existing NPA15 20 11Total 629 443 549Quarter EndedYear EndedSep-25 Jun-26 Sep-26 Mar-261 Opening Balance 5912 5690 5667 5919Less2 Total Reduction 645 467 584 2425of whichCash Recovery + Upgradation 273 217 302 11473 Fresh Addition 629 444 549 2197(a)Fresh Slippage614 424 538 2138(b)Addition to Old NPA15 2011594 Net Increase/(Decrease) (3-2) -17 -23 -35 -2285 Closing Balance (1-2+3) 5895 5667 5632 56906Recovery in Written off + RI 519 1054 337 17977 Total Recovery + Upgradation 792 1271 639 2944 Sl No. Item (₹ in Cr)Quarter Ended
Page 33
₹in (Cr) Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 33 Segment NPA िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Sl. SectorNo. Particulars Gross Advances Gross NPA% to respective portfolioGross Advances Gross NPA% to respective portfolioGross Advances Gross NPA% to respective portfolio1 Retail Credit 58987 426 0.72 71549 581 0.81 76817 611 0.80Of whicha. Home Loan 30235 2770.9234596 3160.9136370 3140.86 b. Education Loan 1090 171.561039 222.091197 211.79 c. Vehicle Loan 6014 400.668739 550.639737 610.63d. Personal Loan 2613 220.842645 391.462596 532.052 Agriculture 31650 3421 10.81 38952 3495 8.97 41014 3580 8.733 MSME 42309 1957 4.63 47244 1446 3.06 50905 1332 2.624 Corporate 70851 91 0.13 86742 145 0.17 87962 109 0.125 Total ( 1 to 4) 203797 5895 2.89 244487 5667 2.32 256698 5632 2.196 Overseas 26905 00.0028281 00.0030992 00.007 Total 230702 5895 2.56 272768 5667 2.08 287690 5632 1.96 Jun-26Sep-25 Sep-26
Page 34
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 34 SMA Advances (1 Cr and Above) ₹in (Cr) िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७B/o (in Crs) % to Gross Advances B/o (in Crs) % to Gross Advances B/o (in Crs) % to Gross AdvancesSMA 0 810 0.35% 386 0.14% 444 0.15%SMA 1 326 0.14% 227 0.08% 437 0.15%SMA 2 654 0.28% 396 0.14% 334 0.12%Total 1790 0.77% 1009 0.36% 1215 0.42%SMA Position of the Bank (1 cr and above)ParametersSep-25 Jun-26 Sep-26Sector/SMA(1 Cr & above) SMA 0 SMA 1 SMA 2 Total SMA 0 SMA 1 SMA 2 Total SMA 0 SMA 1 SMA 2 TotalRetail 228 44 77 349 114 33 67 214 83 27 55 165Agriculture 80 30 44 154 44 24 30 98 56 26 26 108MSME 384 156 185 725 180 171 147 498 132 156 217 505Corporate & Others 119 95 348 562 48 0 151 199 172 228 37 437Total 811 325 654 1790 386 228 395 1009 444 437 334 1215Sep-26Jun-26Sep-25
Page 35
₹in (Cr) Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 35 Restructured Advances िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ParticularsSep-25 Jun-26 Sep-26MSME 504406 391Personal 688587 567Corporate 00 0Others 9173 66Total1283 1066 1023Out of Restructured Standard Advances COVID Restructuring (RF1 & RF 2)Parameters Sep-25 Jun-26 Sep-26Retail 698 728 698Agriculture 83 65 61MSME 616 470 437Corporate & Oth 104 87 18Total1501 1350 1214% of Total Advance0.65% 0.49% 0.42%Restructured Standard Advance
Page 36
NCLT Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 36 NCLT िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Sep-2026 (₹ Cr.)1st List 2nd List Others TotalExposure to number of accounts referred under IBC9 16 252277Loan Outstanding1366 2619 1237916364Total Provisions Held1366 2619 1237916364Provision Percentage (%) 100% 100% 100% 100%Recovery From NCLTNo of Accounts Amount No of Accounts Amount No of Accounts AmountThrough Resolution5 104 6 101 6 29Under Liquidation8 5 11 6 10 41Total13 109 17 107 16 70Sep-25 Jun-26 Sep-26
Page 37
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades CRAR Sep-25 June-26 Sep-2615.61%17.22% 17.06%15.90%17.44% 17.27%1.99%1.59% 1.58%Tier-IITier-ICET-I19.03%18.85%17.89% 37 Capital Adequacy िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Particulars (₹ in Cr) Sep-25 Jun-26 Sep-26Credit RWA 130308 146414 152177Market RWA 2772 4094 4347Operational RWA 21811 24106 24106Total RWA 154891 174614 180630Advances 230702 272768 287690Credit RWA to Advance (%) 56.48 53.68 52.90Particulars (₹ in Cr) Sep-25 Jun-26 Sep-26CET1 Capital 24182 30068 30823Tier I Capital 24634 30447 31202Tier II Capital 3080 2780 2852Total Capital 27714 33227 34054
Page 38
S.NRating AgencyBasel IIIAT-I BondsRatingTier-II BondsRating1India Ratings- AA/Stable2CARE Ratings- AA/Stable3Acuite RatingsAA -/Stable AA/ Stable4Infomerics RatingsAA -/Positive - Govt90.95FII0.06DIIs4.15Others4.84Shareholding Pattern 30.09.2026 Govt FII DIIs Others Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesCertificate of DepositCRISIL RatingA1+ STABLE BOND RATING 38Capital Raising Plan FY 2026-27* Equity Capital Up to Rs. 2700 Cr. (Face Value)* Bond raising Up to Rs. 5000 Cr. Shareholding & Ratings िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७Long-term Issuer Rating (Domestic)India Ratings AA/StableInfomerics Ratings AA/Positive Long-term Issuer Rating (International)Fitch Ratings BBB-(Stable Outlook)
Page 39
34391. Hongkong2. Singapore3. IBU-Gift City268611156 Domestic BranchesInternational BranchesATMBCs Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades East, 1022, 30%West, 347, 10%North, 825, 24%South, 387, 11%Central, 635, 18%NE, 223, 7% Metro, 651, 19%Rural, 1143, 33%Semi urban, 954, 28%Urban, 691, 20% Region wise Branches Population category wise 39 Our Presence िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 40
16.59%6.68%30.37%9.54%10.48% J&K-26HP-184PB-181UK-61HR-108DL-62UP-324SK-7AS-151ML-8TR-32MP-186CG-64OD-281BH-248JH-83WB-402TS-49AP-52TN-13566KA-74MH-197GA-11DD-3GJ-136RJ-252AR-5MN-15MZ-3NL-9PY-10LD-1AN-1 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades State-wise Number of Branches 40 Business Network िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७Flagship Corporate Credit 6Mid Corporate Branch 42Asset Management Branch 8Specialised Domestic BranchesRetail Loan Hubs 50SME & Agri Hubs 49Integreated Hubs 9Loan Processing officesCH-12Total No.of Employees 21184Women Employees (%) 30Avereage Age of Employees 39Employees below 40Yrs age (%) 65Employee ProfileLA
Page 41
41 Digital Advances7.5xDigital Renewals3.4x Digital Account Opening1.25x Digital Agri-MSME Sanctions3.6x 48580 cr+Digital BusinessProductSep'25 Jun’26 Sep'26SB A/c opened digitally FD A/c opened digitally UPI TransactionVolume [Remitter] (in cr)Retail/Agri/MSME Loan accounts Opened digitally₹57%75%70%45%58%59%6510111013%43%60% Year on Year Growth 41 िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Increasing Digital Adoption Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades
Page 42
Active M-Banking Users-Retail (Lakhs) Active M-Banking Users–Corp. (Lakhs) Internet Banking Users (Lakhs) UPI Transaction Volume(Remitter)(Lakhs) Merchant QR-SoundBox Users WhatsApp Banking Users (Lakhs)1.521.992.191 2 318.8421.6923.298395101411101810340411818113154515.0024.9130.1281.97%12.12%10.12%7.38%31.26%8.66%27.21%11.31%100.80%20.92%44.08%23.62%10.05% Y-o-Y; Q-o-QSep-25 Jun-26 Sep-26Sep-25 Jun-26 Sep-26Sep-25 Jun-26 Sep-26Sep-25 Jun-26 Sep-26Sep-25 Jun-26 Sep-26Sep-25 Jun-26 Sep-2656.1572.4678.011237.66%38.93% 42 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & AccoladesDigital Performance & Transaction िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 43
33 Digital Journeys Live and 5 more journeys coming soon…RetailMSMEAgriLiabilitiesPre Qualified Personal Loan (PQPL)Loan Against FDOD Against FDPension LoanEducation LoanSTP Vehicle LoanPre Qualified Vehicle LoanSelect Plus Personal LoanGold LoanPM SuryodayGST SmartMSME Smart(upto 25 lakhs)Digital CC RenewalsShishu MudraKishore MudraTarun MudraPM VishwakarmaPre Qualified Business LoanKCC RenewalKCC JansamarthFresh KCC upto 2 lakhsSHGLoanDairyLoanTab based SB Account openingTab based CA Account opening- Individual and Sole ProprietorTab based NRE/NRO Account openingOnline SB and CA Account opening with VKYCDigital Home LoanUCO AashrayETB Personal LoanOnline FD/RD opening PQPL through Call Centre GST Smart Plus (upto Rs 1 crore)KCC Fresh/Renewal/Enhancement upto Rs10 lakh NTB Personal LoanYuva KaushalLoan Against Mutual FundLive in Q2 Live Upcoming Yuva Sashakt Digital Journeys 43 Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 44
Sep-25Jun-26Sep-26Year on Year Growth Quarter on Quarter Growth Retail Assets (in crs)Sep-25 Jun-26 Sep-262,240 13,539 20,827Y-o-Y Growth830%Q-o-Q Growth 54% Agri Assets (in crs)Sep-25 Jun-26 Sep-26419 910 1194Y-o-Y Growth185%Q-o-Q Growth 31% MSME Assets (in crs)Sep-25 Jun-26 Sep-26759 2,815 3,884Y-o-Y Growth412%Q-o-Q Growth 38% Liabilities (in crs)Sep-25 Jun-26 Sep-268,341 17,503 22,684Y-o-Y Growth172%Q-o-Q Growth 30% Total Digital Business Growth (in crs)40%313%Y-o-YQ-o-Q 117593476748589 Digital Business Performance 44 िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades
Page 45
Mobile Banking193servicesInternet Banking143servicesWhatsapp Banking62servicesUPI & PaymentsBusiness & Merchant BankingDigital Account OpeningUCO Digital Rupee (CBDC)Debit Cards, ATM & Self-ServiceFund transfersSlot BookingOne-Tap FD/RDMutual FundsTax payments ASBADeposit servicesBalance and mini-statement enquiriesBranch/ATM locatorService guidanceInstant account-to-account paymentsMerchant QR Scan & PayUPI PIN management15+ debit card variantsCard blocking and usage controlsLoad, Redeem, Transfer and CollectUPI interoperabilityOffline paymentsOnline savings-account applicationVideo KYC for eligible customersCorporate mobile & internet bankingMerchant QR & Sound BoxPOS terminals and payment gateway Digital Channels-Key Features 45 िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades
Page 46
Rating: 4.7/5 Best rated PSB Mobile Banking AppADC CHANNEL INITIATIVES UPI Help 2.0– Integrated UPI assistance, transaction tracking & safety controlsUPI Tap & Pay–Contactless UPI paymentsCredit Line on UPI for KCC and MSME beneficiaries Android ATM– Instant card issuance & UPI QR generationBiometric Authentication in RuPayDebit Card–for online transactionsEPF challan payment through Internet BankingUCO DIGITAL RUPEE (CBDC)Digital Rupee Marketplace–Expanded digital commerce, offers & rewards across multiple brands.CBDC–IVR Services–CBDC Wallet balance & last transaction enquiry via IVRWHATSAPP BANKING CONTACT CENTRE ENABLEMENTLead Management Portal–Capture, allocation, real-time interaction updates, follow-up & conversionAPI-based Contact Centre IVR Integration–Real-time customer & loan servicing 62servicesAvailable in 14languagesNew Features introducedAccount SummaryLoan Interest Certificate 46 िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Digital Channels Initiatives Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades
Page 47
ROBOTIC PROCESS AUTOMATION7 processes automated in Q2CTS clearing & technical/business decline reportingEDPMS & CSV processingLEA data collection & MSME reportingDECEASED CLAIM PORTAL REVAMPUCO SETU APP ENHANCEMENTSSMA & NPA account monitoringGroup-wise SMA account listsInstant branch-level follow-upEnhanced loan quality and recovery monitoringDIGITAL MARKETING Data-driven, personalisedcustomer engagementEmail, SMS & website integrationAutomated welcome journey for new customersONLINE SELF-SERVICE MODULEBanking services through Bank’s websiteCheque-book & debit-card requestsStop-cheque & account-statement requestsStanding Instructions setupAUTOMATED UPI SURVEILLANCEDetection of suspicious UPI QR codes, payment links & VPAsAutomated scanning of flagged websitesFraud-risk insights for timely preventive actionEnd-to-End Online ProcessingFaster Claim Settlement through Streamlined workflows Real-Time Tracking & NotificationsEnhanced Customer Experience & Staff Productivity Digital Transformation & Business Enablement Major HighlightsBusiness PerformanceFinancials Asset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & Services िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ 47
Page 48
1. Credit Line on UPI2. RuPay Passkey3. UPI Help 2.04. UPI Tap n Pay5. UCO Digital Rupee (CBDC) Marketplace6. UCO Digital Rupee (CBDC) – IVR Services7. UCO GST Smart Plus8. Automated UPI Surveillance9. Instant Card Issuance Android ATM Awards and Recognitions 48 िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७ Major HighlightsBusiness PerformanceFinancials Asset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesLaunch of 9 new digitalproducts at Global Fintech Fest2026 :_
Page 49
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades EnvironmentalBank has developed board approved Net – ZeroTransition Plan in line with Government ofIndia’s NDC Goals.Bank has put in place a green bond frameworkto mobilize resources for green FinancingBank’s Exposure under Green Finance is Rs.5686 Cr as on 30.09.2026.Schematic Green Products:UCO E-Vehicle - Rs. 667 CrPM SURYODAYA& SURYAGHAR - Rs. 795 CrPM KUSUM - Rs. 535 CrGreen Deposit - Rs. 201 Cr.E-VAHAAN - Rs. 12 Cr SocialMore than 377840 persons were educatedthrough 691 programs conducted by 127Center for Financial Literacy (CFL) sponsoredby the Bank during Sep-26 Qtr..More than 7449 candidates were trainedthrough 269 training programs conducted bythe 30 Rural Self Employment TrainingInstitutes (RSETIs) of the Bank in 7 statesduring Sep-26 Qtr.Bank implemented Government SponsoredSocial Security Scheme through its pan Indiabranches, No of beneficiaries as on 30.09.26are as under :PMSBY – 95.62 lakhsPMJJBY – 47.55 lakhsAPY – 18.18 lakhs GovernanceBank has adopted PCAF Global standardas guiding framework for measuring andreporting its financed emission (Scope 3category 15) for its loan Portfolio.AI Enabled Call Centre for addressingCustomers queries and providing effectivesolution.Compliance Manager Tool enablingstreamlined compliance monitoring andoversight. 49 ` ESG Initiative िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 50
Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 50 Awards and Recognitions िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 51
@uco-bank229K @UCOBankOfficial 55K@uco-bank36KWhatsApp Banking Say Hi to 8334001234 317K @official.ucobank@official.ucobank118K Major HighlightsBusiness PerformanceFinancialsAsset QualityCapital & ShareholdingBusiness NetworkDigital JourneyESG InitiativesProducts & ServicesAwards & Accolades 51 Social Media Presence िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 52
This presentation has been prepared solely for information purposes, without regard to anyspecific objectives, financial situations or informational needs of any particular person.Certain forward-looking statements in these slides involve a number of risks, uncertainties andother factors that could cause actual results to differ materially from those suggested by theforward-looking statements. These risks and uncertainties include, but are not limited to ourability to successfully implement our strategy, future levels of non-performing loans, our growthand expansion, the adequacy of our allowance for credit losses, our provisioning policies,technological changes, investment income, cash flow projections, our exposure to market risksas well as other risks. UCO Bank undertakes no obligation to update the forward-lookingstatements to reflect events or circumstances after the date thereof. 52 Disclaimer िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७
Page 53
Honours Your TrustWe express our heartfelt gratitude to all our stakeholders for their support. Your trust is the foundation of our Success. Thank youDigital Business Performance 53 Disclaimer िवȅीय पįरणाम: िसतंबर ितमाही िवȅीय वषŊ २०२६-२७