The bank’s operating profit for the quarter stood 16% higher at Rs 9119 crore on 10% higher total income at Rs 39881 crore. Net interest income expanded by a modest 1% at Rs 9141 crore.
Its gross advances grew 14% year-on-year to Rs 11.92 lakh crore, while deposits rose 13% to Rs 15.21 lakh crore.
Its gross non-performing assets ratio improved to 2.08% as at December 2025 from 2.35% as at September 2025 and from 3.34% as at December 2024. Net NPA ratio stood at 0.45% as compared with 0.89% a year back.
Equitas SFB Q3 profit rose 36% to Rs 90 crore
Lower provisions helped Equitas Small Finance Bank to report a 36% rise in third quarter net profit at Rs 90 crore as against Rs 66 crore in the year-ago period while its operating profit came 8% lower at Rs 307 crore.
Provisions were at Rs 194 crore against Rs 243 crore. The net interest margin for the quarter stood at 6.72%, reflecting a 43 basis point improvement quarter-on-quarter. The bank’s gross non-performing assets ratio declined to 2.62% from 2.82% three months prior. Its gross advances grew 16% year-on-year to Rs 43268 crore, buoyed by highest ever quarterly disbursements at Rs 6557 crore, which rose 28% year-on-year.
Capital SFB Q3 net profit at Rs 34 crore
Capital Small Finance Bank earned a net profit of Rs 34.3 crore in the third quarter of the fiscal, flat as compared with Rs 34 crore in the year-ago period on account of higher provisions at Rs 6 crore against Rs 2 crore.
There was a one time provision of Rs 5 crore due to changes in Labour Code. Its gross non-performing assets ratio remained steady at 2.7%. Operating profit was higher at Rs 52 crore against Rs 48 crore.