ank, India's undisputed private banking giant, scripted a blockbuster session on Monday, smashing through a fresh 52-week high as its September quarter results dazzled Wall Street with robust loan expansion and resilient margins, outpacing consensus forecasts. The stock vaulted 1.74% on the NSE to close at a dizzying ₹1,020, capping a blistering 3%+ rally over the past four trading days and propelling its market cap to an eye-watering ₹15,45,050 crore—solidifying its throne as the nation's most valuable lender by a country mile. The earnings euphoria erupted after the bank unveiled a standalone net profit explosion of 10.8% year-on-year to ₹18,641 crore for Q2 FY26 (ended September 30, 2025), trouncing analyst estimates of ₹16,000-16,500 crore and marking a sharp rebound from the merger-induced headwinds of prior quarters. Net interest income (NII), the lifeblood of banking profitability, swelled 4.8% YoY to ₹31,551 crore, fueled by a 10% surge in advances to ₹27.46 lakh crore—powered by 11.3% retail loan growth and a 17.4% jump in commercial & rural banking segments, even as wholesale lending dipped 12% amid selective caution. Deposits clocked in at a healthy 12.1% YoY rise to ₹28.01 lakh crore, easing the credit-deposit ratio to a more comfortable 98% from post-merger peaks above 110%.

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