Key Q4FY26 Performance MetricsNet Profit: ₹19,684 crore (Up 5.6% YoY, but down 6.4% quarter-on-quarter).Net Interest Income (NII): ₹44,380 crore (Missed analyst estimates of ₹46,475 crore).Operating Profit: ₹27,704 crore (Down 16% YoY and 11.5% QoQ).Net Interest Margin (NIM): Contracted to 2.93% from 3.14% a year ***** Quality: Gross NPA fell to 1.49%; Net NPA reached a record low of 0.39%