Central Bank Results Analysis-Q1FY26

Interest Earned for Q1FY26 is Rs. 8,588 Crs., flat growth YoY, Net Interest Income is Rs. 3,383 Crs., 4.7% Negative growth YoY, Net Interest Margin is 3.16% which is down by 42 basis Points, Operating Profit Rs. 2,304 Crs., 15.6% growth YoY, PAT Rs. 1,169 Crs., 32.8% growth YoY. For Q1FY26 Gross NPA 3.13% vs 4.54% in Q1FY25, Net NPA 0.49% vs 0.73% in Q1FY25. Good Improvement in asset quality. Total Deposits is Rs. 4,28,890 Crs., 11.4% growth YoY, Total Advances is Rs. 7,04,485 Crs., 10.8% growth YoY. Return on Assets for Q1FY26 is 1.02% which is improved by 20 bps YoY, Return on Equity for Q1FY26 is 14.17% which is improved by 157 bps. On QoQ basis Interest Earned is flat to negative, Net Interest Income is also flat to negative, However, Operating Profit is up by 15%, and PAT is also up by 13%.