UTKARSHBNK

Q4FY26 & FY26 results Standalone Financial Highlights: Total Income (Interest Earned + Other Income): For Q4FY26, total income stood at Rs 95,207.02 lakh, reflecting a growth of 5.58% QoQ from Rs 90,170.77 lakh in Q3FY26, but a decrease of 18.39% YoY compared to Rs 1,16,673.30 lakh in Q4FY25. For the full year FY26, total income was Rs 3,80,974.69 lakh compared to Rs 4,36,476.03 lakh in FY25, a decrease of 12.72%. Net Profit / Loss: The Bank reported a Net Loss of Rs 18,801.56 lakh for Q4FY26. This represents a 49.86% reduction in loss on a QoQ basis compared to a loss of Rs 37,501.76 lakh in Q3FY26. In the corresponding quarter of the previous year (Q4FY25), the Bank had a Net Profit of Rs 296.73 lakh. For the full year FY26, the Bank reported a Net Loss of Rs 1,15,097.84 lakh (approximately Rs 1,151 crore) compared to a Net Profit of Rs 2,370.05 lakh (approximately Rs 24 crore) in FY25. Asset Quality: Gross NPA (GNPA) ratio improved to 7.71% in Q4FY26 from 11.05% in Q3FY26 and 9.43% in Q4FY25. Net NPA (NNPA) ratio improved to 3.29% in Q4FY26 from 4.48% in Q3FY26 and 4.84% in Q4FY25. Capital Adequacy: Capital Adequacy Ratio (CRAR) stood at 17.71% as of March 31, 2026, compared to 20.93% as of March 31, 2025. Tier 1 capital was at 14.98%. Key Ratios: CASA ratio stood at 24.0% as of March 31, 2026, compared to 21.8% as of March 31, 2025. Cost of deposits (CD ratio) was 83.4% as of March 31, 2026, vs. 86.8% as of March 31, 2025.