💰 Profit Update * Net Profit: ₹7,071 Cr (Above estimates 👍) * YoY: ⬇️ 0.6% | QoQ: ⬆️ 9% 📊 Core Performance * Net Interest Income (NII): ₹14,457 Cr (+5% YoY) * Net Interest Margin (NIM): *3.62% ⚠️ Provisions Spike * Total Provisions: ₹3,522 Cr * Includes ₹2,001 Cr one-time buffer (precautionary, not stress-related) ✅ Asset Quality Improves * GNPA: 1.23% ⬇️ (vs 1.40% QoQ) * NNPA: 0.37% ⬇️ (vs 0.42% QoQ) * Credit Cost: 0.37% (declining trend) 📉 Operational Impact * Operating Profit: ₹10,013 Cr (⬇️ 7% YoY) * Trading Loss: ₹606 Cr (hit non-interest income) 📈 Growth Strong * Advances: ₹12.34 Lakh Cr (+19% YoY) * Deposits: +14% YoY * CASA Ratio: 40% 💳 Digital & Retail Boost * #1 in UPI PSP (~36% market share) * Added 10 lakh+ credit cards in Q4 🛡️ Capital Strength * CAR: 16.42% * CET-1: 14.38% 🎁 Dividend * ₹1 per share (subject to approval) 🧠 Management Commentary Cautiously optimistic outlook, keeping an eye on global macro & geopolitical risks. 📊 Stock Performance * Last Close: ₹1,362 * 1-Year Return: +16.8%

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