Mumbai, Jan. 20 -- Net interest income fell by 4.5% to Rs 10,533 crore in the December'25 quarter from Rs 11,032 crore recorded in the December'24 quarter. Net interest margin (NIM) for Q3 FY26 was 2.52% as against 2.93% for Q3 FY25.

Operating expenses for the period under review added up to Rs 8,074 crore, up 3.2% YoY.

Accordingly, operating profit for Q3 FY26 was Rs 7481 crore, higher by 13% as compared with Rs 6621 crore posted in Q3 FY25.

The bank has made a provision of Rs 1,150 crore in Q3 FY26. It had written back provision amounting to Rs 285 crore in Q3 FY25.

Profit before tax in Q3 FY26 stood at Rs 6,331 crore, down by 8.3% from Rs 6,906 crore recorded in Q3 FY25.

The gross NPA ratio improved by 90 basis points YoY to 3.19%...