Mumbai, Feb. 7 -- Net interest income for the period under review was Rs 45,190 crore, up 9.04% YoY. Net interest margin was 3.12% for the December 2025 period as against 3.15% for the December 2024 period.

Operating expenses rose by 6.05% to Rs 30,687 crore in the December 2025 quarter from Rs 28,935 crore in the December 2024 quarter.

Accordingly, the public sector bank registered an operating profit of Rs 32,862 crore in Q3 FY26, up 39.54% YoY.

Total provisions expanded by 77.71% to Rs 11,834 crore in Q3 FY26 from Rs 6,659 crore in Q3 FY25.

Profit before tax in Q3 FY26 stood at Rs 28,355 crore, up by 25.25% from Rs 22,640 crore in Q3 FY25.

Gross NPAs declined to 1.57% as of 31 December 2025, from 2.07% as of 31 December 2024. Net ...