Mumbai, Jan. 14 -- Net interest income for the period under review was Rs 9,328 crore, up 0.95% YoY. Net interest margin was 2.76% for the December 2025 period as against 2.91% for the December 2024 period.

Operating expenses jumped 12.36% to Rs 6,927 crore in the December 2025 quarter from Rs 6,165 crore in the December 2024 quarter.

Accoridingly, the public sector bank registered an operating profit of Rs 6,942 crore in Q3 FY26, down 7.34% YoY.

Provisions and contingencies dropped by 79.85% to Rs 322.23 crore in Q3 FY26 from Rs 1,599.05 crore in Q3 FY25.

Profit before tax in Q3 FY26 stood at Rs 6,619.37 crore, up by 12.33% from Rs 5,892.77 in Q3 FY25.

Gross NPAs declined to 3.06% as of 31 December 2025, from 3.85% as of 31 December...