**Business Performance:** The bank posted a record annual Net Profit of ₹80,032 crore, up 12.88% YoY, driven by strong Net Interest and Non-Interest Income.

Total business crossed ₹109 trillion, with deposits reaching ₹59.8 lakh crore and advances ₹49.3 lakh crore, growing 11.03% and 16.87% YoY respectively.

Growth was broad-based, with SME up 20.99%, Agri up 19.68%, and Retail Personal advances up 15.22%. **Growth Drivers or Strategy:** Digital adoption is key, with 98.7% of transactions via alternate channels.

YONO users hit 10.02 crore, and 66% of new savings accounts were opened digitally.

The bank maintains a strategic focus on strengthening its liability franchise and CASA mobilization.

Analytics, AI, and ML are increasingly utilized for retail, SME, and agri advances. **Recent Developments:** The Agri portfolio surpassed ₹4 lakh crore.

The bank launched several in-house Generative AI solutions and is expanding its UPI ecosystem internationally.

Efforts in sustainable finance include forming an ESG & Climate Finance Unit and financing significant Renewable Energy capacity. **Key Financial Metrics:** FY26 ROA was 1.12% and ROE 18.57%. Gross NPA fell to 1.49% and Net NPA to 0.39%, a two-decade low.

PCR stands at 74.36%, with credit cost contained at 0.37%. **Management Commentary / Outlook:** Management highlights sustained domestic market share, best-in-class asset quality, and digital leadership.

The bank targets Net Zero by 2055 and specific green advance goals by 2030.