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Statement of Assets and Liabilities as on June 30, 2026. <br /> (Rs. In Lakh) <br /> Particulars 30.06.2026 30.06.2025 31.03.2026 <br /> Unaudited Unaudited Audited <br /> Capital and Liabilities <br /> Capital 39,470 39,470 39,470 <br /> Reserves and Surplus 1,11,851 1,01,011 1,07,922 <br /> Deposits 19,40,405 16,56,962 18,64,288 <br /> Borrowings 85,871 41,996 73,663 <br /> Other Liabilities and Provisions 35,027 30,580 38,423 <br /> Total 22,12,624 18,70,019 21,23,766 <br /> Assets <br /> Cash and Balances with Reserve Bank of India 76,411 1,20,086 94,796 <br /> Balances with Bank and Money at Call and Short Notice 23,526 8,278 12,384 <br /> Investments 4,52,734 4,23,169 4,25,744 <br /> Advances 15,57,166 12,21,820 14,91,806 <br /> Fixed Assets 32,296 28,290 29,004 <br /> Other Assets 70,491 68,376 70,031 <br /> Total 22,12,624 18,70,019 21,23,766 <br /> <br /> 2. The above unaudited financial results for the quarter ended June 30, 2026, were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on July 29, 2026. These Results have been subjected to "Limited Review” by the Joint Statutory Central Auditors of the Bank, M/s Sagar & Associates, Chartered Accountants and M/s Abraham & Jose, Chartered Accountants and an unmodified report has been issued by them. <br /> 3. These financial results have been prepared in accordance with the recognition and measurement principles laid down in Accounting Standards specified under Section 133 of the Companies Act, 2013, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India ("the RBI") from time to time and other accounting principles generally accepted in India, and are in compliance with the presentation and disclosure requirements of the Regulation 33 and Regulation 52 read with Regulation 63 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("SEBI Regulations") as amended including relevant circulars issued by the SEBI from time to time, to the extent applicable. <br /> 4. The Bank has applied significant accounting policies in the preparation of these Financial Results, consistent with those followed in the annual financial statements for the year ended March 31,2026. Any circular / direction issued by the RBI are implemented prospectively when it becomes applicable, unless specifically required under such circulars / directions. <br /> 5. In accordance with the RBI (Commercial Bank - Classification, Valuation and Operation of Investment Portfolio) Second amendment Directions, 2026, dated May 18, 2026, the Bank has discontinued the maintenance of the Investment Fluctuation Reserve (IFR). Consequently, the existing balance of Rs 3068 lakhs in the IFR has been transferred to accumulated balance in Profit & Loss Account during the quarter. <br /> 6. The financial results have been arrived at after considering provision for standard assets (including requirements for exposures to entities with unhedged foreign currency exposures), provision for non-performing assets, provision for non-performing investments, provision for income tax and other usual and necessary provisions. <br /> 7. Oher Income includes fees earned from services to customers, commission from non-fund-based banking activities, earnings from foreign exchange transactions, selling of third-party products, profit/ loss on sale of investments (Net), profit/loss on revaluation of investments, recoveries from written off accounts etc. <br /> 8. The Capital Adequacy Ratio is computed on the basis of RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes if any, in the guidelines. During the quarter ended June 30, 2026, the Bank has considered net profit for the quarter as part of the regulatory capital as per extant RBI guidelines. <br /> 9. As per extant guidelines, the Banks are required to make Pillar 3 disclosures including Leverage ratio, Liquidity Coverage ratio and Net Stable Funding ratio under Basel III Framework. Accordingly, such disclosures have been placed on the website of the Bank. These disclosures have not been subjected to Audit/Review by the Joint Statutory Central Auditors of the Bank. <br /> 10. Disclosures as per the 'Reserve Bank of India (Commercial Banks - Financial Statements: Presentation and Disclosures) Directions, 2025' dated November 28,2025, and as amended thereafter, for the loans transferred / acquired during the quarter ended June 30, 2026 and co-lending arrangements, are given below: <br /> i) Bank has not transferred any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the quarter. <br /> ii) Bank has not acquired any loans not in default or stressed loans (Non-Performing Assets and Special Mention Accounts) during the quarter. <br /> iii) The Bank neither has any outstanding Co-Lending Arrangements (CLA) or has entered into any CLA during the quarter as per Reserve Bank of India (Commercial Banks – Transfer and Distribution of Credit Risk) Directions, 2025. <br /> 11. Disclosure as per Reserve Bank of India (Commercial Banks – Financial Statements: Presentation and Disclosures) Directions 2025 dated November 28, 2025 and as amended thereafter, on projects under implementation, for the quarter ended June 30, 2026 is given below; <br /> Sl. No Item Description Number of accounts Total outstanding (in Rs. lakh) <br /> 1 Projects under implementation accounts at the beginning of the quarter. 28 12,071.49 <br /> 2 Projects under implementation accounts sanctioned during the quarter. - - <br /> 3 Projects under implementation accounts where DCCO has been achieved during the quarter 3 586.71 <br /> 4 Projects under implementation accounts at the end of the quarter (1+2-3) 25 11,040.74 <br /> 5 Out of ‘4’ – accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked. 7 1,937.94 <br /> 5.1 Out of ‘5’ – accounts in respect of which Resolution plan has been implemented. 7 1,937.94 <br /> 5.2 Out of ‘5’ – accounts in respect of which Resolution plan is under implementation. - - <br /> 5.3 Out of ‘5’ – accounts in respect of which Resolution plan has failed. - - <br /> 6 Out of ‘5’, accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked due to change in scope and size of the project. - - <br /> 7 Out of ‘5’, account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded - - <br /> 7.1 Out of ‘7’, accounts where SBCF was sanctioned during financial closure and renewed continuously - - <br /> 7.2 Out of ‘7’, accounts where SBCF was not pre sanctioned or renewed continuously - - <br /> 8 Out of ‘4’ – accounts in respect of which resolution process not involving extension in original / extended DCCO, as the case may be, has been invoked. - - <br /> 8.1 Out of ‘8’ – accounts in respect of which Resolution plan has been implemented. - - <br /> 8.2 Out of ‘8’ – accounts in respect of which Resolution plan is under implementation. - - <br /> 8.3 Out of ‘8’ – accounts in respect of which Resolution plan has failed. - - <br /> <br /> 12. Provision coverage ratio (including Technical Write off) as on 30th June 2026 is 92.77 %. <br /> 13. The figures for the quarter ended March 31, 2026 are the balancing figures between audited figures in respect of the financial year 2025-26 and the unaudited published year to date figures up to December 31, 2025, which were subjected to limited review. <br /> 14. The figures for the previous period have been re-grouped/re-arranged wherever necessary to conform to the current period’s classification. <br /> <br /> Other operating expenses680800000Treasury757500000Retail Banking2967000000Corporate/ Wholesale Banking1087100000Other Banking Operations3090000048425000004842500000Treasury89000000Retail Banking218000000Corporate/ Wholesale Banking17500000Other Banking Operations309000003554000000355400000Treasury49984300000Retail Banking122826800000Corporate/ Wholesale Banking47789700000Other Banking Operations0220600800000661600000221262400000Treasury45170100000Retail Banking115875300000Corporate/ Wholesale Banking45084900000Other Banking Operations02061303000000206130300000For the above segment reporting, the reportable segments are identified as Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations in Compliance with the revised RBI Guidelines. <br /> <br /> For the purpose of the disclosure under Accounting Standard 17 - Segment Reporting, issued by the Institute of Chartered Accountants of India (ICAI), ‘Digital Banking’ has been identified as a sub segment under the existing ‘Retail Banking’ segment. Bank has not set up separate ‘Digital Banking Unit’ (DBU) as on 30th June 2026 as per RBI circular No. RBI/2022-23/19 DOR AUT.REC.12/22.01.001/2022-23 dated April 7 2022 and existing digital banking products are forming part of ‘Retail Banking’ segment only. <br /> <br /> Part B: Geographical segments <br /> <br /> The business operations of the Bank are substantially concentrated in India and for the purpose of segment Reporting as per Accounting Standard -17, the bank is considered to operate only in domestic segment.