Banks - Regional
State Bank of India FY26 Annual Results: Record Profit Growth
State Bank of India FY26 annual results show record profit growth, driven by higher net interest income and non-interest income.
The State Bank of India (SBIN) has announced its annual results for FY26, marking a significant milestone with the highest-ever annual net profit of ₹80,032 crores, reflecting a year-on-year growth of 12.88%. This robust performance is driven by higher net interest income and non-interest income, underscoring the bank’s strong financial health and operational efficiency.
Financial Performance
The bank’s operating profit stood at ₹1,23,015 crores, registering a year-on-year growth of 11.25%. The Return on Assets (ROA) for FY26 was 1.12%, and the Return on Equity (ROE) was 18.57%, highlighting the bank’s profitability and efficiency. The Net Interest Margin (NIM) for the whole bank was 2.91%, with a domestic NIM of 3.03%, indicating a stable and growing interest income base.
Asset Quality and Capital Adequacy
SBIN has maintained industry-leading asset quality outcomes. The Gross NPA (Non-Performing Assets) ratio was contained at 1.49%, while the Net NPA ratio stood at 0.39%. The Credit Cost for the year was 0.37%, and the Provision Coverage Ratio (PCR) was 74.36%. These metrics reflect the bank’s disciplined approach to credit risk management and its commitment to maintaining a high-quality asset book.
Digital Journey and Banking with a Purpose
The bank has continued its digital leadership, with 98.7% of transactions conducted through alternate channels. YONO, the bank’s digital banking platform, has registered 10.02 crore customers, driving the bank’s digital agenda. The bank’s focus on ‘Banking with a Purpose’ is evident in its sustained domestic market share of over 22%, driven by reach, trust, and digital innovation.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of State Bank of India
State Bank of India belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
State holds in the upper half of its 52-week range, a sign the market backs the stock. The PEG of 0.40 is extremely low. Either the market misses the growth story, or there is a catch worth investigating. D/E of 1.52 is elevated. As a result, debt servicing will compress free cash flow in a high-rate environment. The stock trades at 70% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. Both the business and the stock move in the right direction. Revenue grows at 14.0%, profits at 29.9%, and the PEG sits at 0.40 — below its growth rate. That combination is rare. Check Fundamentals of State Bank of India.
Banks - Regional
City Union Bank Limited (CUB) Q2 FY27: Net Profit Up 27%, Net Interest Margin Rises
City Union Bank Limited (CUB) reports a 27% rise in PAT for Q2 FY27, with net profit at Rs.416 Cr and a 31% increase in Net Interest Income.
City Union Bank Limited (CUB) announced its performance results for the second quarter and half year ended 30th September 2026. The bank’s financial performance showed significant growth across various metrics. The Net Profit After Tax (PAT) increased by 27% to Rs.416 crore for Q2 FY27 compared to Rs.329 crore in the same quarter last year. The Net Interest Income (NII) grew by 31% to Rs.873 crore for Q2 FY27 and Rs.1,693 crore for H1 FY27.
Financial Highlights
CUB’s total income for Q2 FY27 was Rs.2,442 crore, marking a 28% growth from Rs.1,912 crore in Q2 FY26. The operating profit for Q2 FY27 stood at Rs.661 crore, a 40% increase from Rs.471 crore in Q2 FY26. The bank’s operating profit for H1 FY27 was Rs.1,241 crore, up 35% from Rs.922 crore in H1 FY26.
Asset Quality and Ratios
The bank’s asset quality improved with the Gross Non-Performing Assets (NPA) decreasing to 1.44% from 2.42% in Q2 FY26. The Net NPA fell to 0.48% from 0.90% in the same quarter last year. The Net Interest Margin (NIM) increased to 3.87% in Q2 FY27 from 3.63% in Q2 FY26 and 3.83% for H1 FY27 compared to 3.59% in H1 FY26.
The Cost to Income Ratio (CIR) for Q2 FY27 was 45.96%, down from 49.16% in Q2 FY26. The bank’s capital adequacy ratio stood at 21.26%, well above the regulatory requirement.
City Union Bank Limited continues to strengthen its financial health and operational efficiency, setting a positive tone for the future.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of City Union Bank Limited
City Union Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
City rises 13.0% over three months, with buying pressure holding steady. Industry-leading margins of 37.6% reflect exceptional pricing power and operational efficiency. Revenue grows at 11.0% and profits at 17.0% CAGR. The market consistently rewards this kind of compounding. Buyers show up with 1.5x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. Both the business and the stock move in the right direction. Revenue grows at 11.0%, profits at 17.0%, and the PEG sits at 0.95 — below its growth rate. That combination is rare. Check Fundamentals of City Union Bank Limited.
BANDHANBNK
Bandhan Bank Limited (bandhanbnk) Investor Presentation Q2fy27: Strong Outreach and Profitability
Bandhan Bank Limited (BANDHANBNK) Q2FY27 Investor Presentation highlights strong outreach, profitability, and strategic growth.
Bandhan Bank Limited (BANDHANBNK) presented its Q2FY27 results, showcasing robust growth and strategic expansion. The bank’s outreach capabilities have deepened, with a footprint across 35 states and Union Territories, comprising 2,041 branches and 4,414 ATMs. The bank’s comprehensive financial solutions have seen a diversified portfolio, with EEB ₹526.2 bn, housing and retail ₹520.1 bn, and wholesale banking ₹537.4 bn.
Strategic Highlights
Bandhan Bank’s customer centricity and digitization efforts have led to seamless customer journeys and improved satisfaction. With 98% of retail transactions being digital and 93% of savings accounts opened digitally, the bank has significantly enhanced its digital onboarding process.
Capital & Liquidity
The bank maintains strong capital adequacy and a stable deposit base, with a Capital Adequacy Ratio (CRAR) of 18.3% and a Common Equity Tier 1 (CET 1) ratio of 17.7%. Retail deposits constitute 72.7% of total deposits, indicating a healthy deposit base.
Productivity & Efficiency
Bandhan Bank focuses on workforce upskilling and reskilling, driving operational excellence. The cost/income ratio stands at 57.5%, with a 9% YoY increase in business per employee. Training and upskilling efforts have resulted in 511K learning hours.
Looking ahead, Bandhan Bank Limited remains committed to its strategic growth, market reach, and operational efficiency.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of Bandhan Bank Limited
Bandhan Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
Bandhan falls 21.4% over three months and has not found a floor yet. Revenue contracts at 5.0% CAGR. That signals structural headwinds, not a short-term blip. Buyers show up with 1.5x the volume of sellers. Moreover, they dominated on 17 of recent sessions versus 13 for sellers — a healthy accumulation pattern. Revenue grows at 5.0% and the stock moves sideways over three months. Neither side makes a strong case. The next earnings print will likely break this stock out of its current range. Check Fundamentals of Bandhan Bank Limited.
Banks - Regional
The Karnataka Bank Limited (ktkbank) Reaches All-time High of Rs. 2,07,132.41 Crores in Aggregate Business and Rs. 435.89 Crores in Net Profit
The Karnataka Bank Limited (KTKBANK) announced record aggregate business and net profit for Q2 FY27, showcasing a robust 37% YoY growth in net profit.
The Karnataka Bank Limited (NSE: KTKBANK) has reached an all-time high in its financial performance for the quarter ended September 30, 2026. The bank reported an aggregate business of Rs. 2,07,132.41 crores, marking a significant increase from the previous year. Notably, the bank’s net profit stood at Rs. 435.89 crores, reflecting a 37% year-on-year improvement.
Record Aggregate Business
The bank’s aggregate business climbed to Rs. 2,07,132.41 crores, a 17.38% increase compared to the same period last year. This growth is driven by a robust expansion in both deposits and advances. Deposits stood at Rs. 1,15,117.15 crores, showing a 11.96% year-on-year growth, while gross advances reached Rs. 92,015.26 crores, registering a 25% increase.
Improved Asset Quality and Profitability
The bank’s asset quality has significantly improved, with the Gross Non-Performing Assets (GNPA) percentage declining by 106 basis points to 2.27% and Net Non-Performing Assets (NNPA) percentage dropping by 61 basis points to 0.74%. These improvements have positively impacted the bank’s profitability, reflected in the Net Interest Margin (NIM) increase from 2.72% to 3.17%.
Looking ahead, The Karnataka Bank Limited is committed to maintaining its growth trajectory through strategic initiatives focused on digital transformation, operational efficiency, and customer engagement. The bank’s leadership remains dedicated to delivering enduring value to its stakeholders and reinforcing its position as a reliable financial partner.
Source: NSE Corporate Announcement
Fundamental & Technical Analysis of The Karnataka Bank Limited
The Karnataka Bank Limited belongs to the Financial Services › Banks – Regional sector. Here’s a quick read on where the business and the stock stand today.
The gains 20.8% over three months and trades near its 52-week highs. Industry-leading margins of 41.5% reflect exceptional pricing power and operational efficiency. The PEG of 2.42 makes it expensive versus peers. The premium needs earnings to catch up quickly. The stock trades at 91% of its 52-week range — near its best levels of the year. Clearly, the market pays a premium for this name. The stock rises 20.8% in three months on 2.7% revenue growth. As a result, the market gives it more credit than the fundamentals strictly justify. Watch the next quarterly results. If growth accelerates, the move makes sense. If not, expect some gains to unwind. Check Fundamentals of The Karnataka Bank Limited.
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