Mumbai, April 20 -- Net interest income (NII) increased by 8.4% year-on-year (YoY) to Rs 22,979 crore in Q4 FY26. Net interest margin was 4.32% in Q4 FY26 as against 4.41% in Q4 FY25.

Non-interest income added up to Rs 7,415 crore (up 5.6% YoY) and fee income aggregated to Rs 6,779 crore (up 7.5% YoY) during the period under review.

Total income of the bank increased 1.80% YoY to Rs 50,584.38 crore in Q4 FY26.

Operating expenses increased by 12.05% YoY to Rs 12,089 crore in Q4 FY26 from Rs 10,789 crore in Q3 FY25.

Provisions (excluding provision for tax) decreased to Rs 96 crore in Q4 FY26 from Rs 891 crore in Q4 FY25, reflecting healthy asset quality and higher recoveries and write-backs.

Profit before tax in Q4 FY26 stood at Rs 18,...