Highlights
- The bank has improved its asset quality, as reflected in the increasing PCR. Additionally, profitability has increased, with PAT margins rising from 3% to 39% in just a few years.
- The bank is a market leader in financial inclusion, particularly in PMJDY deposits and accounts, with a market share of 17.7% and 15.3%, respectively.
- The bank maintains a strong capital position, with the CD ratio expected to reach 84% by FY26.
- The bank is focused on digital transformation to improve customer experience and efficiency, with increasing market shares in internet and mobile banking.