Bank of Baroda posted a record Q4 net profit of Rs 5,616 crore despite higher provisions. The result was supported by stronger net interest income and improving asset quality, with management highlighting better balance-sheet metrics. The bank also outlined FY27 growth guidance and approved a Rs 6,000 crore capital raising plan to fund future expansion.
South Indian Bank reported 19% higher Q4 profit, rising to Rs 408 crore, largely due to a sharp decline in provisions. The bank’s operating profit and other income were weaker, but improving asset quality and healthy growth in advances and deposits helped stabilize performance and strengthen investor sentiment.
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Bandhan Bank posted a 68% year on year jump in Q4 profit to Rs 530 crore, largely due to sharply lower provisions and improved asset quality. However, net interest income rose only about 1% and margins remained under pressure. Still, sequential improvement and a healthier loan mix point to a turnaround, even as the full-year picture was weaker.
Axis Bank shares slid about 3% even as 94% of analysts kept a buy rating. Strong loan growth and improved asset quality were offset by a sharp rise in provisions tied to the West Asia conflict, pushing up credit costs. Management chose a cautious path to strengthen buffers, which weighed on near-term performance despite the positive longer-term outlook.
AU Small Finance Bank’s Q4 net profit jumped 65% as provisions fell sharply, boosting earnings despite only modest operating profit growth. The lender saw strong loan and deposit growth, improved asset quality, and margin expansion. Still, higher expenses and treasury losses weighed on day-to-day performance, shaping a mixed earnings picture.
Uco Bank’s Q4 net profit jumped 23% to Rs 801 crore, helped by lower provisions. However, operating profit fell as core and non-interest income weakened. Net interest margin slipped to 3%, even while advances grew 19.4% and deposits rose 11.6%, signaling growth alongside margin pressure.
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Axis Bank’s Q4 net profit edged down, hit by trading losses and a new provision set aside for potential risks. Even so, the bank reported improved asset quality alongside growth in advances and deposits. Management has recommended a dividend and is also laying groundwork for capital raising to strengthen its balance sheet going forward.
IndusInd Bank reported a net profit of Rs 594 crore for the March 2026 quarter, marking a sharp turnaround. The improvement was driven largely by reduced provisions and tighter control over loan slippages. For FY26, the bank’s profit rose to Rs 889 crore, signaling a steadier performance heading into the next fiscal cycle.
ICICI Bank’s sharp drop in provisioning is being read as a sign of improving asset quality and a sturdier recovery pipeline. HDFC Bank, however, is taking a more cautious approach, focusing on protecting profitability and asset quality amid macroeconomic headwinds. It also plans to gain deposit market share, targeting faster deposit growth than credit growth.
Union Bank of India shares slid about 10% in two days after Q4FY26 results failed to meet broker expectations. Even as net profit increased, investors focused on weak NII, a surge in provisions, and margin pressure. Asset quality improved, but elevated credit costs and constrained near-term upside kept sentiment cautious.
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