<h1>Major private bank reports 1.31% decline in consolidated profit despite standalone gains and income growth</h1> A major private sector bank reported a 1.31% decline in consolidated net profit to Rs 16,258 crore for the June 2025 quarter, compared to Rs 16,475 crore in the previous year. However, standalone net profit increased to Rs 18,155 crore from Rs 16,174 crore year-on-year. Total income rose significantly to Rs 99,200 crore from Rs 83,701 crore, while total expenditure increased to Rs 63,467 crore from Rs 59,817 crore. The net interest margin compressed to 3.35% from 3.46% in the first quarter of FY25. Overall provisions surged to Rs 14,442 crore from Rs 2,602 crore, including a floating provision of Rs 9,000 crore. The gross non-performing assets ratio slightly increased to 1.4% from 1.33% in the previous quarter.