Public Sector Bank’s Credit Rating Reaffirmed at AAA

New Delhi: CRISIL Ratings has reaffirmed the credit ratings of a leading public sector bank at AAA and AA+ with a Stable outlook, reflecting the bank’s strong financial position and steady performance, the bank said in a regulatory disclosure on Friday.

The reaffirmation covers major instruments including infrastructure bonds, Tier-I bonds and Tier-II bonds. CRISIL highlighted the bank’s improving asset quality, consistent profitability and solid capital position as key reasons for maintaining the top rating.

As of September 30, 2025, the bank reported ₹18.26 lakh crore in standalone assets and a profit of ₹19,581 crore in FY25. Asset quality has continued to improve, with gross non-performing assets declining to 2.2%, while capital adequacy remained comfortably above regulatory requirements. Liquidity also stayed strong, supported by a liquidity coverage ratio of 121%.

CRISIL also pointed to the bank’s wide domestic network, international presence and continued backing from the Government of India as important strengths supporting long-term stability.

The stable outlook reflects confidence in the bank’s ability to maintain healthy growth, manage risks effectively and sustain its performance in the coming years.