• Business growth guidance: With a balance sheet close to ₹2 lakh crore, the bank targets growth at 2.25 to 2.5 times nominal GDP, projecting 23% to 24% growth based on expected nominal GDP growth of 9% to 10%.
• NIMs and yields: Although strong fourth-quarter margins cannot be directly extrapolated, management expects structural yield support from high-yield segments including vehicle finance, mortgages, gold loans, and microfinance.
• Asset quality outlook: Slippages dropped approximately 17% quarter-on-quarter due to stabilizing microfinance and declining credit card costs, with management expecting FY27 performance to improve over the prior year.
• Universal banking transition: The bank is awaiting RBI approval following its universal bank application filed in March 2026, with operational, risk, and product frameworks already established.
• Return on assets: The bank achieved its guided 1.8% ROA target during the current exit quarter, reaching the milestone ahead of its original FY27 exit target.