• RAM portfolio expansion: The share of retail, agriculture, and MSME advances grew from 58% to 59%, while the CD ratio rose from 75% to 80%, providing diversified risk, lower capital charges, and better yields.
• Loan growth guidance: Management maintained its FY27 loan growth target at 10% to 12% despite achieving 17.97% growth in Q1, expressing confidence that full-year performance will surpass the conservative guidance.
• Gold loan portfolio: The outstanding gold loan book stands near 2.45 lakh crore, supported by strong southern branch presence, fast turnaround times, compliance with RBI guidelines, and low capital charges.
• Deposit mix optimization: To protect margins and lower funding costs, the bank is replacing bulk deposits with retail term deposits and sticky individual CASA, generating a 20 to 25 paise benefit to support net interest income.