• Loan growth guidance: While official FY27 credit growth guidance is maintained at 10% to 12%, the bank achieved 17.97% growth in Q1 and expects to exceed its target driven by strong domestic credit demand and overseas utilization.
• RAM portfolio expansion: The bank has increased its RAM (retail, agriculture, and MSME) advances mix from 58% to 59% and raised its CD ratio from 75 to 80 to capture higher yields and diversify risk with lower capital charges.
• Gold loan portfolio: Gold loan outstandings have reached nearly ₹2.45 lakh crore, supported by strong southern branch presence, regulatory compliance, stable gold prices, and negligible capital charges.
• Deposit rebalancing strategy: To protect margins and reduce reliance on expensive bulk deposits, the bank is shifting toward retail term deposits and individual CASA, capturing a 20 to 25 paise advantage on replacement costs.