• Advances portfolio mix: The bank increased its RAM (retail, agriculture, and MSME) share from 58% to 59% and raised its credit-to-deposit ratio from 75 to 80 to capture higher yields on advances.
• Loan growth outlook: Despite Q1 growth reaching 17.97% due to strong credit demand and emergency credit line utilization, the bank maintained its FY27 guidance at 10% to 12% while expecting to surpass it.
• Gold loan performance: With an outstanding book of nearly 2.45 lakh crore, the gold loan segment offers low capital charges, healthy spreads, and full compliance with new RBI guidelines.
• Deposit replacement strategy: To protect net interest margins with a CASA ratio near 30%, the bank is actively replacing expensive bulk deposits with sticky retail term deposits and savings accounts, gaining a 20 to 25 paise pricing advantage.