• Net interest margins: Management expects a slight margin drop in Q2, but remains confident of achieving a full-year NIM between 3.65% and 3.70% through recovery in Q3 and Q4.
• Asset quality guidance: Recoveries are anticipated to surpass slippages in Q2, with full-year slippages projected to remain between ₹700 crore and ₹750 crore.
• Loan portfolio targets: Gold loans are expected to sustain a 31% to 32% share of the total book, while MSME segment growth is projected to outpace the banking system by 2% to 3%.
• Cost and return metrics: Cost-to-income is guided at 47% to 48% for the year due to employee wage hikes starting in July, while return on assets is targeted to exit between 1.60% and 1.65%.