• CASA ratio targets: The bank's CASA ratio increased by 188 basis points year-on-year, with management guiding for an improvement to 35%–36% over the next two to three years.
• Loan and deposit growth: Management reaffirmed mid-teens loan growth guidance with a positive bias, while granular retail deposits expanded 14.5%–15% and credit cost guidance was held at 50–60 basis points with a bias toward the lower end.
• FCNR(B) inflows outlook: Industry inflows are projected at $50–$55 billion due to foreign tax implications, narrower interest rate differentials, and Middle East tensions, with Federal Bank targeting a 2.5%–3% market share.
• Gold loan portfolio: The ₹41,500 crore portfolio grew 33% year-on-year with a safe loan-to-value ratio around 60%, and is projected to deliver 20%–30% growth while remaining within 15%–18% of total advances.
• Return on assets: After improving by 22 basis points year-on-year, ROA is guided to expand by 3–4 basis points quarter-on-quarter, supported by organic expansion and portfolio acquisitions in credit cards.