• NIM and NII: Growth in net interest income is being driven by reduced deposit costs and a structural portfolio shift toward mid-yielding assets over low-yielding assets.
• Deposit expansion strategy: The bank plans to sustain CASA and current account growth by expanding its branch footprint and targeting dedicated current account markets.
• Asset quality outlook: Stable asset quality is expected to continue due to strict lending credit norms, assuming no severe market deterioration from the West Asia geopolitical crisis.
• RoA expansion target: RoA is targeted to improve by 3 to 4 basis points each quarter over the next 4 to 6 quarters, supported by expanding margins.
• Blackstone partnership synergies: A dedicated team has been deployed to capture business across Blackstone portfolio companies—including corporate banking, employee salary accounts, and cross-selling assets—with results expected in 3 to 6 months.