• Corporate governance standards: Chairman Rajiv Kumar reiterated that the bank maintains strong internal control systems, a pristine balance sheet, and no systemic governance-related concerns.
• US lawsuit readiness: CEO Sashidhar Jagdishan stated that the bank is well positioned to face any lawsuit in the US, with benefits from the merger expected to accrue over the long term.
• NIM recovery timeline: Net interest margins and the low-cost fund ratio are projected to begin an upward trajectory by mid-calendar 2027 or between April and June FY27 as granular deposit acquisition accelerates.
• Return on assets: Improvement in low-cost funding and margins over the next two to three years, combined with AI and digital investments, is expected to enhance the bank's RoA.