• Guidance review: Management will assess Q2 performance before revisiting its growth targets, noting that bulk deposit rates have cooled from previous levels of 7.8% to 8%.
• Asset quality targets: Gross NPA currently stands at 1.86%, and management expects to meet its guidance target of 1.50% to 1.60% with no visible stress from geopolitical tensions.
• Corporate loan pipeline: Corporate loan growth reached 11.29% with a pipeline of ₹63,000 crore, driven by strong demand in data centers, green finance, battery storage, transmission lines, and ports.
• Capital adequacy position: Total capital adequacy stands at approximately 17.5% with Tier 1 at 16.51%, eliminating the need for fresh equity raising despite an estimated ₹3,000 to ₹3,500 crore ECL impact.