• Credit growth guidance: The bank set a baseline credit growth target of 13% to 14% for the year, with management noting that expansion could surpass 20% if economic conditions remain favorable.
• FCNR(B) deposit mobilization: The lender aims to raise a total of $600 million to $650 million in fresh FCNR(B) deposits by the end of September, having already mobilized $300 million over the preceding two to three weeks.
• Net interest margins: Management guided to maintain full-year margins in the 3.30% to 3.40% range, supported by June quarter domestic and global NIMs of 3.48% and 3.37%, respectively.
• Asset quality performance: Slippages were limited to ₹195 crore (a 0.06% slippage ratio) against a ₹3 lakh crore plus credit portfolio in the June quarter, and management termed the ₹500 crore sequential rise in the SMA book as temporary.