• Portfolio composition: The bank's loan book currently stands at 86% RAM (Retail, Agri, MSME) and 14% corporate, with management guiding toward an 80:20 mix for the next year as corporate opportunities emerge.
• Deposit growth strategy: CASA grew by 12% following a front-loading of retail time deposits in the first quarter, supporting a 4.25% net interest margin against a 5.41% deposit cost while targeting a return to a 30% CASA share.
• ECL provisioning buffer: Management anticipates minimal ECL impact due to total provisions of 1.7% of the book—including ₹163 crore set aside for the West Asia conflict—alongside controlled SMA metrics and ₹2,500 crore in annual profit.
• Corporate credit substitution: The bank is selectively moving existing clients from working capital facilities to corporate bonds to lock in yields for 1.5 to 2 years, lower ALM volatility, and avoid priority sector lending obligations.