• Growth guidance: The bank is targeting an overall growth of 15% for FY27, driven by a 15% to 20% expansion in advances and a 10% to 15% growth in deposits.
• Loan portfolio mix: Management aims to focus on retail and mid-corporate lending, targeting a mix of 60% retail, 20% to 22% mid-corporate, and the remainder in bulk and large corporates while reducing low-yielding IBPC exposure.
• Deposit repricing: Cost of funds continues to decline quarter-on-quarter, with high-cost deposits raised at 7.55% around 1.5 years ago set to fully reprice at lower rates by mid-June.
• Asset quality: Gross NPA improved from 3.32% to 2.78% and Net NPA dropped below 1% for the first time, supported by a reduction in the stressed portfolio from 14%–15% down to 4.5%.