• Asset quality improvement: Gross NPA declined to 2.95% (₹37,000 crore) and Net NPA decreased to 0.29% (₹3,700 crore), supported by full-year recoveries of ₹15,500 crore, a PCR above 97%, and slippages dropping to 0.60%.
• Deposit growth drivers: CASA increased by 6.2% propelled by a 9.2% growth in individual savings accounts that mobilized ₹23,000 crore across 47 lakh new accounts, while monthly incremental deposit costs fell by 3 to 4 basis points.
• ECL framework readiness: Backed by a CRAR of 17.74%, CET1 of 13.62%, and accumulated floating provisions of ₹2,045 crore, the bank expects no disruption when adopting new ECL norms on April 1, 2027.
• FY27 growth guidance: The bank projects credit growth of 12–13%, deposit growth of 9–10%, NIM of 2.60–2.70%, Gross NPA below 2.50%, and a return on assets above 1%.