• Asset quality improvement: Gross NPA declined from 3.95% to 2.95% and net NPA dropped to 0.29%, supported by a provision coverage ratio above 97% and full-year recoveries of ₹15,500 crore, which were nearly double the slippages.
• Deposit mobilization strategy: CASA grew 6.2% driven by a 9.2% increase in individual savings deposits following product revamps, while future current account growth will target merchant acquiring through POS and QR code solutions.
• ECL transition readiness: The bank holds ₹2,045 crore in floating provisions alongside a capital adequacy ratio of 17.74% and CET1 of 13.62%, providing adequate buffer to navigate expected credit loss norms starting April 1, 2027.
• FY27 growth guidance: Management projects 12–13% credit growth, 9–10% deposit growth, net interest margins between 2.60% and 2.70%, and a reduction of gross NPAs to below 2.50% while maintaining return on assets above 1%.