• Net interest margin: Deposit repricing reduced deposit costs from 5.71% to 4.68%, while advance yields improved to 10.10%, driving NIM to 4.29%. Management expects NIM to moderate slightly due to deposit rate hardening but remain above 4% for the full year.
• Credit-deposit ratio: The bank's CD ratio currently stands at 89% against a net worth of over 13%, providing headroom up to a targeted comfort level of 93–94%. Future credit expansion will be funded through a focused push on deposit growth.
• Advances growth guidance: Following 27% loan growth driven largely by gold loans, management is confident in delivering 21–22% advances growth for the year.