• Growth targets: The bank projects overall growth to reach approximately 18% in FY27, backed by target NIMs of 3.9% to 4% and an ROA of around 2%.
• Cost of funds: Due to intense industry competition for deposits, the bank expects its cost of funds to increase by 5 to 10 basis points in FY27.
• MSME portfolio expansion: Backed by structural changes such as a new Loan Management System and Credit Management Centers, MSME growth is estimated to reach 20% in FY27 with yields of 10.58% and an ROA exceeding 2.5%.
• Credit cost outlook: Following an extraordinary FY26 where high recoveries kept credit costs at 1 basis point, credit costs are expected to normalize to between 10 and 15 basis points in FY27.
• Gold loan resilience: With an average loan-to-value ratio of 53% and automated monitoring systems in place, the gold loan portfolio can withstand up to a 25% price correction without negative impact.