• Net interest margin: The bank reported a NIM of 4.29% supported by an advance yield rise to 10.10% and a deposit cost drop from 5.71% to 4.68%, with full-year NIM guided to stay above 4%.
• Credit-deposit ratio: The bank's CD ratio is currently at 89%, with management noting substantial headroom and setting a comfortable upper limit between 93% and 94%.
• Advances growth outlook: After strong historical loan growth led by gold loans, the management is committed to achieving 21% to 22% advances growth in the current year, supported by accelerated deposit mobilization.