Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Total advances grew 23% YoY and 9% QoQ; retail advances up 16% YoY and 10% QoQ - Total deposits grew 23% YoY and 7% QoQ; strong FCNR(B) mobilization of ₹1,018 bn - NII grew 12% YoY and 5% QoQ; NIM at 3.36% (3.47% excl. FCNR impact) - PAT grew 38% YoY; ROA 1.49%, ROE 13.96% - GNPA at 1.16%, NNPA at 0.35%; net credit cost 0.45%, down 28 bps YoY - AI initiatives advancing with enterprise-wide AXIOM model; first Indian bank to enable Apple Pay for credit cards - Cost-to-assets improved to 2.14%; operating expenses grew 9% YoY - Corporate and retail loan growth sustainable; retail mix targeted to return above 55% - NIM expected to improve in coming quarters with FCNR optimization and loan mix changes - Credit cost trajectory improving; no specific guidance but further improvement expected