Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Loan book grew 13% YoY to INR 1.58 lakh crore; non-EEB grew 20% YoY - Deposits rose 9.2% YoY to INR 1.73 lakh crore; retail deposits 72.7% of total - NIM stable at 6.1%; net interest income up 14.4% YoY - Profit after tax INR 622 crore, 5.5x YoY; ROA improved to 1.2%, ROE to 9.3% - Gross NPA 3.1%, net NPA 0.9%; provision coverage 87% - Credit card business launched with 4 variants targeting diverse segments - EEB portfolio stabilized; growth expected 8-10% in H2FY27 - Capital adequacy strong at 18.3% with Tier 1 at 17.7% - Operating expenses at 4.2% of assets; cost-saving initiatives ongoing - Medium-term ROA target 1.6%-1.8%; no change in guidance