Transcript of the Earnings Call on the Unaudited Financial Results for the quarter (Q2) and half-year ended September 30, 2026.

AI summary - Loan book grew 13% YoY to INR 1.58 lakh crore; non-EEB grew 20% YoY - Deposits rose 4.7% sequentially to INR 1.73 lakh crore; retail term deposits up 17% YoY - NIM stable at 6.1%; gross NPA 3.1%, net NPA 0.9%, credit cost 1.8% - Q2 PAT INR 622 crore, 5.5x YoY; ROA 1.2%, ROE 9.3% - Credit card business launched with four variants targeting diverse segments - EEB portfolio stabilized; growth expected to resume at 8-10% in H2FY27 - Bancassurance income may face regulatory headwinds but model is well positioned - Capital adequacy strong at 18.3% CAR, Tier 1 at 17.7%; 13 new branches added - Medium-term ROA target 1.6%-1.8%; operating expenses guided at 4.2% of assets - Multiple analyst queries on bancassurance impact and deposit growth; management optimistic on mitigation