Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q2 FY27 global business at INR 32.58 lakh crore, +17.2% YoY; advances +18.3%, deposits +16.4% - Operating profit INR 11,430 Cr, +50.9% YoY; net profit INR 6,532 Cr, +35.8% YoY - Asset quality strong: GNPA 1.78%, PCR 94.65%, credit cost 0.55% (0.18% excl. prudential provisioning) - Credit growth guidance raised to 13-15%, deposit growth to 11-13% for FY27 - NIM guidance maintained at 2.75-2.95%, margin expected to rise in H2 FY27 - ROA above 1% expected in Q3 and Q4; ROE guidance 15-16% - Prudential provisioning of INR 1,300 Cr for ECL migration buffer; INR 300 Cr contingency for market volatility - Digital initiatives: bob World 2.0 app launched with AI and voice features; cybersecurity focus with mascot Cyber Veeru - Corporate loan pipeline INR 60,000 Cr+; retail and MSME growth strong at ~18-21% - Cost-to-income ratio improved, target below 50%; IT spend up to 15% of operating profit - FCNR(B) deposits USD 8.08 bn raised, liquidity stored for December and March quarters - Recovery from TWO stable at ~INR 750 Cr per quarter - Management confident of sustaining profitability and growth amid macro uncertainties