Transcript of Bank''s Conference/Earnings call held on 17th July, 2026

AI summary - Total global business grew 18.29% to ₹833,320 Cr; deposits up 11.68% to ₹478,972 Cr - Gross advances rose 28.58% to ₹354,348 Cr; CD ratio improved to 74.10% - Gross NPA improved by 53 bps to 2.60%; net NPA at 0.49%, PCR ~95.86% - Net profit increased 13.26% to ₹1,324 Cr; NIM at 3.06%, ROA 1%, ROE 14.92% - RAM sector grew 21.38% with retail +23.92%, agriculture +21.14%, MSME +18.03% - Cost-to-income ratio stable at 55.40%; credit cost improved to 0.40% - Guidance: deposit growth 11-12%, advances growth 14-16%, NIM above 3%, ROA above 1% - Undisbursed advances approx ₹5,000 Cr; treasury income ₹276 Cr; ECL provisions ₹1,525 Cr made - Recovery from technical written-off accounts expected ₹2,200-2,500 Cr in FY27 - Strategic initiatives: 1,000 trained credit officers joining Oct 2026, new branches, marketing push, centralized forex and BG cells - Capital adequacy robust with CRAR 18.28%, Tier 1 at 16.54%; no immediate capital raise planned