Investor Presentation

Investor Presentation - Q2FY27 - Gross advances grew 30% YoY to Rs. 50,669 Cr; disbursements up 38% YoY - PAT surged 803% YoY to Rs. 218 Cr; RoA improved to 1.31%, RoE to 13.50% - GNPA reduced to 2.29%, NNPA to 0.70%, PCR stable at 70.08% - NIM declined QoQ to 6.69%, expected to improve over next two quarters - Advances growth guidance revised upward to 25%+ for FY27; ROA guidance raised to ~1.35% - Cost to income expected to moderate in H2FY27; credit costs to normalize - Raised Rs. 500 Cr via Tier-II bonds; CASA ratio at 26% - MFI advances to be maintained around 10% of overall advances - Digital initiatives and customer experience enhancements ongoing