Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q2 FY27: Deposits grew 18.8% y-y; CASA up 10.8% y-y; retail CASA 11.2% y-y - Total AUM up 15.3% y-y; retail disbursements crossed Rs 90,000 Cr in Q2 - GNPA at 1.11%, credit cost 44 bps; ROA steady at 1.8%; PAT Rs 19.5 bn, +12.7% excluding trading gains - Margin bottomed at 3.32%; upward trajectory expected from Q3 with 70% floating rate loans - Digital and AI initiatives enhanced customer experience and fraud prevention - Leadership transition: Sashidhar Jagdishan retiring; Anup Bagchi appointed MD & CEO - Multiple analyst queries on margin trajectory; management expects improvement from Q3 - FCNR deposits deployed matching loan growth; cost of funds stable at 4.4% - Retail and MSME loan growth strong; corporate loan growth steady at ~16.5% y-y - LCR at 113%, target 110-115%; liquidity comfortable despite LCR fluctuations - Bancassurance commission changes pending; impact under review - PSL shortfall mainly in small/marginal farmer segment; bank actively sourcing