Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Profit before tax excluding treasury grew 23.4% y-y to ₹19,954 crore in Q2FY27 - Net interest income up 17.7% y-y; NIM at 4.18%, down from 4.28% adjusted Q1FY27 due to FCNR(B) deposits - Loan portfolio grew 30% y-y; retail and rural loans up 14.8%, corporate loans up 30.6% - Net NPA ratio improved to 0.3%; provisioning coverage at 75% - Deposits grew 27.1% y-y; $18bn FCNR(B) mobilized, supporting stable funding - Credit card portfolio declined 9.7% y-y due to early festive spends last year; growth expected - Treasury loss of ₹230 crore due to market movements; outlook uncertain - Management expects 2 more repo rate hikes; margins to dip in Q3 then recover - Multiple analyst queries on FCNR(B) impact and loan growth; management expects growth to continue within risk thresholds