Please find attached the transcripts of the call with media and of earnings with analysts and investor on the financial results for the quarter ended June 30, 2026.

AI summary - Net interest income grew 12.7% y-y to ₹24,384 Cr; NIM at 4.36% in Q1 FY27 - Profit before tax excluding treasury up 20.9% y-y to ₹18,975 Cr; PAT up 15.9% y-y to ₹14,805 Cr - Loan portfolio grew 19.6% y-y; retail loans up 12%, rural portfolio up 35.4% - Net NPA ratio at 0.35%; provisioning coverage ratio 74.7% - FCNR(B) deposit mobilization underway; expected to be NIM dilutive but earnings accretive - Fee income rose 23.5% y-y; operating expenses up 10.4% y-y - Management expects NIM to be range-bound in FY27 assuming no rate changes - Corporate loan growth driven by working capital demand and bond market moderation - AI investments focus on customer experience, risk management, and operational efficiency