Investor Presentation

AI summary - Q1FY27 net profit ₹3,273 Cr +10% y-y; operating profit ₹5,557 Cr +16.5% y-y - Deposits grew 13.47% y-y to ₹15.29 lakh Cr; advances up 13.89% y-y to ₹8.44 lakh Cr - CASA ratio steady at 39.73%; credit-deposit ratio 81.06% - GNPA improved to 1.86%; NNPA stable at 0.15%; PCR at 98.22% - NIM at 3.29% with guidance of 3.10-3.25% for FY27 - RoA at 1.31%, RoE at 19.48%; cost-to-income ratio 44.80% - FY27 guidance: deposits growth 9-11%, advances 11-13%, GNPA 1.50-1.60%, recovery ₹4,500-5,500 Cr - Digital banking assets ₹67,327 Cr with strong YoY growth in digital MSME and home loans - Capital adequacy ratio (CRAR) at 17.58%; Tier I at 16.51% - Bank won multiple awards including SKOCH Golden and Financial Express Best PSB Award