Transcript of Post Earnings Concall / Meet

AI summary - Total business grew 14.22%, deposits up 12.50%, advances up 16.39% with balanced segment growth - Net profit rose 14.71% to Rs.3,462 crore; operating profit up 46.58% excluding NSE gains - NIM improved 8 bps y-y; domestic NIM +1 bps q-q; overseas NIM +8 bps due to portfolio churn - Gross NPA down to 1.61%, net NPA 0.14%; credit cost 0.22%, provision coverage 98.22% - Deposit growth guidance revised to 11-12%, advances to 13-14% for FY27 - Corporate credit pipeline Rs.63,000 crore with Rs.30,000 crore sanctioned but undisbursed - Digital initiatives include AI banking assistant TARA and Smart Wealth tool; digital business grew 18% y-y - Multiple analyst queries on ECL provisioning and treasury income; bank maintains cautious outlook - Capital adequacy at 16.21%, CET1 at 15.18%, Tier 2 at 1.03%; LCR at 116%