Transcript of Post Earnings Concall / Meet

AI summary - Deposits grew 13.40%, advances 13.89%, CASA up 15.30% in Q1 FY27 - Net profit rose 10.09% y-y to Rs.3,273 Cr; NII up 17% y-y; NIM expanded 6 bps - Credit cost declined to 0.23%; gross NPA down to 1.86%; PCR at 98.22% - Guidance: CASA target ~40%, gross NPA 1.50-1.60%, credit cost within 1% - FCNR(B) mobilisation at USD150 mn; plan USD1.5-2 bn; capex Rs.750 Cr for AI/cybersecurity - Margins expected stable at upper end of 3.15-3.25% guidance; cautious loan pricing - MSME stress not visible; ECLGS disbursed Rs.5,000 Cr of Rs.11,000 Cr eligible - Rs.1,000 Cr floating provision made; ECL transition impact Rs.3,000-3,500 Cr - LCR stable at 123%; treasury profit guidance Rs.600-700 Cr for FY27