Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q4FY23 net profit 2,043cr +46% y-y, +4% q-q; annual PAT 7,443cr +55% y-y - Loan growth 21% y-y, 6% q-q; retail loans now 54% of book - NIM stable at 4.28%, ROA 1.9%, ROE 15.26%, CRAR 17.86% - GNPA 1.98%, NNPA 0.59%; credit cost 142bps vs 156bps q-q - Planning Cycle 6 targets: loan growth 18-23%, retail deposits 45-50%, PPOP/loans 5.25-5.75%, ROA 1.9-2.2% - Vehicle finance disbursements up 25% q-q; microfinance rebounding with 30% q-q disbursements growth - Digital initiatives progressing; new app launch planned this quarter - Guidance: credit cost 110-130bps; NIM 4.25-4.35% in PC6 - Branch expansion ongoing; focus on retail deposit granularisation - Conservative provisioning maintained with PCR at 71%