Transcript of Earning Call : Quarter 2 FY 2026-27

AI summary - Deposits and advances returned to double-digit growth at 10% and 11% YoY - Annualised gross slippages improved to 1.8%, net slippages to 1.1%; GNPA at 2.73%, NNPA at 0.83% - Retail deposits grew sharply; FCNR(B) deposits mobilised USD 3.51bn, 6.3% of Q2 average deposits - Vehicle finance portfolio at Rs.1.01 lakh crore; disbursements up 17% YoY - Q2 RoA improved to 0.87%; PAT Rs.1,242 crore, up 51% QoQ - Capital adequacy healthy with CET1 at 15.55%, CRAR at 16.59% - Fee income up 26% QoQ; NIM at 3.23% with temporary pressure from FCNR(B) - Management confident of growth in line with system and medium-term ROA target of 1.75-1.80% - Continued investment in branches (+124 outlets) and AI initiatives; focus on granular retail deposit growth