Investor Presentation

Investor Presentation - Q2FY27 - Gross Advances grew 6% QoQ to Rs 92,015 Cr; Retail Advances up 5% QoQ - Deposits increased 4% QoQ to Rs 1,15,117 Cr; CASA rose 2% QoQ to Rs 36,605 Cr - GNPA improved 31 bps QoQ to 2.27%; NNPA down 13 bps QoQ to 0.74% - NIM stable at 3.17%, PAT rose 4% QoQ to Rs 436 Cr - ROE at 12.51%, ROA at 1.26%; PCR (excl. TWO) improved to 68.05% - Focus on digital initiatives, product launches in MSME, Retail, Agriculture - Target CD Ratio 79-80%, NIM 3-3.4%, Cost to Income 52-55%, ROA 1.1-1.35%, NNPA 0.6-0.8%, CASA ~34% - Strong management team with independent board and experienced executives - Expanding digital touchpoints and government business collections - Emphasis on retail, MSME, rural growth and digital transformation