Transcript of Q1FY27 Earnings Audio Conference Call

AI summary - Q1 FY27 aggregate business at INR1,97,007 Cr, +3% Q-o-Q, +11% Y-o-Y - Gross advances INR86,610 Cr, +4% Q-o-Q, +17% Y-o-Y; focus on retail, Agri, MSME growth - Net interest income INR938.29 Cr, +11% Q-o-Q, +24% Y-o-Y; NIM improved to 3.20% - PAT INR418.95 Cr, +3% Q-o-Q, +43% Y-o-Y - Gross NPA improved to 2.58%, Net NPA 0.87%; credit cost 0.03% - ROE 12.48%, ROA 1.29% in Q1 FY27; aiming 1.35-1.40% ROA for FY27 - Branch expansion planned: 31-32 new branches in FY27 - Focus on reducing bulk deposits, increasing retail deposits to optimize cost - New products in pipeline: secured credit cards, online trading, digital initiatives - Multiple analyst queries on CEO tenure extension; Board process ongoing