Transcript of Earnings Conference Call

AI summary - Business grew 25% Y-o-Y in Q2 FY27; advances up 30% Y-o-Y - Domestic credit growth 23%, deposits up 22% Y-o-Y; CASA grew 12% - GNPA improved to 1.25%, NNPA at 0.12%, PCR at 98.53% - Operating profit rose 31%, net profit up 41%; ROE at 26.98%, NIM 3.97% - Capital adequacy healthy: CET1 15.61%, CRAR 18.51%; LCR 123%, NSFR 127% - ECL provisioning of INR750 Cr done covering FY27-28; total assessed need INR2,500 Cr over 4 years - Write-off recovery target INR1,300-1,500 Cr annually for next 4-5 years - Credit pipeline INR23,000 Cr with focus on infra, renewable energy, roads - Branch expansion ongoing; employee strength increased to 17,500 to support growth - Pricing actions improved yield; branch-level profitability reviews implemented - Drought restructuring scheme approved with moratorium and repayment terms; 10-15% uptake expected