Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q1 FY27 gross global business grew 10.2% Y-o-Y to INR29.98 lakh crores; advances up 12.7% Y-o-Y to INR12.73 lakh crores - Core advances ex-IBPC grew 15.4% Y-o-Y; retail +17.5%, MSME +19.8%, agri priority +16.4% - Domestic NIM improved to 2.64% from 2.61% last quarter; global NIM at 2.50% - Net profit INR5,253 crores; operating profit INR7,519 crores, +6.2% Y-o-Y - Gross NPA declined 100 bps to 2.78%; net NPA improved to 0.28%; PCR at 97.23% - Capital adequacy at 18.13%; CET1 at 14.52% - Digital loans crossed INR1 lakh crores cumulative; 50% of loans sanctioned digitally in Q1 - Floating provision of INR390 crores added in Q1; total INR2,435 crores; ECL one-time provision estimated INR9,500-10,000 crores - Cost-to-income ratio improved to 50.31% from 55.31%; target ~47-48% by FY27 end - MSME credit growth driven by digital cash flow lending; expected 25% growth in MSME segment - Treasury income expected INR900-1,000 crores per quarter; digital spend budget INR3,400 crores in FY27 - Gross NPA guidance <2.5%, net NPA <0.3% for FY27; slippages ratio at 0.68% in Q1 - Bank focused on shedding low-yielding advances below 7%, replaced with higher-yielding loans - FCNR deposits target USD2.5 billion; USD425 million mobilized with good traction - AI and quantum-safe encryption deployed for customer service and risk management - SMA book stable at 2.9% of loan book; no material impact from geopolitical tensions