Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q2FY27 disbursements grew 60% YoY to INR 9,609 Cr; loan book up 19% YoY to INR 95,079 Cr - GNPA improved to 0.91%; negative credit cost of 19 bps due to INR 75 Cr recovery - Spread rose 31 bps sequentially to 2.43%; NIM improved 17 bps to 3.67% - Profit after Tax grew 6% YoY to INR 617 Cr; ROA 2.53%, ROE 12.33% - CRISIL upgraded credit rating to AAA with stable outlook - Affordable and emerging markets segments grew 40% and 36% YoY in disbursements - Incremental yield at 9.64% vs book yield 9.54%; cost of borrowing expected to rise 15-20 bps on 50 bps repo hike - Pricing actions effective Nov 1 to offset borrowing cost increase - Capital adequacy strong at 27.03%; Tier 1 at 26.62% - AI initiatives progressing; focus on digital transformation and portfolio quality - Management confident of sustaining growth and margin expansion amid rising rates