Investor Presentation

AI summary - Total Deposits grew 24.6% YoY to ₹48,129 Cr; CASA Deposits up 37.8% YoY to ₹12,930 Cr - Gross Loan Book at ₹42,903 Cr, up 5.5% sequentially; secured loans 50.4% of GLB - NIM stable at 8.5%; Credit Cost at 0.9% of ATA; Slippage Ratio improved to 1.6% - PAT ₹317 Cr with RoA 2.2% and RoE 18.2%; FY27 RoA guidance revised to 1.8-2.0% - Digital initiatives: 71% retail term deposits opened digitally; 46% loan repayments digital - New retail offerings launched: Mutual Fund distribution and Co-Branded Credit Cards - Strong asset quality with GNPA at 3.58%, NNPA 0.34%, and provision coverage robust - Healthy capital adequacy with CRAR at 20.36% and Tier I at 19.16% - Extensive pan-India presence with 814 branches across 26 states and UTs - Focus on MSME, affordable housing, vehicle finance, gold loan, and agri banking segments