Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Bank focuses on five pillars: Efficiency, Robustness, Quality & Sustainable Growth, Profitability, Customer Centricity - Average CASA maintained at INR24,000+ crores; RTD at INR17,000 crores; bulk deposits reduced by INR18,000-20,000 crores - Credit growth pipeline over INR1,00,000 crores; aiming 18-20% growth in MSME, agriculture, retail sectors - NIM improved to 2.80%; cost of deposits reduced by 18 bps; capital adequacy at 18.46% - ECLGS disbursement at INR10,000 crores; total expected INR14,000-15,000 crores - Asset quality stable with GNPA/NNPA levels among best; additional provisions of INR800 crores made - PSLC fee income at INR217 crores this quarter; total ECL provisions required approx INR11,300 crores - LCR ratio improved to 121%; credit-deposit ratio comfortable at 86%; deposit growth prioritized in CASA and retail term deposits - Management confident of sustaining growth, improving NIM, and maintaining robust balance sheet