Analysts/Institutional Investor Meet/Con. Call Updates

AI summary - Q2FY27 net profit rose 65% y-y to INR 1,080 Cr; operating profit up 29.4% y-y to INR 1,678 Cr - Advances grew 23.7% y-y; deposits up 19.5% y-y; CASA deposits grew 15.5% y-y - CET-1 ratio pro forma impact from Supreme Court AT-1 bond judgment approx. +240 bps; overall Tier 1 at 13.7% - NIM at 2.6% with expected positive bias in H2FY27 from repo hikes, RIDF run-down, and FCNR deployment - Asset quality stable; gross NPA 1.2%, net NPA 0.2%; net credit cost 0.3% of avg assets - Capital planning ongoing; bank confident of growth with pro forma CET-1 ~11.4% and buffers including DTA - Multiple analyst queries on AT-1 coupon payments; bank assessing implications and will disclose post assessment - Management confident on sustaining growth momentum and improving core ROA towards 1% in FY27