Event Type: Q1 FY27 post-results Analyst Meet

Date and Time: Held on 07.08.2026 (time not specified in transcript)

Purpose of Event: Discussion of quarterly results for Q1 FY27, strategic direction of the Bank, operating environment, and priorities for sustaining growth over medium and long term

Timing Relative to Earnings: Meeting held after earnings announcement (results declared prior to meet)

Management Participants:

  • Shri C. S. Setty - Chairman
  • Shri Ashwini Kumar Tewari - Managing Director (Corporate Banking and Subsidiaries)
  • Shri Rana Ashutosh Kumar Singh - Managing Director (International Banking, Global Markets and Technology)
  • Shri Rama Mohan Rao Amara - Managing Director (Retail Business and Operations)
  • Shri Ravi Ranjan - Managing Director (Risk Compliance and SARG)
  • Shri A.S. Paul - Deputy Managing Director (Finance)
  • Shri A Ravi Shankar - Chief General Manager (Financial Control)
  • Shri Pawan Kumar - General Manager (Performance, Planning & Review)
  • Various Deputy Managing Directors heading verticals and Managing Directors of subsidiaries

Availability of Materials: Transcript was submitted as regulatory filing; no mention of presentation deck, recording, or webcast availability

UPSI Statement: The safe harbour statement was read: "Certain statements in today's presentation may be forward-looking statements. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. Actual outcomes may differ materially from those included in these statements due to a variety of factors."

Financial Period Discussed: Q1 FY27 (April-June 2026)

Forward-Looking Statements and Strategic Themes:

  • Guidance of maintaining 3% domestic Net Interest Margin for FY27
  • Credit growth guidance of 14-15% for FY27
  • Focus on digital transformation including YONO ecosystem, AI-powered virtual assistant, digital re-KYC
  • Strengthening risk management through PRISM predictive stress monitoring platform
  • Preparation for Expected Credit Loss framework implementation
  • Building collection vertical with 6,000 Feet on Street deployment
  • Continued focus on subsidiaries and value unlocking

Key Financial Highlights from Transcript

  • Net profit: ₹21,121 crore (record quarter)
  • Operating profit growth: 9.77% YoY
  • Domestic Net Interest Margin: 3% (maintained)
  • Total business: Crossed ₹110 trillion
  • Deposits: Exceeded ₹60 trillion mark
  • Advances: Crossed ₹50 trillion mark
  • Gross and Net NPA ratios: At lowest level in over two decades
  • Fresh slippages: ₹7,046 crore (with ₹1,400 crore already pulled back)
  • Provision Coverage Ratio: Robust
  • Gold loan portfolio: ₹3.1 trillion (₹1.25 trillion personal, ₹1.85 trillion agriculture)
  • Fee income: Approximately 15% of overall income
  • Interest on IT refund: ₹220 crore
  • Other provisions: ₹1,269 crore (includes ₹750-800 crore for PLI amortization)
  • Dividend income: ₹31 crore

Additional Notes Section

Attachments: Transcript was enclosed with regulatory filing

Financial Data Disclosure: Extensive financial data and performance metrics were discussed during the analyst meet

Compliance: Filed pursuant to Regulation 30 read with Para A Part A of Schedule III to SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015