Investor Presentation

Here is the summary of the attached file: **1. Financial Highlights:** Loan book jumped to ₹2,53,233 Cr (15% CAGR since merger), supported by customer deposits at ₹2,56,799 Cr (34% CAGR). Retail deposits lifted CASA to 48.0%. NIM hit 5.7%, core PPOP/Avg.

Assets improved to 2.0%. Cost-to-income ratio narrowed to 68.7% (ex-trading gains). **2. Strategic Initiatives & Growth Drivers:** Bank pivoted to a full-service Universal model, growing customers to 35.3M & branches to 1,016. Digital prowess fuels efficiency.

Private Wealth AUM surged 34% YoY to ₹51,287 Cr; FASTag & Credit Cards show strong traction. **3. Business Developments:** Balance sheet retailized, dropping Credit Deposit Ratio to 93.4%. Microfinance book trimmed 37% YoY to ₹8,354 Cr, with collection efficiency improving.

Bank announced a ₹7,500 Cr equity capital raise. **4. Market Position & Competitive Advantage:** Loan book highly diversified, minimal infra exposure.

Asset quality stable despite cycles; concentration risk reduced.

Cost of funds lowered.

Credit card business hit operational break-even in just four years. **5. Investor Implications:** Positive growth potential from diversification & efficiency.

NII expected to climb H2 FY26. Bolstered capital from recent raise provides robust base for expansion.

Clear trajectory for robust asset quality & high teens ROE.