NIM Guidance: 3.75% for Full Year FY27
NIM expected to stabilize at 3.75% for FY27, with Q1 being the worst-case scenario. Cost of funds at ~6.5% with high bulk deposit mix is a temporary measure until retail franchise builds from FY28.
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ROA Target: 1.3-1.5% for FY27
ROA expected to be in 1.3-1.5% range for FY27, with trajectory moving up from Q1's ~1%. Internal target remains 1.5% but conservative guidance is 1.3% floor.
Fee Income Recovery to 15-17%
Fee income at 12-13% of total income in Q1 impacted by lower treasury gains (3cr vs 53cr YoY), insurance business corrections, and reduced gold disbursements. Full year target of 15-17% maintained with recovery expected from Q2.
Gold Loan Growth: 30-35% for FY27
Gold loan portfolio expected to grow 30-35% in FY27, with mix reducing to ~50% from current 54%. Wholesale business growth guided at 35-40% with target to reach 32% of total advances by FY30.
GNPA to remain below 2%
Management expects GNPA to stay below 2% and improve in Q4/Q1 FY27 through upgrades and recoveries.
NIM to stay in 3.7-3.9% range
Net interest margin is expected to remain between 3.7% and 3.9%, not crossing 4%.
Cost-to-income to remain ~60% for next year
Cost-to-income ratio will stay elevated around 60% for another year before declining sharply from FY28.
ROA target of 1.5% and ROE of 15% by FY27
Management aims to achieve ROA of 1.5% and ROE of 15% in FY27, with gradual improvement.
Loan growth target of ~25% in FY27
Management expects to maintain similar or faster loan growth than FY26, contingent on deposit franchise build.
NIM to remain in 3.75%-4.0% range
Net interest margin expected to stay within this band despite business mix changes.
Cost-to-income ratio to stay 60-65% till FY27
Operating leverage expected to kick in from FY28 onwards as technology investments bear fruit.
RoA ~1.5% and RoE ~15% sustainable in FY27
Management guided that these profitability metrics will be maintained in the coming year.