: Guidance - - Concall Update Management's Q3 FY26 ROA of 1.30% is above their guidance of 1.20%, and they expect it to remain around 1.3% for the full year. Nine-month recovery of INR5,153 crores is on track against the guidance of INR5,500 crores to INR6,500 crores, and the slippage ratio of 0.69% is within guidance. The bank has achieved INR198,350 crores in digital business for the nine months ended Q3 FY26, against a target of INR225,000 crores, and expects to surpass this target. Asset quality guidance includes maintaining Gross NPA below 2% and Net NPA at 0.5%, with expectations that the current slippage ratio will continue, despite potential minor aberrations in March. Management expects to surpass their credit growth guidance and sustain current growth levels into the next year, aiming for 12-13% growth while prioritizing asset quality.