: Guidance - - Concall Update Management expects real GDP growth for FY26 at 7.3%. The bank completed its planned addition of 24 branches for FY26, reaching a total of 777. Cost of funds is expected to trend better, with an exit cost of fund around 7% by the year-end. Net Interest Margin (NIM) is expected to stay at the reported Q3 level, with possibilities for improvement due to rate reductions and portfolio growth. Credit cost is expected to reduce further in Q4, with normalization anticipated by the end of Q1 or Q2 FY27. The bank maintains its FY26 guidance for ROA between 1.2% and 1.4% and ROE between 10% and 12%, with a long-term vision for ROA of 1.8% to 2% by FY2030 By FY2030, the loan mix is projected to be 30-35% unsecured and 65-70% secured, progressing annually by about 5% towards this target. The OpEx to asset ratio for Q4 is expected to remain around 6.7%, with an improvement projected for the next financial year. The bank will introduce mid-corporate offerings in Q4 FY26.