Key Highlights • Net Advances: ₹3,15,154 Cr (↓8.7% YoY) • Total Deposits: ₹4,00,178 Cr (↑1.6% QoQ) • CASA Ratio: 31.3% (vs 30.2% QoQ) What’s Happening • Loan book contraction reflects deliberate de-risking and portfolio clean-up • Continued impact from MFI stress and past accounting concerns • Deposit growth and CASA improvement indicate gradual return of customer confidence What to Watch Ahead • NIM (Net Interest Margin) trajectory • MFI slippages and asset quality trends • Provisioning levels • Management commentary on derivatives issue resolution Why It Matters While advances decline is a concern, stabilisation in deposits and CASA is a positive signal. The next trigger will depend on clarity around asset quality and earnings recovery. Learning Outcome In banking, balance sheet repair phases often involve slower growth. Investors should focus on asset quality, deposit stability, and management commentary during such transitions.

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