'Business Updates for the quarter ended September 30, 2025'

RoA will be closer to 1.5% for the immediate 1 or 2 more quarters.

Cost to income, I had always guided that till FY '27, it will be somewhere around 65%.

Cost to income, I had always guided that till FY '27, it will be somewhere around 65%.

Very quickly between FY '27 to FY '30, the cost to income will go down to 50%.

Our overall guidance will be somewhere around 4% - in between what our quarterly NIM and yearly NIM was.

On return on assets, our guidance is between 1.5% to 1.8% and return on equity between 15% to 17%.