Q1-FY24 · Shyam Srinivasan
The INR 1 lakh crore, from three to four, was done in two years, and the previous INR 1 lakh took us, I think, three years, and the previous INR 1 lakh took us five years.
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Q1-FY24 · Shyam Srinivasan
We believe that the compression we saw should start turning the way, you know, there should be margin expansion that will come through because the tail end of the rate increase on deposits have played through.
Q1-FY24 · Shyam Srinivasan
Our model of the bank is to ensure that we go after the better-rated segments in every better-rated customer in every segment, be comparatively priced.
Q1-FY25 · Souvik Roy
We have achieved the highest-ever quarterly net profit of INR 1,010 crores and the highest-ever operating profit of INR 1,501 crores.
Q1-FY25 · Shyam Srinivasan
Don't look further. This is the best bank you'll ever see.
Q1-FY25 · Shyam Srinivasan
We believe 30-35 basis points credit cost is what we should operate at.
Q1-FY26 · KVS Manian
We are refueling mid-air, re-engineering the business while we are still delivering the business numbers that we have delivered.
Q1-FY26 · KVS Manian
But for the MFI provision, we would have defended our ROA at the same level as last quarter.
Q1-FY26 · KVS Manian
If we have to choose between the two, we will choose lower rate than lower security.
Q2-FY24 · Souvik Roy
Our net profit number for this quarter is the highest we have ever achieved.
Q2-FY24 · Shyam Srinivasan
The lender to banker strategy is playing through. Most of our corporate and retail customers are concentrating, are giving us a larger share of their business.
Q2-FY24 · Shyam Srinivasan
We are not doing businesses that are ROA decretive or on the same margin, not incremental. We won't do the higher cost income.
Q2-FY25 · KVS Manian
Our goal remains to be the most admired bank, and we are committed to adding momentum to this vision.
Q2-FY25 · Shalini Warrier
We are amongst probably the top three or four in the private sector banks that have announced results on a QoQ CASA growth.
Q2-FY25 · KVS Manian
We do want to get higher NIMs, we do want to improve our unsecured mix. All of that is true, but the way we get there or the speed at which we get there is different, given the environment.
Q2-FY26 · KVS Manian
Our CASA growth this quarter has been very encouraging, both sequentially and year-on-year. Even more importantly, the average CASA balances have risen meaningfully, even more than what the EOPs reflect, showing that the growth is not just at the quarter end but sustained.
Q2-FY26 · KVS Manian
Our fee-to-average assets ratio crossed 1% for the first time, a milestone we have been targeting for some time.
Q2-FY26 · KVS Manian
I am not yet in the comfortable zone on MFI. I do not know how that plays. After we get a comfort on that side, we can consider on revising our guidance.
Q3-FY24 · Souvik Roy
This quarter, we achieved a historic milestone with our first-ever four-digit profit number, reaching an impressive INR 1,007 crore.
Q3-FY24 · Shyam Srinivasan
I am particularly pleased that we did get to that four-digit number. Having been a fair amount of years on this job, at some stage many years ago, this looked like a dream.
Q3-FY24 · Shyam Srinivasan
We don't want to get spooked by NIM by itself. We want to make sure that we are on course delivering our ROA on trajectory.
Q3-FY25 · K.V.S. Manian
We are keeping the plane flying while refueling it mid-air.
Q3-FY25 · K.V.S. Manian
Fishermen repair their nets before they set sail. When the sea is too rough to sail, the smart ones don't wait; they get to work.
Q3-FY25 · K.V.S. Manian
Our intention is to get back to a growth which is, I would say, a broad number of one and a half times the system growth.
Q3-FY26 · Shyam Srinivasan
Our attempt is to keep working towards growing the mid-yield book faster than the high-yield book.
Q3-FY26 · Krishnan Subramanian Manian
We are beginning to see the benefits of stronger liability franchise and a calibrated shift in our asset mix towards segments that offer superior risk-adjusted returns.
Q3-FY26 · Krishnan Subramanian Manian
Our focus is deliberate consistency over volatility, quality over headline growth.
Q4-FY24 · Shyam Srinivasan
We are very clear that we will do business from segments that we can manage well, and our credit costs have held admirably because of that.
Q4-FY24 · Shyam Srinivasan
I've said this for 14 years, and I'll say it for the remaining five months.
Q4-FY24 · Shalini Warrier
We will be going back to RBI and presenting our plan, indicating where the corrections have been made. If all goes well, RBI should be able to allow us to resume.
Q4-FY25 · Venkatraman Venkateswaran
We crossed a major milestone of INR 5,18,000 crore business, and our net profit entered the league of INR 4,000 crore+.
Q4-FY25 · Krishnan Venkat Subramanian Manian
Our objective is to try and minimize the impact, but it is difficult to yet give you a guidance for the year on where the NIM will be.
Q4-FY25 · Krishnan Venkat Subramanian Manian
We have not shown dramatic savings out of the operating cost; we have not guided a significant downward trajectory on the operating cost.
Q4-FY26 · Manian
Our Q4 performance reflects a strong operational quarter with outcomes that are consistent with the direction we have articulated throughout the year.
Q4-FY26 · Manian
We have consciously reduced our reliance on high-value deposits which has contributed to a more stable and cost-efficient funding base.
Q4-FY26 · Venut
Both on NIM as well as on ROA, we are back to our pre-rate cut cycle levels. And those were at the peak of the cycle and what we have now are at the bottom of the cycle.