Affect of Low CASA and Excessive Borrowings Submit Merger, ETCFO
Margins underneath stress: NIM at 3.35%; CFO cites low CASA (34%) and excessive borrowings (13%) post-merger.Credit score vs deposits: Deposits up 16.4% YoY; credit score grew slower at 8.3%.Development outlook: Goals to match system development in FY26, outperform in FY27.Company lending: Selective strategy as a result of low yields, intense competitors.Department enlargement: Calibrated technique after…