The bank posted solid performance, supported by stable asset quality and improving digital engagement across customer segments. The management is *over or under performance to benchmark index focused on expanding the retail unsecured loan portfolio, scaling premium credit card offerings and driving efficiency via technology investments. Strategic initiatives such as deposit mobilisation, calibrated rural lending and risk-based microfinance underwriting are likely to support long-term stability as well. Although stress in the retail commercial vehicle segment may weigh on near-term performance, improving...