New Delhi, July 22 -- IndusInd Bank aims to end the current financial year with a 1% return on assets (RoA) on the back of lower expenses, growth in retail loans and liabilities, and AI-led operational efficiencies, managing director and chief executive Rajiv Anand said during the bank's post-earnings call on Wednesday.

Anand, who took over as head of the bank on 25 August 2025, replacing Sumant Kathpalia, said balance-sheet recalibration over the past year has led to improvements in the bank's deposits, asset quality, profitability and capital position.

"We have been saying that we will grow in line with the market and look to deliver 1% exit ROA in FY27. We stand by that," Anand said. RoA for the reporting quarter was 0.78%, 32 basis ...