"Key highlight of IndusInd Bank Ltd.'s analyst meet was that focus is on strong asset growth that would be funded by retail term deposit while underwriting has been tightened so as to keep stress formation controlled. \n\nIndusInd Bank's branch expansion and investments in technology may keep opex elevated, though pre-provision operating profit to loan ratio may surpass 5.5% (over planning cycle-six) from 5.3% in FY22. \n\nExpanding in home markets would be a key driver to business growth."