Questions across 4 calls

Anurag Mantry

Oxbow

Aavas Financiers Limited

Aavas Financiers Limited CC-Jun24.pdf · 2024-07-25

Yes, just two data keeping questions if you can quantify. You mentioned in the employee opex there was a onetime reversal, I think if I heard correctly because of ESOPs. If you can just quantify that number. And the other one on the data keeping again is in t he yield. I think you mentioned that there is some interest cost reversal because of two reasons. If you can just quantify both these numbers will be very useful.

No, so for this specific quarter, I'm just asking the absolute numbers. So, I think in opex you mentioned that there was a onetime reversal in the employee cost because I think some reversal if I heard correctly.

Union Bank of India

Union Bank of India CC-Jun24.pdf · 2024-07-20

So, two questions, one is on the credit cost. So, I think this quarter is celebrated as a percentage of the net loan which is about 1.26%. And I think your guidance in general has been about less than 1% for the year, so do you see that you ha d levers to resell less than 1% mark by the end of the year? That's number one. And the second question is regarding the ECL. In fact, if you can just quantify that amount and if you know the capital raise that you're planning of about Rs. 6000 crores, is that related to ECL impact at all? Avinash prabhu: Credit cost. What did you say? You said the impact is 73 basis points and then yes, we have given a guidance of less than 1%. So, yes, we're looking at sticking to that.

No, I think the credit cost analyzed number for this quarter is 1.26% on net loans, that's higher than the 1% that you've guided for is my understanding. So, just wanted to get a sense of what the levers could be to get that 1.26% down to 1% through the year and looking at the gross numbers? Avinash prabhu: Our credit cost is 73 basis points. We look at it from a standard advances point of view. So, that is what we are looking at in terms of guiding. So, we would look at keeping a control on that unless there's any one-off event but that is what we're guiding in terms of keeping it below 1%.

Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited CC-Mar24.pdf · 2024-05-02

Two questions. One is on the SBPL. So, if I heard correctly, I think you mentioned that the cost of this can probably inch up a bit and that it can be offset by OPEX. Just wanted to understand if you compare say your credit cost of, I think 60 bps in FY ‘24 versus say a Five Star, which is even the others large listed there in this case. I think their FY ‘24 credit cost is like 30 bps. So, just wanted to understand the comment of why do you think that this credit cost in this segment can inch up a bit? And if you can indicate any range, you think there it can inch up. And the second question is on the used credit side. So, over the last few years, a lot of players have basically been focusing on the use d segment post-COVID, including some of the larger banks. So, do you see that putting any pressure on the yields overall or do you think that the overall pie has expanded as you said SRTO….

SBI Life Insurance Company Limited

SBI Life Insurance Company Limited CC-Mar24.pdf · 2024-04-26

Just one question from my side. So there was total number of policies, the individual number of policies in FY '24 based on the IRDAI data has grown only 3% this year. This used to be like mid double digit last 2 years. So anything specific to under stand from this?