City Union Bank Limited CC-Dec24.pdf · 2025-01-31
Sir, I have 2 questions. One is that let us say that in calendar year '25, we expect some rate cuts to happen. How will this impact on to your product pricing with respect to -- primarily on Q2 segments that you were MSME in agri, that is how we should consider that how the product pricing from City Union Bank will be communicated into the market and their impact on to the NIMs and cost of deposit. Now because you have kind of faced some problem with speculative deposits in the recent past, if the rates go down, do you see some more intensification of reactions or efforts to elect one year deposit? This is the first question, and I'll maybe ask the second question.
All right. And sir, as you said that you're kind of now focusing on expansion. However, on a quarter-over-quarter basis, the opex has remained flat. Now on one hand, your employee cost has gone down. On the other hand, your other opex has kind of risen up. So how should -- is there any operating leverage that we are missing? Or you can just throw some light on that?