Stockrabit · Analysts
Questions across 28 calls

Ashlesh Sonje

Kotak Securities

Bank of Maharashtra

Bank of Maharashtra CC-Jul26.pdf · 2026-07-10
Sir, first question is on the ECLGS scheme. If you can share what is the amount of sanctions and disbursements we have done so far? And if you can also highlight if there is any specific product segment or borrower segment, which is showing more interest in the scheme?
Understood sir. Sir, second one is on the FCNR deposit scheme. If you can share what is the progress so far? And if you can also give some qualitative color on what are the processes, approvals, partnerships that are needed for mobilizing these projects?

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Apr26.pdf · 2026-04-27
Hi team, Good evening. First question is on deposits. So there is good progress on CASA deposits, especially on CA in FY26. The question is on cost of funds. I understand that there will be intermittent pushes and pulls from the rate cycle and competition. But through the cycle, do you have an internal target of where this cost of funds should be, let’s say relative to the banks with the lowest cost of funds after you get the universal banking license? That is one. Along with that, if you can also share the amount of retail deposits on the balance sheet as on March 26?
Amount of retail term deposit as on March?
AU Small Finance Bank Limited CC-Mar25.pdf · 2025-04-22
Sir, first question is on asset quality. Last quarter, I remember you had indicated some elevated slippages in the small transporter segment within vehicle finance, especially in SCV and LCV. Wanted to check with you how is the situation there in that portfolio as of now? And secondly, if you can share some color on collections in the microfinance portfolio in the month of April. Whether that 99.2% number in March has gone down to, let's say, 96%, 97% or it is still holding up, let's say, around above 98%.
Okay thank you. Sir, if I can just squeeze in one more question. On the SA Rate book, can you just break out what proportion of the SA book is with depositors who have balances below 1 lakh -- below 3 lakh, below 5 lakh? If you can do that.
AU Small Finance Bank Limited CC-Jun24.pdf · 2024-07-25
A couple of questions from my side. Firstly, on the outlook for cost of funds. You have guided for a 35 to 40 basis points increase in cost of funds for FY'25 over FY'24, which means your expectation is that it will be around 7 .15% to 7.20% for the full year, whereas you're currently running around 7%. What makes you think it will go up by that much over the rest of the year?
Okay. Understood. Sir, secondly, if I look at your NPA ratios in select segments, they seem to have inched up a bit on a sequential basis, like PL is up 70 basis points. Even in the MBL book, it has inched up by around 60 basis points Q-o-Q. Can you elaborate a bit on this increase what is driving it?

Union Bank of India

Punjab National Bank

Punjab National Bank CC-Jan26.pdf · 2026-01-19
Hi sir, good afternoon. A few clarifications, firstly from my side. Can you explain why the tax rate was a bit lower at 19%? That is one. Secondly, this INR9,000 crores to INR10,000 crores ECL impact which you quoted, is that the provision shortfall? Or is that the post-tax impact on capital? And thirdly, your -- the progress on PSL compliance seems to be quite good over the past few quarters. Do you expect to purchase any PSL certificates in the next year?
Tax rate and ECL impact.
Punjab National Bank CC-Oct25.pdf · 2025-10-18
Sir, I have a few questions. I hope I'm audible. I'm just listing out the questions for you upfront. Firstly, if you can share your assessment of the expected impact from the ECL transition? Secondly, if you can share the SMA -1 and SMA-2 book overall? Thirdly, if you can elaborate on the large provision -- NPA provision reversal, which you had and why have you added to the buffer of other provisions? Then fourth one, your guidance. Just wanted clarity on the guidance which you have given for ROA. Did you say 1.1% for FY '26 because your first half ROA is about 80 basis points. And lastly, on AS 15 provisions that has declined nic ely this quarter. Do you think you are well - provided there on AS 15? And what is the expected run rate going forward?
Thank you, sir, for the elaborate response. If I may, just a couple of clarifications on those points. Firstly, there was a large other provision which you have made in the P&L line. So some clarity on that one. Secondly, the ECL impact which you said 75 to 80 basis points on CRAR, would you absorb it upfront, let's say, on the 1st of April through P&L? Because I understand there is a 4-year window available for the capital impact, but the P&L impact would it come through immediately on the 1st of April '27?

Central Bank of India

Indian Overseas Bank

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Mar25.pdf · 2025-05-16
Good evening. A few questions from my side. Firstly, can you share the ex-bucket collection efficiency number for months of April and May thus far? I believe we have disclosed a number of about 99.3 -99.4% overall for the month of March. So that is one. Secondly, in your understanding, why are you not so worried about incremental drop-off after the implementation of the 3-lender cap in April, because even now about 9 % of your loan book is exposed to that set of borrowers. That's the second one. And lastly, more qualitative, when we speak to industry participants, we understand that there is a general challenge of uniquely identifying borrowers, because different lenders tend to use different KYC documents. Additionally, it also seems like the credit bureau is not allowed to store or share the other number of the borrower. So where are you and where is the industry in general today on solving that issue? Thanks. Those are all the questions.
Sorry to interrupt you. Hello. Sir, this question was more around worrying about delinquencies because you won't be able to lend to some of these borrowers.

REC Limited

RBL Bank Limited

IIFL Finance Limited