Questions across 3 calls

Ashok Ajmera

Ajcon

Punjab National Bank

Punjab National Bank CC-May26.pdf · 2026-05-05

Thanks for giving this opportunity. Compliments to Ashok Chandraji and the entire team of the Punjab National Bank for achieving most of the, I mean, parameters, guidance on the main, most of the parameters and especially very heartening to note that the credit growth for FY '26 has been 12.7%, wh ich is better than even the guidance which was given. And everybody was apprehensive about that, which you achieved. Very good. Even reasonably good deposit growth also and good business growth also. Having said that, sir, I have got a couple of data points and some discussions, some comments of yours on a few points. So if you look at the slippages in this quarter, the slippages in this quarter has gone up a little bit higher by almost about INR800 crores and SMA-2 numbers have come down from INR1,800 crores to INR450 crores, in which measure is MSME and Agri, which has come down. So does it mean that many of these accounts have slipped because you have given only SMA-2 numbers. We would like to also know the overall color on the SMA book because of the present situation and also about the slippages, sir? This is the first question, sir.

Yes sir. Point well taken sir, and you explained it very well. Sir, just now ECL guidelines have been finalized by RBI. So we have been talking about it for last 4 to 6 quarters about the preparedness of the bank, every bank on the ECL. So now the guidelines having come out in full and final, where do we stand to take care of the additional provisions which will be required? Like you already said that you have got a floating provision additional of INR2,045 crores. Is it to take care of the ECL provisions only? How are we prepared and how do we plan to take care of that, sir, in the coming years?

Punjab National Bank CC-Mar25.pdf · 2025-05-07

Good afternoon, sir. And congrats to Ashok Chandraji and the entire team of PNB . You are firing on all the cylinders because the business growth is phenomenal. 14 % looking at if you compare with the other banks and especially the credit and deposit growth, of course, which has led to the higher business growth. Your deposits are 14.4%, which is I think growth is one of the highest. And, even the credit growth also is 13.6%. Though in this quarter, it is only 0.6 %. On the whole, fantastic performance on all this. Now having said, most of the public sector banks also, including even State Bank, has also declared the result. And everywhere we have seen that there may be, first of all, they have moderated their targets for the credit. Like a Bank like, largest Bank has also reduced the credit target from 14 %-16% to now 12% in FY'26 which are going very strong. So going forward, sir, for FY'26 and especially in this quarter, which is going to be a, I mean, a lean quarter, even just now we finished Bank of Baroda analyst call also in the morning. So there seems to be some pressure, especially in this quarter, also the current quarter. So, sir, going forward, where do we stand in PNB because excellent performance and I think all past legacy, all negative things have gone and the Bank has started performing very well on all fronts. So this is the first question, sir, that how do you see going forward the business growth, deposit, credit growth, and from where it is going to come?

Point well taken, sir. Sir, you are the master of recovery, especially in one of the, I mean, you are a parent Bank, you did excellently, I mean, performed. So, on recovery front, sir, now recovery, normal recovery, and recovery from return of accounts. Would you like to give some color on that for FY'26 and especially in the coming one or two quarters? And, coupled with the decision of the Supreme Court on Bhushan Power and Steel, how do you see it affecting those recoveries which have already taken place? And where do we stand on that?

Central Bank of India

Central Bank of India CC-Jan26.pdf · 2026-01-16

Congratulations to Kalyan Kumar ji Saab and, of course, other EDs, the entire management team, and the staff of Central Bank of India for a very good quarter. Sir, after having come in this Bank, you may not be knowing that in earlier 3-4 quarters, I had the concern on the advances growth, credit growth, which was almost muted if you look at the first two quarters. But in this one quarter itself, the credit growth is 10.24%, which is definitely commendable and leading to the operating profit of INR 2,292 crore. So, heads off to you.

Yes, no, that is year-on-year. I am talking about nine months.