Questions across 6 calls

Bunty Chawla

IDBI

Manappuram Finance Limited

Manappuram Finance Limited CC-Sep24.pdf · 2024-11-05

Thank you, sir. Thank you for giving me the opportunity. As you said, there has been changes in the MFI portfolio, which you are expecting to be in the next 3 to 4 months. So, my question is, if we put the changes in the gold loan and now MFI portfolio all done in well by March, so on a long term basis or from FY '26 onwards, how these changes will impact our growth trajectory on an overall basis? And ROA, if you can share that on a longer term basis, how one should see the AUM growth as well as the ROA?

So, on an overall basis, can we say 12%, 15% growth on an overall basis, can we consider?

Manappuram Finance Limited CC-Jun24.pdf · 2024-08-13

First one on clarity. Sorry, I missed that. Gold loan group guidance, have you revised to 15% for the year -- for full year FY '25?

Okay. So for overall consolidated AUM growth guidance will be now?

Manappuram Finance Limited CC-Mar24.pdf · 2024-05-24

My questions have been answered just fine. So you have achieved around 18.7% AUM growth on a consolidation basis. What will be the cost FY '25 basis between AUM for gold loan and for the overall?

So, in overall basis you are saying gold loan percentage will improve.

Bank of Maharashtra

Bank of Maharashtra CC-Jun24.pdf · 2024-07-15

Congrats on a good set of numbers. As we have seen historically, the re has been a strong improvement in agricultural NPA, which has supported us in terms of credit cost and improvement in the ROE. Now the scenario of around farm loan waiver, which is happening , and specifically, if I talk about the Maharashtra state, there has been announcement from the government that there should not be any CIBIL score for the farm loans. So how one should see the impact of this agri NPA going forward and specifically credit costs and asset quality and ultimately, the ROE impact in next year and next to next year?

From the incremental basis, I agree and you have been focusing on the NPA on the agri side on the investment portfolio. But already, we have done lending to that . So have we taken car e in terms of 1% credit cost which you have guided for? Have you taken some bit of increase in NPA, which we are seeing in the agri portfolio?

Shriram Finance Limited

Shriram Finance Limited CC-Jun24.pdf · 2024-05-13

Thank you sir. Thank you for giving me the opportunity. In the opening remarks , as you said. There has been in fact. Incremental cost of funds has been lower. As compared to on the books. So what has resulted in 20% decline in sequential margins.

So my question was that. As we have seen. Incremental cost of borrowing coming down. So there should be improvement in the margins. But oppositely we have seen there is a decline in the margins. By 20 bits on a Q1 basis. So it's because there has been a decline in the yields. And what is the reason behind?

Cholamandalam Investment and Finance Company Limited

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

Most of the questions have been answered. Just one point. On the slide, you have given the margins improvement on a quarter -on-quarter basis, which is approximately 40 bps. So, if we see that has been given by the yield increment. Have we taken any price hike during the quarter or is it just due to the business mix change? If you can just throw some light on that?

So, can we say as previously we have shared that cost of funds seems to be peaked out and if there is no rate hike or stability in repo rate, there should be further improvement in the margin because incremental yield should go ahead because of the rate hike taken?