Stockrabit · Analysts
Questions across 6 calls

Bunty Chawla

IDBI Capital

City Union Bank Limited

City Union Bank Limited CC-Mar25.pdf · 2025-05-02
Thank you, sir. Thank you for giving me the opportunity and congrats on a good set of number. As you earlier in FY '25, you have guided for the slippages of Rs. 800 crore and net slippages will be negative. So if you can share similar outlook for FY '26, this net slippages negative will continue for FY '26 and how will the slippages number or slippage ratio will be in FY '26?
Secondly, sir, as you said, the margins will be in the range of (+5) to 10 bps, 3.5-3.7 and cost to income ratio will be around 40%-50% kind of a thing. So any chances of improvement in ROA or we are still going with stability in the ROA at 1.5% for FY '26. That is it for my side?

Aavas Financiers Limited

Aavas Financiers Limited CC-Dec24.pdf · 2025-01-30
Congrats on a good set of numbers. So, during this quarter, we have seen there is an inch up in the cost of borrowings. Although you have shared that we have raised the Rs. 600 crores from IFC at a competitive rate, which I believe it should be lower than the borrowings at the book level for you. So, what is the reason behind increasing the cost of borrowings? What we have observed that, there has been a minimal or no MCLR hike from the banks as such during this quarter. So then also there has been an increase in the cost of borrowing during this quarter. And how should shape up this cost during next quarter and FY26?
That's very helpful, sir. And previously, you said because of the rate cut, we will be getting benefit. Any rough sense, if there is a 50-bps rate cut, what kind of positive impact we have on the spreads or the margins? Any rough cut?

Muthoot Finance Limited

Muthoot Finance Limited CC-Jun24.pdf · 2024-08-13
Thank you, sir. Thank you for giving me the opportunity and congrats on a good set of numbers. Sir, on the Slide 51, as we have seen operational efficiency, in fact, this quarter was the one of the best quarters in terms of sequential growth in the AUM, bu t still cost to assets or you say operating expense to average loan assets still going inching up in Q1 itself. Is there any one-off in operating expenses or how one should see this number going?
No, no, I was saying that if you have an operational efficiency number, which has inched up from 4.1% to 4.24%. So though there has been an increase in the AUM growth sequentially, but still operating expenses has increased. So any one-off or this number, how should see?

Cholamandalam Investment and Finance Company Limited

Manappuram Finance Limited

The Jammu & Kashmir Bank Limited

The Jammu & Kashmir Bank Limited CC-Sep23.pdf · 2023-10-23
Thank you, Sir. Thank you for giving the opportunity. Just a small question on the restructure assets. Though restructured assets are coming at a slightly lower pace last quarter was 980 Crores and currently it is 910 Crores so how one should see this book moving ahead and is there any moratorium left or it is completely out of the moratorium and on the provisioning part, it seems to be slightly on the lower side it is just 68 Crores. We are holding the provision against 900 Crores any view on that? Shujaat Andrabi Residual book is behaving very constructively and there are no concerns on this. You must have seen there was no down regulation. There was just around the region of 13 Crores during the last quarter against 79 Crores in the corresponding quarter of the last financial year so it is coming down and in Q3, I assure you, you will see significant reduction in the restructured portfolio and there is no concern . This 68 Crores is without considering the DIIP which we are maintaining another for standard portfolio, which is around 55 Crores for that so we are adequately for that . The NPA are almost provided for to the extent of 80% in that.
Thank you Sir.