Questions across 27 calls

Chintan Shah

ICICI Securities

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Mar24.pdf · 2024-05-13

Congratulations on very good set of numbers, 1.7% ROA. Sir, just I had one question on the loan rundown. So basically, we are letting go some low -yielding advances in the corporate. So is that now done? Or do we expect some another advances, probably which we could let go in FY '25 with a low yielding? Or some wea k asset, as we told around INR1,600 crores of loan we have let go for this year. So any ballpark number. Or is there any still thing in the pipeline? Or now we are done with this?

Sure sir, sure. This is very helpful. And sir, secondly, just follow -up on this. So the weak accounts, as we said, so what makes us believe that this account is weak. So how do we arrive at that comment of weakening. INR200 crores, I think, we let go because they were weak accounts. So basically, some stress or some delays in payments or how do we quantify that?

Karur Vysya Bank Limited CC-Dec23.pdf · 2024-01-22

First of all, sir, congratulations on a good set of numbers, strong margins, so led by one -offs. So but first, I had a question on the personal loans. So sir, our personal loans portfolio, sir, now stands around INR13 billion. So it has kind of more than doubled in the last 1 year and almost 60%, 70% has jumped Q-o-Q. And I think I remember, I think we had told in the previous cal l that we don't have strong corporate salary accounts, and so growing personal loans could be a bit challenging. So -- but we were resorting to co -lending for growing the personal loan book. So just want to understand the strategy so how has this is working? So is there any reason for such stupendous growth there? And any thoughts -- means, would that be able to sustain or not? And how are the yields we are compared to the other products? Yes, that would be the first question.

sir. So just one follow -up on that. So I understand, so the tenure for these loans would be less than six months. As you told, there would be a rundown in March.

The Jammu & Kashmir Bank Limited

The Jammu & Kashmir Bank Limited CC-Mar24.pdf · 2024-05-06

Sir, just one question from my end. On the ECL provisioning, sir, we believe we will have to migrate to the ECL provisioning norms in probably a year or two. So , what would be our total provision on our books? Total provision, what we have standard of floa ting, restructuring, et cetera. The total provision , which we have on our books, what would be that number, if you could share?

So, in terms of the ECL implementation, we won't b e having any knee -jerk reaction on the provision side. So, despite having almost nil credit cost for FY '24 and even the same expectation for FY '25.

Yes Bank Limited

Yes Bank Limited CC-Mar24.pdf · 2024-04-29

Sir, I just had a question on LDR. So, our LDR is around 85% now, which is almost at 5-6 year low. Even prior to the reconstruction, we had an LDR which was higher than the current one. So, any qualitative comments on how could the LDR move from the current level? Even in the last quarter, I think we mentioned that we are comfortable with LDR around 90%. So, first question is on that.

So, in that case, if we are seeing surplus deposit inflow, then would we like to cut any of our deposit rates on the SA side or on the TD side? Would that be a case?

Yes Bank Limited CC-Dec23.pdf · 2024-01-29

So, sir firstly on these unsecured fees , that we are seeing a kind of some high slippages in the retail segment. So, as you clearly mentioned that is largely from the new-to-credit customer and not from the existing customer base. So, usually means just wanted to understand the underwriting which we are doing so that there is no concern on that on the CIBIL score or on the based on the past track record of your underwriting. So, that should be okay and only this is from the new-to-credit where the stress is coming up. Is that a fair assumption?

And sir usually the FOIR for this below 30 k customers would be where there is some stress. So, what will be the FOIR for that 40%, 50% or even more than that?

Yes Bank Limited CC-Sep23.pdf · 2023-10-23

Hi, Sir. Thank you for the opportunity. Firstly, my question is on the corporate. Corporate growth has been kind of slow. It has been degrowing. So, what would be your strategy on the corporate growth going forward. Since we are also kind of slowing down a bit on the retail? And also are we getting cautious or getting s lowing on the corporate or what is the plan there?

One more thing. In terms of the PPOP, so our PPOP currently like kind of static around 800 Crores odd. So means what are the potential I think you also spoke on the margin s, we are likely to improve somewhat from here and then cost to income is expected to decline. So any guidance you would like to give us on what could be the PPOP to assets in the medium- term?

City Union Bank Limited

City Union Bank Limited CC-Dec23.pdf · 2024-02-01

Thank you for the opportunity. First question on the grown guidance. So if we look for FY'25, so like you mentioned, we are seeing a growth of 1%, now around 1% a month. So FY'21, can we assume a growth rate in double with like around 12% or 15% odd. Is that a reasonable assumption FY'25?

Sure. So just to add on that, if we assume like 15% loan growth for '25, so correspondingly, we would also need a similar kind of deposit growth, right, to meet the demand, room growth demand. So -- and currently, for this year, our deposit growth is roughly around flat on a YTD basis. And despite that, the cost of deposits they have seen a massive spike. So how do we make sure we'll be able to raise even deposits of around 15% of Y-o-Y growth and the cost of deposits how would that be impacted then would that also see a spike continuing? Or will that be stable? Any thoughts on that?