Questions across 8 calls

Gaurav Kochar

Mirae Asset

LIC Housing Finance Limited

LIC Housing Finance Limited CC-Mar25.pdf · 2025-05-16

Sir, again, probably a little bit more on margins. So you called out that there has been a PLR reset of 25 basis points. And you also mentioned that the incremental cost of fund, which was 7.66% in Q4 has come down to 7.3%. So is it fair to believe or is it correct way to look at it that whatever benefit you get on your cost of funds, only that will be transmitted on the PLR. So let's say, if you take a call on the further PLR rate cuts that you'll be doing, that will be solely dependent on how much funding cost benefit you're getting. So in that scenario, if that is the case: one, in that scenario, what is the spread that you're looking at that you would like to maintain on a going -forward basis? Maybe -- if not quarterly, maybe from 1H and 2H, taking these 2 separately, where do you think your spreads would likely bottom out?

Yes. Any spread that you would like to maintain? Today, let's say, you're doing 2% spread, the difference between your yield and cost of funds. Would you like to say that probably maybe 1.90 or any number that you'd like to call out? You would like to maintain that kind of spread...

LIC Housing Finance Limited CC-Mar24.pdf · 2024-05-16

A few questions. Firstly, on the provisioning. If I look at Stage 1, Stage 2, Stage 3, this quarter, I observed that we have increased the cover on each of the three buckets. Going forward, as you alluded to earlier that you are satisfied with Stage 3 cover of 50% plus, and we are already there, and incrementally assuming the PD, LGD assumptions do not change materially for the other buckets and you're guiding for 40 basis points credit cost. Where will that come from is my question? Because if I read correctly, I mean, barring write - offs, the organic Stage 3 reductions, both in FY '23 and FY '24, were quite healthy. You had almost negligible net slippages in each of the 2 years. So going forwa rd, if the net slippage number is going to be broadly similar, where will the 40 basis point provision come from?

All right, all right.

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Sep24.pdf · 2024-10-25

Three questions from my side . Firstly, how much of this PAR 0 buildup that you have seen in September? How much of this would you attribute to, let's say, the late monsoon that we saw in floods in various areas? And you have also mentioned in one of the slides that there were floods and there were collection -related challenges. How much of that would you attribute ? And in sync with that, let's say, in October, has that PAR improved?

Yes, just in sync with this, let's say, the overall October collection efficiency front, has that improved over September so far, while there are still five more days?

Shriram Finance Limited

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

Hi. Good evening team. Congrats on the quarter. Three questions from my side. Firstly, I think it's less talked about, but I think you have done a fabulous job on the deposit franchise. I think even in this quarter there was a decent traction n et 3000 crore s kind of an accretion is commendable in the current context. So just wanted to understand some dynamics here. What is your sourcing mix? How much of it comes through branches? How much of it comes through the DSA? What is the overall sort of cost of acquisition? I am not talking about deposit cost. I am talking about cost of acquisition. You may be paying through agents, third party agents who might be sourcing it for you. Just wanted to understand some numbers around this?

Okay this 75 basis point is spread over the tenure of the deposit?

Shriram Finance Limited CC-Sep23.pdf · 2023-10-26

Sir, three questions from my side , firstly, on again margins, here I think the level of liquidity today is around Rs. 10,000 crore which is 6 .5% strictly of your borrowings, so going forward, do we expect a similar kind of liquidity now that we will maintain probably 6 %-6.5% of borrowings, which is essentially the 3-month liquidity cover?

And just on this LCR ratio, I think you reported 219 , last quarter it was 202 , so despite the liquidity coming down, the LCR has remained or in fact improved, is it largely because of lower outflows in the next 30 days, the weight is calculated?

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Sep23.pdf · 2023-10-27

Good evening. Three questions from my side. Firstly, you mentioned about RuPay cards. You said about 9% of your RuPay card base has enrolled for credit on UPI. So, I just wanted to understand, what would be the proportion of RuPay cards in your total cards? And if you can give, what would be your market share in RuPay cards?

Sure. And in terms of, let's say, right now, the enrolment is 9%, but have you identified set of customers who would be enrolling and by, let's say, year-end, can this number be 30%, 40% of the total card base? Do you see that as possible?

Bandhan Bank Limited

Bandhan Bank Limited CC-Sep23.pdf · 2023-10-18

A couple of questions. Firstly, if I look at the DPD movement and then you have given the vintage analysis, in that slide. So, while you have given the NPA on disbursement, can you also call out what would be the DPD? I mean I want to understand what would be the PAR book because generally, NPA would take 90 days. And even if I look at 4Q numbers, from there, we are already starting to see NPA in the second quarter itself. So just to give some context, do we have the DPD number, zero-plus or maybe 30-plus early delinquency from that disbursement?

No, not that, sir. I'm talking about the -- like you have mentioned NPA, in the next slide, quarter- by-quarter. So, let's say, you have given Q4 '23, the total disbursement was INR21,000 crores, of that INR120 crores return NPs and NPA as a percentage of disbursement is around 0.6. So rather than giving the NPA number, do you have a delinquency number, let's say, 30-plus? How much...

The Federal Bank Limited

The Federal Bank Limited CC-Sep23.pdf · 2023-10-16

Congrats on the quarter. I have three questions. Firstly, on margins. I think Shyam sir alluded to the movement in margins here too. I just wanted some sense on the cost of funds repricing. In this quarter, we have seen around 20 basis points kind of repricing. So is it done fully now? Or there is still some repricing on the cost of fund side, which is yet to come in the third quarter?

Sure. And just on the yield on advance bit, you pointed out that the higher interest-bearing assets are sort of seeing improved traction. And as a result of that, the yields have improved 14 basis points. So we'll be taking a step further. Let's say, the mix improves by 100 basis points. What is the delta we get on the margins? On one of the slides, you've disclosed that on a Y -o-Y basis, there has been a 300 basis point improvement in the yield on as sets or interest income coming from that asset. So I just wanted some context, for every 100 basis point kind of improvement in mix, what is the delta on margins?