Questions across 6 calls

Harsh Modi

JP Morgan

Yes Bank Limited

Yes Bank Limited CC-Oct25.pdf · 2025-10-18

The question is more regarding the focus of your larger shareholder now, SMBC, over, let's say, next two-year period. One, you articulated the 1% ROA target. Could you get into some details of how would you reach that target? What are the main levers over next 12-18 months? And what is additional that SMBC is bringing to the table here?

Just one follow-up. The LCR is down 10 percentage point Q -o-Q, but I did not see any impact on NIM. Is there something technical there? Because I would have expected a much better outcome on NIM with lower LCR.

IndusInd Bank Limited

IndusInd Bank Limited CC-Sep25.pdf · 2025-10-18

Hi. Rajiv, thanks. The question here I guess that Mahrukh also asked is kind of how do we think about is this the worst or we should brace ourselves for at least a couple more quarters of really tough numbers? And how do we start forming any views for FY27 given the scale of challenges? I know you said you will have some detailed comments later on, but anything that you can help us with would be great? Thank you.

Right. Can I ask a question slightly in a different way? If I think about, let us say, the costs as well as the write -offs, from my understanding of what Viral said right now, it seems there is a lot more to go in terms of write-offs. And even if we are at 70% PCR, there is a possibility that the Bank may remain close to very limited profitability if at all for the rest of the year. Is that a fair assumption, given the scale of problem that you still need to manage and would rather try to clean it up in FY26 rather than push it out to FY27?

IndusInd Bank Limited CC-Jun25.pdf ·

Hi, I had two questions. First is, if you had, let's say, enough operating profits, what is the stock of NPLs that you would have written off if it was possible? And I have a follow up.

Thank you. One more. Are you targeting a particular PAT or P BT, profit before tax number, in a bid to, as in, what is adequate PPOP and when, if I do write off 50, 60 odd basis point, is there a particular profit number, particular return number that you are targeting? I just want to understand how should I think about the timing of this 50, 60 basis point write-off for the next few quarters? Thank you.

HDFC Asset Management Company Limited

HDFC Asset Management Company Limited CC-Oct25.pdf · 2025-10-15

Thanks for this. The question is more regarding the market share over next let us say 12 to 18 months. Fantastic traction over the last three years, as you said, across assets, across customers. How does that extend, let us say over 12 to 18 months purely on market share? If you could break it up between equity and the fixed income and liquid portfolio, that would be great? Thank you.

Punjab National Bank

Punjab National Bank CC-Aug25.pdf · 2025-07-30

Yes. Hi. How would you characterize the impact of change in PSL norms on your Bank's earnings, and how do you expect that going forward?

Yes. And the expectations of further changes, there are some proposals.

Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited CC-Jun25.pdf · 2025-07-26

Yes, thanks. My question is just on asset quality. To what extent does it appear concerted slowdown across multiple places, as well as some degree of unwinding of the microfinance book? How much more of stress do you think it shows up? Does it show up only in second quarter? Or you think it continues over second half of the year? Thank you.

Thanks. I just wanted to dig in a bit more on that. Once the guy knows that the bank is kind of in a runoff mode in microfinance, does the willing ness to pay back go es for a toss and when do you end up seeing a much higher probability of loss? And also on MSME, one of the smaller or for example large players, said that economic growth is a univariate variant which has a significant impact on ability and willingness to service debt in MSME segment, especially for the smaller guys. Is that something, you said you're not seeing a lot there. I think Shanti said that. But is there something there where there's any early warning signs? Thank you.