Questions across 2 calls

Harsh Shah

Reera Holdings

PNB Housing Finance Limited

PNB Housing Finance Limited CC-Mar25.pdf · 2025-04-28

Yes. Hi. Good evening, sir. Sir, my question is on the credit cost. So this year , we had around Rs. 160 crores of negative credit cost because of the recoveries and next year also , you are guiding that recovery could be higher than the credit cost. So my question is, this year we had almost 35 bps flow through to the ROA because of savings in the credit cost. But if I look at FY ‘27, we might end up at our usual 20 -25 bps kind of credit cost, so that means it would be a negative delta of almost 50 -60 bps in couple of years. Sir, my question is how will we recover that 50-60 bps of negative impact that our ROA will have from the credit cost? So currently, we are at 2.75 ROA which could go down to maybe 2.25-2.35 of this negative credit cost turning to credit cost expense?

That is what I wanted to hear. So you are working towards getting that NIM to above 4%-4.1% kind of a number?

Deepak Fertilizers and Petrochemicals Corporation Limited

Deepak Fertilizers and Petrochemicals Corporation Limited CC-Sep24.pdf · 2024-10-30

First question is on the technical grade ammonium nitrate part of the business , this quarter if I see the realization has been almost flattish on QOQ basis. So, just wanted to understand that have we not yet seen the benefits of higher ammonia prices flow through into our realization? That is one. And second is once we have our de -bottlenecking capacity operative, what kind of growth in terms of volume are we seeing? Because I remember last few quarters, we had seen a lot of imports coming from Russia. So, any update on that situation in terms of import supplies?

Another question was for the industrial chemical business , since we are expanding our nitric acid capacity, will this mostly be used for our captive consumption, or this will also be used for market sales?