Stockrabit · Analysts
Questions across 2 calls

Himanshu Taluja

Aditya Birla Mutual Fund

SBFC Finance Limited

SBFC Finance Limited CC-Jun24.pdf · 2024-07-29
Sure. Thanks a lot for the opportunity. Just a couple of questions. I actually initially missed your comment, so probably I may be repeating. Sir, when we see the collection efficiency dip in the quarter and some bit of surge in the 1+ and the GNPA ratio trend, is there anything to read or is it just a first quarter phenomena which has happened and probably things will revert to normalization in the second quarter? So what is your thoughts around this? And the second part of the question, is there any signs of deterioration in the ticket size which you are operating from an industry practice in the secured MSME? And is there a need to tighten the risk model or the credit underwriting model further on thi s now, given some signs of normalization is also happening from an asset quality? And if you tighten anything, is there a risk to growth? Probably what you are guiding of 6%-8% Q-o-Q growth, probably that is a trend which you wanted to see over the next couple of years. Is there any change to that?
Sir, just last two questions. If your credit cost guidance of 1% which you wanted to hold for a long period of time, is that still on hold? And the second is, according to your model, basically, when do you expect to reach around a 14%-15% closer ROE and the levers to attain the same?

Bank of Maharashtra

Bank of Maharashtra CC-Sep23.pdf · 2023-10-16
Yes. Hi, sir. Congratulations for a healthy set of the numbers. Just a few questions at my end. Sir, probably, if I do recollect, as you ment ioned in the past one or two calls -- in the past con call that your total ECL provisions might -- requirement could be around INR 2,500 crore. And possibly, if I do agree that you hold excess provisions of INR 1,725 crore. Is that right way look at?
Fair. Second is, sir, on your margins. We have seen -- because our general expectation is that, we may do see a margin decline in this quarter, but your yield on advances has actually been raised by 31 basis points. Can you ju st explain what triggered this rise in yield on advances by a 31-basis point in this quarter?