Questions across 3 calls

Himanshu Taluja

Aditya Birla Sun Life AMC

HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited CC-Jan26.pdf · 2026-01-15

Can you just help me calling out, given the initial expectation that our GST impact would be much higher than what is currently so far visible around 110 bps, and probably in 4th quarter, we would see even much lower impact. What are the levers playing out for you to have this better outcome? And second, can we say, given the next year, you want to start with a clean state , so probably strong likelihood of improving the margins and going back to our earlier trajectory of 25.5% to 26% VNB margin?

But can we say probably mostly either the product mix change towards protection, credit life, or either product level margins within the ULIP segment has improved because of going into the higher ticket? Apart from this, because you are also calling out that are some of the discussions undergoing with our large distributor and probably how has been those discussions? Are you able to do so far, any impact rationalization or not? Can you just help me out to understand?

City Union Bank Limited

City Union Bank Limited CC-Jun25.pdf · 2025-08-13

Sure, sir. Thanks a lot for the opportunity and congrats on a good set of the numbers. Sir, can you just throw some perspective on your MSME segment? Are you seeing any signs of stress in the segment and anything to read from a southern because we got to hear from some of the con calls that probably some of the southern states are showing some bit of the higher delinquency trends? Can you put some perspective around that? Would be very helpful.

Sure, sir. Thanks a lot. Thanks.

PNB Housing Finance Limited

PNB Housing Finance Limited CC-Dec24.pdf · 2025-01-21

Just one question at my end, if you can just give me the, maybe I am sorry if I am repeating the question, if you can just give the color of the corporate account which got slipped in Stage-2? Secondly, what is the principal outstanding on this, any provisions which you are holding in this because is a past corporate account and lastly, what is the comfort that you have that this account will again get upgraded in the coming quarter?

Any provisions which you are holding on this, any PCR which is there on this particular account?