Questions across 3 calls

Himanshu Taluja

Aditya Birla Sun Life AMC Limited

IndusInd Bank Limited

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

Hi, sir. Thanks for the opportunity. Just a couple of questions. Can you just comment around any other segments where you are not comfortable to grow? And apart from vehicle, what could be your core segment of growth? The second question, is there any further tightening or requirement towards increasing the provision coverage in any of the segments? Like this quarter, you took some higher provisioning on the MFI. How do we expect this provisioning tightening in the coming quarters as well? And thirdly, if you have done anything from your understanding, if you can put any lumpy fee which is still and where can come and you can take as a calibrated approach? Yes, that is all. These are the three questions at my end.

Sir, the last question is around the fees. Any lumpy fee which can be calibrated where you have done any understanding according to you? Is there any feature in the fee income which can take certain calibration further?

IDFC First Bank Limited

IDFC First Bank Limited CC-Jul25.pdf · 2025-07-26

Just a few questions at my end. Particularly on the opex front, given this year, we see most of the banks are showing improvement on the operating expenses growth because this is one lever where banks can play around. Can you help me understand over the medium term, not in FY '26, but in FY '27, '28, how do you expect the operating expenses growth versus your advances growth? And where do you expect the cost -income ratio to settle over the medium term? So that's my first question.

So, do you expect around 600 to 800 basis points is there, where you can have the opex growth lower than the advances growth? Is that the right understanding?

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Mar25.pdf · 2025-04-24

Sorry, I joined the call a bit late. There's another company. If you have already indicated, can you just repeat your comments since you have mentioned that slippages have improved, flow rates are showing improvement, Stage 2, there's an improvement in the Stage 2 numbers as well as well as some bit of the pace of write -offs is also showing, by when -- so how do you expect the credit cost to behave in the coming quarters? And second, by when do you expect you can reach a normalized credit cost between 6% to 7%? So that's my first question.

Yes.