Stockrabit · Analysts
Questions across 55 calls

Jai Mundhra

ICICI Securities

City Union Bank Limited

City Union Bank Limited CC-Mar25.pdf · 2025-05-02
Yes. Hi, sir, good evening and congratulations, sir on the results. Sir, I have few questions. So first is, in this quarter, we had cut SA rate during the quarter, but still the cost of deposits has gone up. Was there any deposits repricing which led to higher cost of deposit and is it safe to say that the cost of deposits now has peaked because you have cut the SA rate and TD rate also and there is no more repricing disadvantage there?
Right. And there is no, even if the TD were to reprice, there will not be any, you will gain to benefit only, right even if any maturity TD were to reprice, it will be repricing downwards only?

The Federal Bank Limited

The Federal Bank Limited CC-Dec24.pdf · 2025-01-28
Good morning. And congratulations on a steady quarter. In your opening remarks, you mentioned about auto loans, you have changed from floating to fixed . I believe there could be some other products, also maybe gold and maybe business banking, maybe some other products, where you can sort of, if you want to, you can change this. Any update on, you know, this floating to fixed thing, is this completed bank level or there will be some other portfolio where you wanted to do this.
So, while you reorient the portfolio and the loan portfolio and at the same time, of course, there are few products related, not otherwise able to grow all out. Your sense on the overall loan growth, would it be when so far we were, a growth leade r, if we want to look at across most of the banks, how would this status change, would it be okay growing similar to system level or maybe a certain percentage points over system level, while you keep doing this reorientation?
The Federal Bank Limited CC-Jun24.pdf · 2024-07-24
Yes, hi. Good evening and congratulations, Shyam, for a very long and satisfying career. Thanks for all your wisdom and insights shared. I have a few questions, sir. First on, I mean, the previous participant also asked on the deposit growth, which -- so you have been industry-leading so far on both Y-o-Y and Q-o-Q basis on the deposit growth. At the same time, your cost of deposit has also seemed to have declined, right, Q-o-Q. Now, in the previous quarter, you know, SBI and maybe some other large private banks, they had raised their TD rates, minor upwards. With your expectations of continued healthy deposit growth, would you believe that your -- you need not tinker with your rate and your cost of deposit is broadly flattened at your end.
Right. And sir, if you can call out your LCR -- average LCR for the quarter? And in your view, what kind of changes could there be in the LCR framework if RBI were to strengthen it, maybe in terms of run-off rates or it could be something else?

IDFC First Bank Limited

IDFC First Bank Limited CC-Dec24.pdf · 2025-01-25
Thanks for additional disclosures on slippages, MFI and a lot many things. Sir, first question is on MFI only. So outstanding book is around INR10,900 crores, that is the MFI book. But I wanted to check, is there any other loans that we offer to this customer, maybe 2-wheeler, maybe small auto loan or any other PL loan or that these customers get only MFI loans from us?
Okay. So the second question is, sir, just to get this correct, you have mentioned that you have a conservative provisioning policy and you have not utilized any contingent, right? So as against the SMA-1 plus SMA-2 outstanding of roughly around INR500-odd crores, as of now, we still have INR300 crores provisioning that we had at the end of the Q2, right? That is the right understanding.

RBL Bank Limited

RBL Bank Limited CC-Mar25.pdf · 2025-04-25
Thanks for the elaborate opening commentary. I have first a few -- just to get the doubts clear. I just wanted to check that you mentioned that we have utilized the contingent provisions that we were carrying against earlier in card as well as JLG book. That is right, right? I mean so now we are left with the...
Yes, sure. And secondly, you said that the savings rate cut effective 1st May, that would bring down your savings rate -- blended savings rate from around 6.4% to 5.6%.
RBL Bank Limited CC-Dec24.pdf · 2025-01-18
Sir, wanted to check on one thing of our 10 million-plus JLG customers, there would be a certain amount of non-MFI retail loans as well, right? If you can ballpark say, do we offer non JLG non- MFI loans to these customers or we don't? Industry data suggests that there is some INR1.5 lakh crores of non-MFI retail loans available to JLG customer. What is our practice? And what could be that quantum, ballpark?
Okay. So we don't offer any 2 -wheeler or affordable housing or gold loan, etcetera, to these customers, right, as of now?

Bank of Maharashtra

Bank of Maharashtra CC-Mar25.pdf · 2025-04-25
Hi sir. I have two questions. First, in the growth that you mentioned, you also said that you have strengthened the assurance function. I wanted to check this growth, is t his 100% delivered by branches or do you have some tie up with the DSA or loan originator or is this growth entirely done by the branches itself?
Sir, what is the outstanding of this pool buyout, which has declined just to get a sense out of your INR2.36 lakh crore loan book, how much is the outstanding pool buyout?

Yes Bank Limited

Yes Bank Limited CC-Mar25.pdf · 2025-04-19
Hi sir , good evening Thanks for the opportunity. Sir, first question just on this continuation of this Net Interest Margin. So if you can quantify the s hare of maybe the Fixed Rate book and EBLR and maybe MCLR-linked loans? And what would be the blended cost of Savings Account as of March '25?
Right. And how do you look at Savings Rate? I think as of now, you are still offering 7% plus on balances above INR10 lakhs. A lot of peers have cut the Savings Rate up to INR 50 lakhs and above INR 50 lakhs balance. And your Savings growth so far has been superior. How do you see the Savings Rate that you offer right now? Is there any further scope to cut or you would like to see behavior of this cut at least in the medium term and then would like to have a relook?
Yes Bank Limited CC-Sep24.pdf · 2024-10-26
Sir, in the BSE release Point 15, in Sub-part 2, that gives the security value realizable bifurcation, right? That shows that there are few security receipts, which have a value of more than 100% and then up to 150%. How to read this number? I mean the outstanding value of SR is INR 843 crores, which is your book value. But is there any mathematical way to understand what could be the potential recovery in absolute amount from this book? Or that is not really too much information there?
Sure. Secondly, I mean, you've mentioned that in the waterfall, CET waterfall, that 10 basis point reduction is because of MFI and others. I believe the MFI number, right, I mean, I think you have given of INR 1 lakh crores of retail assets, retail loans. MFI is 2% only, right? I mean the IBG number, so is only maybe INR 2,000 crore s roughly, MFI exposure. Is that the right understanding? Or there is more to it, which is causing the 10-basis point decline?

IndusInd Bank Limited

Punjab National Bank

Bandhan Bank Limited

Bandhan Bank Limited CC-Sep24.pdf · 2024-10-25
Congratulations on decent number. I have a couple of questions. First is, so how do you look at the disbursement in MFI going forward? I mean it has been coming down and maybe the first half is usually a bit weaker. But as we go into October and fes tive season, how do you look at the disbursement in the MFI in the near term?
And sir, on asset quality, I mean if I look at the slippages for this quarter for MFI that you mentioned at around 700 plus, this turns out to be around 5% on an annualized basis. Is there any difference in individual and group delinquency or you would believe that bo th are more or less operating in the similar band within MFI?

Union Bank of India

Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited CC-Sep24.pdf · 2024-10-19
Sir, on this StanC transaction, what is the price that we are paying? I hope because there is a bit of a risk or the rising stress in the personal loan portfolio. Are we paying at par or is this subpar and are there any risk mitigants in case the delinquency turns out to be higher than maybe the current level. The public disclosure says that their retail GNPA is 2.6% which is at the retail level itself Rs. 20,000 crore, not the personal loan portfolio. So, would you like to get your comments there?

Axis Bank Limited

Axis Bank Limited CC-Sep24.pdf · 2024-10-17
Yes, hi. Thanks for the opportunity. Sir only one question. On the retail slippages, right, if I were to calculate the retail slippages as a percentage of loans, it could come out let's say, 2.7%, 2.9% in the last two quarters. Considering the way you said that, you keep focusing on the risk adjusted growth and risk adjusted returns, and there have been a little bit rise in the slippages in this -- in the retail portfolio, driven by maybe unsecured. Fair to say that this 2.7%, 2.8% slippages may sustain in the near-term, even if it does not go on because the loan mix is still in favouring of the unsecured book at the moment, so just want to get some sense there?
Thank you and all the very best.

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Jun24.pdf · 2024-07-18
Sir, few questions , first is sir, on yield on advances, right, so we had increased MCLR at the beginning of the quarter. And I think we had also revised repo rate link by 5 basis points, in this quarter, corporate book has actually degrown, still the yield on advances rise is only 2 basis points and I think in your opening remarks you mentioned that it could rise by another 5 basis point. So, just wanted to check, ideally the yield on advances should have risen a little bit more. So, I was hoping if you can provide some clarity there?
And secondly, sir there is a sharp growth in the jewel loans and retail segment, right. We have been looking to increase growth in gold loan in retail category, but this 24% Q-o-Q growth, is there any specific reason, have we introduced a new product or new geography or what is giving such kind of a growth especially in this quarter?