Stockrabit · Analysts
Questions across 55 calls

Jai Mundhra

ICICI Securities

City Union Bank Limited

City Union Bank Limited CC-Jun24.pdf · 2024-06-24
Sir, two questions from my side. One is there was an RBI regulation that suggested that the banks now have to charge interest only from the period of disbursement and not from the date of sanction, have we implemented is there any impact in this quarter or maybe going into second quarter?
Secondly, sir, in terms of the new products that we had started under the leadership of Mr. Vijay, if you can just update, sir, sorry if this question was repeated, I had joined the call a little bit later, if you can highlight the progress there and by the end of the second quarter, should we start to see the book building up or how is the progress there?

The Federal Bank Limited

The Federal Bank Limited CC-Mar24.pdf · 2024-05-02
I have 2 questions. First, I think it was asked a little bit earlier on yield. So apart from the loan mix change and maybe the usual MCLR pricing, is there anything else which could help on the yield side? Maybe if there are few loans, which are hybrid or maybe which may convert from fixed to floating? Is there such meaningful quantum of such loans?
Right. And if you can highlight the loan mix by benchmark, I mean by MCLR, EBLR, fixed rate and beyond that.
The Federal Bank Limited CC-Sep23.pdf · 2023-10-16
I have three questions. First is, if you can give the loan mix by benchmark. I mean, Repo, EBLR, fixed rate book?
Sure. And sir, in this quarter, so the yields on advances have actually changed the trajectory. Earlier, they were moderating for the last 3 quarters. B ut this quarter, there has been a rise at around 14 basis points. Apart from newer loans, which are high yielding, are you also seeing benefits on either fixed rate book or NCLR or T-bills linked repo, or that benefit is not that much and the benefit is coming from high-yielding book?

Yes Bank Limited

Yes Bank Limited CC-Mar24.pdf · 2024-04-29
Good morning Sir, and thanks for the detailed presentation, to which you keep on adding relevant disclosures. I have two questions. First on recovery itself, so last year we had set out a target of INR 5,000 crore and we very well achieved that. In your assessment , how should one look at recovery quantum for FY ‘25?
So, sir, just to understand, so hypothetically let’s say we achieve INR 6,000 crores of recovery. If I look at our current Net NPA plus unprovided Security Receipts, that is like 1.1%, right? So, that would mean that the excess of that would flow into negative provisions. So, you may have a negative provisioning for full-year FY ‘25. Is that the right understanding?
Yes Bank Limited CC-Sep23.pdf · 2023-10-23
Yes, hi, sir, good morning. First on your PSLC stock. So as per annual report we had around 300 billion of deposit. How is that moving and what is the way out, I mean, as long as this remains a significant proportion of the balance sheet your margins will remain under pressure. So what is the way out of cost and what is the stock right now a nd, just to understand how are we moving to the extent.
Just to understand this correct. So maybe in the s econd-half the balances may go up, but from FY2025 onwards at least the percentage share should start declining or the decline will start from FY2026.

RBL Bank Limited

RBL Bank Limited CC-Mar24.pdf · 2024-04-27
Congratulations on the great numbers. Sir, a few questions. First is, I think opex, you mentioned that this year, the opex growth could be lower than loan growth. If I look at FY '24, we had an opex growth of around 29%, 30%. And assuming you delivered a loan growth of 20%, are you saying that the opex growth will come down from 30% Y -o-Y to less than 20%? Is that the understanding? Because you still seem to be in investment mode. So that was the question number one.
Okay. And because of this reclassification, maybe I have to redo my numbers. Okay. So that is good. But sir, even if you are in investment mode, you are saying that 10%, 15% opex growth will be sufficient. Is that what you're saying?

Axis Bank Limited

Axis Bank Limited CC-Dec23.pdf · 2024-01-23
Hi, good evening and thanks for the opportunity. Sir, on your opening remarks, you mentioned that the system wide deposits and credit growth are likely to converge at around 13%. Is this like FY24 or this is like FY25? Any timeline for that number?
Right. So sir, in that context, at our current LDR while it has improved QOQ, it goes without saying that ask rate on deposits for Axis Bank is much higher than the credit growth rate, right? That is how -- and you also indirectly mentioned that the deposit growth will be constrained as a credit growth at least in the near term. Is that the right interpretation?
Axis Bank Limited CC-Sep23.pdf · 2023-10-25
Good evening, sir. Question on OPEX, right, so we have given that you know we are committed to 2.0% OPEX to cost and that is excluding Citi expenses and integration. So, if you can tell us what is the number right now if we were to exclude Citi expenses and integration, integration one can deduct, but what is the like-to-like number as of now?
Sure, understood. That is clear. And secondly on your comment on deposit pace moderating, the pace of deposit cost moderating, of course that is visible in your numbers so far. But I mean just observation that since March, right, our total deposit growth has also been very muted. So, for the last two quarters, maybe you have not, let us say if you were to accelerate the pace of deposit growth, would the current run rate would also sustain? I mean any thoughts there that if you were to accelerate from here onwards, the behavior should also be similar, is that the correct understanding?

IDFC First Bank Limited

Bank of Maharashtra

Bank of Maharashtra CC-Dec23.pdf · 2024-01-16
Sir I have a few questions and clarifications. So, first on this wage provisions so what you said is that the Bank was providing at higher rates than 15% and right now you are providing at 17%, but over and above you have Rs. 100 crore of extra provision, is that understanding right?
So, sir when we say 17% wage hike, does it also mean that you ar e providing as per 17%, but have you also provided adequately on the pension provisions, or this is only for the non-pension part of the wage bill?

Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited CC-Sep23.pdf · 2023-10-21
Yes, hi. Good evening, sir. In your opening remarks, again, more or less the same question, you had mentioned that the growth versus NIM and growth versus credit cost, at the same time, at two quarters back, the bank had a view that corporate growth was the risk reward apart from credit cost also, but in terms of tenure and in terms of pricing, was also not that favorable, and the bank had let go of a few hundred crore of corporate deposits because of these issues. However, in the last two quarters, corporate growth has picked up really well. So has anything changed in the way you think on the corporate growth side, large corporate side?
Okay, sure. And in your view, has anything changed on the home loan risk reward? Because the trajectory Y-o-Y growth in that product, that has come off subsequently and now we are below system growth, whereas two, three quarters back we were like 2x of system growth that has climbed below system growth?

Bandhan Bank Limited

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Sep23.pdf · 2023-10-16
Congratulations, sir, on a great set of numbers. Sir, first, on credit growth? So as you mentioned in your open ing remarks, we have done much better than the guidance that we had given at the beginning of the year of 14%. Any thoughts on, sir, revising that guidance approach?
Right. Okay. And sir, simil arly, you also mentioned that the deposits have been continued. I mean, the deposit growth has mainly come on term deposit side. At the same time, we had -- we were running this initiative on CASA.

IndusInd Bank Limited

IndusInd Bank Limited CC-Sep24.pdf ·
Sir, on your contingent provisions of Rs.525 crores, if I look at the SMA-30 DPD of MFI at 4%, it is roughly around Rs. 1,300 crores. While the slippages in MFI have been more or less , less than Rs. 400 crores, but the rise in SMA-is very prominent in this quarter. I wanted to check, is there any other segments where you have seen significant rise in the SMA?
What I was trying to understand is this, is there any proportion that this contingent provisions of Rs.525 crores is certain percentage of some segmen t or let us say, increased value in the SMA-book, in the sense that this is your assessment that and looking at the forward flow rate, how much of the 4% 30 DPD could likely slip and hence you would have provided against that?