Stockrabit · Analysts
Questions across 4 calls

Jai Mundra

ICICI Securities

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Dec24.pdf · 2025-01-20
Hi, good evening sir and c ongratulations on a very good set of numbers. Sir, first question I have is on TWO recovery. So we have done INR175 crores in this quarter a nd last quarter and the quarter before that was also we did a very he althy numbers. If I calculate, I mean, the total TWO book outstanding i s roughly INR4,700 crores, INR 4,800 crores. We have been writing off also. So that pool may get bigger and bigger, b ut the recovery percentage even if I look at this quarter INR 175 crores on maybe, let 's say, roughly INR5,000 -odd crores book is also non - annualized 3%, 4% roughly . So how -- I mean, what is your sense as to from a 12 months perspective, this number can be? Can we do like, let's say, INR400 crores, INR50 0 crores recovery for the next four quarters or what could be a more reasonable number for that TWO recovery?
Thank you, sir. A question on fee growth. So fee and maybe CASA growth, if you can take it together also. What I thought is, of course, there is a challenge on the fee, there is a chal lenge on CASA growth, but what I remember or what we were try ing to do is we had put in a lot of feet on street to boost both the CAS A as well as fee growth. And this quarter -- I mean, before this quarter, fee growth was more or less similar or marginally ahead of the loan growth only. And this quarter, it has come down to 4% Y-o-Y. Similarly, while I understand that CASA is a challenge at the system level, but I thought that we had -- because we had put in additional feet on street, we can -- we would have done slightly better outcomes. So your thoughts on both fee and CASA growth?
Karur Vysya Bank Limited CC-Mar24.pdf · 2024-05-13
Congratulations on a very steady performance quarter after quarter. Sir, my first question is on employee head count, right? So they have increased to around 9,000 odd. What is the sense, sir? Are we still adding more people on the F eet on Street at overall level? Or this is likely to stabilize there?
Understood. Understood, sir. And sir, secondly, on growth, right? So I heard you that you have said that the FY '25 growth would be 14% plus, considering that we have best of the asset quality, our cost of deposit is still one of the lowest amongst peers. 14% growth, of course, you are focusing on profitability as well. But could this be, I mean, a lower end number? Or you would -- at this point of time, you would think that 14% is a good enough number? Or it can actually move up as we deliver or as the new people join, etc.

IDFC First Bank Limited

The Jammu & Kashmir Bank Limited

The Jammu & Kashmir Bank Limited CC-Mar24.pdf · 2024-05-06
Sir, few questions. One is, if you can break down the fee income on a full -year basis, so what I can see is 825 crore is the fee . How much of that would be treasury and recovery from write - off? And how much will be the core fee?
So, sir, if I remove the treasury and write -off, I mean , recovery from write -off, then the fee income is somewhere around 610 crores, right? On an asset base of roughly 1.5 lakh crore, this number is roughly 40 basis point, right? So, I just wanted to take your view that, you know, this number, fee income or core fee income as a percentage of asset at 40 basis point is very suboptimal. If you look at your fee asset, the industr y average would be anywhere around 90 - 100 basis point. So, your thoughts and the roadmap on this parameter, which is P2 assets or P2 loan, you know, over the next two years, and what are the initiatives that we are taking and how easy or difficult could it be?