Stockrabit · Analysts
Questions across 9 calls

Kunal Shah

Citi

RBL Bank Limited

RBL Bank Limited CC-Sep24.pdf · 2024-10-19
Yes. So the first question was last time I think you indicated that this spillover impact due to collection transition could be like -- it was like last quarter, it was INR60 -odd crores and you said like there would be some spillover which would come through in next quarter as well. But eventually when we look at the number on the credit card, it seems to be significantly higher? So was there any other element apart from this collection transitioning or maybe the collection transitioning has given much higher pain than what we anticipated during the last earnings call?
Yes. And largely, when we look at on a sequential basis compared to like say INR400-odd crores the last quarter, gross slippage in credit card and INR630 -odd crores this quarter. Is it largely that entire incremental delta is due to collection or maybe there is an element of industry -wide pain and some stress which we had seen in your portfolio, increased stress in Q2, in particular?

Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited CC-Sep24.pdf · 2024-10-19
So, firstly, with respect to the entire StanC portfolio, if you can indicate in terms of the profile in terms of the average ticket size, how it is panning out and earlier also we have seen Kotak doing not so sizable acquisition creating the MFI or the vehicle financing and that has continued even on PL side. So, should we assume that those inorganic opportunities would be relatively in few of the sub segments of a smaller size or maybe evaluate a slightly maybe a larger inorganic as well?
And when maybe RBI, slightly cautious with respect to growth in the unsecured side, maybe how would it be looked upon from the regulator side because that growth still continues from our end in this segment?

HDFC Bank Limited

HDFC Bank Limited CC-Sep24.pdf · 2024-10-19
Yes. So, the question is on RBI's draft circular in terms of the overlap in lending of group entities. So, what do you think should be the impact on HDB Financial and maybe till the time there is the final guidelines, would it any ways impact the listing of the HDB Financial that is being planned and that is required as per the regulatory requirement, yes?
Okay. That's helpful. And second question is on LDR. So , you indicated in terms of how we should look at the overall growth compared to that of the system averages. But when we look between our own loan and deposit growth, the way we have been maybe at least contracting the LDR, till what level should we assume that we'll be so aggressive in getting the LDRs down? Classification - Pubic Would it be like 90, 95 -odd level, and then we will get relatively more comfo rtable, or would there be any time period, maybe that we would have want to get it down or maybe we will see a much higher deposit growth compared to that of loan growth for next two, three quarters. And then maybe both of them should normalize, yes.
HDFC Bank Limited CC-Jun24.pdf · 2024-07-20
So the question is on PSL, again. When we look at it - almost like 53%, but again, that's from last year's balance sheet. But looking at it in terms of the sell-downs also, which have been there in PSL what we have disclosed i n the annual report. And the overall CRB growth also being lower, is it giving an indication that we are relatively more comfortable on PSL? And then in that context, how should we look at the overall CRB growth vis-a-vis the overall loan book?
I was saying maybe in terms of the PSL C, are we more confident in terms of the achievement? We have been the net sellers of PSLC as well.

Yes Bank Limited

Yes Bank Limited CC-Jun24.pdf · 2024-07-22
Yes. So firstly, on PSL. So given that in Q1 the overall what we have got still like maybe the expenses which have been incurred to and there is INR 63-odd crores. And broadly, we h ave been able to pick up maybe after the buying of the certificates, we have been broadly able to comply with the PSL. And you had given maybe what is the difference of how much is the drag on margins and the other aspects? What – when should we ideally ex pected to neutralize maybe how long is it going to take before we see that the gap narrowing down between PSL and ex of PSL?
Okay. So maybe '26 and '27 is where to look. Okay. And maybe looking at, as you mentioned, will it be well spread through the fiscal better than being or either be upfronted or maybe having. So last year, we had it move towards 4Q, but fair to assume that this will be well spread now across all the quarters?

Union Bank of India

Axis Bank Limited

Axis Bank Limited CC-Mar24.pdf · 2024-04-24
Yes. So once again to touch up on margins. So as you indicated, there is not much of an interest reversal benefit, even though this time we have combined both interest reversals as well as spreads together in 5 basis points. But when we look at it in terms of the incremental spreads, so given that cost of deposits have also gone up by 8 -odd basis points. Are we seeing the entire mix shift and the overall -- when we look at it, the pass on in terms of the lending rates, leading to this kind of improvement in spreads as well and does it give the flexibility to increase the deposit rates I think in less than Rs 2 crores, we are still below many of the -- many of our peers. And to just shore up the retail deposits, should we do that in terms of the deposit rate hike?
Sorry, anything reversal within this -- any interest reversal within this, which is in the normal course because we are seeing a good recovery as well?

IndusInd Bank Limited

IndusInd Bank Limited CC-Sep24.pdf ·
First, broadly to understand on the MFI part, the rundown seems to be quite stark. If you can highlight in terms of how the disbursement run rate have been in Q1 and Q2, it doesn't seem there is significant write-off out there, but 12% rundown seems quite stark. And if you can even highlight the SMA-0-1-2 pool, particularly for the MFI, otherwise it seems to be controlled with slippages at less than Rs.400 odd crores.
So, on Rs. 37,000 crores in a single quarter, what would have been repayments.

Bank of Baroda

Bank of Baroda CC-Sep23.pdf ·
Yeah. Hi, Sir. So, particularly on the recoveries from write off, so, the only question was when you look at it significantly higher amount this quarter, so was there any particular maybe particular account which is leading to that, so I think MB also asked that question, but didn't get the reply in terms of what has led to almost like INR 1,230 odd crores kind of recovery and in terms of the outlook, should we expect that to normalize to less than INR 500 crores kind of a number or we should see this kind of trend because that is supported the earnings this quarter in particular?
Okay. So, that kind of a recovery will continue in H2 as well?