Congratulations. Sir, just a few questions. One is what is the contribution of recovery of written-off income in the noninterest income line, sir?
Perfect. And in Page number 19, like corporate banking, you have been consistently increasing the share of BBB. Just if you could just kind of give us some clarity as to what is your thought process on this getting into what appears to be some weakness on the economic side.
A couple of questions. One, sir, just a housekeeping question, on this INR274 crores of provisions, can we have a break up of that sir, between loan loss and others?
Sir, the other question is pertaining to what was asked in the past by Jai as well. This retail provisions, while I understand it doesn't have an impact for you personally given the levels at which you are, do you still have to make higher than what we thought in terms of provisions or we will -- we can continue at the levels at which we are assuming slippages are where it is today?
A couple of questions from my side. First, again, continuing on what Kunal asked also. On the ECL side, just if you could just kind of give us some color on -- does the 50 to 60 basis points of credit cost that you're guiding continues in that regime as well? Or is there a reassessment to that number?
Just if you were to ignore the Middle Eastern crisis today, if you could just kind of give us how are you thinking about how the ECL change the provisions for you?
Questions on margins again. When you look at the yield on advances decline of about roughly about 20% and cost deposits on 20%, how do you explain margin expansion here?
And just to clarify...
Hi, sir. Just coming back on that margins again. So your yield on advances and cost of deposits have moved into different directions. So the number of days doesn't explain that moment. That's one. Second one is that in the last two quarters, you have significantly reduced your wholesale or the lower -yielding advances, it should have been margin positive on the yield side, even if you have some offsetting factors on the EBLR reduction? Just trying unde rstand what are we missing here?
Question on this rental side, which RBI had kind of made a norm in saying that you can't accept from the rental transaction. If you could just kind of broadly kind of give us an outline as to how does it impact your numbers in the next couple of quarters?
Sorry, when you say 3% to 5%, this would be, let's say, of the current quarter's numbers, it would be lower by 3% to 5% next quarter or so. Is that the way to see it?
Question on this rental side, which RBI had kind of made a norm in saying that you can't accept from the rental transaction. If you could just kind of broadly kind of give us an outline as to how does it impact your numbers in the next couple of quarters?
Sorry, when you say 3% to 5%, this would be, let's say, of the current quarter's numbers, it would be lower by 3% to 5% next quarter or so. Is that the way to see it?
Just a couple of questions. One, on the new account acquisition, why are we in a sense seeing this slowdown here in terms of acquisition? Is it because there is a lack of demand for fresh cards or is the filters becoming even tighter than before?
In the sense that at one point in time we were looking at 1 million, now we are looking at the number 0.9 million to 1 million. Do you say that even the recent origination of cards is not kind of coming through the quality that you would want for?
Sir I had just one question, the outstanding recoveries that you have reported this quarter, which is about INR133 crores. Any color on one what is the outstanding stock of written off loans that is there in your portfolio a nd two when do you see this contribution starting to dilute over a period of time?
Yes.
Sorry, my question again also is the same as the previous one. This Rs.761 crores of interest income, which got reclassified, is it possible for you to give us a bit more clarity as to what has caused this?
No, we get the fact that it was incorrect. I'm just trying to understand what are the examples of it that we've got reclassified? Just trying to understand the nature of it.
Sir, just a question on this West Bengal again. You kind of indicated, what is the current month performance as we speak? Your gave a number. I just wanted to clarify.
No. The SMA -0, 1, and 2. I think you had mentioned a number that the performance had improved in April. Just trying to check what was the comment on that?
Just one question on this new ARC guidelines that came in or clarification that has come in with respect to resolution that the ARC can do with their borrowers , does it have any bearing on the expected recovery rates from your side?
But Prashant, just to extend this point, given that we are right now seeing a fairly good recovery from that book, you must be having some conversation around this guideline, right? Because you're also kind of looking at those numbers to see how much of recovery you'll get in the next few quarters?
Sir, just adding to the previous question again, you said INR 150 crores has come from Cards. Even if you remove this number - the slippage is still running at 4%. Are there any other portfolio like how is the PL doing and any other part of the portfolio which is additional cause on stress?
Sorry, to ask a question again, did you indicate that the stress has peaked out? Or are you saying that it will still run through for a few more quarters?
Just want an update on the unsecured loan book. We've had some issues in the last couple of quarters, is there any kind of an update of what you are seeing in your portfolio?
Well, just to clarify these 2 parts. One, we understand that the forward originations, at least the fresh origination of the book is likely to be tighter. About the existing book that you're carrying today - Any sense of how long the pain will persist based on what you're seeing in the data?
Just this question which Abhishek had asked earlier on how the portfolio is behaving today in terms of the fresh formation of bad loans in the unsecured loan portfolio. If you could just clarify on that question, please.
Sorry, just to clarify, in your assumption, this current run rate of slippages will continue based on what the portfolio is behaving today. Is that the way to look at the final conclusion here? Amit, it's a very simple question saying that, look, you kind of indicated that you have tightened the credit filters and incrementally the book is starting to behave well. So, when exactly is that inflection point that you are seeing based on the current data sets that you are seeing in your book?
Yes, hi. I just have one question. In the movement of this contingent buffer it was R s 11,700 crores-odd last quarter, it's gone to Rs 11,800 crores this quarter whereas you have indicated that you had an additional provision of R s 520 crores which will move through the P&L. Can you reconcile those numbers, please? That's it. Thank you.
Okay. Thank you.
Just two questions from my end. One is you have started to see a slowdown in the commercial banking space, especially on the emerging corporates, if you could just kind of highlight as to what's happened there?
Second question is on the deposit side and loan growth. Is there any number in mind when you're looking at below industry average and looking at where the sector is growing in terms of deposits or -- you don't have an opinion about it at all?
Just one question on the non-interest income line. This miscellaneous income has gone up quite sharply. So just trying to understand what has driven that. And also on the fee income line, there's a slowdown, but largely the growth has come from third -party products. If you could just kind of give an explanation to that, sir?
Just a slightly different question. When you look at your -- when you speak to your dealers and channel partners, has there been any indication of a tightness in credit supply from lenders for both the construction equipment as well as for the agricultural products? And if yes, was there any geography which they seem to be worried about?
So no tightness in -- no tightness in underwriting or credit rejections and stuff?
Three questions. One, on the loan book, has there been a reclassification in this quarter?
Okay. So that has reduced the MSME exposure, and you put that in other loans.