Questions across 30 calls

M.B. Mahesh

Kotak Securities

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Mar24.pdf · 2024-05-13

Sir, just one question. These guidelines with respect to the infra one, it also covers comme rcial real estate. We know that most banks do have this particular book, including yours. Can I just clarify as to whether this guideline is applicable based on the exposure norms that you give to us in the annual report? Is it a meaningful one or not a meaningful one?

And also for commercial real estate, sir. Because if you look at the annual report, your commercial real estate exposures tend to be high because you have some collateral there. So if you just kind of clarify on that one as well?

Karur Vysya Bank Limited CC-Dec23.pdf · 2024-01-22

Good evening, sir. Congratulations.

INR30 crores, is it? Okay. And sorry, I missed one comment which you made. You indicated that cost of deposits would grow by how much by 4Q?

The Federal Bank Limited

The Federal Bank Limited CC-Mar24.pdf · 2024-05-02

Congratulations on good result. Just 1 question. Just a comment, if I missed it, on the non -staff expenses, it was up from INR850 crores to INR950 crores, I don't know if you made a comment on it. That's it from my side.

But Shyam, sir, is that, that high because during...

The Federal Bank Limited CC-Dec23.pdf · 2024-01-16

Yes, hi. Just in continuation to Kunal's question, also the changes that you have done, you would have done on the personal loan side as well, on the unsecured portfolio. What kind of interest rate changes have you been doing there?

And just one additional question is if your partnerships slowed down growth by any chance, would there be an impact on the fee income line that you have today?

Axis Bank Limited

Axis Bank Limited CC-Mar24.pdf · 2024-04-24

Just two questions. One is there has been a slowdown in the credit card outstanding on a sequential basis while the sale book has kind of done reasonably well, if you could just kind of qualitatively call upon as to what has happened on these two products?

Arjun just to clarify, qualitatively, some comment from the asset quality side of it?

Yes Bank Limited

Yes Bank Limited CC-Dec23.pdf · 2024-01-29

Two questions from my side sir. The first one is on the Cost of Funds the increase has been for this quarter relatively smaller as compared to the last two quarters. If you could just tell us at your portfolio level given the kind of maturity that you're seeing in your term deposits, how are you seeing the Cost of Funds kind of moving over the next couple of quarters ? This is the first question. The second question pertains to the slippages that we are seeing on the r etail portfolio - this quarter has been on the higher side. If you could just kind of give us a context into what is driving these retail slippages?

Just to add on this question, let's say in the month of January so far the situation on the deposit mobilization has been at par to last quarter worsened or it has improved w here would you kind of put this situation today?

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Dec23.pdf · 2024-01-25

Sir, the spend growth has been about 40% and if you look at the loan growth or the receivables growth, it has been about mid 20s. In the past, usually you should see it in the month after the spends has been completed. But this time, December was a bit slow. So, just I'm trying to understand why the loan growth translation has been a bit weak.

Because the retail spend growth was up 20% whereas if you look at the overall loan growth, it's about 8% QoQ. Do you think it's largely explained by the EMI product?

SBI Cards and Payment Services Limited CC-Sep23.pdf · 2023-10-27

Just a couple of questions. One, there has been a significant slowdown in the receivables growth this quarter, just to amid about 30% and it's come down 20%. What explains this?

Yes. Just one clarification on this entire credit cost and the new fresh cards trading a problem, how often do you scrub the data back of your customer base to see what kind of indebtedness do they carry?

Bank of Maharashtra

Bank of Maharashtra CC-Dec23.pdf · 2024-01-16

Just three questions on slide number 19 with respect to cost of deposits, if you could just kind of tell us when this ratio would probably peak at current levels of interest rates?

So, you're saying that the next quarter we can see a print of around 4.5% is it?

Bandhan Bank Limited

Bandhan Bank Limited CC-Sep23.pdf · 2023-10-18

Hi, just one question. Are you able to do any form of analysis of the delinquent borrowers, if they are able to get access to any other form of credit with other MFIs?

Okay. Because the problem has been that the delinquency that we see in your book is completely at odds to what we are seeing outside -- so just trying to understand what experience a consistent divergence in performance that still exist today when everything suggested on the ground tools have improved. So where is the mix that we are consistently getting on being surprised on the asset quality numbers?