AU Small Finance Bank Limited CC-Dec24.pdf · 2025-01-24
I have two questions. So, the first question is a little long term. You have had an excellent track record with what you understand best, which is secured assets. So, with Fincare you got the MFI principally, and that met with the sectoral headwinds. And then you yourself admitted that your experience with credit card, the way you have done the business has not been that great. So, going forward, will it make you recalibrate your strategy with respect to lending? You will kind of stick to that, what you understand best, which is secure. And in that context, how would you like to revise or give a roadmap of your aspired ROA of 2%?
On your guidance of the ROA, when do you see that?