Stockrabit · Analysts
Questions across 2 calls

Mahrukh Adajania

Firm not listed in source transcripts

HDFC Bank Limited

HDFC Bank Limited CC-Jan26.pdf · 2026-01-17
Sir, my first question is on the LDR. You did allude to it. But when do you think now you would reach an LDR, say, close to 90% or below 90%, like any time frame? So that's my first question. And my second question really is on agri compliance. So two large banks have been asked by RBI to make provisions on a certain agri portfolio because of non-compliance issues, provisions of 12 billion to 13 billion. So, as we stand today in terms of your agri portfolio, do you think there is full compliance or there could be some issues somewhere given that it's a large portfolio, it's spread out across the country? And do you think you would be liable to such provisions in the future? Classification - Internal
But did the 5 billion come this quarter only then?

Punjab National Bank

Punjab National Bank CC-Oct25.pdf · 2025-10-18
Hello sir. Congratulations. Sir, I had a few questions. Firstly, what is your outlook on margins, right? Because they fell around 10 basis points on a global level Q -o-Q. So how do we see it from here on if there are no rate cuts, do they stabilize? Do they improve? Will there be a change in mix more corporate bringing down margins? How do we view margins in the next 2 quarters mainly because there will also be downward MCLR repricing. That's my first question.
Okay. But you are permitted to release it, but it's your choice that you didn't?