Stockrabit · Analysts
Questions across 9 calls

Mahrukh Adajania

Nuvama Wealth

Punjab National Bank

Punjab National Bank CC-Jan26.pdf · 2026-01-19
Yes, good afternoon. I have a couple of questions. My first question is on the provision. So last quarter, we had discussed that there's going to be a write -back of provisions from an account which other banks like Union has already writt en back in the second quarter, and we were supposed to take that write-back on provisions in the third quarter. And that was roughly around INR7 billion to INR9 billion. So why wasn't the floating provision offset against that? I think that if we had that much of a write-back and our floating provisions were also around INR9 billion only, then there shouldn't have been an increase in provisions, right? That was my question. And -- so that was my first question, and I'll let you know the others.
Okay, sir. And any specific reason on why the provision was not released? You don't want to release it or any other reason because other banks seem to have released this.

HDFC Bank Limited

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Oct25.pdf · 2025-10-17
I just had a couple of questions. Firstly, in fees, usually in the second quarter and even in the fourth quarter, there's a lot of seasonality. So even in the past if you see, you see a big jump on a sequential basis in second and fourth quarters. Last yea r, there was no festival either, but we still saw that. So what's the seasonality in these quarters? I'd like to better understand that. And then, are immediate green shoots already visible in October for a significant recovery in credit cost in the second half? That's my second question.

The Federal Bank Limited

The Federal Bank Limited CC-Jun25.pdf · 2025-08-02
So, one question on MFI that quite a few lenders recognized MFI stress in 3rd and 4th quarters, and of course it continues to some extent even in the 1st quarter. So, for us, it bunched up only in the 1st quarter, is it? And there would be accelerated or aging provisions on the slippages this quarter and the next few quarters as well, right because the write-offs are not materially different from 4th quarter overall in general ? So, that is my first question. And then in general, there appears to be a stress in the very retail segments like unsecured, business Banking, and of course the MFI stress may peak in one or two quarters wherein CVs, business Banking, we hear a lot of lenders talking about new stress build-ups. So, how do you view the environment and do you see credit costs remaining high in the 2nd quarter and then moderating or how do we view it? So, that is my first question. And then my next question is on margins. Of course, you have repriced faster. So, that explains the margin decline, but y ou also got benefit on cost of funds. But how much do they fall in the 2nd quarter before stabilizing? The quantum should be much lower or how do we view that?
And business Banking is also good?

Bandhan Bank Limited

Bandhan Bank Limited CC-Jul25.pdf · 2025-07-18
Good evening. I had a couple of questions. Firstly, again, on the SMA-0. So given that these are very low income groups, there is a lot of certainty that it does not roll forward. Is that the right way to put it? Because they are low income, right? So -- I mean, usually, it's a difficult guess on whether they do roll forward or not. So that's my first question. And my -- should I -- okay, you can answer that later on...
Okay. And my other question is that what is your general feedback on industry discipline? Of course, guardrails have been implemented, but some players are again complaining about aggressive behaviour of some other lenders. So what is your take on industry discipline? And in that environment, of course, you partly answered, so when do you see your microfinance -- EEB disbursal scaling up?

LIC Housing Finance Limited

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Sep23.pdf · 2023-10-27
Sir, my first question is on margins again, and then I have a follow -up question on credit costs. So, we've seen the list of festive offers from SBI Card. It's well highlighted. And the scale this time in this festival looks much higher than in the previous years. So how would that impact, if at all, your margins or Opex in the coming quarter?
Got it. And you did mention about credit card delinquencies rising in addition to other unsecured loans. Sir, is that an industry-wide thing because we've heard only about unsecured loans BNPL?

Shriram Finance Limited

Axis Bank Limited

Axis Bank Limited CC-Sep23.pdf · 2023-10-25
Good evening. My first question is on OPEX. Puneet, you mentioned that there is some non-recurring item in other OPEX explaining the steep QOQ increase in that item. So, could you quantify it? That's my first question and I have another one on deposit growth?
Okay. Because if you exclude the integration expenses that have grown, I mean that have kind of declined, right, there's a Rs. 100 crore decline in the Citi related integration expenses. So, if you exclude that, then the OPEX has actually grown over 7% QOQ, so do we expect that high growth because I mean if some other expenses are going to compensate for one-off this quarter, then I mean just some broad guidance even on near-term OPEX?