Questions across 3 calls

Mahrukh Adajania

Nuvama Wealth Management

Mahindra & Mahindra Financial Services Limited

Mahindra & Mahindra Financial Services Limited CC-Feb26.pdf · 2026-01-28

Congratulations. I had a couple of questions. Firstly, that after the ECL model annual reset, now do you expect credit costs to hold on at current levels given the environment at 1.3 types over the next few or over the foreseeable quarters? And my next question is what were the changes or could you highlight if there were any big or m ain changes in the ECL model that we should know about? So that's my first question. And my second question is on interest income. If you could spell out the exceptionals?

Okay. Anything on ECL, I mean any major changes in ECL?

LIC Housing Finance Limited

LIC Housing Finance Limited CC-Jun25.pdf · 2025-08-04

So I first had a question on credit costs. So our guidance was 9 to 15, right? And our credit costs are much higher than that range this quarter. So what -- how does it pan out going ahead because recoveries don't seem to be coming through in the way we had envisaged? And anyway, a lot of people are reporting, however small, some incremental stress in asset quality. So where do we stand on that front? That's my first question, and then I have others.

Sure. No, what I meant was that if you annualize that INR192 crores of provisions, then it works out to 25 basis points. But anyway, sir, what was the -- sorry?

HDFC Bank Limited

HDFC Bank Limited CC-Jun24.pdf · 2024-07-20

Sashi, my first question is on LDR. So when you say you wanted to , or possibly LDRs could come down faster than anticipated, all the large private banks -- of course, one is at above 90%, but most of them are on an average of 83% to 87%. So is that kind of an LDR you are hinting at and over what time frame? Because that really sets things very clear ly, right, in terms of what loan growth to anticipate. And also in terms of loan growth, right, now if you see other than CVs, most of retail and most other segments have grown below 2% Q -o-Q. I don't understand the first quarter seasonality. But if you wish to have focus on profitability over growth and growth remains kind of weakish relative to your historical trends, would it be very easy to then regain market share once you think your balance sheet has cost corrected, right? Because you're possibly giving up share. You can do much better on growth, but obviously, we know the constraints on deposits. So that's my question on HDFC Bank. And if you could explain the high provisioning on HDB Financial as well?