The contingency provisions that you're carrying, when and under what scenario are you likely to utilize them?
So the 2.6% to 3% number for full year credit cost that you suggested, that doesn't assume any utilization from this.
Questions across 11 calls
Manish Shukla
Axis Capital
RBL Bank Limited
First question, going back to deposits. For the quarter, if we see Q -o-Q, there is a reasonably decent fall in share of retail LCR as well as less than INR2 crores deposits, right, up to 300 basis points. And there's a big buildup in LCR on a quarter-on-quarter basis. So can you please explain what's happened on the deposit front once again, please?
But Jaideep, if you look at the last four quarters, Q1 to Q4, quarter-on-quarter swing in LCR has been about 10 percentage point every quarter. That's a very large swing, isn't it, 129, 142, 132, 140, last four quarters.
Kotak Mahindra Bank Limited
I wanted to check what proportion of your loan book is linked to repo and external benchmark?
So, the question here really is that we are at a margin level where we were in June ‘22 and May ‘22 is when we had the first-rate hike. While I appreciate that timing and quantum of RBI rate hike is not known, but if we take a 6-12 months view, rate cut is inevitable. So, what contingencies would you have in that scenario? Because if 60% is linked to repo and we get 50 bps cut, that is a pretty decent yield on your yield on loans?
HDFC Bank Limited
Srini, just to reconfirm the floating proportion of the book. Corporate loans are about 19%. So, I'm assuming that would be entirely linked to MCLR, right?
And the question is purely on repo. So purely repo -linked book would be what p roportion of your overall loan book, just linked to repo?
On unsecured personal loan, your growth has been sharply lower than some of the peers. What's your thought process on that segment? And how do you think that changes?
One data point, what is the share of repo-linked book as of June?
Srini, you acquired about INR6.35 lakh crores of liabilities from HDFC Limited. What would be the average cost of those liabilities?
Yes, borrowings plus deposits, it was INR6.35 lakh crores.
AU Small Finance Bank Limited
What is the micro finance yield or the rate at which you are lending today?
So, Rajeev, if RBI were to put any kind of a spread or yield cap, would you still be keen to take 5% to 10% of the book or you would want to revisit in that scenario?
Yes, good evening. And thank you for the opportunity. Just sticking to card for once. If I look at the segmental yield, the differential between your home loan yield and credit card yield is only 40 basis points. capital requirement rather will be probably 3x. And yet on a Y -o-Y basis, if I compare both the books have ballpark grown about INR1,600 crores. I'm just thinking that from a return on capital perspective, how do you all thinking of card business? Where do you think you would need to take a call whether it makes sense or doesn't make sense, because at 12%, you probably will be on the lower side as far as credit card yields are concerned.
I'm sorry, but just to point there that I mean I appreciate the higher fees, but the credit cost delta we are saying is also significant, and I'm sure opex delta is quite high. So I'm not sure if fees is negating the opex and credit cost delta between home loans and credit cards.
IDFC First Bank Limited
Good evening and thank you for the opportunity. If I look your sequential growth in assets or loans, it is one of the lowest in the last 8 or 10 quarters. Anything particular to read into this here for the quarter?
Interestingly, if I look at it, your sequential moderation seems to be driven more by home loans and LAP rather than other products.
Sudhanshu, if you can come to slide 93 , loans and advances, firstly, could you give us the size of the credit substitute book?
And then o n unsecured retail, right , in all form and shape, if I were to look at this loan mix, where does it sit and what is the size of the total unsecured retail book, I'm not talking small ticket, I'm talking about overall unsecured retail?
IndusInd Bank Limited
Good evening and thank you for the opportunity. NBFC is one of our large segments. Any change in strategy thereafter the risk -weight assets changes done by RBI guidelines in this space?
Essentially, what I was trying to understand is compared to how you were doing the business till end of October and how you do it today.