PNB Housing Finance Limited CC-Sep24.pdf · 2024-10-24
My first question was on the Affordable side. Just wanted to understand considering this 160 locations where our branches are present, any sense or any understanding, the Corporates which are operating around us, what could be typical AUM per branch for them, and of course, what kind of AUM per branch are we aspiring to when we target to reach this Rs. 15,000 crores AUM by FY27? That is question number one. Question number 2 is on what are you planning to do on the Affordable side trying to garner market share in Tier-2, Tier-3 cities or we are targeting mix of virgin and market share gain, just wanted to understand the philosophy?
And on the AUM per branch, just wanted to understand currently in the locations where we are operating, our competition would be operating at what kind of AUM? Just wanted to understand today our AUM per branch optically looks much lower considering the f aster growth in branch addition what we have seen? And we wanted to understand, say from tomorrow itself hypothetically we stopped adding branches. So, what could be AUM per branch potential for us in the current location itself?