Stockrabit · Analysts
Questions across 5 calls

Nitin Agarwal

Motilal Oswal

Punjab National Bank

Punjab National Bank CC-Aug25.pdf · 2025-07-30
Hi. Good evening, sir. I have a few questions. One is on the PSLC expense that we have incurred this quarter. So, can you talk about as to what steps Bank is taking to ensure that we do not incur a PSLC shortfall in the following years, because some of the PSU banks are making really decent income on the PSLC certificate that they are selling, so, why is PNB sort of missing out on that front and what are the steps that you think that will help us?
Right, sir. That is very good to know. And sir, secondly, some qualitative color around treasury because this quarter we have seen most banks reporting very strong treasury gains and benefiting from how the bond yields move, the OMOs and other things, so, any qualitatively, can you talk about as to what can we expect in the second quarter around treasury -- can there be a sharp fall versus what the first quarter has been or is there more room that you still see for PNB or for other PSU banks space as a whole that they can sustain this run rate?
Punjab National Bank CC-Sep24.pdf · 2024-10-28
Congrats on a very strong quarter a nd also achieving the milestone of 1% ROA well ahead of the guidance.
So, my first question is on the contingent provisions. This quarter we have made a small amount, but now that you are indicating that the credit cost, we have already reduced the guidance second time on credit costs now and there is a possibility it may be negative also as you mentioned. So, will we look to make contingent provisions and prepare ourselves for a day ’s transition as and when it starts? So, what is the thought on that line?

Axis Bank Limited

Axis Bank Limited CC-Dec24.pdf · 2025-01-16
We appreciate the tough steps that the Bank is taking in this kind of macro environment with a focus on delivering sustainable performance. So, I have like a couple of questions. One is around the credit cost. So, we have mentioned that we have tightened the provision policy and that has resulted in 15%-20% higher provisions which will continue in the near term. So, how much this actual impact because of that is in this quarter number? And when I look back like we have typically operated coverage ratio if I take the last five-year average coverage ratio has been around 75%-76% which is where we are right now. So, does this tighter policy mean that our coverage ratio will go up because anyhow we were operating at this coverage ratio of 70s prior? So, how do we see that?
So, Puneet, I was referring to this provisioning rules only wherein we have mentioned that we now operate at 15% to 20% higher where we used to previously operate, and this only should drive an increase in PCR. So that's where the question was from.

Bandhan Bank Limited

IDFC First Bank Limited

IDFC First Bank Limited CC-Mar24.pdf · 2024-04-27
Good evening and congratulations on our strong performance and really the deposit progression is nothing less than outstanding, sir. So, hearty congrats on that. So, I have two questions. First is on the LA P portfolio growth. So, after a gap of four, five quarters, we have seen a double - digit growth in the LA P portfolio. So, how are we looking at this as there has been an improvement in the credit environment, and this used to be one of the main businesses and now seeing this traction this quarter? So, anything more to read into this? And second is on the liquidity coverage ratio. Because while the deposit growth has been very strong, but since there has been a slight drop in the LCR on a sequential basis. So, what has really caused that?