Stockrabit · Analysts
Questions across 4 calls

Nitin Aggarwal

Motilal Oswal Financial Services Limited

Bandhan Bank Limited

Bandhan Bank Limited CC-May26.pdf · 2026-04-28
Hi, good evening everyone and congrats on a good quarter. A few questions I have. Like, firstly, on the NII growth itself, if I see like NII growth this quarter is at 4% Q oQ growth. And this has come in despite pretty strong advances growth this quarter, even the previous quarter, we had a decent pickup and margins have improved in both the quarters. So , any reason why this growth is lacking the advances growth despite such a margin expansion?
Okay, got it. The other observation is around the collection efficiency. If I see like for the month of March and for the quarter, the gap has widened. Like while there used to be like a say last quarter was a 20 basis point gap if I look at the collectio n efficiency excluding arrears at 98 % and 98.2%. This time for the month of March it has stood at 98.6% versus 99.3% for the quarter. So how should one look at it? Has March deteriorated over the three months of, of this quarter or how should we read this?

The Federal Bank Limited

The Federal Bank Limited CC-Sep25.pdf · 2025-10-18
Congrats on a very good result. Sir, I have a couple of questions. One is around the ECL impact, again, wherein you mentioned that the impact is going to be quite small or manageable. So do you think that this will come in the way of the targeted ROA improvement because we have laid out a target to be somewhere in the middle of top three and the next three in terms of ROA and a number that we look at. So, will this -- covering up this provisioning gap, will this come in the way of us achieving that target over the next 2 years?
Right, sir. And sir, the other is on the Yes Bank stake sale, if you can like help us know like how much is the gain and how will it be reflected that in P&L or balance sheet? How is that accounting done?

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Mar25.pdf · 2025-04-22
Hi, good evening everyone. I have a few questions. Firstly, on the ROA guidance that we have for FY '27. So Sanjay ji, you gave this guidance like last year and we had a very turbulent FY '25 and there will be some impact of new guardrail in 1H as you mentioned. So how comfortable do you feel to make this guidance? Do you foresee any risk to this? Or do you think that the risks are evenly poised, so what's your assessment on that?
Right. And sir, second question is, any color as to what would our LCR be factored in the -- like a revised LCR guidelines that came in yesterday, I'm asking because AU Bank is relatively lower and so should like any benefit on that should be very much...

Union Bank of India