Questions across 6 calls

Prakhar Agarwal

Elara Capital

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Dec24.pdf · 2025-01-24

Just 2-3 questions based on the outlook that you have given. First, in terms of growth outlook that you have essentially brought down to around 20% from 25% within a quarter. And this time around, we have mentioned that the secured it will be around 23% to 25%. And essentially, looking at the mix, unsecured is only 10%. So, have we lowered our growth in secured segments as well? Or how is the math working around from 25% to 20%, a growth guidance can cut in one quarter that we have done?

Just two more things on this, just a follow up on this as well. So, the other guidance that we have said is in funding cost, which we have said that it will lobby around 7.10 to 7.15. What has changed in the quarter in our favor to have seen this sort of benefits? Because the system seems to be struggling in managing that funding cost and we are essentially going out and saying that we have lowered our guidance for funding costs. What exactly has played out in our favor?

AU Small Finance Bank Limited CC-Jun24.pdf · 2024-07-25

Yes. Just quickly two, three questions. So there's been a lot of talks about CD ratios around the industry. In your mind, when you have a discussion with the regulator, do you look at CD ratio adjusting for refinancing as you highlighted? Or is just the outside CD ratio that is getting calculated in your discussion with regulators?

Got it. Second, you have spoken about funding costs and then there's been a decline on a sequential basis. Can you also elaborate about the cost of deposit, how that has behaved in the quarter?

AU Small Finance Bank Limited CC-Mar24.pdf · 2024-04-24

So, first is I just wanted to understand on yields, any of the products wherein you have tweaked the yields on the fresh disbursement and if you could just highlight in terms of which product and what yields adjustment that you have made, which is first. And then probably I ’ll go ahead with the second question.

Just one follow -up on this. Do you see further room for the hike in rates or probably we are probably done with one leg and now it will be more of a disbursement mix change that you have highlighted? Or probably some room is still left on yield adjustments that you can make?

RBL Bank Limited

RBL Bank Limited CC-Dec24.pdf · 2025-01-18

Just one question from my side. In terms of MFI book, when you say that you'll probably start FY '26 on a relatively cleaner base, is there a thought process that you'll probably carry on a steady-state basis, some contingencies on MFI, say something like par 30% that you'll probably carry or maybe some sort of contingency that you carry on MFI on a steady -state basis? Or probably go into FY '26, wherein you probably have utilized a certain set of contingent provisioning as earlier participants have asked and probably then again, we ar e thinking about how FY '26 in terms of how it plays out?

The Federal Bank Limited

The Federal Bank Limited CC-Jun24.pdf · 2024-07-24

Yes, hi. Thanks for the opportunity. Just a couple of questions and sorry if I'm being repeated. Why -- what would explain the cost of deposit decline on a sequential basis? We probably have around 6 basis points of reduction. What would rather explain this?

Okay. And in conjunction to that, last time Shalini mentioned that margins probably for the full year, maybe 2 basis points to 3 basis points higher than where we closed for FY '24. Do we maintain that stance or probably given what we have seen in Q1 and p robably some -- what is our stance on that strategically?

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Dec23.pdf · 2024-01-22

Couple of things. One is on, sir, lending rate, so you have highlighted that you took a couple of MCLR rate hikes. Have you been able to pass through a nything in retail and commercial banking side?

Okay. And sir, moving on to FY '25, if you were to take that there are no systemic rate changes by RBI. How do you foresee your margins moving on and in that context growth t hat you're envisaging, because you said in a passing comment that you probably are choosing margins over growth at this point in time. So, if you were to just --