Questions across 6 calls

Prakhar Sharma

Jefferies

ICICI Lombard General Insurance Company Limited

ICICI Lombard General Insurance Company Limited CC-Mar25.pdf · 2025-04-15

Hi. Good evening. Just wanted to delve upon the comment on the pricing stance by some of the PSUs or broader market in the Motor Vehicle business. Could you just elaborate on this that from what segments of GI Operators did you see some bit of an aggressive stance? And has there been any change? Because while we talk about the EoM sunset for FY2026, are the private ones also genuinely trying to consolidate on pricing? Second, just connected to this is, is there a possibility or is there a discussion around the EoM getting pushed out by a year or so just so that everybody makes it without too much disruption? Thank you.

Perfect. Thank you so much.

HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited CC-Dec24.pdf · 2025-01-15

Hi, thank you. So actually, sorry to keep delving on the margin thing, but given so many factors involved , I just wanted to ask you that this quarter, as you mentioned in the last 15-20 odd days, you were selling as per the new product norms and there was a 600 basis point impact on margin. Would it be like in the next quarter, if the whole three months actually goes in any sort of a fix, do you think the impact on margins in the third quarter will be basically a multiplier effect of the 100 bps give n that the period gets longer? Or how should we expect it to pan out?

Understood. So just to reconfirm from the IRDA gave an extension of about three months. So , the way it will apply is that, the manufacturer , - HDFC Life, will have to be compliant on 1st October or is it three months later? And second, when you have the partner arrangement, can they continue to remain fluid or there is a sunset clause to make those adjustments also?

HDFC Life Insurance Company Limited CC-Sep24.pdf · 2024-10-15

Hi, thank you. So actually, sorry to keep delving on the margin thing, but given so many factors involved , I just wanted to ask you that this quarter, as you mentioned in the last 15-20 odd days, you were selling as per the new product norms and there was a 600 basis point impact on margin. Would it be like in the next quarter, if the whole three months actually goes in any sort of a fix, do you think the impact on margins in the third quarter will be basically a multiplier effect of the 100 bps give n that the period gets longer? Or how should we expect it to pan out?

Understood. So just to reconfirm from the IRDA gave an extension of about three months. So , the way it will apply is that, the manufacturer , - HDFC Life, will have to be compliant on 1st October or is it three months later? And second, when you have the partner arrangement, can they continue to remain fluid or there is a sunset clause to make those adjustments also?

Bandhan Bank Limited

Bandhan Bank Limited CC-Sep24.pdf · 2024-10-25

Congratulations and best of wishes. I wanted to ask you, you had made material changes to your underwriting policies introducing the cooling off period, the 30-day, 60-day, 90-day period. So, can you discuss how much of your book has actually gone through this change of underwriting standards? And do you think that’s one reason why the book will behave well? And secondly, can you discuss what sort of investments you have made in the broader collections and recovery platform?

Investment in collection.

IDFC First Bank Limited

IDFC First Bank Limited CC-Mar24.pdf · 2024-04-27

I just wanted to ask you a couple of things. One, could you give some sense of the loan growth expectation, let’s say how you are building up for the next year and as the operating efficiencies start to play out, maybe current costs start to normalize at a slightly higher level, in a three-year view, what should we think of ROA, ROE terms?

Poonawalla Fincorp Limited

Poonawalla Fincorp Limited CC-Sep23.pdf · 2023-10-21

Thank you Abhay for the presentation and very strong numbers, congratulations. Just two things I want to ask you in terms of disbursements if you look at the trajectory between 3QFY23 and 4Q you had a nice jump in terms of disbursement and thereafter the incremental buildup on disbursement has been far more rangebound, I just wanted to get some perspective, is there some discontinued business which is kind of diluting it down or should this be the more sustainable traction on disbursement that is my first question?

I will take some data points later separately on this. Second I just wanted to ask you in terms of asset quality couple of questions around it so today your stage one, stage two ratios are based on a very high growth denominator and NPLs actually come with some bit of a leeway if you are growing 70% and NPLs come with a one-year lag then probably your Gross stage- 3 and Net stage-3 ratios might be much higher than what the reported numbers look like so is there a way to share some cohort-based NPL ratio or through the cycle credit cost that we should expect in terms of the new book? That is one and secondly on the short-term personal loan side, you have given some insights on ticket size wise performance in the 30 DPD segment. What I wanted to ask you, you were in the ₹ 80,000 ticket size segment, is it possible to share the industry numbers in that category because the plus ₹ 25,000 number covers a very large category and I understand beyond ₹ 3 lakhs the number really falls off and ₹ 80,000 is not as strong as the ₹ 3 lakhs plus so can you just give some information around how is the 30 DPD in the ticket size of ₹ 80,000 ticket sizes?