Questions across 3 calls

Pranav Gundlapalle

Bernstein

Home First Finance Company India Limited

Home First Finance Company India Limited CC-Jun25.pdf · 2025-07-28

Two questions. One is on the ticket size. Manoj, I think you have talked a lot about this natural increase in ticket size over time. Some of the peers have seen their ticket size stay stable, I guess, by going down a segment or two lower. The question is, is it more a risk filter that is preventing us from going down on the ticket size? Or is this a limitation of the model, either because of geographic presence, sourcing model or whatever else? The second question is on attrition. You did mention the overall rate is stable at around 30%. Could you give some color around either tenur e wise or seniority wise or the position wise attrition? Just trying to get a sense of if someone sticks around for 1 year - 1.5 years or 2 years, how does that number change? And third, if I can just squeeze in one last one. What percent of customers during a quarter would get a lower rate offered, right, because they express willingness to or intention to move out or any other reason? What would that rough number be? Thanks. Those were my questions.

Thanks, sir.

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Dec24.pdf · 2025-01-28

1 question on your sourcing shift that you have done, you look back pre -COVID, you had a certain model for sourcing, which hasn't helped on the underwriting front, but it did allow you to grow or maintain a certain market share. Now that you have tightened your sourcing strategy, do you think the growth will be a lot lower versus the industry? Or is it more you have now throttled it down because of the environment. But even with this new approach, you'll be able to grow at the same pace as you did pre-COVID, let's say?

If you're sourcing better customers, can you still grow at the same pace as what you used to do in the past?

Axis Bank Limited

Axis Bank Limited CC-Sep24.pdf · 2024-10-17

Hey. Good evening. Thanks for the presentation. I just have one question on loan growth. If you look at our loan growth this year, I mean, this quarter at about 11% to almost good 2 to 3 percentage points below the system growth. So what are we really doing differently versus the system? Is it more conservative given the asset quality trends or is the bar much higher in terms of the yield or is it constraints because of the various liquidity requirements, a bit stronger for us versus the system? Just trying to get what is being different for us versus the system?

Understood. So would it be fair to say that the choice segments are more on the retail side. Therefore, if the system sees a slowdown there, that outperformance that we reported is 4% to 6% of system growth, would probably be lower going forward?