Can Fin Homes Limited CC-Dec24.pdf · 2025-01-20
Thank you for the opportunity. I mean, I also had like two to three questions. The first one was on the NIMs that you have bee n delivering, but vis -a-vis your NIM targets were, as you keep guiding, it's closer to 3.5%, right? So while we understand that growth, there is a geographical flavor to the growth setback. But is there an opportunity to give up some of the yields and get closer to your NIM targets, but also drive growth? That was the first question. Related question is on branch expansion. I think at the beginning of the year and during the year, you have guided to a net branch expansion of about 15 branches, whereas there doesn't seem to be any addition during the year, it looks like you're still at 219 branches. So I wanted to get some clarity on that. The third question was on your employee cost. Y -o-Y, there is a mid-teens kind of a growth in your employee cost, wherea s the number of branches don't seem to have changed much. Now part of this could be driven by I think you have mentioned in the past that you wanted to bring down your DSA sourcing. Maybe part of it might be contributed by employees for that, but wanted to get more insights on that as well. Those are my three questions.
Thank you.