Questions across 8 calls

Pritesh Bumb

DAM Capital Advisors

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Apr26.pdf · 2026-04-27

Hi, Good evening team. Congrats on a great set of numbers. Few questions. One is on the asset quality side. So , we have now come out from the asset quality cycle. How are we looking to strengthen the residual asset quality metrics like PCR, contingency provisions and ECL as we go along?

The second question was Sanjay, just wanted to understand the philosophy for the approach on home loans from here. It’s been mostly flat for some time now. Will we focus on asset duration than yields in the next few years? Anything on that?

AU Small Finance Bank Limited CC-Jul25.pdf · 2025-07-19

Yeah. Hi. Good evening, team. Just wanted to check when we say our 1.8% ROA for ‘27, have we also built or have we basically tried to build in a cross-cycle MFI credit cost of 2.5% to 3%, which we had maintained before the cycle as well? And will we also build some on the CC business post risk stabilises?

Got it. And secondly, just on in terms of the credit cost guidance, which we increased the guidance this quarter. So does this credit cost is eventually for bucket movement or fresh stress, which can still be or which is still there in the system? So eventually, I wanted to understand if a PCR will move up from here on?

AU Small Finance Bank Limited CC-Mar25.pdf · 2025-04-22

Sir, two-three questions. One is on the bulk deposits. What I see as a trend is that we have grown strongly on bulk deposit, despite CD ratio being comfortable. Any strategic intent there?

See also the follow-up question was on, say, example, REG, we have grown about 16% quarter- on-quarter. It looks like that we've done wholesale borrowing in terms of deposits and we lend to REG where there is slightly lower spread. So I'm just trying to think why would we grow a little higher in some of these businesses where the market is so tight?

City Union Bank Limited

City Union Bank Limited CC-Feb26.pdf · 2026-02-02

Congrats on a great set of numbers. Just a few questions. One is that what is the growth outlook from here on? So we've seen a very strong loan growth. You had guided in the last quarter that we may also do something around 18%, 20%, more than that. So how do you see that from here on?

And sir, if I want to ask a follow-up on that is what CD ratio we are comfortable on from here on...

City Union Bank Limited CC-Dec24.pdf · 2025-01-31

Sir, just a question on fee side. Our fees to assets has slightly improving volatile, but what is the sense that you go from here on given that the loan growth is still quite decent. But our fee is not that much. Fee to asset is not that much better. So anything on that?

Yes. So we were somewhere -- so if I look at my number what he is asking we were somewhere around 1.0 to 1.1 last year then we moved to -- from 1.1 to 1.2. So is there a trend that can still improve or you -- as you said that maybe are only at about 1.2, 1.25?

IDFC First Bank Limited

IDFC First Bank Limited CC-Sep24.pdf · 2024-10-26

Just one question from my side , on the credit card business, so just wanted to check , basically when you scrub the data and do data analytics and see what kind of a customer profile is, if you can highlight 2-3 issues, what is happening suddenly in the industry for last, say 1-1.5 quarter, 2 quarters in terms of what has changed and if you can also highlight how we have been immune in terms of , one or two reasons where we have been cautious for in terms of the credit card business?

IDFC First Bank Limited CC-Jun24.pdf · 2024-07-27

Sir, two questions. One is that the industry has seen a bit of NPAs in the unsecured piece, and we are one of the significant players. What is the reading from the early indicators, if this can move up further, any geographic concentration? And is this driven more by the early age group of borrowers?

But sir, any age group which is driving for the industry, because a lot of millennials and everybody is raising money from , or borrowing money from even the fintech lenders. So anything there we can call out?

The Federal Bank Limited

The Federal Bank Limited CC-Dec23.pdf · 2024-01-16

Hi, sir. Good evening. Sir, one question from my side is on the risk weight side. You touched upon it, but when I look at the credit risk, which has gone up this quarter, how much will be from the changes from RBI? And how much would be from the regular business growth which we are having in the unsecured. And if you can quantify what changes...

Sure. So that will be predominantly because we have a slightly higher NBFC book, right? So that's because -- unsecured is relatively low.