Questions across 23 calls

Rakesh Kumar

B&K Securities

Union Bank of India

Union Bank of India CC-Sep23.pdf · 2023-10-28

Yes, thank you. Thank you, sir. Thanks, ma'am. A great set of numbers. Firstly, ma'am, this credit yield number for this quarter, so what is that is driving this credit yield number? There is a sequential rise. Previous quarter also we had seen a rise in the credit yield. This quarter also we have seen a rise. And CRR at the moment is not that much. So what is contributing to this rise in the credit yield? So is it the credit composition has changed in the favor of higher yielding advances? If you could explain and what is the longevity of this rise in the credit yield number in the coming second half, if you can help with that, some understanding on that then it would be helpful.

Got it. So, if you can help us understand that in Q1 and Q2, proportion of loans linked to MCLR, what are the repricing?

The Federal Bank Limited

The Federal Bank Limited CC-Sep23.pdf · 2023-10-16

Yes. Hi, s ir. Thank you. Sir, on the MSME loan, like we have seen some reduction, some volatilities there on the sequential basis. So around INR2,000 crores like business banking plus commercial banking numbers. So could you tell us, what is the reason for this -- like this decrease from INR33,000 to around INR31,000 crores number? Especially in the commercial banking, this dip has happened. So any reason for the same, sir?

Sir, this is Slide number 14. We have even MSME business banking plus commercial banking growth of 16%, INR31,000 crores number and similar numbers in the Q1 results, INR33,463 crores. So business banking has grown this quarter also...

IndusInd Bank Limited

IndusInd Bank Limited CC-Sep24.pdf ·

The first question is with respect to the MFI loan book itself. So, what we see is that whenever the book is getting run down, the average loan per borrower, that number is coming. So, what kind of borrower that we are running down? So, also looking at the active Bharat number and the merchant loan client number , so quarter-on- quarter that number also has changed. So, if you could just know that you know what kind of customer we are not referring at this point in time in MFI technology?

And secondly sir when we are running down you know kind of a higher yielding book then what is the reason that there is a rise in the credit risk weight.