The Federal Bank Limited CC-Jun25.pdf · 2025-08-02
Hi, good evening, and thank you for the opportunity. Just three quick questions. The first one, we spoke briefly about business Banking and MFI, but would you be able to supplement it with some more color and data , so specifically on business Banking, I wanted to understand what proportion of the book is secured versus unsecured? How much of that is backed by any government guarantee schemes? And how the slippages have kind of moved Y-o-Y. 4Q, y ou did mention it was very strong. And even on MFI, if you co uld talk a bit more about X bucket collection efficiency in April, May, June, and how that has moved in July that will help us to understand how the forward flows are and how much of improvement we can expect in the 2nd Quarter. So, that is my first question? Maybe I will ask the other two questions after this.
Got it. And sir, last question is for Manian sir. Sir, historically, the one comforting factor for the Bank has always been a very stellar and stable kind of outcomes on asset quality. For a much lower share of unsecured loans, we have started seeing stress , 3Q, we took accelerated provisions. Again, this quarter, this is happening and margins given the starting point for Federal Bank itself was low and then you have this cyclical downturn. How do we really think about the ROAs, right? Because you had guided in the analyst earlier that we aspire to improve our ROAs meaningfully. Is this now pushed back given how the macro environment is or would you want to revisit your ROA growth trajectory or guidance? Those are all my questions.