Stockrabit · Analysts
Questions across 8 calls

Rikin Shah

IIFL Securities

IndusInd Bank Limited

IndusInd Bank Limited CC-Mar25.pdf · 2025-05-21
A few questions. So, the first one was in the notes to account #15, there have been some reclassifications from different P&L line items. Does that impact the P&L? Or it's just mere reclassification, and there is no P&L impact of that? That's number one. The second question is, if you could just quantify the total amount of fraud, which has impacted P&L in the quarter because some of them have been adjusted against each other, the rest are just reclassifications. That's the second one. The third question is, while there was a comment that the corporate loans were strategically just runoff to build up the liquidity. But was there any interest income reversal even in the corporate loans? Because the corporate loan yield has also dipped from 8.8% to 8.07% in the quarter. So those are my main questions. I have a few data keeping questions, which I'll take probably offline.
The reclassification to corporate would have happened only if there was irregularity in some recognition on interest income there, right? Or is there some ad hoc reclassification done towards corporate?

IDFC First Bank Limited

Axis Bank Limited

Axis Bank Limited CC-Mar25.pdf · 2025-04-25
Yes. Thank you for the opportunity. Two questions. The first one, Puneet, could you clarify what are the tweaks that we are making in certain accounts, which would impact the asset quality next year? And did I hear correctly that the implications of this would be visible in upgrades and recoveries in FY '26? So that's first one. And second one, for your repo linked loans, the repricing happens once in the quarter, or that was a generic comment for the overall loans, right? So do you have a pattern of towards the end of the quarter, in 1 month, 2 months? If you could clarify that? Those are my questions.
Got it. Thank you, Puneet.
Axis Bank Limited CC-Sep24.pdf · 2024-10-17
Thank you for the opportunity. I have three questions. The first one is on the SLR investments. There was a marked jump sequentially in the SLR investments that we are holding. Is this a function of the higher run -off rates that we have applied on some retail deposits and to shore up the LCR? The second question is on asset quality. While you've called out, Puneet, that the gross slippages are largely from retail, if you could provide some additional color as to whether it's coming only from the unsecured or there are other retail segments, whi ch are contributing to that as well? And a sub-question would be that the recoveries while they have improved sequentially, would you say that there is still some more catch up of the lower recoveries that we saw in 1Q to come through in the second half? And the last question that I have is on the draft RBI norms, which were announced recently and specific to the subsidiaries are not allowed to do overlapping businesses. So some of your subsidiaries would be in the lending segment? And what is your preliminary assessment or understanding of this guideline?
Just one subpart, one was on the recoveries, while it has improved sequentially, but the shortfall from the 1Q, would you say that there is any further catch -up remaining on that? Or this should be general normalized trends going ahead?

Karur Vysya Bank Limited

Karur Vysya Bank Limited CC-Dec24.pdf · 2025-01-20
Good evening sir. Thank you fo r the opportunity. I have four questions. The first one is on the statement that you made in your opening remarks that the regulator has been tightening certain regulations pertaining to the gold loans. If you could elaborate on what exactly is the requirement and what are the business process changes we have done to comply with those regulations? So that's the first one? The second question is on restructured provision that we took in this quarter. I noticed that the restructured loan book has gone down. Any particular account against which we have provided? The third one is on your internal estimates what would be the ECL provisioning impact, if at all, there is any? And lastly, in terms of -- sorry, I forgot the fourth one. I'll probably come back in the queue once I recall that?
Got it. And just to clarify on my first question, while tracking the end use for the gold loan is what we have already implemented in our process. Is there a requirement from the regulator to convert the gold loan EMIs like gold loan repayment by customers in the EMI format rather than the bullet format? And are the gold loans allowed to be rolled over before issuing the new loans? Those are the two extended questions on the first one? And I just recalled a couple of other clarifications which I wanted was the MFI partnership with a few BCs. You did mention that we are entering in the states where the s tress signs are not there. If you could elaborate which are the states where we are venturing into MFI? And lastly, if time permits it would be great if you could also talk about what's the provisioning policy that we follow in terms of when we write off and what are the pr ovisioning when the loan becomes empty in different segments? Those are all my questions?

RBL Bank Limited

RBL Bank Limited CC-Dec24.pdf · 2025-01-18
A couple of questions. So while we acknowledge that the collection efficiency has improved sequentially, but it is still only current bucket collection efficiency, which usually has to be well north of 99%. So seems like while the trend is improving, there are still going to be significant forward flows. And you already alluded that October, November was weak, but what gives us enough confidence that even 1Q slippages will start kind of trending down ? So that's question number one. The second question is on capital. So while the growth rate is still materially higher than the ROEs, we are still consuming capital. Of course, this quarter, there was an impact of higher risk weights. But how long do we expect that the current capital level will sustain our current growth ambitions and when could we potentially look at next round of capital raise? That's point two. And third one is more data keeping question. If you could spell out segment-wise gross slippage and net slippage for wholesale, cards, MFI and other retail, that will be helpful? Thank you.
Sir, before that if I can just seek one clarification on this. The tighter MFIN guardrails which were going to be implemented from 1st Jan are now pushed out to 1st April. So isn't there a possibility that once the tighter guardrails get implemented from 1 st April, the collection efficiency can potentially further dip down given -- specifically for the overleverage customer profile. So how do we think about that?
RBL Bank Limited CC-Mar24.pdf · 2024-04-27
I have a few questions, sir. Firstly, congratulations on the steady execution of the strategy that you have been outlining for a while. Firstly, I would want to understand in FY'25, given the further execution on the parameters that you have outlined, any tangible metrics, financial metrics, wherein we could see some further improvement from the current levels, if you could guide on that? That's number one. Number two, just a clarificatory question. The employee expense in this quarter seems to have gone down and you haven't reversed the AIF -related provision. So if you could talk about both of them as well. Thirdly, it's on credit card. So we have been talking about entering into more co -branded partnerships, but that has been articulated for some time now, but we haven't seen any announcements and the regulator now doesn't require a pre-approval from them, right? So if you could just talk through what has been the reason for delay in these new partnerships? And the fourth and the last question is on the capital. So with the ROEs of still less than 10% and loan growth almost 2x of that, are we consuming capital? So with the current level of CET1 ratio, do you see a need to raise capital in the foreseeable future? Those are my questions.
Sure. And would you be able to quantify the quantum of reversal and whether 4Q is a more normalized base that we see growing in line with the business in the coming quarters?

HDFC Bank Limited

HDFC Bank Limited CC-Sep24.pdf · 2024-10-19
Just have one question. With faster normalization in the LDR, we are generating excess liquidity on the balance sheet. So, the cash balances have gone up almost by INR750 billion in this quarter. In the past, we have demonstrated to prepay some of the bond borrowings in addition to the scheduled maturity. But this quarter, we didn't see that. So, I just wanted to understand, do you still see those prepayment optionalities available in the quarters to come by or we could probably see for a few more quarters where this excess liquidity could sit on the balance sheet?