Questions across 3 calls

Roshan Chutkey

ICICI Prudential Mutual Funds

HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited CC-Dec24.pdf · 2025-01-15

Firstly, I want to congratulate you for laying out this 17% -18% sort of guidance for VNB growth , very commendable that is. But I want to understand here, how sustainable is this 17% -18% growth say in the face of falling market conditions, when ULIP probably not do very well for us, so is that sustainable? Question two is essentially I want to understand where this 100 bps impact on margins came from for this quarter which was 30 bps to 40 bps for the 1H that you referred to? That was not clear to me. These are my two questions.

What do you mean by repricing of the products? I mean, did we kind of miss out on repricing based on interest rate movements?

HDFC Life Insurance Company Limited CC-Sep24.pdf · 2024-10-15

Firstly, I want to congratulate you for laying out this 17% -18% sort of guidance for VNB growth , very commendable that is. But I want to understand here, how sustainable is this 17% -18% growth say in the face of falling market conditions, when ULIP probably not do very well for us, so is that sustainable? Question two is essentially I want to understand where this 100 bps impact on margins came from for this quarter which was 30 bps to 40 bps for the 1H that you referred to? That was not clear to me. These are my two questions.

What do you mean by repricing of the products? I mean, did we kind of miss out on repricing based on interest rate movements?

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Jun24.pdf · 2024-07-26

Just wanted to understand if you can talk about the delinquency number in terms of number of accounts, how has that moved over the past 4 quarters. Just wanted to understand whether -- is it that there are some chronic cases and the amounts in these chronic cases are increasing or you can ultimately talk about the bounce rates as well. How are the bounce rates doing? And is the bounce rate that you are seeing stable maybe those numbers?

Okay. How about your guidance I mean in December quarter I remember distinctly you said two quarters and things should be all. Where are we now?