Questions across 5 calls

Sameer Bhise

Dymon Asia

City Union Bank Limited

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

Congrats on a fantastic set of numbers. Just wanted to understand the provisioning breakup for this quarter. Given that it is slightly higher on a sequential basis, does it also involve any floating or standard asset provisions? I can also see that PCR has gone up. But if you could elaborate the thought process here, I think it will be helpful.

Yes. Okay. Fair enough. And secondly, if one were to look at incrementally, how should one look at slippage ratios going ahead because we are entering -- we are now on a reasonably strong growth trajectory and also share of retail assets continues to inch up. So if you could comment on that, especially for FY '27, if you can share some thoughts, that will be great?

City Union Bank Limited CC-Mar25.pdf · 2025-05-02

Hi, thank you for the opportunity, sir and congrats on a steady quarter in a difficult environment. Just wanted to kind of ask on the growth outlook, I understand you have done a reasonably good job coming to around 14% plus kind of growth, but if one were to look at FY '26 assuming that there is more supportive regulatory environment with respect to liquidity and even the growth stance of the regulator, also we are in a better shape with respect to the CD ratio. Is there upside risk to your growth expectations and especially if the whole retail exercise kind of plays out the way we are expecting it to?

2%-3% than the year where we ended?

Aptus Value Housing Finance India Limited

Aptus Value Housing Finance India Limited CC-Nov25.pdf · 2025-11-01

First of all, congratulations, sir, for a stable set of numbers in a difficult environment, especially given what's happening with respect to the weather changes, etcetera. I had a quick question on the medium-term goal of INR25,000 crores of balance sheet in terms of loan assets. Just wanted to get your sense on how confident is one, to reach this number given the current macro setup? Or would you require a meaningful pickup in macro to kind of reach there? Or given with current setup, current productivity numbers, current branch addition plans, we remain confident of hitting that over the medium term? That's one. And secondly, as the prior participant, Nidhesh, asked on the credit cost impact due to policy change. One is obviously the flow part. And secondly, it's the stock part on the current set of assets. Is it fair to assume that the impact on this quarter was mainly due to the stock impact on the policy change and flow impact incrementally should be lower? That's it. That's all from my side.

Sure. And secondly, on growth, sir. Yes.

IDFC First Bank Limited

IDFC First Bank Limited CC-Sep25.pdf · 2025-10-18

Congrats on a steady quarter. Just had an observation that if you kind of look at some of the peer banks and where we started this quarter around the previous earnings call, obviously, the margin performance has been quite better than what we thought at that point in time. But some of the peer banks probably have kind of even reported expansion in margins. So I think how would you kind of look at it on a comparative basis? Obviously, we haven't cut SA rates, but that just gives us additional ammunition. But have we kind of seen relatively slower decline in cost of funds? If you could elaborate on that?

Got it. Got it. And secondly, just to pick your brains on the ECL plus EIR combined impact. Would it be fair to assume even if the net outcome is, say, marginally negative, it should not be meaningfully impactful on the ROA, maybe say single -digit basis points. Would that be a fair assumption?

LIC Housing Finance Limited

LIC Housing Finance Limited CC-Mar25.pdf · 2025-05-16

Congrats on a good set of numbers. Sir, just kind of probing on the whole interest rate things again. Given that we have partly passed on the rate cut on the asset side right now, do you think there is a case that as we go down the rate cycle, there will b e a period when in the at least in first half of FY '26, we could have a bit of a compression on spreads, which is probably more pronounced than before and then hopefully, we recover towards the end of the year. Is this the right way to think about it?

On a full year basis -- so this is on a full year basis, we ended at 2.72%, 2.73%. How should we look at probably -- if you could give some sense on how the transition could be through the year?