Questions across 14 calls

Sameer Bhise

JM Financial

AU Small Finance Bank Limited

AU Small Finance Bank Limited CC-Dec24.pdf · 2025-01-24

I have a couple of questions. I mean, I understand we are banking on the secured side of the book to kind of do well incrementally as well. But if I see there is some minor changes on asset quality there sequentially on a growing book. So, how confident are we that that 4Q could actually be better? While I understand it is seasonal, but just wanted some confidence around that and then I will come back with a follow up question.

Just wanted to get sense because it's quite a fluid situation in the segment that we operate.

PNB Housing Finance Limited

PNB Housing Finance Limited CC-Jun24.pdf · 2024-07-25

Thanks for the opportunity and congrats on a good quarter. Just wanted to u nderstand on the Affordable bit, so we have hit 160 branches right now, what is the plan there? Or do you think that we have expanded like meaningfully in last one year , so you would want to take it slow at this point in time?

And just quickly on the Stage-3 ECL change sequential, what could be the reason?

HDFC Bank Limited

HDFC Bank Limited CC-Jun24.pdf · 2024-07-20

Just wanted to ask on the HDFC Limited borrowings that you have mentioned. Is there a case for any repricing in terms of floating versus fixed for what is due for repayment over the next 3 years?

Okay. But you would say a large amount is fixed in nature?

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Mar24.pdf · 2024-05-07

Just one question. What would be the interest rate differential between say first cycle loans and the three-year loan for say 75,000 plus ticket size customers?

Only 1% across the vintage?

Five-Star Business Finance Limited

Five-Star Business Finance Limited CC-Mar24.pdf · 2024-05-02

My question is for disbursal growth for FY25 and maybe a couple of years down below because say if we look at Q4, it is at say 20% on a Y-o-Y basis, how does one think about disbursements and AUM over the next couple of years?

Five-Star Business Finance Limited CC-Sep23.pdf · 2023-11-01

Pathy sir, just wanted to ask on the competitive intensity in our core products. Given that we've been doing so well, have you seen competitive intensity increase and just some sense on the landscape going ahead?

Secondly, in terms of the technology piece , are we like fully live on sales force across all branches now?

Poonawalla Fincorp Limited

Poonawalla Fincorp Limited CC-Mar24.pdf · 2024-04-29

Thank you for the opportunity and congrats on a strong quarter. Also, congratulations to Mr. Bhutada for having delivered one of the most remarkable transformations in recent times in NBFCs. I had a few questions. Firstly being, what still remains as the fundamental pillars with respect to Poonawalla Fincorp after you move ahead? And would there be any scope for improvement with respect to some easy pickings in the business? That would be one. And secondly, given that we are seeing increased regulatory scrutiny and stringent actions in the space as a whole. How is Poonawalla Fincorp placed? Some thoughts there would be useful. Yes, that's it from my side.

This is very helpful. Just one clarification. There is a ₹ 332 Crore profit for this quarter. And the last quarter, net worth was around ₹ 8,075 Crore, but the closing net worth for this quarter is roughly ₹ 8,114 Crore something. Can you explain the difference, please?

Poonawalla Fincorp Limited CC-Dec23.pdf · 2024-01-18

Thanks for the opportunity and congrats on the strong set of numbers. Just wanted to ask about the growth rates. I mean, we are currently running well above our long-term guidance versus the 35% to 40% AUM growth, we are running upwards of 50 %. So, how do you think it over the medium-term and where should we see some bit of moderation and where we should see continued momentum?

Also, secondly, on margins, we are tracking above our guidance. Though they have come off on a sequential basis , do you think you will be able to meet the 10% margin guidance despite a 50 50 secured, unsecured mix going ahead?

Poonawalla Fincorp Limited CC-Sep23.pdf · 2023-10-21

Hi, thank you for the opportunity and congrats on the strong set of numbers. I have a few questions. So firstly, on the provisions, last quarter the discontinued i.e., the Legacy book and the DA book was roughly ₹ 1,750 crore and as per this quarter disclosure the entire book which is clubbed under Legacy and DA is roughly ₹ 2,200 crore, so what explains this ₹ 500 crore gap? Is it from some of the continued legacy products is that a fair assessment.

Which is also reflected in slower growth in LAP and the pre-owned car products on a sequential basis?

Axis Bank Limited

Axis Bank Limited CC-Mar24.pdf · 2024-04-24

Congrats on a good set of numbers. So I think good job on reducing the RIDF concentration in the overall pie. Can you elaborate on how the bank is positioned on PSL with respect to some of the subsegments?

Okay. And most of that has been primarily organic or -- I mean, in terms of PSLC acquisition. Some details will be helpful.

Axis Bank Limited CC-Dec23.pdf · 2024-01-23

Yes, hi. Thanks for the opportunity. Just thinking around this liquidity tightness, I wanted to get thoughts from Amitabh on how do you think from the second order derivative perspective of this phenomenon? Would you worry on potential asset quality issue s? Are we still some time away from that? And what would you see as signals if this kind of persists for a longer time?

And just quickly, can I have a breakup of the gross slippages across businesses?

Bandhan Bank Limited

Bandhan Bank Limited CC-Dec23.pdf · 2024-02-09

Is it fair to assume that in terms of ARC sales, we are largely done in the near term? Or do you think there could be some more for 4Q?

Okay. And secondly, in terms of margins, while you said that we are incrementally into secured retail, which are slightly higher yielding products. But three years out, how do you see from your structural perspective?

IDFC First Bank Limited

IDFC First Bank Limited CC-Dec23.pdf · 2024-01-20

Yes, hi. Thanks for the opportunity. Just wanted to get a sense on the others portion of the loan book, which is roughly Rs. 15,000 crores and growing at a fast clip.

And would this portion be secured or unsecured? I mean in entirety.

Home First Finance Company India Limited

Home First Finance Company India Limited CC-Sep23.pdf · 2023-10-27

Congrats Manoj and team for the good set of numbers. Just wanted to get a sense on the co - lending piece. Can you comment a bit on the ticket size of the origination and probably, how does it vary in terms of what customers are selected across banks, some sense there would be helpful.

And is the portfolio quality meaningfully different from our core segment or it is in the similar ballpark?