Questions across 3 calls

Shubhranshu Mishra

PhilipCapital

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Dec24.pdf · 2025-01-28

So, the first question is around the management position. So, you've got quite a few people as directors from the parent SBI, why do we need someone as MD, who may or may not have requisite professional experience in cards business. Why don't we hire a professional MD, CEO from the credit cards industry to run the business, whereas we can have Board member representation from the parent, will be first? Second is, through cycles, what has been the recovery from write-off accounts in year 1, year 2 and year 3? And third is the number of customers who have 2 cards, number of customers who have 3 cards and number of customers who are 4 plus cards?

What I'm asking is that through cycles, what percentage have you recovered from the written - off pools, not in the last 12, 18 months? Through cycles, what is that number?

Shriram Finance Limited

Shriram Finance Limited CC-Sep24.pdf · 2024-05-13

Two quick questions. The first one is we've got the number of customers on slide #13, which is around 90 lakh customers. But I guess that is the outstanding number of customers. How many customers do we bank on a monthly basis? And of those bank customers, how many customers would have more than two trade lines, not necessarily with us, but a Bureau report which would be accessing for these customers. So, how many of these monthly bank customers would have delinquencies in this PL segment ? So, that was the first question. And if you can just help us with kind of growth in this use CV segment or other CV segment, how do you see growth panning out for the rest of the year in that segment? Thanks.

Two quick questions. The first one is we've got the number of customers on slide #13, which is around 90 lakh customers. But I guess that is the outstanding number of customers. How many customers do we bank on a monthly basis? And of those bank customers, how many customers would have more than two trade lines, not necessarily with us, but a Bureau report which would be accessing for these customers. So, how many of these monthly bank cus tomers would have SHRIRAM Finance

Mahindra & Mahindra Financial Services Limited

Mahindra & Mahindra Financial Services Limited CC-Dec23.pdf · 2024-01-30

Congratulations on the new designation, two or three questions. The first one is if we can split our employees into various functions, frontline guys, collection guys, distributor into the various businesses, and maybe some of them would be into HR function as well. The second is on the housing finance business in the fourth quarter last year, Mr. Iyer had referred to an IPO of the housing finance business three years from then. So where are we on that? As we look at the last 50 odd quarters, the total profit pool is roughly around INR1,000 crores, which is around maybe 9% to 10% of the stand -alone profit that we made from MMFSL. So it looks like capital misallocation. So one, do you really intend to run this business in the medium term or maybe have a strategic investor coming into running the housing finance business with us? And the third part would be, when we look at the PCR, which is roughly around 60%-odd. Now we are running a fairly secured book. So 60% in ECL would pretty much mainly LGD. So having an LGD of roughly on 60% running a majorly secured business seems out of that? Thanks.

Yes. So on ECL essentially the Stage 3 provision coverage ballpark the LGD, right? So if we are running a fairly, largely secured book, which is asset finance we are largely asset financiers, 60% LGD seems out of whack. That's my question.