Questions across 4 calls

Shweta Daptardar

Elara

Mahindra & Mahindra Financial Services Limited

Mahindra & Mahindra Financial Services Limited CC-Nov25.pdf · 2025-10-28

Thank you, sir, for the opportunity. Two questions. The first one, sorry for harping on the credit cost again. Because you mentioned that the reset will happen now in Q3. So where do we see the credit cost in the near term and do we still see 1.7% in Q3?

Annual, ye s, perfect. That's helpful. Second is , because you made a fleeting mention of diversification, so where do we see the non -wheeled share as the overall as a share of overall AUMs going forward? And besides SME or including SME, which will be which portfolios will be the key levers? Thank you.

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Nov25.pdf · 2025-10-28

Sir, correct me if I'm wrong. S o, don't you think next year, your growth per s ay should exceed 20% so as to release that kind of extra offsetting factor to achieve that 4% ROA from current 1.8% because like Nilesh mentioned, there might be a max little over 100 bps relief from yields and cost of funds improvement. I'm just trying to wrap my head around these calculations. Sorry for harping on it.

Yes. So, in my rough calculation...Yes.

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Jun25.pdf · 2025-07-25

Thank you, ma’am, for the opportunity. I have two questions. So, you mentioned that ECL reset is the outcome of data refresh. So, can you just give some color on new account acquisition of the new portfolio behavior? That's question number one. Question number two, also, if you can provide some color on, if at all, you are facing or witnessing competitive intensities in the EMI portfolio?

So, just a follow-up on the first question. So, while the new portfolio acquisition behavior is in line with your expectations so, it's fair to assume that the increased credit cost is getting impacted because of the legacy or the past customer cohort. So , while you definitely guided the range bound kind of a number, but when are we going to see this parameter, sort of peaking out in the future?

LIC Housing Finance Limited

LIC Housing Finance Limited CC-Dec23.pdf · 2024-02-05

My previous question was answe red. Just one on NIM outlook. So you had mentioned last time that NIMs are peaking out. So how is the trajectory looking there?

Okay. And sir, because I was also coming from the fact that the incremental cost of funds have spiked. So yes, but you already gave the guidance. So we'll further see 7.7% climbing?