Aavas Financiers Limited CC-Feb26.pdf · 2026-02-05
So, when I look at AUM per branch for Gujarat, Madhya Pradesh and Uttar Pradesh, now these 3 states have been showing growth of less than 10%, probably MP being somewhere closer to 4%. Now if you look at the data, even the branches have not been really added over the last 7, 8 quarters in the states. So anything that has happened in the states? Or are the attritions high, is the competitive intensity high? Or do you kind of tighten your credit features? This contributes almost 30% of your AUM, if you could talk about it?
Sir, my second question was on opex -to-assets. So, we are planning to add 25 branches this quarter, probably 6-7 already added, 50 branches next year. So that's a big chunk. So how do we see our opex-to-assets moving? And second related would be on ROE. So our ROEs are still at 14.3%. So on a stable basis, where do you see ROEs reaching in, say, next 2 to 3 years?