Stockrabit · Analysts
Questions across 15 calls

Sushil Choksey

Indus Equity Advisors

Central Bank of India

Central Bank of India CC-Jan26.pdf · 2026-01-16
Congratulations to Team Central Bank and management for the excellent performance and lots of guidance in the press as well as in the presentation and Q&A. Sir, my first question is, in the interview and the commentary right now, you said your growth path is on a very positive track. You were expecting 72% CD ratio at March '26, whereas you have already reached '26 numbers in this quarter. You have already indicated the loan growth number based on what you are expecting to have sanctioned, and what is the kind of disbursement likely to happen? Second thing, can you indicate what kind of ROE, NIM as already guided, you will achieve 3%, ROE, ROA? And is your balance in RAM, which you have indicated again in interviews, would be much better compared to where we stand today in terms of corporate book is growing and RAM would stabilize?
Sir, your commentary is very positive…
Central Bank of India CC-Jun25.pdf · 2025-07-21
Congratulation to Central Bank of India for excellent result and specifically on two accounts, on a sustainable CASA number on absolute figure and secondly on acquisition of Future Generali. So, first, my question on the foundation by the current team is built very well. How well do we see the tower being built in the year and years to come?
So, my question related to your reply, co -lending platform where we are seeing a visibility of almost Rs. 2,000 crores per quarter currently. It would be Gold Loan, LAP Loan, MSME, all these products combined, I suppose. How are you seeing that traction being build? Is Rs. 2,000 crore a sustainable number or that number can increase with more partners?
Central Bank of India CC-Mar25.pdf · 2025-04-28
Congratulations to the team, Central Bank of India for very good numbers and a very successful QIP. Sir, I'm looking to -- we've achieved what we desired in last 1 year, and we have consolidated a path which is getting better for the bank. Can we talk abou t some growth trajectory now we've also launched the super app, so how our consumer bank and corporate bank would behave? With treasury, you're likely to be emerging as a winner in the current year based on the outlook globally and domestically.
And any outlook on the treasury front, how we would be beneficial? Because we have stuck to GSAP as a product of i nvestment in the investment book. So that would result in the super abnormal profit for the current year?
Central Bank of India CC-Sep23.pdf · 2023-10-21
So congratulation to team Central Bank for an excellent performance and stable numbers? Sir it is very clearly it is not that our consolidation and corrective phase is over and now we looking for credit growth which you have already done well on the corporate side . Sir any emerging picture on the retail segment?
Sir I understand that proportion of 65 :35 or 60:40 you have stated in previous calls also what I meant is what kind of new initiative strategy we are doing because we have such a brilliant CASA number of 49.50% on a constant basis if I look at last five to seven years numbers so we have a ability to mus ter much better numbers than where we stand because of the strength Central Bank and the loyalty which the customers have on the deposit franchise ? The same needs to be capitalized so I am asking what kind of strategies have we drawn because of the technology initiatives we have taken?

Union Bank of India

Union Bank of India CC-Jul25.pdf · 2025-07-19
Good evening. Good luck for the year. My first question is to defend the NIM guidance, besides RAM, how do you see you will protect the margin? Because I am sure that low -yielding advances you h ave shredded, which means government accounts like NABAR D, NA BFID, SIDBI, PFC, REC is not of our interest.
Sir, our biggest concern in the balance sheet, where profit margin or credibility of Union Bank can rise, is by strengthening our CASA franchise. And that is a problem which we are trying to address over the last 2-3 years post-merger. How do you see this will shape up over the period of 2-3 years? I am not saying that this year CASA will increase or not increase, but if I take a outlook for FY '27-‘28, how do you see that will strengthen our measures that we substantially gain in the market?
Union Bank of India CC-Dec23.pdf · 2024-01-20
Congratulations to team Union Bank for excellent performance. Ma'am, we've done exceedingly well on most of the fronts whether it was fundraising, margins, profitability. Now, you've taken such good steps as a team. What initiatives are we doing to bring our cost to income down? You've initiated on wealth management, cross -selling. How are we empowering our bank's human resource to be future ready in terms of technology as well as all the new initiatives taken?
Can you quantify the amount and kind of human resource you are building for doing this capability?

Indian Overseas Bank

Indian Overseas Bank CC-Mar25.pdf · 2025-05-02
Sir, congratulations to team IOB on an excellent result and a stable outlook. Second is congratulations also on the QIP. Sir, this dilution, which you answered to the previous question, if I assume that you do INR1,400 crores to INR2,000 crores of QIP, it will take at least another four, five rounds before you get to 75%, which will destroy value of the existing shareholders. So I would urge that the government should consider and the request should go out from the bank that we let the OFS happens so retail participant rather than doing QIP. Second thing, sir, what is the outlook on treasury because this year may be a bumper harvesting year for all banks in India where treasury profits are concerned? And how would you utilize that for growth, the profits? And second thing is, will this lead to that you will diversify to corporate bond, which yield higher and how would you also sustain CASA at the same time with falling interest rate regime, CASA would be a good enabler for growth. What is our strategy to increase the saving deposits?
Treasury profit.

Bank of Maharashtra

Bank of Maharashtra CC-Dec24.pdf · 2025-01-16
Sir, congratulations to the team and Management of Bank of Maharashtra for excellent result on Quarter-on-quarter and year on year. You have been doing amazing work. Our CASA has empowered the Bank to grow so well. How are we monetizing the CASA numbers in cross-sell of third-party products and retail? Retail is showing some traction , but where the third -party products are concerned, which can be a big income to the Bank. How are we capitalizing on it?
Second thing is, as we are moving towards lot of digitization and retail products, so connectivity, I am sure your spend has been quite high in last two years to make you enabler for future. What kind of further expenditure we are likely to incur for furth er digitization as technology evolves and AI and many other things are going to start. So, the Bank will have a continuous budget. So, any plans for further strengthening the Bank's technology platform?

Aadhar Housing Finance Limited

Aadhar Housing Finance Limited CC-Mar24.pdf · 2024-05-30
Congratulations to team Aadhar for a successful listing and presenting this result on a very stable note. Sir, my first question is I heard your media interview and the opening remarks now on the presentation. Can you give some guidance on AUM growth? What is our strategy for growth on a PAN-India basis including states where we are? And some guidance on your borrowing cost and ROE, ROA and spread loan spread?
And what is our strategy forward in business only through direct booking of housing loans or we'll be doing assignments, co-lending and are we going to borrow more from NHB because the borrowing cost is much lower from NHB compared to banks any views on that?

Karur Vysya Bank Limited