Aditya Birla Capital · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Questions audited
12
Answered directly
63%
Numeric claims
2
Consistency
contradicted
Question ledger
Nischint Chawathe · Kotak Institutional Equities
evasiveSee, Nishant, right now, we are not making any ROE guidance. What we are focused on is that on each one of the businesses, we continue to improve our operating performance.
Nischint Chawathe · Kotak Institutional Equities
partialIf you look at that, it has gone from 2.2 to 2.9 and 2.2 to 2.8, but that's primarily on the reduction in the book. ... It's a denominator effect, and we haven't seen any increase in delinquency in personal and consumer.
Nischint Chawathe · Kotak Institutional Equities
directIt has no impact on margins because of any payout to the distributor that has gone up. ... Largely on two factors. One is that ULIP for the year went to 24%... and the fact that in Q4, the GSEC was lesser...
Avinash Singh · Emkay Global
partialSo these are small-ticket loans against property. Primarily, that's the nature of the business, nature of the loans which we would have acquired. These would be seasoned portfolio where we do 100% sampling, and we cherry-pick the portfolio.
Avinash Singh · Emkay Global
evasiveThe idea is as the book grows further, of course, the fixed costs will get apportioned towards the larger book. We'll get an operating leverage in times to come. And of course, then the ROE will stabilize further.
Avinash Singh · Emkay Global
partialSo the 18.8% roughly is, yeah, unwind. Obviously, our operating variance has been positive for about contributing 1.5%, and it has been positive for the last three years consecutively.
Manoj Bahety · Carnelian Asset Management
directTightening of underwriting, tightening of our scorecards, also the collections infrastructure, and the capacity building which we have done in collections.
Manoj Bahety · Carnelian Asset Management
directYeah. So as I mentioned earlier and even Vijay mentioned that we're looking at 100% COR by FY 2026 in the next 24 months.
Manoj Bahety · Carnelian Asset Management
directWe are looking at in-house distribution for building our personal and consumer business. ... BNPL, you can see the numbers. That's come down significantly. It's almost negligible at this point in time.
Anuj Singla · Bank of America
directWe have given a guidance that we will double our loan book in three years. From March 2023 to 2026, we will double our loan book.
Anuj Singla · Bank of America
evasiveWe should be able to manage both growth and margins.
Bhaskar Basu · Jefferies
directThe customer yield will be 11%-12% for these portfolios.
