AU Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
12
Answered directly
58%
Numeric claims
0
Consistency
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Question ledger
Kunal Shah · Citigroup
partialSo, Kunal, we will, we'll be doing application as soon as possible, so I can't set the timeline today because we got the approval two hours back only. But team is on the job, you know, so we expect, you know, maybe in August only, we should be able to file.
Kunal Shah · Citigroup
partialKunal, I would say again, very early in the year, you know, this is just first quarter. Not much unknowns... we really want to stick to our earlier guidance that we should defend our last year ROA, which is 1.6, you know?
Renish Patel · ICICI Securities
partialI think good question. ... So I don't think the risk is there on the growth, you know. The risk may be on the, on the NIM, but and that is why we are creating our goal that, you know, our ROE should be in the range of 1.6, you know, so but even things can go back from here also.
Renish Patel · ICICI Securities
partialSo, Renish, maybe I'll start and Rajeev Ji will just complement... we have started that process now, right? We have taken it, we haven't waited for the year, but we have started doing it from the first quarter itself.
Nitin Aggarwal · Motilal Oswal
directNitin, my whole assessment is that the market, the intensity has gone down because the rate has gone up... I don't think that this will eventually will go and you know, hit our asset quality, you know.
Nitin Aggarwal · Motilal Oswal
directBasically, our gold book was, you know, Sanjay explained it quite clearly, was about a 16.2%-16.4% rate... On the credit card side, mainly the yields are increased due to increase in our term book.
Prakhar Agarwal · Elara Capital
directSo Prakhar, the regulator has the specified CD ratio definition, but we as a bank always want to be very prudent on that side that refinance assets... So for me, that is the real CD ratio, and that is why I commented that we are at 84%.
Prakhar Agarwal · Elara Capital
directSo if you see that, you know, like we mentioned, it was 7.10, from the transition has moved from 7.10 to 7.03. However, if you want to see, understand the savings account and, you know, term deposit differentiation...
Rohan Mandora · Equirus Securities
evasiveSo I think the entire strategy will be discussed and then will be put in the application. So I think we should wait for another maybe three to four weeks to really come out clearly on this agenda.
Pritesh Bumb · DAM Capital
evasivePritesh, again, I want to be honest here that we should wait for another maybe three to four weeks to have a clear-cut strategy on it.
Nidhesh Jain · Investec India
partialNidesh, I think we did mention on the presentation as well that the endeavor would be to sustain it, right? Of course, it's the first quarter. Going ahead, we'll have some festive seasons in Q4, so there might be few bits here and there.
Param Subramanian · Nomura
partialSo I'm confident, you know, of course, there are, there may be some unknowns, variables which we do not know as of now, but our track record says, our overall calculation says that, and being in secure asset mode...
