AUBANK / Q2-FY24 / claim-ledger

Audit the questions that mattered.

AU Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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WatchQ2-FY24 · 2023-10-20Back to quarter ↗

Questions audited

Answered directly

67%

Numeric claims

Consistency

contradicted

Question ledger

What was answered, and how?

Bhavik Dave · Nippon India Mutual Fund

partial

Rationale for merger and impact on yield/margins

I think it's a testing time for us, and I strongly believe that we will sail through it. There will be some couple of more quarter challenges. But in the long term, I strongly believe that we are on the course of our March 2027 agenda.

Renish Bhuva · ICICI Securities

direct

Reason for sharp jump in fee income and sustainability

It's a sustainable business. Mainly, it's related to insurance, where we have the other insurance partners, and our insurance income, insurance business is also increasing.

Renish Bhuva · ICICI Securities

direct

Risk of growth derailment due to merger integration

I don't think that there would be any derailment because Rajeev and his team is also very capable... Fincare Bank will become Fincare unit, and they will continue to work as usual.

Rohan Mandora · Equirus Securities

direct

Key strengths of Fincare beyond geography and MFI

The team which we are getting is tremendous... they have shown their entrepreneurial mindset to come up with all those challenges... they are banks, so they are well-governed.

Rohan Mandora · Equirus Securities

evasive

Comfort with SFB status till 2027 and universal bank plan

I think we are walking on that path where the franchise will become a formidable force in coming years.

Nitin Aggarwal · Motilal Oswal

direct

Strategy on securitization and PSL compliance

Our strategy this year is more to sell non-PSL as compared to priority sector assets. So far, whatever we have securitized, bulk of it has been on the non-priority sector lending book.

Nitin Aggarwal · Motilal Oswal

evasive

Universal banking license plan post-merger

Nitin, again, I repeat, one at a time, you know? So the idea is to really build a bank with all-round capabilities... once we settle down, we will look for the next thing.

Anand Dama · Emkay Global

direct

Reason for INR 700 crore fund infusion in Fincare

Fincare was about to launch their own IPO... they were supposed to raise capital and they're high leveraged... they need a capital for their own business as usual.

Anand Dama · Emkay Global

partial

RBI's view on acquiring a healthy SFB

We strongly believe that the kind of complementary position we have to each other, the regulator would be... would only support this, but it is their own decision.

Umang Shah · Kotak Mutual Fund

direct

Lock-in for Fincare shareholders post-merger

The holdco is not a part of the entire merger process... it's up to them to decide... we don't really expect a lot of liquidity over the next at least 15-18 months.

Santanu Chakrabarti · BNP Paribas

partial

How MFI book fits AU's pristine credit culture

The world has changed dramatically... the team has done tremendously well to understand the risk... we will provide adequately.

Param Subramanian · Nomura

partial

Reason for large securitization despite strong deposit growth

We plan ourself for whole year basis... it is not that it will be available maybe last quarter... we need to be more smart enough.