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
67%
Numeric claims
0
Consistency
—
Question ledger
Mahrukh Adajania · Nuvama Wealth
directAs far as other income is concerned, you're right... Even this quarter, we saw 20% growth in our disbursement numbers on a quarter-on-quarter basis... On the credit cost... we see that it has peaked in this quarter and would come down substantially in Q3 and Q4.
Jayan Kadothe · Axis Capital
directLast year, I think we were at around 4.3% of average assets for the full year... This year, we expect to do better than that... Overall, our guidance has been that we will be below 60% in terms of cost-to-income ratio, and we will be below, say, 4.3% in terms of cost to OPEX.
Jayan Kadothe · Axis Capital
partialThe growth in commercial banking books... is largely driven by the underlying economic activity... We expect that the strong demand should continue in Q3 and Q4... The agenda is not to degrow or grow some book on some basis... We are having a very clear agenda that growth has to come back.
Param Subramanian · Investech
directWhen I highlighted... it was just one state, which is Andhra... We saw good recoveries in terms of slippage have reduced and in terms of good recoveries from NPA pools... We are hopeful that South India markets will come back to be our own numbers.
Param Subramanian · Investech
direct1,000 crores.
Param Subramanian · Investech
evasiveWe are not concerned... It's very early days because GST cut happened last week of September, and we are just two weeks in October... It's difficult for us to comment... The growth is back... Our growth will happen through market share rather than market growth.
Param Subramanian · Investech
partialThe impact of repo rate cut on the yields is done... Assuming no more rate cuts, you would see deposit price continuing to fall for a couple of quarters... Some bit of adjustment for asset mix and some positive benefit on the cost of fund side should help the NIM to continue improving for the next couple of quarters, at least.
Ramesh Varakhedka · ICICI
directThere is no plan to go above a level in commercial banking... Our wheel book is only around INR 40,000 crore... We can still build that book around INR 2 lakh crore... The idea is to become universal to lower the cost, not to change the asset mix.
Kunal Shah · Citi Group
partialEven if you see today, our growth has been 22% YoY on the secured side... We should start seeing microfinance growing from this quarter onwards... You should look at a GLP level... We should continue to grow within two to two and a half times.
Kunal Shah · Citi Group
evasiveIt's too early to actually comment on how it will play out on the exact numbers... The primary reason is that our LGDs have always been lower... On an overall basis, we are not really worried.
Nithin Agarwal · Motilal Oswal
partialWe are confident about this year... We believe that 100 bps credit cost... we all are working hard to be in that number... Next year... too many variables... Our idea is to be around, you know, 80, 85- 90 bps kind of benchmark.
Piran Engineer · CLSA
directIt's about 2.5% kind of a slippage ratio we would have... two and a half to three... I think anything around 2.5%- 3% annualized slippage rate is where we should stabilize finally.
