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
11
Answered directly
82%
Numeric claims
0
Consistency
—
Question ledger
Kunal Shah · Citigroup
partialWe already have gone to the level of what now 5.4% credit cost in our balance sheet... we are expecting our credit cost overall, yearly basically, we are north of 6%. It might touch 7% too. That is why we have commented that our overall credit cost of the year would be in the range of 1.55%-1.6%... you have to give us one more quarter because it's just 7% of our book.
Rohan Mandora · Equirus Securities
directOn the MFI book specifically, we had created a INR 17 crore contingency. That continues. We haven't utilized it. ... cost to income... for quarter four or entire year, I'm expecting to be north of 58%, but of course, lesser than 60%... the idea is to really look for lesser than a 55% cost to income in the next two years.
Sameer Bhise · JM Financial
directI would say the collection efficiency for this particular December month has surprised us a lot. And I hope that that will continue for this quarter too. ... December onwards, December, January, February, March, DJFM, as we call it, you start seeing the better performance, recoveries, resolutions.
Madhuchanda Dey · MC Pro
partialI still believe that if we really want to be a good bank, we need to learn about unsecured lending... the long-term strategy won't be so dramatically different. ... the moment we start seeing the interest rate cut and our cost of money getting to a right level, you will see us reaching 2% ROA.
Prakhar Agarwal · Elara Capital
directOur two books, which is Credit Card and MFI, everybody knows that we don't want to grow it again with the mindset of growth. ... secured retail assets are growing in the range of 20%-24%. Commercial banking is growing in the range of 30%. So that remained intact. And all put together, it's around 20%.
Pranuj Shah · JPMorgan
partialIn terms of SMF, we have a microfinance book. We do have the agribanking book. We do have the SMF lending. ... All put together by the support of the government guarantees also. We don't expect that we should have the SMF deficit. ... we might be we should be lesser than cost to income what we will do this year.
Pranuj Shah · JPMorgan
directSo the December number inched up to 98.7%. And that was the second best number in the calendar year H2. ... On the SMA books also, because of our strong staffing now in the recovery vertical... our efficiencies coming from the SMA book, coming from the NPA books has also started seeing improvements.
Ritika Dua · Bandhan
directGold loan regulatory changes... BC model have to be revamped... renewal has been completely stopped in the industry. ... we have the two advantages as a bank. One, we have the cost of money. Second, we have a storage facility. ... I think now it's a level playing field.
Shailesh Kanani · Centrum Broking
directMaybe going forward, maybe around 90% portfolio of microfinance will be covered in this guarantee program. Yes, cost is there, but if we see the overall benefit of coverage versus the cost, right, it is much, much beneficial.
Piran Engineer · CLSA
directWe have started. ... So it was better on the SMA bucket collection efficiency also for MFI. And also, it is better on the disbursement. ... FY 2024, we were about 98.4 on that metric. 99.4% on that metric.
Nitin Aggarwal · Motilal Oswal
partialOur cost-to-income should reach 55% as soon as possible. But I can't define as soon as possible right now because there are too many variables... next year, our focus should be that we should be lower than this. ... endurance is to keep around 70% (PCR), to be honest.
