Renish Patel · ICICI
directSteady state credit cost for merged entity after one-time MFI provision
I think anything about 1%-1.1% on overall advances and anything around about 70-75 basis points on total assets is where we should work with.
AUBANK / Q4-FY24 / claim-ledger
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AU Small Finance Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
79%
Numeric claims
0
Consistency
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Question ledger
What was answered, and how?
Renish Patel · ICICI
partialNIM outlook for FY25 given cost of funds increase
On a merger basis, our endeavor would be to protect the margins on the overall level for next financial year, at least. ... we want to defend 1.6 ROA next year too.
Kunal Shah · Citi
directIntegration expenses and net worth after merger
Yes. Yes, yes, Kunal. Yes.
Kunal Shah · Citi
directLevers to improve ROA besides Fincare and OPEX
I believe that retail asset ROA will go up. ... The second lever, which I strongly believe, is this that the branch banking has to be more efficient and profitable by building CAR because our CAR is around 5%, right? And even if we increase it by 1%, right, it saves us a lot of money.
Nitish Bhanushali · Investec
partialCredit card business drag on P&L and profitability outlook
We'll not be issuing more than 600,000 credit cards this year too. ... difficult to assess when it will become profitable or when we'll achieve the break-even. But I think one thing is sure that for next two years, it's not getting profitable.
Nitish Bhanushali · Investec
partialIncremental yields on housing and microbusiness loans
After acquiring Fincare, so in South market, we have seen that on MBL business, that team do around 18% kind of yield. So we really want to focus more in South market through the Fincare unit because MBL is more competitive in North nowadays.
Prakhar Agarwal · Elara Capital
directYield adjustments made in products and room for further hikes
Just the Q3 of FY and the Q4 of FY, we have an incremental of 27 bps on the rate purely just in the ... vehicle business. ... In the HL business also, we have been able to increase it by 20 bps.
Nitin Aggarwal · Motilal Oswal
partialSustainability of strong fee income growth
I believe that there is only the sustainability is already on the table. It will be more firmed up in coming years.
Param Subramanian · Nomura
directQuarter-on-quarter margin walk from 5.5% to 5.1%
Last quarter's margins had one-off impact from the securitization income, which we had taken for an additional month last quarter because of the matching principle that we followed. So it was one-time adjustment. ... The last quarter's margin should ideally be looked at as 5.3 after adjusting that.
Manish Shukla · Axis Capital
directMicrofinance lending rate and impact of potential RBI yield cap
Our lending rates in microfinance are about 25% at this point of time. ... banks are typically not governed on a margin or a pricing cap for any portfolio.
Aravind R · Sundaram Alternates
directCredit card expenses not declining despite similar acquisition rate
The cost is yes, there was an increment of just 11,000 cards from quarter three to quarter four. That impacts only the sourcing cost, but the rest of the cost remains same because we have already a base which continues to give us cost in the third quarter also, the same base as given the cost in the fourth quarter also.
Pritesh Bumb · DAM Capital
partialTier 1 capital ratio post-merger as of April 1
Total network will be around 15,000. ... Tier 1 capital. So total capital will be INR 14,981. ... It will be around 21%. ... 20-21, more around that.