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
25%
Numeric claims
0
Consistency
—
Question ledger
Renish Bhuva · ICICI Securities
evasiveThese are normal, you know, these are not some high-value specific cases. These are normal business banking working capital cases. We assess the risk, you know, assuming that, the risk assessment, whether what amount is covered through our security and other thing, through recommendation and is provided. There is nothing specific to it, right?
Renish Bhuva · ICICI Securities
evasiveIn terms of liability, you know, we are not focusing on one data point or, you know, one way of building it up, right? It is a combination of 3-4 variables like, you know, one is how much you want to raise the cost of money, you know, how you want to play your CASA, how you want to play your retail versus wholesale, you know, the overall CD ratio.
Kunal Shah · Citigroup
partialKunal, obviously, you know, we know that Q4 is always seasonally strong, right? That 1.8% also, you know, reflects that strong seasonality. You know, our goal would be to maintain this ROA or achieve this ROA on a full year basis for next year.
Kunal Shah · Citigroup
evasiveI think on this side, right, there was some IT refund. I would not say that was material to the overall movement. It helped by a tiny bit, but nothing specific to call out there.
Nitin Aggarwal · Motilal Oswal
evasiveI'm not able to imagine that what kind of cost reduction that AI will do us because it's a very early stage. ... To get to some number is difficult, Nitin, in this call. Maybe down the line one year you will be able to figure out that, you know, how much it will help us.
Nitin Aggarwal · Motilal Oswal
directI would advise anybody that you should actually build this quarter credit cost as an overall cost for next year, you know. If you ask me, you should build it around 90 basis points or maybe in that range so that, you know, it allows franchise to have some kind of risk-taking capability.
Jayant Kharote · Axis Capital
declinedECL guideline has just come in, right? We haven't- I'm so sorry to give any guidance around it. You know, you have to give us some time.
Jayant Kharote · Axis Capital
partialI think if you ask me the most important strategy which we work on daily basis or maybe in execution or any meeting or any review is around liability franchise. ... We want to become a pan-India franchise. We want to open around 80-100 branches every year.
Pritesh Bumb · DAM Capital Advisors
evasivePCR is not a defined number. It goes by the provisioning policy. There is no change in the provisioning policy, right? The ECL guideline as it would come and we need to follow from first, you know, April 2027. Obviously, some of it, you know, will have a impact on stage one, stage two, but then your accelerated provisioning at stage three might get released.
Param Subramanian · Investec
partialI think on this specific thing margins right I'll repeat what I said earlier right? On cost of funds, I think we've said that you know this quarter cost of funds may have bottomed out with the rate increases we have taken right? ... To the extent that you know Q4 is strong seasonally and Q1 is weaker you won't see this benefit in the next quarter.
Akshay Jain · Autonomous
deflectedYou know, I would say that it's too operational now. You know, we have become one bank and it's not about southern market or north market, you know. ... I think it's not relevant because, you want to judge our overall growth rather than some market growth, you know.
Ashlesh Sonje · Kotak Securities
partialI think the long-term target or the long term, I would say, the way we are pushing internally that our cost of money should be around the repo rate prevalent at that time. ... That's a long-term dream and target, you know, but can't comment that when we'll we reach there.
