AU Small Finance · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
38%
Numeric claims
0
Consistency
—
Question ledger
Res · ICICI
evasiveYeah, this is these are normal uh 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 uh the risk assessment whether what amount is covered through our security and other thing uh through recommendation has been provided. So there's nothing specific to it, right?
Res · ICICI
partialYeah. Hi Sanjay. So you know in terms of liability you know u we are not focusing on one one data point or you know one way of building it up right it is it is a combination of uh three four variables like you know one is how much you want to raise the cost of money you know how you want to play your kasa how you want to play our retail versus wholesale you know the overall CD ratio...
Kunal Sha · City Group
partialso so canal obviously you know uh we know that Q4 is always seasonally strong right so that 1.8% 8% also uh you know reflect that strong seasonality u you know our goal would be to maintain this ROA or achieve this ROA on a fullear basis for next year...
Kunal Sha · City Group
evasiveso I think on this side right so 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
Mitaral · Modila Los
evasiveNothing. So, so let me answer first you know. So I think why we have given you the more elaborate uh you know uh uh I think description from in our uh uh presentation and of course by our CFO Goro because we are investing lot in our tech you know...
Mitaral · Modila Los
partialI think the first benchmark should be that can I do around 3.5 you know and and that in three to four three to five years right but so I think you know it's so difficult to reduce your cost you know somehow but I think the tech is is able to give us that hope...
Mitaral · Modila Los
directI would advise anybody that you should actually build a this quarter credit cost as an overall cost for next year you know uh and uh if you ask me uh you should build it around 90 pips or maybe in that range
Jiant Karote · Access Capital
declinedguideline has just came in right and we haven't it's exactly the same it's exactly the same old draft and I'm so sorry to to give any any guidance around it you know you have to take us give us some time
Jiant Karote · Access Capital
partialNo. So I think uh if you ask me uh the the most important strategy which we work on daily basis u or maybe in exhibition or any meeting or any reviews around library franchise and uh and I think you you would have seen that you know at this level also without having a right to win in those markets you know we are able to grow our liability franchise this year too by 23%.
Pesh Kum · Dam Capital Advisers
partialI think uh you know uh if you look at our Q4 numbers it will tell you the exact story we we've always been very very strong on retail assets commercializ you know assets have been rainbound large part of that was coming from our unsecured piece which was credit card and MFI. Now both businesses are settling down right
Pam Subramanan · Invest
partialUm so I think on this uh specific thing margins right so I'll repeat what I uh said earlier right on cost of funds I think uh we've said that you know this uh quarter cost of funds may have bottomed out with the rate increases we have taken right
Ashes Sonj · Kotak Securities
partialSo I think the long-term target or the long-term I would say uh the way we are pushing internally that our rate should the our cost of money should be around the repo rate prevalent at that time. So if you ask me uh at this time the repo rates are 5.25 and my cost remain around 6.75
