Axis Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Questions audited
11
Answered directly
41%
Numeric claims
0
Consistency
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Question ledger
Chintan Joshi · Autonomous Research
partialWe manage our balance sheet on a duration basis. We have a tightly matched duration on assets and liabilities. On rate transmission across assets, we are policy-led. On liability repricing, we've done savings account rate cut and moderation on retail term deposit rates.
Chintan Joshi · Autonomous Research
evasiveWe do not offer comment on how much of that money stays retained. You will see that visible in our quarter one reporting number.
Mahrukh Adajania · Nuvama Institutional Equities
partialWe have written back provisions of INR 801 crore on security receipts. We have INR 537 crore of interest not booked. The provisioning policies remain the tightest. We tweaked how we classify assets at the margin, relating to one-time settlements.
Anand Swaminathan · Bank of America
partialWe had a specific plan over six quarters. At the end of six quarters, we came a bit ahead of the plan in terms of the synergy benefits. It ticked all the boxes. Additional benefits were improving premium base and seasoned credit card customers.
Kunal Shah · Citigroup
directYes, you heard the comment correctly. The card portfolio is stabilizing, and the personal loan portfolio will take a few more quarters to show improvement. The vintages have not matured enough for a concrete outlook.
Kunal Shah · Citigroup
evasiveUnderwriting is not an exact science. The card corrections have started playing through. We do not think there is further color that we have at the moment to offer on the P&L portfolio.
Kunal Shah · Citigroup
declinedWe do not offer guidance. I think Amitabh has said how we see our business shape up and the confidence that we have in the franchise, we do not have guidance to offer for FY 2026.
Abhishek · HSBC
partialIf the liquidity in the system continues to be there, it will hopefully flow through growth in deposits. We do believe we have the franchise to grow retail asset classes. In a constrained deposit environment, we give limited money to highest ROC assets.
Harsh Wardhan Modi · J.P. Morgan
directWe've done a fairly elaborate bottom-up work on impact on tariffs across industries. At this point in time, on everything that we know around tariffs, the impact on the portfolio is negligible.
Rikin Shah · IIFL Capital Services
partialWe have said the way we look to we are getting more stringent on how we classify accounts, not upgrade accounts. An example is how we deal with one-time settlement. This change could impact FY 2026 slippages over FY 2025.
M B Mahesh · Kotak
evasiveIt will be marginal. It will not be exponential. It was argued you could flag it off, so we flagged it off.
Ankit Bihani · Nomura
directThe day impact is negligible to non-existent in our book. The four basis points improvement is improvement in asset quality, two basis points. Improvement in spread, two basis points. Also, spread improvement to two basis points.
