Bajajfinsv · 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
42%
Numeric claims
4
Consistency
contradicted
Question ledger
Prakash Kapadia · Spark PMS
evasiveIf you look at Bajaj Finserv over the last twenty years... we have a very clear focus on underwriting profit throughout combined ratio and risk management. This business is not just about GDPI growth, it is a combination of growth and how you maintain profitability and risk is more critical to this business.
Prakash Kapadia · Spark PMS
evasiveAs I said, I never give you, you know, in calls micro numbers. But broadly, as I said, if you look at the combined ratio as a company, it will still be among the lowest in the industry, no? And the ROE over 20% if I remove shareholders.
Prakash Kapadia · Spark PMS
evasiveWe should not be blaming the government... The process of TP price hike is, data is sent, from the industry to the regulator... the regulator looks at it... then they recommend it to the ministry... As of now, I think for the past years, they did not see a merit in the increase, and that is what happened.
Mayank · Emkay Global
partialIf we see a price hike coming in, then obviously our strategy would change. If we don't see, then we would be cautious in that business. And that's why you see our growth lower than the, you know, market growth in motor. But that is, as I said, this is fine with us.
Mayank · Emkay Global
partialI'm happy to say that today we have about eighty partners, and about... within this, about twenty-two banks with who we are already on the credit life side. But having said that, there has been, while we've grown because of a smaller base last year, the color is different shades within this business.
Supratim Datta · Ambit Capital
partialPlease don't ask questions on micro level of claim ratio bifurcation. Those I would restrain my comment on because the business is strategic... Whatever is available in terms of the loss ratio, it is in the public disclosure of GI business.
Supratim Datta · Ambit Capital
partialIf the TP price does not happen, and with the inflation of costs, that actually is the reason why you have to still look at segments which make sense and be there. As a company, we have a substantial share in the new vehicle sales, so I don't think I would see a huge difference from the current level of growth.
Supratim Datta · Ambit Capital
directLast quarter has been an abnormally good month in terms of top line... we will be back to predominantly traditional product mix. That's where Bajaj has always been. I don't think it's a clear indication that people are kind of cash-strapped.
Dhaval · DSP Mutual Fund
declinedI think you, as you correctly said, you missed my opening remark, in which I had said that we have made an announcement. It is Allianz's decision to exit. They have informed us. Beyond that, we have nothing more to communicate at this stage.
Dhaval · DSP Mutual Fund
partialYes, some delaying for a quarter, or two here and there, should be the only outcome of this. Directionally, we are committed to moving our NBM margins or... NBV is what we look at, and that is what you will see moving in directions.
Prayesh Jain · Motilal Oswal
directIf you are changing the mix of class of business, which is higher loss ratio and you're moving the mix of businesses, you know, lower loss ratio... then overall your loss ratio will improve. That is how it goes, and you see that we have been doing it now for quite some time.
Sanketh Godha · Avendus Spark
partialFor Bajaj Allianz, I think we have been safely under the EOM norms, and still are very comfortable because we are much, you know, I think we are not even close to thirty, we are much below that. So I don't think there is any pressure on EOM to make a decision, from our perspective.
