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
46%
Numeric claims
0
Consistency
—
Question ledger
Shreya Shivani · Nomura
partialNon-par, the way we see it is a bucket of non-par plus annuities... Our annuity actually doubled from 5% - 10%... overall non-par did come down from 21 to 16... The market has actually looked at more higher age customers...
Shreya Shivani · Nomura
evasiveIf you look at TP release is a factor of how the book develops... I don't see that there's a huge shift in terms of the release happening... It's a natural phenomena. I don't see any change in the philosophy.
Shreya Shivani · Nomura
partialAs a marketplace, we get a ringside view of the prevailing risk... we choose our manufacturer partners very, very carefully. Our volumes are not affected and hence revenue is not affected.
Prayesh Jain · Motilal Oswal
evasiveIf you look at Bajaj General combined ratio, it's 200% last year, no. Even the industry deteriorated by about 6%-7% combined ratio... Next year it again depends on how the industry moves.
Prayesh Jain · Motilal Oswal
partialDirectionally all our product segments are now profitable... We expect the trajectory of term to only increase from here on, that should impact our VNB margins only positively.
Prayesh Jain · Motilal Oswal
directThe break even for us would be close to about, INR 1 lakh crores, with the continued mix on, equity versus debt versus, passive. At this point, we are actively considering both the PMS as well as the SIF.
Sanketh Godha · Avendus Spark
declinedYou will not hear any affirmation or otherwise from us on margins if you're going to indicate like this... Directionally we can tell you we are in a positive trajectory... we're not gonna indicate any margin.
Sanketh Godha · Avendus Spark
partialYou should see a better growth than what you saw in our second half... All our businesses are in now a growth trajectory... On the agency side... you should expect it to be better.
Sanketh Godha · Avendus Spark
directOn the portfolio basis, I think assumptions are holding good. You would see there has been a dip in our persistency, and that's what largely is reflecting in assumption change.
Sanketh Godha · Avendus Spark
evasiveReinsurance is not a strategy. It is how you build your book... The approach does not change... Our combined ratio vis-à-vis the industry will answer that question.
Divij Punjabi · Banyan Tree Advisors
partialYes, there is competitive intensity in some businesses like motor, you know, GMC... We haven't yet received any message from the IRDAI... On the alts one... we are planning to file, sorry start the PMS part to start with.
Nidhesh Jain · Investec Securities
directOverall, if you look at it, there was a set of products which were introduced by a few market leaders about 12 months-18 months back... Largely, it is just one bucket that has impacted the entire sector.
