Bajaj Housing Finance · 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
88%
Numeric claims
0
Consistency
—
Question ledger
Shabbranch Mishra · Philip Capital
directIHL we enter 50.45... prepayments in HL quarter 4 had been the same trend as quarter three... BT out would be in the range of 12 10%... largely the banks. Public sector banks are the largest company.
Shabbranch Mishra · Philip Capital
directregulations is 50 and 60 as long as you are above 50 and 60 there is no ticker... there's no single month till now in our history where we have not maintained the regulatory requirement... portfolio acquisition can be pursued co-lending can be pursued.
Gorav Khandelwal · JP Morgan
partialmargin decline of a 12 beeps is largely by lower acquisition price and also 15 beeps of a pass through... home loan the acquisition front the yields have compressed because of a competitive intensity... lowest sourcing is in line with whatever public sector bank lowest sourcing will happen.
Gorav Khandelwal · JP Morgan
directyields in quarter one there would be slight compression... through the year we will see some contraction in the margin which will get partially offset by opex efficiency and partially offset by lower loan losses.
Gorav Khandelwal · JP Morgan
partialwe should be in the medium-term range with a bias towards the hitting the upper end of the medium range in the ROA... we'll give a full assessment for the year in along with the quarter one call.
Gorav Khandelwal · JP Morgan
directWe generally borrow between 3 years to 5 years... CP is hardly 2 3% of the book... on average would be around five six months.
Ra (Ravi?) · Ambit Capital
directhome loans would be around 850 860 corridor... lab would be around 150 basis points above that... LRD around 798% corridor... developer finance would be 11 and a half 1175 forever.
Ra (Ravi?) · Ambit Capital
directwe have borrowed a three-ear NCD at the coupon rate is 7.5 7.6... we should see a minor reduction sideways but a minor reduction towards a minor reduction in the cost spend in the quarter one from quarter 4.
Ra (Ravi?) · Ambit Capital
directincremental will be 8258... spread compression but not resulting equally to ROE completion because partial offsetting through the loan loss... ROE compression of around 10 weeks.
Viral (Vir?) · Capital (likely)
directI don't think the scenario of a cut of rate is over... floating rate borrowings are today 63%... if there is a policy rate hike it has never happened that there is no pass through.
Viral (Vir?) · Capital (likely)
directall the bounce metrics also are showing a downward trend... there is no microlevel stress we are seeing... we just thought that it is better that internal stage two... increase our stage two coverage purely from a prudence point of view.
Viral (Vir?) · Capital (likely)
partialclose to 9,000 cr is the sambar vium... the mix you asked for... I'll come back to you with that.
