Bandhan Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
71%
Numeric claims
0
Consistency
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Question ledger
Prabal Gandhi · Ambit Capital
directNo, there were no one-offs in the other income. This represents the underlying growth that we've seen in the business, brought by increase in processing fee as well as the other elements of other income.
Prabal Gandhi · Ambit Capital
partialSo, yeah, I think as we had mentioned, while the CASA ratio we saw on a quarter-on-quarter basis a decline. On a year-on-year basis, it still represented a good growth. But as we have mentioned, the retail deposits overall, which is retail term deposits plus CASA, remains stable at about 69%.
Prabal Gandhi · Ambit Capital
directSo as guided before, we will continue to maintain our NIM in the range of 7%-7.5%, depending on how the overall interest rate looks like.
Prabal Gandhi · Ambit Capital
directWithin the products, we are looking to improve the share of our secured assets portfolio, and that will be the direction where we are trying to increase that, which would mean that while the asset growth will happen both in the microfinance book as well as the secured book, the growth percentage for the secured book will be faster compared to the microfinance.
Jay Mundra · ICICI Securities
directSo as a part of this strategy, our main focus is how we can grow on this secured book as compared to the other book by keeping a proper product mix. So as part of that strategy, this is the normal growth, and we have taken because you will see our book, you will see the portfolio, the housing finance, the retail asset basically has grown steadily.
Jay Mundra · ICICI Securities
directAs of now, this is a finality to our decision, and this is what we have done and moved ahead.
Jay Mundra · ICICI Securities
directNot as of now.
Jay Mundra · ICICI Securities
partialAs you rightly said, that our DPD pool, SMA 0, 1, 2, put together has been coming down consistently over the last four quarters. And as we stand today, even on YoY, which is almost 50% of what it used to be one year back, that's the good news.
Mahesh Balasubramanian · Kotak
evasiveThe decision was taken before the decision of RBI to put in independent director. Our decision is independent of that, number one. Number two, we wouldn't know exactly what has been the treatment taken by other banks.
Nitin Aggarwal · Motilal Oswal
evasiveAs I mentioned in my opening remarks, the process is very much on, and it is on track as expected. We will continue to update you on any fresh development that comes from this. As of now, I am not in a position to communicate whether we have sent any names to RBI.
Nitin Aggarwal · Motilal Oswal
partialCD ratio, on a year-on-year basis, I've still seen an improvement from circa 95% to almost 94%. Yes. On a sequential basis, we've seen a bit of an increase. But this is a key focus area.
Vatsal Shah · Nicestone Capital
directIn the last quarter, the stress is coming from Punjab and Maharashtra primarily. Though there have been talks of Bihar as well, but Bihar has been doing well across thus far. But definitely, Punjab and Maharashtra are two states which are giving a little bit of a stress.
