Bandhan Bank · 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
75%
Numeric claims
0
Consistency
—
Question ledger
Kunal Shah · Citigroup Global Markets Inc.
partialFirst quarter, every year, there's a seasonality which gets the big bubble down. ... So 16 to 18% of our rejections are also coming in where there has been an overall industry default. ... And if you spoke about the geography, for us, because we are more recent in competitors now...
Kunal Shah · Citigroup Global Markets Inc.
partialOn the part of your vintage analysis, if you see slide '21, we beat that 5.2 quarter four FY '24. ... I think this will keep on coming down because our recent book which is showing is coming out to be much better... I foresee that this will somehow will be in the range of 3% and not at the range of four and a half items in time to go.
Anand Dama · Emkay Global Financial Services Ltd
directIn terms of our estimate going higher, this number is primarily happened regarding the right our speaking and he was speaking on the holidays on demand, which was a requirement. ... If you see SME one and two, largely they have been stable.
Anand Dama · Emkay Global Financial Services Ltd
directYou see that 5% one month plus five is hardly any number. It's 2% today... So one month plus three... that is 5%. Now over the period of, I believe, next two quarters, these numbers will come down to sub two sub three number because now we are restricted the value from April.
Anand Dama · Emkay Global Financial Services Ltd
partialOn the retail portfolio, then the old book, which is like mostly the unsecured side, that is showing little test... So this is only the good which is beyond '22 and beyond. It's a card book. Right?
Mahrukh Adajania · Nuvama
directEV segment, you have data proof that your SME one and two remains stable for us. While SME zero got slightly elevated in the month, same month itself is getting recovered. So collection you can you can see. So these are these are basically the holiday impact.
Mahrukh Adajania · Nuvama
directSo I I think it will still take a quarter more for everybody to stabilize this gathering... So my guess is that maybe one this quarter more is more time frame for us to be more cautious and then quarter three onwards, the dispersal will step up. ... It will be in the region of 1015% growth from public loan.
Piran Engineer · CLSA
directCorrect. ... we were not raising demand. So, obviously, demand rate is 11. We were collecting 11. Now we are raising 12 demand, and we are collecting either in advance a week before or if on that particular day, we are not able to collect. We have to go to following week to collect, and that's why that zero to six come in into play.
Piran Engineer · CLSA
evasiveSo we will get more urgent as we know that we have just passed 25 basis points and now this quarter we are passing another 25 basis points. ... So four factors two things about, you know, like I said, the one is clearly the report effect. ... we don't have a specific guidance, but I think these four factors what needs to be monitored.
Harsh Wardhan Modi · JP Morgan
partialI think you're right. We should be able to see, I think, some bit of a compression further in the next quarter. However, we should be able to see some level of stabilization in the second half of this year because of the offset that we expect, especially in the slippage that should start trying to improve.
Jai Mundhra · ICICI Securities
directOverall credit cost of 2.5%, that's what the guidance we have given. We will try to maintain that. Actually, till now, that is our aim. We have not changed the time.
Ankit Bihani · Nomura Financial Advisory and Securities
directI think as I mentioned earlier, we actually have some improvement in the cost of funds. So our actions relating to the reduction in the savings account rates have led to almost 19 basis points reduction in the cost of deposits. ... The second thing is also, sequentially, we feel the shipping has come down marginally from roughly 1,700 odd crores to about 1,540 crores.
