Mahrukh Adajania · Nuvama
partialIs the CGFMU audit a forensic audit or a normal detailed audit?
We will say it is a forensic audit. Having said that, we have our views as to who is allowed to conduct a forensic audit.
BANDHANBNK / Q3-FY24 / claim-ledger
Audit the questions that mattered.
Bandhan Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
11
Answered directly
73%
Numeric claims
0
Consistency
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Question ledger
What was answered, and how?
Mahrukh Adajania · Nuvama
directWhere will EEB slippage settle and what is the EEB slippage this quarter?
The slippage of EEB in this quarter, it's INR 993 crore out of INR 1,390 crore. And I also mentioned... 45% of this amount of the slippage of EEB has slipped in the month of October.
Yuvraj Choudhary · Anand Rathi
directCan OPEX-to-asset ratio come down after CBS migration?
The OPEX-to-asset ratio, we are predicted on that at the 3.5%-3.7%. So if we see that in the Q1, it was 3.5%. Q2 has come 3.7%. Again, the Q3 has come to the 3.6%.
Yuvraj Choudhary · Anand Rathi
partialWill NIM remain stable or improve in near term?
I say that this quarter, 7-7.5, we can be like to do. And in March, we have that strategic meeting. We can analyze further on that.
Yuvraj Choudhary · Anand Rathi
partialWhat is the AUM and collection efficiency in Punjab?
INR 714 crore on that entire book. Out of a total book of INR 58,000-odd crore, INR 714 crore is the Punjab portfolio.
Mohit Jain · Tara Capital Partners
directHow did system migration affect slippage and why rest of India worse?
On 3rd October, we migrated to the new system... that day we declared as a holiday... first few days, people got used to the new tab... October, you had the festive...
Ritika Dua · Bandhan AMC
directWhat is the current secured/unsecured mix and how to reach 50/50?
Today's number is in secured is 44.5. And the 55.5 is in unsecured.
Saurabh Kumar · JPMorgan
directWhat is the normal run rate for zero-plus overdue book additions?
At least INR 300 crore-INR 500 crore of addition from zero to the DPD is what we are expecting even for one or two quarters.
Manish Shukla · Axis Capital
evasiveWhat is driving IBPC purchases in housing finance?
The IBPC purchase, this is a good opportunity also to earn some revenue from this portfolio. And this is, of course, a good tool.
Prabal Gandhi · Ambit
evasiveWould margins have declined without liquidity improvement?
When it will like to go to the increase that decrease the CD ratio, cost will increase. But we see that the two other things... will be like to balance gradually.
Jai Mundhra · ICICI Securities
directWhat is the LCR for the quarter?
142%.
Kunal Shah · Citigroup
directWhat is the cost of term deposits raised during the quarter?
Overall TD cost has increased to about 7.4%... the bulk rates have hit a higher number... slightly higher than 8%.