Bandhan Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
10
Answered directly
75%
Numeric claims
0
Consistency
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Question ledger
Hardik Shah · ICICI Securities
partialIf I grow, say, 1x in EEB, I will grow 3x in the other segments. So that is our very clear-cut strategy, and accordingly, we have framed it. And today, if you look at our figures also, we have already increased our secured percentage from 42% to 49%. So if we continue with this trend only, this 55% percentage what we are focusing will be achieved.
Hardik Shah · ICICI Securities
partialSo it is, yeah, definitely, because as the MD sir has said, we are going for a balanced growth as compared to the EEB that's going to move faster. So definitely, we will disburse in the EEB book in this quarter. And we are expecting a little growth, but not as compared with the last year.
Hardik Shah · ICICI Securities
partialSo maybe the level of slippages would not be 1,196, what we have witnessed in Q3, but it will be substantial. So the thing is that not much improvement in the slippages. It may not be INR 1,200 crore, maybe close to INR 1,000 or maybe like that. But slippages, we are seeing that trend.
Hardik Shah · ICICI Securities
directSo it is mainly two years. Maximum is two years and average is around 18 months. So it varies from one year to two years.
Hardik Shah · ICICI Securities
direct22.95% at the time of the disbursement, yes. On average, the yield for the quarter was about 20.3%.
Hardik Shah · ICICI Securities
partialAs we go more secured and we do more secure business, this NIM is definitely going to be moderated. So that trend is also visible right now also, 7.3%. So it has come down to 6.9% during the quarter. So that will be a little bit more moderated in the coming quarters, no doubt on it.
Roshni · CLSA
directSo the industry is still doing three plus one, but we are doing two plus one. So that is one. Ours is a little bit tougher than the industry. Number two is that the industry is giving a DPD of 60 days, whereas we are taking it as a 30 days.
Roshni · CLSA
directYeah, so the interest reversal for the quarter was around INR 69 crores.
Vinayak Agarwal · Jefferies
partialCredit cost has very little to do with the secured or unsecured advances. Credit cost is more dependent on two factors. One is your total advances and the loan loss provision... we have an internal target of achieving a credit cost of 2%.
Vinayak Agarwal · Jefferies
directThe collection dip that happened in quarter three as compared to quarter two was marginal, specifically in certain geographies of UP, Tamil Nadu, Maharashtra, and Gujarat for us. But what we have seen is in the month of January, the collection efficiencies have been better in comparison to December month.
P.V. Jayaprakash · L&T
directOur Karnataka portfolio is only INR 740 crores out of a total EEB portfolio of INR 56,000 crores, which is very, very small, and only 13% of which is now delinquent. It is more or less, as we have been telling, that what is happening in the rest of India, apart from Bengal and Assam, the trend is almost in line with that.
