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
79%
Numeric claims
0
Consistency
—
Question ledger
Piran Engineer · CLSA
partialWe had focused on current account affluent segment where we could, you know, manage a good growth in the current account at the granular level month-on-month, which has resulted in the total growth which has happened throughout the year.
Piran Engineer · CLSA
directThis year the cost has been definitely quite high. In the Q4 also we have to incur a cost of around INR 60 crores. ... This year we are expecting that the cost would come to, I would say, almost 50% to what we have incurred last year.
Piran Engineer · CLSA
directCurrently what was there, the agriculture or the allied agriculture loan that we are giving it are not getting captured into our system. We have made that enable. ... a year ago, it was only 10% or 15% of the EEBs which were coming under the PSL, qualifying for PSL. Now it has already increased to 40%.
Piran Engineer · CLSA
directThe vehicle loans includes two-wheeler as well as car loans. ... majorly it is a salaried segment. ... about 20% of our volume comes from our own customer. ... About INR 3,000 crore is Commercial Vehicles, about INR 1,700 crore is Construction Equipment, about INR 1,800 crore is Auto Loans, and about INR 900 crore is two-wheeler loans.
Gao Zhixuan · Schonfeld
directDuring the quarter we had roughly around INR 60 crore of increase that came through because of the PSLC cost. Apart from that, we had an increase in the IT expenses also, which was also amounting to a similar level of around INR 60 crore.
Gao Zhixuan · Schonfeld
directWe will be working towards seeing how we can gradually keep on improving the ROA towards the guided level of between 1.6%-1.7% ROA by the exit of FY 2027, give or take 10 basis points.
Jayant Kharote · Axis Capital
directtill now there is no adverse effect on collection on account of, I would say either election or war. The collection efficiency, what Rajeev has stated, is still continuing, but definitely a few, I think one, two basis points it comes down during the month of April, but which is quite common for the rate.
Jayant Kharote · Axis Capital
partialBased on the earlier draft circular and December 2025 portfolio, the transition impact we expect is to be roughly around INR 1,250 crores, which as we are allowed to transition it or spread it over 5 years, would translate to about a INR 250 crores per year impact.
Ankit Biyani · Nomura
directOur government deposits on the CASA side would be around INR 6,000 crores out of the total deposits that we have, CASA deposits. ... we do expect at least another 10-20 basis points of improvement over the next 2-3 quarters.
Anand Dama · Emkay Global
partialWe are keeping our guidance unchanged because if you look the last year's performance, so the credit costs have substantially improved, and we have ended up at 2% for the day.
Nitin Aggarwal · Motilal Oswal Financial Services
directthe advances have taken place mostly the incremental growth, 50% of the incremental yearly growth has taken place in the last quarter. ... this quarter had roughly two days less. ... the repo rate reduction that happened in December of 25 basis points, which had an 11 basis points impact on our book.
Jai Mundhra · ICICI Securities
evasiveI think it will also depend upon the profitability appetite that comes through during the year. Of course, wherever there is opportunity existing, we will try to shore up our provisions.
