Bank of Baroda · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Questions audited
11
Answered directly
77%
Numeric claims
0
Consistency
—
Question ledger
Rikin Shah · Research desk
partialActually, on the margin side, there is no upside risk. What I said, the upside bias. So when I say 3.10, what I'm telling is that we'll try to have an upside bias. That means we'll try to achieve 3.10, not a risk to that, right?
Rikin Shah · Research desk
directIf you look at the GNPA that we announced for the personal loan, the book is small, let's say INR 32,000 crore. And the GNPA for December and September, there is almost a 0.5% increase on the GNPA. In terms of amount, it translates to a INR 100 crore per quarter.
Rikin Shah · Research desk
directYes, there is already actually we rolled back. ... a couple of accounts, four or five accounts, which was there, which was more of a technical ... out of that three already pulled back again today. So if I look at the clean SMA that we have declared, actually it is not 0.49%, now it is 0.19%.
Rakesh Kumar · Research desk
directOur normalized run rate for recovery out of written-off is almost INR 750-INR 800 crore. ... The fall in the recovery in written-off this is the last quarter entering the Q2, Q3 over Q2. It is also supported this time by the higher treasury income and also one tax element.
Rakesh Kumar · Research desk
directIf you look at the core fee income this quarter, the growth is 12.6%. And that is where we want to optimize that. ... Clearly, as a management, as a bank, we are clearly focused on how to optimize on the core fee income.
Piran Engineer · Research desk
directIt is actually. Last time, as I said, there was one account which was a one-off in terms of a recovery of an NCLT resolution. And significantly, the recovery was full in that case, putting a positive interest income impact of roughly around INR 300-INR 350 crore.
Piran Engineer · Research desk
partiallast quarter, we raised infra bond to the extent of 5,000 crore. Put together, this financial year, we have raised infra bond to the extent of 15,000 crore. And we also tap from time to time the competitive refinance from some of the domestic specialized institutions.
Piran Engineer · Research desk
evasiveAs long as it's not a guideline, it's normally difficult to comment on that. Actually, there are matters which are again not crystallized, so we have not framed a stance on the matter.
Mahrukh Adajania · Research desk
directThere is no new normal. The only normal is that the credit cost should be below 0.75%, right? ... maybe a band between 0.5% to 0.75% would likely end in the full year.
Mahrukh Adajania · Research desk
directthere is no, actually, the numbers that we have given is an organic book. So there is no refinancing or anything from private banks on the matter. The numbers that we see is 20% or 19.5% on the home loan, 16.6% is the organic book.
Kunal Shah · Research desk
partialThe margin is stable, actually. If you look at the nine months margin on international, it is 2.02. And this quarter, it's at 1.83. ... broadly, our NIM on the international would be 1.9-2. That is what we are hopeful going forward we can maintain.
Jai Mundhra · Research desk
evasivethat's very positive that the book increase is 11.8% and the interest income increase is almost 9.7%. See, one instance that would have seen that we are also in the meantime building the quality of the book, right?
