CSB 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
11
Answered directly
55%
Numeric claims
0
Consistency
—
Question ledger
Parag Jeriala · VTO Capital
partialSo I will uh respond to the first question first which is uh business mix and uh growth in gold... Coming to the second question on uh slippage uh yes around 197 crores is the slippage out of that a large part is on the SMA side or retail is starting to come you know it has become flat...
Parag Jeriala · VTO Capital
partialSo uh par I mean number of accounts sometimes is irrelevant... relevant number will be around uh 10 11 accounts okay in theme site retail I'm not talking about retail is a portfolio level but I'm talking about theme...
Nat Shankar · DSP Mutual Fund
partialSo uh you know just to contextualize um when you're talking about bombs where two bombs one is NE going to 3.51 and one is uh um sorry this gross NPA GNPA going to 1.97 okay now both of these are well within the range...
Nat Shankar · DSP Mutual Fund
directYes. So we are looking at three levers on deposit growth. Okay. One is a long haul which is creating retail products creating CASA creating retail customer acquisition... This will take anything between 12 to 18 months.
Akshhat Agraal · Smith Institutional Research
partialSo uh what had happened this quarter is of course uh as a bank when deposit costs are going up and ills are uh falling one has to be conscious of cost management... we put special cost management practices... What specifically happened this quarter is um in fact we did a detailed analysis of the PSL income...
Akshhat Agraal · Smith Institutional Research
directno it doesn't the accounting doesn't work like that unfortunately so uh the take cost eventually will probably be slightly lesser than what it is today... the better way of looking at it is that 8 to 10% of our overall opex will be uh will be technology maybe it will go from go down by one or percentage...
Akshhat Agraal · Smith Institutional Research
partialSo if you look at it uh because of the report rate decrease almost 125 bases happens in the last one a little more than a year. So all of that has flown through me business right... our almost 60% and above is fixed rate loans uh including gold loans.
Akshhat Agraal · Smith Institutional Research
partialSee borrowing cost uh it is linked to so far so far has not really come down that much unfortunately hopefully it will come down over a period of time but definitely borrowing cost has come down marginally...
Akshhat Agraal · Smith Institutional Research
partialSo if you're talking about theme, we are very well collateralized. Um around almost 80% and above is collateralized... we don't even have a SMA account in corporate banking for example.
Parth Mutka · 361 Capital
partialSo on your uh uh deposit uh this thing mix as you rightly said that our B deposit percentage is slightly higher... the qu answer is that we didn't lock in long-term deposits anywhere... if the liquidity situation don't change I don't see how cost of funds will change drastically from here...
Ishmo · Essos IC Research
evasiveYeah, we'll try to touch the luxandra but let's see but we'll definitely be better than where we are right now... Our endeavor is to do that. I think uh uh we should do a lot better than where we are today.
Anushia Rahija · Dalal in Rocha
partialSo on the growth we as I said before already we will be growing asset book somewhere 25% and above okay... coming to the slipage and quality of portfolio question... we know exactly where our customers stand... we have full control on that.
