DCB Bank · 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
12
Answered directly
46%
Numeric claims
0
Consistency
—
Question ledger
Akit Agraal · Smith's Institutional Research
partialUm mostly the core the core fee income has come from a very decent third party distribution fee income which we got uh the asset growth has been good. So the processing fee by definition looks looks very good.
Akit Agraal · Smith's Institutional Research
evasiveUm okay let's go one by one on this uh BL continues to be uh a large share even more than 60% of the incremental sourcing... The full impact of CRR is not boxed in yet... The full impact of the 25 basis point repo cut has also not been boxed in...
Akit Agraal · Smith's Institutional Research
directwe are doing all that it takes to ensure that net NPA comes down to 1% or below... it's not meant for ECL it's just that you know You see our uh our recoveries and upgrades as a percentage of our fresh flow it is 86%.
Adita · Securities Investment Management
partialSo uh I want you to look at the cood cost deposit on a base of almost 65,000 crores. Okay. on a 65,000 cr base you're dropping 10 bips... the momentum which we'll get will be from continued cost deposit coming down
Adita · Securities Investment Management
directYou would see that our uh ratio of uh retail to bulk remains the same at the portfolio level and and there is no reason to believe that it'll be it'll be any different.
Adita · Securities Investment Management
directIt's a 2,000 cr book. Uh it is not it's not it's not a large book. It's a 2,000 cr book. One second. Which is a mix of all all things... the largest component here will be about a 600 700 cr of uh loan against term deposit.
Suraj Dut · Sundara Mutual Fund
directSo uh as I just checked this out uh the RWA moment is 5% which is similar to the the overall growth of the of the book. So it has grown in similar terms to the to the to the asset growth the QQQ asset growth.
J Mundra · ICSA securities
partialit looks reasonably fair but I I don't want to comment on a quarter four as much as yeah that over the next few quarters that that's exactly the way we see it.
J Mundra · ICSA securities
evasivethere is one one way I can answer that without having to reveal more than I need to which is kindly look at the cost of fund reduction Q1 to Q3... cost of deposit moved from 6 712 to 696. That's a 16 basis point reduction.
J Mundra · ICSA securities
evasiveWe have both a timeline is a timeline based as well as event based. Uh we we are pretty much clear uh of how much we want to take and at what what rate we want to take it. So uh so right now there is no urgency for for for capital
Kushwan Pava · KPAC
evasivethe guidance given was 13.5% ROE for 2627 and 14.5% ROE for 2728 uh we haven't necessarily given our guidance for this current year
Nitarval · Motilwal
evasiveSee since the guidance of 13.5 is given we would like to stick with the 13.5 guidance for the next year and 14.5 the year after... it's okay to be a bit conservative in terms of uh estimation
