The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Sir, can you mean the breakdown of retail slippage, please?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Sorry. Your breakdown of total slippage. Please pardon me. Breakdown of total slippage.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Okay. Okay, sir. Sir, and my other question is that -- so what is the total COVID restructuring in 1 plus 2, including pipeline? I know there is a slide
on it, but I just wanted to reconfirm the figure.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Okay. So basically, there is no pipeline?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it. Got it, sir. The other, sir, I have one more question. Sir, open slippage retail that you gave, can you also break down what is the agri slippage?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Yes. Slippage from agriculture.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: 9% to 10% of group? Okay.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Sir, just 2 -- a few follow-up questions. Firstly, just to clarify again on restructuring. So the INR 13,000 crore is COVID 1 plus 2, INR 4,000 crore is
MSME. And what is INR 5,000 crore?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it, sir. Sir, my other question is that, on your retail loans, non-agri retail loans, what would be the composition of salaried versus self-employed?
And then within salaried, what would be the composition of government versus nongovernment?
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JULY 28, 2021 / 9:30AM, CNBK.NS - Q1 2022 Canara Bank Ltd Earnings Call
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it. But is there -- so is it based on bureau scores? Or is it largely to government employees?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Okay. Got it, sir. Sir, in your movement of NPAs, the upgrades were high. So any lumpy accounts there?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it. But even in COVID, they were then collected?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it. And in terms of Kingfisher, did you have any exposure, sir?
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