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
: My question was that do you find any material difference in delinquencies from the book originated by Bajaj and originated by you?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Yes.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Okay. So theirs is better or worse?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Yes.
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Yes, is this better?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: So sir, on the cards, what we were showing the 1 to 10 DPD and the resolution rate there. Now if you look at the resolution rates in that segment,
it's almost 97% and 100%, 100% for the 3 months. And still, the flow-through is pretty high. So would it be fair to assume that these are just the
month-end number and during the month, if there is some slippage that those would have flown through into the higher bucket?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure.
And just second one on the current account circ. Is the impact of that completely over on our books? Or is there some further outflow that can
happen on the current account we may not be having a 10% market share in some of those accounts that you may have account relationships in.
Unidentified Company Representative
This is Renren on the current account circular impact. There is obviously a little bit of gain and a little bit of loss, which is expected. We are working
on both sides of it right now. Most of the impact has been assessed. It may not materially impact us over this period. There is some more impact
left, which is going to happen in the month of August, but it will not be material to make an impact on the overall business.
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AUGUST 02, 2021 / 12:00PM, RATB.NS - Q1 2022 RBL Bank Ltd Earnings Call
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: So sir, in terms of the exit quarter ROA of 1%, is it contingent on business as usual credit costs that we are factoring in for 4Q? Or will it still have a
slightly elevated credit cost in 4Q.
Unidentified Company Representative
No. By Q4, we should come back to reasonably close to BAU credit costs.
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