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: Parameswaran Subramanian - Macquarie Research - Analyst
: Sir, my question is on incremental card volume market share. So if I'm looking at card volume market share, it's down about 100 basis points over
the last 10 months odd. Is this something you're concerned about and could this translate the spend going forward? Or do you think this is more
a low value spend card being added by the (inaudible).
Question: Parameswaran Subramanian - Macquarie Research - Analyst
: Got it, sir. Sir, if I could ask, again related to that question, is there an aspiration to be the number one player on a volume basis for SBI Cards? So,
you obviously have the parentage, the brand, the bank's customer base. What is holding back SBI Card from being the number one volume card
issuer in the country?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sir, a data-keeping question that I had was in terms of the new categories, which have come up post-COVID, what would be the contribution in
total spends from them, where the used cases where the spend momentum has improved?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: 10% to 20%, okay. And sir secondly, what will be the....
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sorry?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And sir what will be the average -- different in the spends per active card in Banca versus non-Banca and also the revolve rates?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And sir, lastly, the spends which are getting converted into EMI, what would be the average ticket size in that? Like what kind of spends
averages get converted into EMI, some ballpark range?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: 20,000 to 25,000. Sure, sir.
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