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: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sir, in one of the earlier comments, you had indicated, on the credit card side, we are seeing a behavior change and people are getting short-term
credit from other fintech lenders. So should we expect a difference in -- the normalized ROAs in the credit card portfolio to change incrementally
than what we were guiding earlier? And if so what would be the normalized ROAs that we can expect here? That's one.
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JULY 22, 2023 / 10:00AM, RATB.NS - Q1 2024 RBL Bank Ltd Earnings Call
And similarly, with the branch-based originations that we are doing on various segments now, what normalized ROAs are we looking at for unsecured
retail, secured retail and wholesale?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: (inaudible) impact on ROA is like, because of this, what kind of impact can happen? And also just an added question here was that on the Bajaj
portfolio, earlier, we could not cross-sell asset products. So does that limitation still remain? Or is there a change there?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And the second question, sir, on the segment-twice normalized ROA?
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JULY 22, 2023 / 10:00AM, RATB.NS - Q1 2024 RBL Bank Ltd Earnings Call
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And sir, 2 data keeping questions. What would be the SMA 1 and 2 in retail and wholesale? And do we have any surplus PSLs? And if so will
we look to monetize them through PSLC sale?
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