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
: Congratulations. My first question is on collections. So you said that the moratorium collection efficiency would be 97% by end October. Will that
be throughout the whole book as well, or just the retail book?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: And the denominator for collection efficiency will be the total demand, not the collection buckets or any such [sale], right? This is the total demand.
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it, got it. And my other question was that Rahul did explain how NIMs in the corporate book was good. So how do you explain the pressure on
NIMs? So NIMs have declined, but the corporate book has expanded. It's just the liquidity or...
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OCTOBER 17, 2020 / 11:30AM, HDBK.NS - Q2 2021 HDFC Bank Ltd Earnings Call
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: Got it. And just one last question: What is the percentage of customers who have not paid a single installment?
Question: Mahrukh Adajania - Elara Securities (India) Private Limited, Research Division - Analyst
: What was the -- so I mean in the -- so there was a morat book and there will be customers who are not paying any installments. At -- so at the end
of August -- at the end of June, you had given a figure of around 8.5% of customers who have not paid a single installment. So at the end of August
in the morat book, what is the percentage of customers who have not paid a single installment?
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