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: Utsav Mitra - Falcon Edge Capital, LP - Analyst
: My question is when do we expect to hit 1.6%, 1.7% ROA adjusted for tax. So if you go back to the pre pre-tax cut, a guidance of 1.5% ROA and
16%, 17% ROE if you adjust for tax, you move to 1.6%, 1.7% ROA. How far are we from that in your own estimations as you do your business planning
and forecasting?
Question: Utsav Mitra - Falcon Edge Capital, LP - Analyst
: Got it. And the key movers being the credit costs will come down to a more normalized level and your OpEx would come down as well? Would
those be the key movers?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: So I wanted to understand on the NIMs impact due to interest reversal of 50 basis points. So given the slippages that we talked about, even including
Supreme Court delay deferred NPAs, the impact of reversal seems to be pretty large. So if you could explain and help understand where this INR
90 crores is coming? And you are guiding for a similar number for next quarter, what will be the reason for that?
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OCTOBER 28, 2020 / 11:30AM, RATB.NS - Q2 2021 RBL Bank Ltd Earnings Call
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Right. So it's not only in the INR 235 crores, but additional portfolio outside of INR 235 crores as well?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: That we have taken interest reversal. Okay.
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sorry?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure, sure. Sure, sir. That's it, sir. And sir, on the card footprint, just the expected delinquency that we are talking about, obviously, one of the
participant asked earlier. But within the self-sourced portfolio vis-a-vis the externally sourced portfolio in the cards, some color on how has been
a delinquency mix within that or the expected delinquency mix within that?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure, sir.
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