SBI Cards and Payment Services Ltd Q2 2024 Earnings Call Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Sir, just to touch base upon the delinquency part again, in the initial remarks, you had indicated that in FY '21, '22 portfolios and the delinquencies are relatively benign. So if we were to index the overall delinquency to 100, if you can indicate how is the trends here in the newer cohorts of portfolio? And secondly, the just judging by from the cohort part, internally, while there have not been any specific cohorts, but if we do an external scrub, are there any changes on the number of products per customer or credit lines per customer, which are elevated where we are seeing some higher delinquencies? And also on that portfolio scrub in case we find some customers, what are the actions that we take even if they are currently behaving on the portfolio? What kind of exit strategy do we follow?

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : But sir, is it meaningfully different or just marginally different? REFINITIV STREETEVENTS | www.refinitiv.com | Contact Us consent of Refinitiv. 'Refinitiv' and the Refinitiv logo are registered trademarks of Refinitiv and its affiliated companies. OCTOBER 27, 2023 / 1:00PM, SBIC.NS - Q2 2024 SBI Cards and Payment Services Ltd Earnings Call