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
: Can you hear me?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: So on the credit card, I had a few -- a couple of questions. One is in terms of the MDRs that we are earning on the online spends and groceries, how
does it compare with the MDRs on, say, traveling spend and the blended MDR that we will be earning on the portfolio? And since the spending
pattern has changed right now, is there any material change in the MDR -- blended MDR on the portfolio, whether we say a year ago? That's one.
And second, if you are looking at the credit card spend for the quarter, whether the last year or maybe in the previous quarter and the card fees
that we have earned, there's a disproportionate increase in the card fees. So if you can explain what are the components that are driving the fees
within the card portfolio right now?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And on the card fees versus spends?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Okay. So that's almost 62% sequential jump. So it's primarily because of the late fee we are getting?
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JANUARY 28, 2021 / 12:00PM, RATB.NS - Q3 2021 RBL Bank Ltd Earnings Call
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
:
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Late fees, okay.
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure, sure. And you also talked about the reward point expenses being lower. So is that adjusted in the fee line item? Or is it part of the OpEx?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: OpEx. Sure.
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