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, just on that Slide 23, when you were talking about certain exposures in BB and BBB, which are slightly lumpier, sir, if you would share some
color on which sectors they are from and what kind of outlook do we see on those exposures?
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MAY 07, 2020 / 12:00PM, RATB.NS - Q4 2020 RBL Bank Ltd Earnings Call
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Right. But sir, just to understand on these 6, 7 exposures, what kind of a probability are we internally assuming in terms of default? Just to get a
sense on what kind of slippages can come from the wholesale piece.
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure. And sir, like for FY '21, you are guiding for higher credit cost from retail vis-a-vis from a wholesale. So within that, any particular segment
where we are expecting a slightly higher mix in terms of credit cost within, say, cards, MFI or LAP?
Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst
: Sure, sir. And sir just lastly, on the MFI piece, if you could share the split on the portfolio value-wise in terms of, say, the rural, semi-urban and urban
locations, how is it? And also, in case there are any recoveries that we have seen from the 4, 5 stressed asset groups, which have slipped in FY '20?
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