City Union Bank Ltd Q4 2022 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 : I missed the comment around treasury income that you gave because as per the presentation, you have around INR 50 crores of income booked. So if you can just repeat that? What was it for 4Q? And how are we looking at for FY '23 in terms of what will be the period end March and unbooked MTM gains on losses on the investment book? That's one. And the second question would be...

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Yes, for the treasury income, what was the comment that you mentioned for 4Q income as per presentation that roughly gross profit -- and 15%

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Sure, sir. And sir, you had any quantification on what were the MTM gains or losses which are unbooked as of the yields right now? REFINITIV STREETEVENTS | www.refinitiv.com | Contact Us consent of Refinitiv. 'Refinitiv' and the Refinitiv logo are registered trademarks of Refinitiv and its affiliated companies. MAY 27, 2022 / 12:30PM, CTBK.NS - Q4 2022 City Union Bank Ltd Earnings Call

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Sir, second question was around -- with the raw material inflation that we are seeing recently. Are there any pockets of the portfolio which would see an adverse impact on asset quality? And also, if you can comment on the cotton /steel (inaudible) because the cotton prices have increased and there were some strikes in Tamil Nadu.

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Sure, sir. And sir, lastly, there is a sharp increase in the borrowing in second half. So almost 2/3 of the incremental funds have come from borrowing. And while, sir, in the commentary indicated that deposits, we are not taking this venture that we don't pass in investment. If you could explain why the increase in borrowing, but not specifically on buying.