Bank of Baroda · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
11
Answered directly
73%
Numeric claims
0
Consistency
—
Question ledger
Mahrukh Adajania · Nuvama Institutional Equities
partialLook, as I said, that as far as NII is concerned, INR 11,800 crore NII is... one of the strong NII number on absolute terms... I don't have a core NIM or a separate NIM. All NIM is core... The impact on the number can be something around 5-6 basis points maximum...
Nitin Aggarwal · Research desk
directSo Nitin, on the LDR or the CD ratio, we say perennially we have been operating 80+%. And, this quarter, the global is 86% and the domestic at 83%... our target is always to operate around 120%... last quarter we were 120%, this quarter we are 160%....
Nitin Aggarwal · Research desk
directOur credit guidance continue to be 11%-13% with upside... credit cost... we have revised upward... to below 0.60... the net impact on the ECL or CRAR... would be somewhere at 0.6 or 0.7 maximum... The incremental provisioning... is only can elevate the credit cost only by 18 basis points.
Kunal Shah · ICICI Bank
partialThat's the routine, actually... there is no core NIM or other NIM. Everything is core for that. But, if you talk about the element per se, then yes, there is a 5-6 basis points impact, because of that, and it can be in the range of 270-274 kind of level.
Kunal Shah · ICICI Bank
directSo, as I said, just to the earlier question also, the impact... on the CRAR will be 0.7, 0.6, I mean, 60 basis points. At the same time, the recurring provision requirement would be 18 basis points on the credit cost. Current provision level is adequate, almost to that level, right?
Kunal Shah · ICICI Bank
directThat's what the auditors also given in their report, key, there is no material impact... there is no material impact as far as the gratuity, the labor code is concerned.
Kunal Shah · ICICI Bank
directNo, actually, there is no rundown here. Actually, as I said, 11-13 upside. So this quarter we had 15, so precisely that upside is to exceed 13%... the advances side, the growth will be somewhere around 15%, 14.5, 15%. So that's why we revised that 11%-13% with upside.
Abhishek Mishra · Research desk
partialActually, domestic, we want to be in the 82%-84%. I mean, the optimal that we are looking at domestic is 84%. Whereas global can be around 86%-88%... I don't think there is any limiting factor for that. The bank continue to grow strong...
Abhishek Mishra · Research desk
partialSee, there are two things. We said earlier... Q3 and Q4 would be better than the Q1 and Q2... the cost of deposit is now all-time low at 4.75... So, net to net, I think we'll be in a position to maintain that 2.85-3 guidance that we are giving for the full year.
Piran Engineer · CLSA
directYeah, the sustainable steady state... the net impact is going to be 60, and that would be spread over five years... On an ongoing basis... talks about the impact of 18 basis points, on an ongoing basis, year-to-year basis.
Piran Engineer · CLSA
direct... frankly, we have no, no observation on the PSL categorization classification. We do big farm lending. So absolutely no.
Ankit Bihani · Nomura
evasiveTwo things. One is with regard to, you talked about the NIM... the full year NIM would be in the range... I think we're hopeful of doing that, right? That is one. Secondly, the core NIM that you talked about in the refund... it's a guidelines which came saying that...
