Any projections for Q4 results?
a. Loan book growth - Can it touch 16000 crores (as revised by Mr. Hota in January during Q3 results) from 15058 crores at the end of Q3? As pre/repayment would be around 740 crores, the disbursements would have to be around 1680 crores
b. NIM - Could they maintain it at Q3 levels? They did do a few high cost market borrowing at 7.5+% (so did HDFC and other institutions but now bond yields are falling - below 7.2% now)
c. NPA - Can they get Net NPA to zero as they have done in the past year ends? Can they recover all the loans as mentioned in the first quarter? Can GNPA be reduced as well?
d. Net profit - possible to get it at 84+ Crores?
Point to note: A report by Investec mentioned that management was distracted in Q4 due to the stake sale process while Mr. Hota denied it in CNBC.
Appreciate views from fellow boarders who watch the company fundamentals regularly.