RIght, I understand the conjecture when it comes to how the market reacts to the banks performance in the future.
In contrast to Equitas, which has its fixed book at ~85%, is there any information about what % of Ujjivans book is at fixed rate? I ask this as yield on current disbursements would be higher for Equitas than Ujjivan if the later has a lower fixed rate book, maybe? This could probably be a cause for the RoA to enter a cyclical downtrend till the cycle of normalizing the RFRs continues.
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