Top Tweets for #ManagementConfident
Shemaroo Entertainment #ConcallInsights
#GrowthAcceleration #MarginExpansion #ManagementConfident
Is the worst finally over for the king of Hindi film libraries? This earnings call suggests a company that has stopped the bleeding.
The headline numbers for Q1 FY27 initially look soft: revenue fell 6% YoY to ₹132 crore. But look closer at the earnings quality. The EBITDA loss shrank from ₹56 crore last year to just ₹2 crore.
Management is finally exiting the painful "inventory rationalization" phase that has dogged them for 10 quarters. They are now focused on one goal: turning profitable.
The tension in the room was clear—analysts are tired of losses. Management answered with a specific plan: reduce spending on new initiatives like OTT and broadcasting by 50% this year. The digital business is already seeing massive traction with 9 billion views this quarter, and legacy content is yielding 80-90% margins once the costs are cleared.
According to the CEO, the target is double-digit revenue growth and a positive EBITDA for the full year. They are even eyeing a 20% EBITDA margin in the next 2-3 years as the digital mix scales.
Do the math: Cutting ₹20 crore of quarterly initiative spend and converting even a portion of those 9 billion digital views into better-priced ads could swing the bottom line very quickly.
The scoreboard for the next six months is simple: Do those deferred B2B syndication deals actually close in H2, and can they hit full-year EBITDA breakeven?
That's the scoreboard to watch.
Full concall breakdown → https://t.co/5vAajhmKVH
Public NSE/BSE filings · Not Investment Advice
#SHEMAROO #ConCall #Earnings
Go Digit General Insurance #ConcallInsights
#ConsolidationQuarter #MarginPressure #ManagementConfident
Why would a fast-growing insurance player like Digit choose to de-grow its premium by 8%?
The Q1 FY27 earnings call provided a clear answer: discipline. While the industry is "dancing" to the tune of irrational pricing in Fire and Group Health, management has chosen to sit on the sidelines.
Net Earned Premium grew 8% to ₹2,007 crore, but the core profit (KPI basis) dipped 5% to ₹190 crore. The tension in the room was the spike in the loss ratio to 73.3% and a dip in motor market share to 5.6%.
Management's response was attributed to a strict technical focus. According to the Chairman, they would rather shrink the business to protect profitability than chase growth at a loss. Their anchor of safety? A massive ₹268 crore in unrealized equity gains and a rock-solid solvency ratio of 2.43x.
Do the math: Digit is now holding nearly 10% of its AUM in equity, up from 3.5% at the IPO. While this reduced immediate interest income by ₹14 crore, the unrealized gains buffer is now more than 1.4x their entire core quarterly profit.
They are playing a long-term valuation game while the industry fights for short-term market share. Corrective pricing in private cars is already live, and the focus is now on letting the "music" stop for competitors with weaker balance sheets.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/59Sy4ovj7I
Public NSE/BSE filings · Not Investment Advice
#GODIGIT #ConCall #Earnings
Ujjivan Small Finance Bank #ConcallInsights
#GuidanceRaise #AssetQualityStable #ManagementConfident
The earnings call kept circling back to one question: can a small finance bank sustain 8.5% margins while shifting half its book to secured loans?
Ujjivan Small Finance Bank seems to have found the formula. In Q1 FY2027, the bank reported a ₹317 crore profit with margins holding steady at 8.5%. More importantly, for the first time in its history, the secured loan book has crossed the 50% mark.
While the industry is struggling with tight liquidity, Ujjivan's deposits grew 25% YoY to ₹48,129 crore. The microfinance segment, once its only engine, is now being joined by affordable housing, gold loans, and vehicle finance—all of which are seeing robust double-digit growth.
Management is so confident in the current trajectory that they raised their full-year ROA guidance to 1.8% - 2.0% and lowered their credit cost targets. They believe the worst of the slippages are behind them, with collection efficiency sitting at a healthy 98.4%.
Do the math: 25% asset growth on a ₹42,903 crore base means management expects to add over ₹10,700 crore in fresh loans this fiscal year. Scaling that while moving the secured mix to 56% is an aggressive shift, but management says the groundwork is already laid.
They are putting their money where their mouth is, committing ₹250 crore to tech and branch expansion this year. The transition from a microfinance player to a diversified bank is no longer just a presentation slide—it is the core of the P&L.
Execution on the 30% CASA target, the scale-up of the new digital unsecured portfolio, and NIM stability in a competitive market are the indicators to watch.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/g6pXkIZlIJ
Public NSE/BSE filings · Not Investment Advice
#UJJIVANSFB #ConCall #Earnings
UTI Asset Management Company #ConcallInsights
#GuidanceMaintained #AssetQualityStable #ManagementConfident
Can a legacy brand like UTI AMC double its size in just a few years? That was the undercurrent of the Q1 FY2027 call as management unpacked their aggressive Mission 2031 strategy.
The headline numbers show a company in steady-state mode. Core consolidated revenue came in at ₹379 crore, flat compared to last year. Core profit stood at ₹129 crore, up 6% YoY. While not explosive, the earnings quality is high—equity assets now make up 70% of their mutual fund mix, far outperforming the industry average of 62%.
The real tension lies in the market share. UTI is a giant, managing over ₹20 lakh crore across the group, but newer, nimbler private players are nibbling at its core mutual fund pie. Analysts were quick to point this out, especially with flagship funds facing performance headwinds.
Management says the answer isn't to fight a price war but to pivot. According to the CEO, they are passing on regulatory fee impacts to distributors to protect their 72-73 basis point equity yields. More importantly, they are scaling high-growth subsidiaries like the Pension Fund—which already holds a 24% market share—and Alternatives. Management attributes the recent headcount jump from 1,435 to 1,512 entirely to these new growth engines.
The evidence for this pivot is in the hiring plan: they intend to double the pension fund workforce within 18 months. Meanwhile, they are holding the line on expenses, guiding for only an 8-10% increase for the full year.
Do the math, though: Reaching 2x current AUM of ₹3,92,691 crore by 2031 means targeting roughly ₹7.85 lakh crore in managed assets. Over a five-year period, that’s about 15% CAGR—a steady climb, but it requires UTI to stop losing market share to aggressive private players and turn around the performance of its flagship equity schemes.
The scoreboard to watch: whether equity yields can stay at 72bps, and if the massive SIP book of ₹2,502 crore per month can finally flip the market share loss into a gain.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/FjbQiu4xkO
Public NSE/BSE filings · Not Investment Advice
#UTIAMC #ConCall #Earnings
Aye Finance #ConcallInsights
#NIMExpansion #AssetQualityStable #ManagementConfident
How does a micro-lender grow profits by 144% in what is typically its slowest quarter?
Aye Finance just proved that its tech-led model for micro-enterprises is hitting its stride. Q1 FY2027 results show a PAT of ₹75 crore, up from ₹31 crore a year ago. The loan book (AUM) reached ₹7,324 crore, growing 28% YoY.
The real tension in the story remains credit costs. At 4.01%, Aye's costs are double that of some Micro-LAP peers. Management is quick to pivot that narrative, explaining that their higher-yield hypothecation product (28% yield) naturally carries a different risk profile than secured lending.
Management according to the MD, Sanjay Sharma, is maintaining a steady hand on guidance, promising 25-30% growth for the full year. The big catalyst? A fresh credit rating upgrade to A+. This isn't just a trophy; it is expected to shave 20-25 basis points off their borrowing costs.
Operationally, the engine is running hot. They added 44,000 new borrowers this quarter while actually tightening their approval rates from 55% down to 45%. This selectivity is finally reflecting in the asset quality scoreboard, with GNPA improving to 4.49%.
Do the math on their long-term vision: Management wants ₹24,000 crore in AUM within 5 years. Starting from ₹7,324 crore, that requires a 27% CAGR. While it matches their current guidance of 25-30%, doing it for five years straight without a major capital raise (they plan to touch 4.5x leverage first) is a high-wire act.
The scoreboard to watch: incremental borrowing costs actually dropping post-upgrade, the shift in mix toward 30% mortgage-backed loans, and whether credit costs can break below the 3.5% floor management is targeting.
That’s the scoreboard to watch.
Full concall breakdown → https://t.co/FUMhUXq1Z9
Public NSE/BSE filings · Not Investment Advice
#AYE #ConCall #Earnings
CSB Bank #ConcallInsights
#GuidanceMaintained #CASAStress #ManagementConfident
The earnings call kept circling back to one question: Can a bank really sustain growth when its cheapest source of money—CASA—has dipped below 20%?
The Q1 FY2027 numbers give management some breathing room. Net profit grew 27% YoY to ₹150 crore, and net interest income was up 26% to ₹479 crore. On paper, it's a solid quarter with 24% loan growth.
But the tension lies in how that growth is being funded. The CASA ratio has slid to 19.41%, forcing the bank to rely on expensive bulk deposits costing 6.5%. Most of the growth is still coming from gold loans, which make up 54% of the book.
Management's answer was firm: the 'rebuilding' phase is over. After two and a half years of tech delays, the new systems are finally live. According to the CEO, they deliberately chose to fund growth with more expensive money to maintain momentum while the tech was being fixed. Now, they are pivoting to 'Act 2'—scaling retail liabilities and diversifying the loan book.
Management is sticking to a target of 1.3% to 1.5% ROA for the year. They want to slash the gold loan mix to 30% by 2030 and use their new tech platform to win granular retail deposits. The evidence is in the wholesale book, which grew 6% this quarter as they chase transaction banking fees to offset high funding costs.
Do the math: Reaching the 1.5% ROA target from the current 1.09% implies nearly a 37% jump in efficiency. With funding costs high and SME slippages hitting ₹96 crore this quarter, that's a stretch target that requires perfect execution on the new retail liability strategy.
Whether they can actually win back retail depositors with the new tech stack is the only thing that matters now. Watch the CASA ratio, SME recovery, and the gold loan mix transition.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/jzkJ2m2lAO
Public NSE/BSE filings · Not Investment Advice
#CSBBANK #ConCall #Earnings
NIIT #ConcallInsights
#GrowthAcceleration #StrategicPivot #ManagementConfident
The earnings call kept circling back to one question: can a legacy training giant reinvent itself fast enough to catch the AI wave?
NIIT's Q1 FY27 numbers suggest the pivot is working. Revenue grew 14% YoY to ₹95.7 crore, while PAT surged 85% to ₹8.1 crore. More importantly, EBITDA losses were slashed from ₹6.3 crore to just ₹1.4 crore. The strategy is clear: trade high-volume fresher training for high-value AI upskilling.
The tension remains in the enterprise segment, where hiring by top IT firms is still volatile. Management attributes the 8% growth here to reskilling existing staff rather than onboarding new ones. The real surprise came from the consumer business, which jumped 27% as students and professionals look to AI to future-proof their careers.
According to the CEO, AI-led programs now contribute 9% of total revenue. While batch sizes are 40-70% smaller, the realization per student is higher. Management says the investment cycle for their digital platforms has peaked, which should help margins expand as they scale these new offerings.
Do the math: NIIT holds ₹723.1 crore in cash. With a current quarterly revenue run-rate of under ₹100 crore, that cash pile is equivalent to over 7 quarters of revenue. It gives them a massive cushion to weather the IT hiring winter while they build their AI IP.
Execution is now the focus. Management has guided for double-digit revenue growth and reaching EBITDA break-even in Q2. If they hit that, the narrative moves from "surviving" to "scaling."
The scoreboard to watch: EBITDA break-even in Q2, AI revenue share hitting double digits, and a sustained recovery in BFSI hiring.
Full concall breakdown → https://t.co/iIrOamjZsp
Public NSE/BSE filings · Not Investment Advice
#NIITLTD #ConCall #Earnings
Aditya Birla Sun Life AMC #ConcallInsights
#DoubleDigitGrowth #AUMGrowth #ManagementConfident
How does an AMC manage a 10 lakh crore asset pool while charging just 8 basis points on its biggest mandate?
The Q1 FY2027 numbers for Aditya Birla Sun Life AMC earn them the right to be asked. Revenue grew 11% to 625 crore, and PAT rose 12% to 309 crore.
But the tension lies in the mix. While total assets hit a staggering 10 lakh crore milestone, a massive chunk comes from low-yielding retirement fund mandates like EPFO and ESIC. This scale is impressive, but it puts the squeeze on overall yields.
Management's answer is an aggressive pivot toward high-margin Alternates. According to the MD, they are targeting to take the PMS book from roughly 5,000 crore to 25,000 crore within three years. They aren't just waiting for retail mutual fund buyers; they are building a boutique for high-net-worth individuals.
The hard evidence sits in the distribution. ABSLAMC recently got its products onto the recommended lists of HDFC Bank and Kotak Bank. In the AMC world, shelf space is destiny.
Do the math: Growing a 5,000 crore PMS book to 25,000 crore in three years means a 5x jump. That requires a nearly 71% CAGR. In a competitive market where every wealth desk is pitching Alternates, that is a massive stretch target.
Success depends on two things: keeping those low-yield institutional mandates as a stable base while actually converting the new bank tie-ups into high-margin equity sales.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/UAzlva2J1U
Public NSE/BSE filings · Not Investment Advice
#ABSLAMC #ConCall #Earnings
HDFC Bank #ConcallInsights
#NIMCompression #CreditGrowthHigh #ManagementConfident
The earnings call kept circling back to one question: Can HDFC Bank reclaim its 40% CASA glory in a market where households have stopped saving?
The Q1 FY2027 numbers earned management the right to be asked. Adjusted profit grew 9.8% YoY, even as the industry struggled with liquidity. The MSME engine is doing the heavy lifting, growing at a robust 22.3%.
Except the reported profit told a more muted story, up just 5%. Base effects and high-cost borrowing are still biting.
Management’s answer was a pivot toward productivity. Branches are now delivering ₹330 crore in business each, up from ₹266 crore in FY23. They aren't just chasing bulk deposits; they are chasing 102 million individual customers, betting that the 'unit' growth will eventually fix the balance sheet.
They maintained their guidance to grow faster than the system. And backing the confidence sits a massive reduction in the borrowing mix, targeting 8-9% from the current 11%. Every percentage point dropped is a direct win for the Net Interest Margin, which sits at 3.4% today.
Do the math: A 3% reduction in the borrowing mix on this balance sheet, saving roughly 100-125 bps in cost, is what takes the bank back to its historical margin profile. Management says the FCNR swap window and MSME growth are the levers to get there.
Execution over the next few quarters—specifically the FCNR inflows and the retirements of high-cost debt—will say whether this structural recovery is on track.
That’s the scoreboard to watch.
Full concall breakdown → https://t.co/A5KMgJoo2S
Public NSE/BSE filings · Not Investment Advice
#HDFCBANK #ConCall #Earnings
Punjab National Bank #ConcallInsights
#NIMExpansion #AssetQualityStable #ManagementConfident
The earnings call kept circling back to one question: How does a bank grow profits while intentionally throwing away 35,000 Cr of business?
PNB’s Q1 FY27 results answered by showing a clear preference for margins over vanity metrics. Net Profit stayed firm at 5,253 Cr, even as management aggressively exited 35,000 Cr of low-yield corporate loans that were earning less than 7% interest.
The tension was clear—analysts questioned the slow overall credit growth of 12.7% compared to some peers. Management's answer? The quality of the book is changing. Core retail is up 17.5% and MSME is up nearly 20%. They are trading low-margin corporate bulk for high-margin small business risk.
The evidence is in the margins. Domestic NIM improved to 2.64%, and bad loans (GNPA) hit a multi-year low of 2.78%. They also slashed PSLC certificate costs by over 500 Cr just by lending better in the right segments.
Do the math, though: Management admits the upcoming transition to ECL (Expected Credit Loss) accounting will be a one-time hit of 9,500 Cr to 10,000 Cr. They currently have 2,435 Cr in floating provisions saved up. To bridge that 7,500 Cr gap without a capital call, they need to maintain this 5,000 Cr+ quarterly profit run-rate perfectly for the rest of the year.
The strategy of ditching thin-margin corporate loans is the only way to fund that buffer. If NIM continues to tick up and slippages stay below their 0.9% guidance, the transition will be smooth. If deposit costs spike, the math gets harder.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/xpUYpNK6yM
Public NSE/BSE filings · Not Investment Advice
#PNB #ConCall #Earnings
Yes Bank #ConcallInsights
#AssetQualityStable #NIMExpansion #ManagementConfident
The earnings call kept circling back to one question: can Yes Bank really bridge the gap from a 0.9% ROA to a sustainable 1.0% by the end of this year?
The Q1 FY27 numbers gave management the ammunition to say yes. Net Profit surged 33.7% YoY to ₹1,071 crore. NII followed suit, growing 17.5% to ₹2,786 crore. Even Net Interest Margins, a historical pain point, expanded 20bps YoY to 2.7%.
But a forensic look reveals the tension. PAT was helped by a ₹119 crore one-off tax refund. More importantly, deposit growth at 14.3% is struggling to keep pace with an aggressive 18.3% loan growth. In a market where every bank is fighting for the same rupee, growing loans faster than deposits is a high-wire act.
Management’s answer is a structural pivot. They are walking away from low-yield RIDF deposits and doubling down on retail disbursements, which grew 27.5% YoY. They claim the skinny 2.7% NIM is just a starting point, targeting 3% plus within two years.
As for the capital overhang, management says they have refreshed the ₹16,000 crore capital raise enabler just as a precaution. According to the CFO, the current 14% CET-1 is enough to fund another 3 to 4 quarters of growth without hitting the market.
Do the math: a 30bps expansion in NIM over 24 months requires a massive shift in the asset mix or a sudden cooling in deposit costs. Neither is guaranteed. If deposit costs stay sticky, that 3% NIM target remains a stretch.
The cleanup is over, and the asset quality is the cleanest it’s been in years with GNPA at just 1.3%. Now, it’s all about the margins.
Execution on retail disbursements, the pace of RIDF runoff, and the ability to grow the CASA book without overpaying are the scoreboard to watch.
Full concall breakdown → https://t.co/n4TeoCWcbO
Public NSE/BSE filings · Not Investment Advice
#YESBANK #ConCall #Earnings
Turtlemint Fintech Solutions #ConcallInsights
#DoubleDigitGrowth #OperatingLeverage #ManagementConfident
How does a company double its revenue in two years while keeping corporate costs almost flat? That was the core question behind Turtlemint’s latest results.
The FY26 numbers show the RAP (Recruit, Activate, Produce) engine is firing. Revenue jumped 57% to ₹1,098 crore. Service EBITDA followed suit, rising 70% to ₹142 crore. But the real milestone was Q4, where the company hit break-even at the adjusted EBITDA level for the first time.
The tension in the room was palpable when analysts brought up potential regulatory cuts to insurance commissions. Most tech platforms would sweat at the thought of a revenue haircut.
Management's answer was firm: their model is built to absorb volatility. According to the CEO, they can pass down commission changes through the platform. More importantly, they are sitting on a goldmine of renewals. Renewal revenue is now ₹225 crore, and it earns nearly three times more than new business because the customer is already onboarded.
The evidence of scale is hard to ignore. They have over 6.5 lakh digital partners across 19,000 pin codes. AI is now handling support and renewals, which management claims boosted frontline productivity by 20% this year alone.
Do the math, though: Management is targeting 18-20% margins in five years. On the current ₹1,098 crore revenue base, that implies turning a ₹105 crore annual loss into a ₹200 crore profit. To get there, they need to maintain their 40% growth guidance while ensuring corporate overheads don't creep up as they expand into loans and mutual funds. It’s a steep climb from break-even to 20%.
The scoreboard for the next few quarters is simple: monitor the renewal mix and see if corporate costs actually stay flat as they cross ₹1,500 crore in revenue.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/gt4lCw68gw
Public NSE/BSE filings · Not Investment Advice
#TURTLEMINT #ConCall #Earnings
Poonawalla Fincorp #ConcallInsights
#ManagementConfident #NIMExpansion #AssetQualityStable
The earnings call kept circling back to one question: how does a finance company justify spending on 101 AI projects while growing its book by 11% in a single quarter?
The Q1 FY27 numbers gave the answer. PAT surged 391% YoY to 308 crore, with profits growing nearly twice as fast as the loan book on a sequential basis.
Management isn't just pitching growth; they're pitching a tech-led transformation. They've deployed 130 smart agents to automate collections and sales. The result? Opex as a percentage of assets is drifting down to 4.06%, and NIMs expanded to 9.1% even as borrowing costs rose.
While personal loans remain a core engine with 537 crore in monthly disbursements, the real aggression is in gold loans, with 460 branches already live and 400 more coming this year.
Do the math, though: Moving from a 1.98% ROE to the 3.5% target by June 2028 requires a nearly 77% improvement in return efficiency. That is a massive ask. Management attributes the path to 3.5% to the decoupling of headcount from asset growth via AI—effectively making every rupee of capital work harder.
With 67,054 crore in AUM and a fresh 2,500 crore in capital, the fuel for growth is there. Now, the scoreboard turns to whether these digital "smart agents" can keep asset quality this clean as they head into Tier 2 and 3 markets.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/H0Le0TAbAD
Public NSE/BSE filings · Not Investment Advice
#POONAWALLA #ConCall #Earnings
Central Bank Of India #ConcallInsights
#DoubleDigitGrowth #AssetQualityStable #ManagementConfident
How does a century-old PSU bank grow its loan book by 28% while bringing its net NPAs to almost zero?
Central Bank of India's Q1 FY27 results suggest they might have found the formula. Net profit grew 13.26% to ₹1,324 crore, but the real fireworks were in the advances book, which surged 28.58% to over ₹3.54 lakh crore.
Asset quality is no longer a PSU punchline here. Net NPA has dropped to 0.49%—effectively a clean slate.
The tension in the call came from the bank's liquidity. The Credit-Deposit (CD) ratio jumped to 74% from 64% last year, and the Liquidity Coverage Ratio moderated significantly as the bank put its money to work.
Management says the high liquidity was a drag on margins. By deploying it into higher-yielding Gold Loans and MSME segments, they've kept Net Interest Margins (NIM) steady at 3.06% despite rising deposit costs.
According to the MD, they aren't slowing down. Guidance for FY27 is set at 14-16% loan growth. They are also branching out—literally—with a new Gift City unit targeting $500 million in credit.
Do the math on the efficiency: Management wants to cut the Cost-to-Income ratio by 150-160 bps annually. If they hit their recovery target of ₹2,500 crore from technically written-off accounts, the bottom line has a massive buffer.
The high corporate growth of 46% was on a low base, so the real test is sustainability. Whether they can maintain this pace while keeping slippages at the current 0.29% level is the multi-crore question.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/z4j5G4YIdu
Public NSE/BSE filings · Not Investment Advice
#CENTRALBK #ConCall #Earnings
The Federal Bank #ConcallInsights
#StrongExecution #NIMExpansion #ManagementConfident
How does Federal Bank grow its net profit by 36.57% in a seasonally weak quarter without any one-off gains?
The Q1 FY2027 results suggest this is one of the strongest starts in the bank's history. Net profit rose to ₹1,176.93 crore, and Net Interest Income grew 26.06% to ₹2,945.89 crore.
But the real tension in any banking story today is margins. While the industry is fighting for every basis point, Federal Bank expanded its NIM by 13 bps sequentially to 3.33%.
Management's answer to the margin squeeze was simple: discipline and mix. They are intentionally moving away from low-yield wholesale deposits and shifting toward mid-market corporate and high-yield retail segments. They aren't just defending margins; they are raising guidance, promising another 5-6 bps improvement every quarter for the rest of the year.
The evidence of this execution is in the asset quality. NNPA is at a record decade-low of 0.18%. Slippages fell 37.8% YoY to ₹409.48 crore, showing that the growth isn't coming at the cost of credit standards. Even the loan book has now crossed significant milestones, with corporate and institutional banking passing ₹1 Lakh crore.
Do the math, though: targeting an ROA improvement of 3-4 bps every quarter and NIM gains of 5-6 bps implies a very aggressive trajectory. If they hit 3.5% NIM by year-end, it would mean navigating a high-interest-rate environment better than almost all mid-sized peers. That is a stretch target in a competitive liquidity market.
The Standard Chartered credit card book acquisition, expected to close by year-end, will be the key catalyst to watch. It is the fuel intended to power these margin aspirations.
That's the scoreboard to watch.
Full concall breakdown → https://t.co/xe82SV7CYq
Public NSE/BSE filings · Not Investment Advice
#FEDERALBNK #ConCall #Earnings
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