🏦Profits grow at 18.2%
🏦Asset quality remains stable with credit costs at 1.65% for the quarter
🏦CAR at 18.8%
🏦Gross NPAs at 1.32% vs 1.38%
🏦HDB Financial returns to profits
🏦Watching carefully on how the second wave will turn out
(2/24)
From HDFC Bank to Kotak to Bajaj Finance to Canara Bank!
How did lenders perform in Q4FY21?🤔
A thread🧵on the Banking/NBFC results
Hit "Retweet" to educate maximum Investors
Lets go👇
(1/24)
🏦Profits grow at 18.2%
🏦Asset quality remains stable with credit costs at 1.65% for the quarter
🏦CAR at 18.8%
🏦Gross NPAs at 1.32% vs 1.38%
🏦HDB Financial returns to profits
🏦Watching carefully on how the second wave will turn out
(2/24)
🏦Operating profit grows at 20%
🏦Covid-19 provisions increased by 1000cr to 7475cr
🏦Deposits grow by 21%
🏦Net NPA declines to 1.14%
🏦Capital Adequacy at 18.06%
🏦Retail loan growth at 20%
🏦Corporate loan growth at 13%
🏦Dividend-Rs 2/share
(3/24)
🏦Disbursements decline 13%
🏦Loan loss provisions at 1.4%
🏦Profits up 29%
🏦Positive on Auto financing
(4/24)
🏦Loan disbursements grow 60%
🏦Month of March had highest ever disbursements
🏦Gross NPAs at 1.98%
🏦Individual loan NPAs at 0.99%
🏦Non-Individual Loan NPAs at 4.77%
🏦Dividend of Rs 23/share
🏦PAT grows by 19%
(5/24)
🏦Interest income remains flat
🏦AUM rises marginally to 152,947cr
🏦Loan loss provision was 1231cr
🏦Writes off 1530cr
🏦PCR at 58%
🏦Gross NPAs at 1.79%
🏦Dividend of Rs 10/share
(6/24)
🏦Loan growth at 12%
🏦Retail growth at 11%
🏦Corporate growth at 16%
🏦Slippages at 5285cr
🏦PCR at 72%
🏦Gross NPAs at 3.70%
🏦Restructured assets at 0.3%
(7/24)
🏦47% growth in disbursement
🏦Cost of funds reduces to 6.83%
🏦Gross NPAs at 4.3%
🏦Deposits grow by 38%
(8/24)
🏦Disbursements increase by 44%
🏦Gross NPAs at 0.91%
🏦Loan book grows to 22,105cr
🏦Average Loan book size at 20 lakhs
(9/24)
🏦Advances grow 17%
🏦Collection efficiency now below 90%
🏦Writes off 171cr of micro loans
🏦Provisions at 375 cr
🏦Gross NPAs at 3.56%
(10/24)
🏦Assets grow by 18%
🏦Deposits grow by 27%
🏦Gross NPAs at 2.67%
🏦PCR at 75%
🏦Carries provisions of 8492cr
(11/24)
🏦Loan book grows at 1.8%
🏦Unsecured retail assets de-grow as a % of book
🏦Gross NPAs at 3.25%
🏦SMA-2 book at 0.05%
🏦435cr of loans restructured
🏦Holds 7021cr of COVID-19 provisions
(12/24)
🏦Retail Advances grow by 13%
🏦Wholesale loans degrow by 12%
🏦Deposits grow by 26%
🏦Gross NPA at 4.34%
🏦PCR at 72.2%
🏦1439cr of loan written off
🏦1.41% of loans restructured.
(13/24)
🏦Deposits grow 36.6%
🏦Loan portfolio grows at 21.2%
🏦GNPA at 6.8%
🏦Restructured loans worth 617cr
🏦Collection efficiency in Assam and Bengal remain affected
🏦Dividend of Rs 1/share
(14/24)
🏛 Huge growth in gold loans as a % of total: 40% of book (high concentration)
🏛 Interest income up 27% | Asset quality weaker QoQ due to high slippages
🏛 Deposit growth at 21% | CAR at 21%
🏛 52% bank’s business comes from Kerala
(15/24)
🏦All time high disbursals with 26% growth
🏦Microloans up 44%
🏦2 wheeler loans up 14%
🏦Farm Equipment loans up 40%
🏦Additional provision of 1003cr for COVID-19
🏦Stage 3 book at 1.57%
(16/24)
🏦AUM grows by 21%
🏦Stage 3 assets increase to 0.98%
🏦No dividend declared
🏦81% Term Loans make up the borrowing profile
(17/24)
🏦Loan grows 2% YoY
🏦Deposit degrows 2% (surprising)
🏦Gross NPA doubles to 4%, PCR at 62%
🏦CAR at 20%
(18/24)
🏛 Loans grew 7% QoQ & 10% YoY (26% YoY growth in retail & wholesale down 14%)
🏛 Deposits up 43% | CASA 52% | Reduced SA rates to 4-5% in May
🏛 4% GNPA | 56% PCR | 100%+ pre Covid collection efficiency in Q4
(19/24)
🏦Advances grow by 9%
🏦Restructuring at 1409cr
🏦Collection efficiency at 95%
🏦Slippages at 1685cr
🏦Gross NPA at 3.41%
(20/24)
🏦Advance grow at 1.14%
🏦Deposits grow at 3.89%
🏦Slippages at 4428cr
🏦SMA-0/1/2 at 22,938cr
🏦TIER-1 Capital Adequacy at 9.54%
(21/24)
🏦Advance up 7%
🏦Deposits up 20%
🏦Collection efficiency falls to 89% in April
🏦6.8% book restructured
🏦Gross NPA at 7.1%
🏦14.9% portfolio at risk
(22/24)
More from Aditya Shah
SEBI cuts REIT lot size to 1 unit....this will boost the liquidity and encourage more participation!
REIT is like a mutual fund that invests in physical real estate assets!
Read more
REIT is like a mutual fund that invests in physical real estate assets!
Read more
Real Estate Investment Trusts (REITs) Simplified.
— JST Investments (@JstInvestments) June 9, 2021
A product that provides a fixed income that is better than FD +an upside like equity.
A Thread \U0001f9f5\U0001f447
More from Stockslearnings
1/n
Dear @chartmojo
Out of curiosity, just gone through your timeline and prepared a data of your shared tweets in OCT'2020;
You will not believe the following numbers:
Charts shared = 29 (2 excluded due to splits)
Period = 8-oct to 30-oct'20
..
2/n
If min.10k invested on your each design, then
Amount invested in Oct'20 = 2.91 lacs
Present investment value = 4.72 lacs
Maximum drawdown = 9%
ROI = 62% in 200 days
Annualized ROI = 147%
**You ROCK brother**
...
I've prepared a sheet for all your Oct'20 tweets; It was so much learning on the charts as well as on the data-part; Please keep on the good work.
Sheet link:
https://t.co/8BJtMsOkBD
With regards,
Deepak
Dear @chartmojo
Out of curiosity, just gone through your timeline and prepared a data of your shared tweets in OCT'2020;
You will not believe the following numbers:
Charts shared = 29 (2 excluded due to splits)
Period = 8-oct to 30-oct'20
..
2/n
If min.10k invested on your each design, then
Amount invested in Oct'20 = 2.91 lacs
Present investment value = 4.72 lacs
Maximum drawdown = 9%
ROI = 62% in 200 days
Annualized ROI = 147%
**You ROCK brother**
...
I've prepared a sheet for all your Oct'20 tweets; It was so much learning on the charts as well as on the data-part; Please keep on the good work.
Sheet link:
https://t.co/8BJtMsOkBD
With regards,
Deepak
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One of the most successful stock trader with special focus on cash stocks and who has a very creative mind to look out for opportunities in dark times
Covering one of the most unique set ups: Extended moves & Reversal plays
Time for a 🧵 to learn the above from @iManasArora
What qualifies for an extended move?
30-40% move in just 5-6 days is one example of extended move
How Manas used this info to book
Post that the plight of the
Example 2: Booking profits when the stock is extended from 10WMA
10WMA =
Another hack to identify extended move in a stock:
Too many green days!
Read
Covering one of the most unique set ups: Extended moves & Reversal plays
Time for a 🧵 to learn the above from @iManasArora
What qualifies for an extended move?
30-40% move in just 5-6 days is one example of extended move
How Manas used this info to book
The stock exploded & went up as much as 63% from my price.
— Manas Arora (@iManasArora) June 22, 2020
Closed my position entirely today!#BroTip pic.twitter.com/CRbQh3kvMM
Post that the plight of the
What an extended (away from averages) move looks like!!
— Manas Arora (@iManasArora) June 24, 2020
If you don't learn to sell into strength, be ready to give away the majority of your gains.#GLENMARK pic.twitter.com/5DsRTUaGO2
Example 2: Booking profits when the stock is extended from 10WMA
10WMA =
#HIKAL
— Manas Arora (@iManasArora) July 2, 2021
Closed remaining at 560
Reason: It is 40+% from 10wma. Super extended
Total revenue: 11R * 0.25 (size) = 2.75% on portfolio
Trade closed pic.twitter.com/YDDvhz8swT
Another hack to identify extended move in a stock:
Too many green days!
Read
When you see 15 green weeks in a row, that's the end of the move. *Extended*
— Manas Arora (@iManasArora) August 26, 2019
Simple price action analysis.#Seamecltd https://t.co/gR9xzgeb9K
I just finished Eric Adler's The Battle of the Classics, and wanted to say something about Joel Christiansen's review linked below. I am not sure what motivates the review (I speculate a bit below), but it gives a very misleading impression of the book. 1/x
The meat of the criticism is that the history Adler gives is insufficiently critical. Adler describes a few figures who had a great influence on how the modern US university was formed. It's certainly critical: it focuses on the social Darwinism of these figures. 2/x
Other insinuations and suggestions in the review seem wildly off the mark, distorted, or inappropriate-- for example, that the book is clickbaity (it is scholarly) or conservative (hardly) or connected to the events at the Capitol (give me a break). 3/x
The core question: in what sense is classics inherently racist? Classics is old. On Adler's account, it begins in ancient Rome and is revived in the Renaissance. Slavery (Christiansen's primary concern) is also very old. Let's say classics is an education for slaveowners. 4/x
It's worth remembering that literacy itself is elite throughout most of this history. Literacy is, then, also the education of slaveowners. We can honor oral and musical traditions without denying that literacy is, generally, good. 5/x
As someone\u2019s who\u2019s read the book, this review strikes me as tremendously unfair. It mostly faults Adler for not writing the book the reviewer wishes he had! https://t.co/pqpt5Ziivj
— Teresa M. Bejan (@tmbejan) January 12, 2021
The meat of the criticism is that the history Adler gives is insufficiently critical. Adler describes a few figures who had a great influence on how the modern US university was formed. It's certainly critical: it focuses on the social Darwinism of these figures. 2/x
Other insinuations and suggestions in the review seem wildly off the mark, distorted, or inappropriate-- for example, that the book is clickbaity (it is scholarly) or conservative (hardly) or connected to the events at the Capitol (give me a break). 3/x
The core question: in what sense is classics inherently racist? Classics is old. On Adler's account, it begins in ancient Rome and is revived in the Renaissance. Slavery (Christiansen's primary concern) is also very old. Let's say classics is an education for slaveowners. 4/x
It's worth remembering that literacy itself is elite throughout most of this history. Literacy is, then, also the education of slaveowners. We can honor oral and musical traditions without denying that literacy is, generally, good. 5/x
