BC STOCKSLEARNINGS
Saved by @SAnngeri

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)

 HDFC Bank:Stable

🏦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)
ICICI Bank Results:-Stable

🏦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)
Cholamandalam Investment:Stable

🏦Disbursements decline 13%
🏦Loan loss provisions at 1.4%
🏦Profits up 29%
🏦Positive on Auto financing

(4/24)
HDFC Ltd:Strong

🏦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)
Bajaj Finance Results:Weak

🏦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)
Axis Bank Results:Stable

🏦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)
AU Small Finance Results:Stable

🏦47% growth in disbursement
🏦Cost of funds reduces to 6.83%
🏦Gross NPAs at 4.3%
🏦Deposits grow by 38%

(8/24)
Can Fin Homes:Strong

🏦Disbursements increase by 44%
🏦Gross NPAs at 0.91%
🏦Loan book grows to 22,105cr
🏦Average Loan book size at 20 lakhs

(9/24)
Equitas Small Finance Bank:Weak

🏦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)
Indusind Bank:stable

🏦Assets grow by 18%
🏦Deposits grow by 27%
🏦Gross NPAs at 2.67%
🏦PCR at 75%
🏦Carries provisions of 8492cr

(11/24)
Kotak Mahindra Bank:Cautious

🏦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)
RBL Bank:Weak

🏦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)
Bandhan Bank:Weak

🏦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)
CSB Bank: Stable

🏛 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)
L&T Finance Holdings:Stable

🏦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)
Aavas Financiers Results:Stable

🏦AUM grows by 21%
🏦Stage 3 assets increase to 0.98%
🏦No dividend declared
🏦81% Term Loans make up the borrowing profile

(17/24)
DCB Bank: Stable

🏦Loan grows 2% YoY
🏦Deposit degrows 2% (surprising)
🏦Gross NPA doubles to 4%, PCR at 62%
🏦CAR at 20%

(18/24)
DFC First Bank: Stable

🏛 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)
Federal Bank:Stable

🏦Advances grow by 9%
🏦Restructuring at 1409cr
🏦Collection efficiency at 95%
🏦Slippages at 1685cr
🏦Gross NPA at 3.41%

(20/24)
Canara Bank:Weak

🏦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)
Ujjivan Small Finance Bank:weak

🏦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)
AB Capital:Weak

🏦Loan disbursement growth at 3%
🏦2.3% loan book restructured
🏦98.7% collection efficiency
🏦Housong Finance NPAs continue to riseHousing
🏦AMC reports the highest ever profit

(23/24)
Conclusion:-

🏦Large Banks continue to gain market share in deposits and loan growth
🏦Small Banks struggle
🏦NBFCs struggle barring one or two

(24/24)

More from Aditya Shah

Aditya Shah
Aditya Shah
@AdityaD_Shah
Index Funds have been a red hot equity passive Mutual Fund strategy in the last 10 years!

A thread🧵explaining why index funds should be a part of ur equity MF portfolio!

Hit "Retweet" to educate maximum investors

Let's go👇

(1/18)


Passive vs Active Mutual Fund Strategy

Active Strategy:-

Active investing, as its name implies, takes a hands-on approach and requires that someone act in the role of a portfolio manager.

The goal of active money management is to beat the stock market’s average return

(2/18)


Passive Strategy:-

Passive investing entails a non-active role on part of the investor.

When you invest in a diversified portfolio with low costs and a long-term horizon, it tends to deliver returns comparable to the market average.

(3/18)

What are Index Funds?

Index Fund invests in stocks that imitate a stock market index like the Nifty, Sensex.

These are passively managed funds which means that the fund manager invests in the same securities as present in the underlying index in the same proportion.

(4/18)

The relentless rise of Index funds:-

The assets under management (AUM) of passive products will grow eight times from the current levels of ₹3 trillion to ₹25 trillion by 2025

Passive assets will grow to constitute 37% of the overall assets in the MF industry by 2025

(5/18)
ALL
Aditya Shah
Aditya Shah
@AdityaD_Shah
So many terminologies in Banking!

Confused?😥🤔

Dont worry.

A thread🧵 on basics of Banking

Hit "Retweet" to educate Maximum Investors

Lets go👇

(1/20)

Types of banks:-

Your money should be parked in scheduled commercial Banks

Scheduled Commercial Banks
-PSU Banks
-Private Banks
-Foreign Banks
-Small Finance Banks

Do not park money is Co-operative/Regional Banks

List is shown below

(2/20)


NPA, NPA, NPA! Kya hain yeh NPA?🤔

Gross NPA (GNPA)-

It is the total loans on which no payment has been paid for 90 days or more.
GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances.

(3/20)

Net NPA (NNPA)-

The total figure left after deducting provisions made for bad loans from GNPA.
(GNPA – Provisions+upgrades/writeoffs = NNPA)

(4/20)

Special Mention Account (SMA) –

SMA-0

SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days.

(5/20)
SECTORLEARNINGS , ALL , BANKING LEARNINGS
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Aditya Shah
Aditya Shah
@AdityaD_Shah
When the upcycle in a sector is very strong
Poorly managed companies also make returns

2021 steel cycle-
SAIL went up from 30 to 120

Now in the current credit upcycle:-
PSU Banks are making money!

But does this mean credit culture has changed for PSU Banks?
No evidence of that
MARKET CYCLE
Aditya Shah
Aditya Shah
@AdityaD_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 , PROPERTY
Aditya Shah
Aditya Shah
@AdityaD_Shah
Parag Parikh Flexi Cap has been an investor favorite over the past 2 years.

Should u chase the fund?

An in-depth thread🧵 analyzing the performance and strategy of the fund.

Hit "Retweet" to educate maximum investors.

Lets go

(1/20)


Scheme:-
Parag Parikh Flexi Cap fund

Fund Manager:-
Mr Rajeev Thakkar

AUM:-
29,294cr

(2/20)

PPFAS has been the vision of the great Late Parag Parikh.

A true Value Investor.....who lost his life while attending a Berkshire Hathway AGM.

The Mutual fund has tried to remain true to the investing concepts laid by Late Mr Parag Parikh.

(3/20)


Fund Manager:-

Mr Rajeev Thakkar possesses over 15 years of experience.

Joined PPFAS in 2001.

Rajeev is a strong believer in the school of "value-investing" and is heavily influenced by Warren Buffet and Charlie Munger's approach.

(4/20)


Mr.Thakkar is a Chartered Accountant, Cost Accountant, CFA, and CFP. He has been associated with PPFAS AMC since 2013.

Mr Thakkar has been the lead fund manager at PPFAS Mf ever since launch.

(5/20)
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More from Stockslearnings

HMK alias MANOJ
HMK alias MANOJ
@scorpiomanojFRM
#FreeTip
#PriceAction
This PA concept is not avlb in any textbooks:
In an uptrending market if the candle size decreases
a) but in an upward trajectory, the chances of price falling is high.
b) but in an horizontal / downward trajectory, the chances of continuing trend high
STOCKSLEARNINGS , ALL , STOCKLEARNING
Julian Komar
Julian Komar
@BlogJulianKomar
I personally don't buy any breakout! It must fulfill some criteria:

– Volatility contraction closely to the breakout line
– Volume dry up
– Sound chart pattern
– Story stock or great fundamentals

Pay attention to the details!
Don't blindly buy every outbreak.
STOCKSLEARNINGS
Advertisement
HMK alias MANOJ
HMK alias MANOJ
@scorpiomanojFRM
#PivotShiftIndicator
Those who followed this today would not have gone long in the open.
Both PSI and advance decline momentum were sloping downwards continuously even when the mkt gapped up and kept going up.Trollers might say this as post Mortem. But I made what I can... 😌.
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Colibri Trader
Colibri Trader
@priceinaction
Fibonacci and how to use them
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Plutus Academy
Plutus Academy
@plutusac
Stocks below EMA( 9, 21,63 ), these stocks are avoid for us, till the time they are below EMA-63

~Bandhan Bank
~Astra Zen
~APLL
~ Amara Raja
~ Escorts
~ Hero Moto
~ Indus Tower
~ M& M Fin
~ Petronet
~ Zeel

Universe : Nifty -500

@Prakashplutus
@preetiplutus
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He did invent the CueCat, a product that somehow raised $185 million dollars for a tethered barcode scanner for magazines and newspapers, so you could get ads from your ads. As I said, the dumbest product of all time. Good backup barcode scanners after they were hacked, however

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Shri Hanuman had boon to be immortal. And be present where ever there is Ram stuti.
I came across this beautiful story that I would like to share
#threadstories
#Hanuman ji is believed to live in the foothills of Himalayas. But once he spent a lot of time in Sri Lanka
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Where Ravan's brother ruled for many years..
On his way back he came across tribal people from community called #Mathanga
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The Mathangs also maintain a ‘logbook’ where they record all the words spoken and ‘leelas’ performed by Lord Hanuman.
They call him their Guru
Who teaches them how to live their lives.
A Sri Lankan organization called Setuu is studying this ‘logbook’ and also conduct
4/9

programmes for Hanuman devotees who can do ‘Sadhna‘ under the guidance of Setuu masters. Devotees who qualify all the criteria will be eligible for Hanuman’s ‘sakshaat darshan‘
The Setuu has certain conditions that need to be kept in mind which includes devoting one complete
5/9
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