🏦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)
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(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)
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The entire discussion around Facebook’s disclosures of what happened in 2016 is very frustrating. No exec stopped any investigations, but there were a lot of heated discussions about what to publish and when.
In the spring and summer of 2016, as reported by the Times, activity we traced to GRU was reported to the FBI. This was the standard model of interaction companies used for nation-state attacks against likely US targeted.
In the Spring of 2017, after a deep dive into the Fake News phenomena, the security team wanted to publish an update that covered what we had learned. At this point, we didn’t have any advertising content or the big IRA cluster, but we did know about the GRU model.
This report when through dozens of edits as different equities were represented. I did not have any meetings with Sheryl on the paper, but I can’t speak to whether she was in the loop with my higher-ups.
In the end, the difficult question of attribution was settled by us pointing to the DNI report instead of saying Russia or GRU directly. In my pre-briefs with members of Congress, I made it clear that we believed this action was GRU.
The story doesn\u2019t say you were told not to... it says you did so without approval and they tried to obfuscate what you found. Is that true?
— Sarah Frier (@sarahfrier) November 15, 2018
In the spring and summer of 2016, as reported by the Times, activity we traced to GRU was reported to the FBI. This was the standard model of interaction companies used for nation-state attacks against likely US targeted.
In the Spring of 2017, after a deep dive into the Fake News phenomena, the security team wanted to publish an update that covered what we had learned. At this point, we didn’t have any advertising content or the big IRA cluster, but we did know about the GRU model.
This report when through dozens of edits as different equities were represented. I did not have any meetings with Sheryl on the paper, but I can’t speak to whether she was in the loop with my higher-ups.
In the end, the difficult question of attribution was settled by us pointing to the DNI report instead of saying Russia or GRU directly. In my pre-briefs with members of Congress, I made it clear that we believed this action was GRU.
