Will this Hated Sector give Multibagger Returns? 🏦
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- เผยแพร่เมื่อ 10 พ.ค. 2024
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Money is the blood for an economy and Banks are the vessels that carry that blood all across various parts of the economy. Today, we take a look at a hot favourite sector of the past that has seen a fall in the pecking order of preference.
We will take a look at the following issues plaguing the valuations of this very important sector.
1. PSU Banks
2. Regulatory Actions
3. NIMs
4. Problem of size
5. Issue of liabilities
Hope you enjoy the video and presentation.
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The reason accorded for a high C/D ratio of HDFC Bank is incorrect. It is not because they were growing the loan book at a rapid rate without paying heed to the C/D ratio. Rather, it is primarily due to merger of the housing finance arm (HDFC) with the commercial bank (HDFC Bank). The loans granted by the housing finance arm were primarily funded through non-deposit sources and that is why the C/D ratio of the merged entity has become lopsided. This also has impact on the margins due to increased share of housing loans (a low margin product) in the aggregate loan book of the merged entity.
No matter how much concalls or various reports i read regarding a particular industry,the knowledge and insight that i get from your videos is just out of the box.Thank you so much paaji and whole team of SOIC for working so hard in order to save and educate retail investors.🙏
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Super 👌.. IDFC First is missing
Akshat's student , Attendance marked ✅
Coincidentally:- Invested in HDFC Bank,SBI,Kotak Bank due to value investing concept Since 2021.Holding all Quantities
Hi ishmohit. I was watching video of marcellus where they were talking about the ratio price/free cash flow. What are your views on it and how to use it . ( How will you get to know undervaluation/overvaluation ) using it. Thanks
SBI is achieving a ROE of 20% because they are leveraged 21 times. Whereas Bajaj Finance is only leveraged 6 times, HDFC Bank is leveraged 9 times and KMB is about 7 times as Mr. Kotak is very risk avarse. ROE is very much a function of leverage but I think 21 times leverage is risky.
Nice perspective
How to find leverage?
How to find the leverage
Check debt on equity
@@TheCuriousCurator-HindiRoe/Roa
Loved it! Thanks for educating
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Thanks a lot. Every sunday it is my routine to listen you
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Gud....❤...mere pass credit access hai,mas finance ,home first and ujjivan bhi....going to take chola....rate cut ke bad ye daudenge aisa basant sir bol rahe hain...what do ubthink abot rec,pfc ,ireda ,ptc...?
Amazing analysis of Bank & NBFC sector 🙌🏻🙏🏻... But no talking about how much amount govt white offs the bad loans of PSU banks.
Loved it you were the first who pointed about leadership change in the banking sector ❤
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sublime analysis of the banking sector
Banking is a contra play. Value is emerging. If one has the patience to hold for 5 years he can make good money
Loved the video
Loved it!!!!! Really appreciate your efforts....Thanks SOIC team....
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What is more important the investment horizon? for my investment, its a must to have a decadal horizon. And with growth of HDFC and Kotak revenue and profit growth without any appreciation of stock price, its only a matter of time before things change. It may take 1 or 2 yrs, fundamental will surely catch up and by that time good entry point will not be visible.
Sir, If we underscore the concoll of bajaj finance. Then all the large banks will also see NIM contraction, when the RBI start to to cut the intrest rates. That's why the markets have discounted it and we are seeing derating. And when the intrest rate goes down, the loan growth will happen but then deposit growth will become a new challenge for these banks.
Mind blowing work again by Soic. Love you 🎉🎉🎉🎉
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As usual informative content. Good work. Thanks ☺️
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Banking sector will take 2 years to improve the profitability
Presently contra investing
Thanks for very very nice explanation Regards
Private sector banks look to be going through a period of regulatory actions (especially HDFC, Kotak) and will take at least 1 year from now to stabilize and grow from there. In my view one should think of SIP in such stocks over a period of next 2 years can fetch good returns. Also, it might happen that RBI will cut rates going forward, which will impact the bank sector as lowering interest rate scenario is not in favor of banks due to NIM contraction. It may happen that, it might take more than 3 years to see strong growth in banks.
your videos are so satisfactory and educational ...thanks a lot , really appreciate the efforts
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Great informative and valuable video keep going SOIC❤💯
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Pranam sir 🙏 sir stock scan mai trend twist se entry kaise lete hai explain
A meaning ful information in it . U hv to analyse other mid size PSU banks like canara Indian Bob pnb....well I like SBI kotak chola avas as I m invesed
Why a huge difference between GNPA AND NNPA in case of Ujjivan SFB? Is that due to large provisionong?
thanks
just love your each and every video. pure knowledge no bakwas. no Paid promo. respect sir 🙏
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Excellent video!! Definitely loved it :-)
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Once again, one of the best video on this sector in India.
Superb research…thanks a lot
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Loved it❤
Had I read and researched for all these data it would have taken me a week, but thanks to u, after watching the video for 40 mins I got a comprehensive and detailed view
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Thanks Ishmeet,
pl make a similar vedio on second line pvt banks...
is icici also undervalued like the other banks?
Excellent, Sir
Loved the difference of perception point sir.
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what is USFDA Movement for sector, means ?
Great Video, HDFC, KOTAK, CHOLA, CREDIT ACCESS and AU looks good long term buy
Hi, Genera;;y the P/B of NBFC are higher, kindly guide on the same. With interest going down whenever in 2024 the P/B will increase
Excellent. analysis....
Loved it.....
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Excellent commentry paaji 😊
How about Manappuram finances and it's micro finance arm "ashirvad finance"
Very good analysis with a lot of details and excellent coverage.
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Great value provided by SOIC ... Love from Gujarat
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Hi..
Very good detailed analysis...thanks
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where do you get all this market sector data from.... i it from rating agency or some place else
Investor presentations, crisil notes, NSE website
Loved It Paaji
Thanks a lot brother. You are creating genuine and good quality content.
User friendly interface, providing even ppts keep geowing brother. Learning from you. ❤
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Hey, Please do brief fundamental analysis on Kaynes technology......
this channel never disappoint. like always loved it
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Lots of love and one more brilliant video❤s
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Private banks are deeply discounted . . . . maxmise your positions in case you can stay invested for next 3-5 years. This sector will give you a CAGR of 20-25 percent innext 3-5 years
Love and appreciate your work
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Kindly, make video on Capri global and choice international
Ignore until the interest starts falling down
Awesome
always dependable and best analysis.
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Outstanding analysis..thanks. where RBI has been misplaced is to focus so much on credit to deposit of 85%. Worldwide the ration is inverted. RBI is as usually stupidly relying on outdated liability model whereBond market was poorly developed. As investors shift to Debt mutual funds obviously deposits in system will be less. And MF will rather places in bonds. To not allow Bonds to be included in the deposit ratio is foolish. Infact as banks give longer maturity loans lIKE HDFC ICICI SBI give 30 year housing loans they should be asked to match Bond and deposit maturity to their loan books. Additionally deposits can be withdrawn at one day notice that often causes a run on the bank where as bonds are held till maturity . Mark to market can affect the investor but not the issuer. Focus should be on ALM and not CD ratio.. as usual who can tell all might RBI which has a history of being one of the poorest Banking and NBFC supervisor WHERE we see repeated road accidents . ASIAN regulators are far wiser in bank supervision despite having ore chalenges as there are fewer PSU banks that are can exist with lazy government capital backing them. Hope we get a change in banking supervisor and directors at RBI which is good in macro but pathetic bank management
Great video and thanks for going lengths in explaining. Federal Bank can be a dark horse in the game.
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Hi, SOIC4 coupon is not working.
Thank you Ismohit, SOIC videos are like treat for weekend . 👍
Holding 15% of my portfolio @Banks n NBFC
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Thank you
Any plans to conduct an investor meet-up in Mumbai?
Rerating expecting with fall in interest Rates
Release of Deposit will further boost Strong Banks
Good time to discuss this sector
Great analysis on this sector, which is slightly difficult to evaluate and find hidden gems
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Such analysis are highly appreciated and helpful for retail investors. Thank you from my side .keep continue
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Loved the analysis.. Personally of the opinion that once the current euphoria on capex cycle in power,infra,railway,defence cools down, BFSS will be the only logical space for smart money. Cheers!
Ishmohit bhai ek pharma pe sectoral video bana do - CDMO+CRO+API+FORMULATIONS+NICHE PROXIES
Hi Soic, Can you make a video on Bandhan bank, city union bank and ujjivan small finance bank?. I see a lot of PSU and nbfc are giving good return whereas these 3 stocks are struggling
Lot of work behind this video appreciate your efforts
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Loved it
best video to understand indian banks in every sector learned way too much from this video and salute to soic there are just doing great work this channel is one channel which is truly education people about stock market and about business others are just giving up tips and fighting with trollers 🤣🤣 but truly appreciate soic .
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Please make a video on defence sector value chain
Arman finance and Union Bank of India is missing. I think they are also doing well.
I added membership with u..thanks
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Bandhan and IDFC are missing, please include that also.
This is exceptional analysis of banks and nbfc
Kaha se laate ho Paji itna deep knowledge
Big fan of you
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Sir ji, aap bahut sahi batate ho yaar... Jahan baaki saare "financial advisor" apna video khatam kar dete hain, wahan se aapka video to chalu hota hai...
Bahut Awesome... ❤ your work...
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I think hdfc bank is suffering due to timing , hdfc merger leading to bank becoming too big to handle rbi mandate and once its strength is turning out to be its weakness , but i hope that hdfc bank stock grows , it has been stagnant for the last four years .
Very good analysis ❤
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Video length may seem longer to some people.. as an investor not at all a lengthy video .. excellent work by SOIC team .. thank you!!
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Sir please make a short video for how to find multibagger stock using fundamental analysis and reading annual reports.
Much needed topic....
Sir jai hind 🙏🙏🌹🌹💖💖
Your opinion on Indusind bank ?😢
Sir aapne IDFC bank include nahi kiya
Amazing Analysis 👏 😮
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loved it
Very informative ..👏👏
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Loved it Paaji ❤ Superb analysis....I wish IDFC First Bank should have been included. Thanks.
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Thanks sir❤🎉
Love it
Please make an analysis on Bandhan Bank
Very informative video like always❤️. Can you do video on technology industry which is no one is talking about right now but future is a lot and discuss some of the stocks like tata Elxis, LTTS, Infosys, TCS and others which are worth looking at thank you 🙏
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Best Analysis ❤
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sir plz make video on TVG framework
Loved it 😊
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Loved it :)
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Venus pipes analysis please
nice video, thank you sir
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