How does Banking work and why doesn't Cash Flow matter?
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- เผยแพร่เมื่อ 22 ส.ค. 2024
- How does Banking work and why doesn't Cash Flow matter?
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Why do PSU banks trade at a cheap valuation? Why hdfc always trade at a premium to PSU banks? Have you ever looked beneath the ROE, have you compared ROA's of different banks? To know more, do watch this video!
Business Covered - ICICI Bank Ltd, HDFC Bank Ltd, Kotak Mahindra Bank Ltd, State Bank of India
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Everything is cleared about Banking stock ..Thank you from south korea
Humbled 🙏 Thank you for watching
Thanks from Germany 🇩🇪
Some of my knowledge gaps were bridged by watching this video. Even though I have working knowledge of valuation, i always found it difficult to explain why kotak was better than HDFC. Kudos sir! It was a pleasure watching your video.
I do have a question. Do you prefer to value banks using multiples mentioned in this slide or you use fcfe or ddm to arrive at the value?
Thanks Shruti :)
@@SOICfinance bajaj finance has provisioning of around 59% .....is this a red flag?
Your comment @42:40🙏🏼👏🏼 ..my respect towards you increased exponentially, it’s not only about your best content and analysis but those little words matters alot, thank you so much bro 🙏🏼
Thanks Shanki for your kind words :) For more insights on business & industries, kindly visit- www.soic.in/blogs
Masterpiece, You are a great teacher. God bless you
Thanks
I always felt Kotak is better due to long runway for growth and excellent management but finally understood why. Thanks for explanation.
Thank you for watching our video! @Arun Bhatt 😁
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Lovely way you teach ROE n ROA. UNDERSTOOD SIR❤❤
We're glad to know you're taking time out to study with us to become an intelligent investor. 🤝😃
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As much I know Bandhan bank ka NIM sabse jyada 8% k aas paas hai. ICICI, Axis, Kotak NIM are just around or below 4%. I am not bothered about other smaller banks or PSU banks.
Thanks for your nice teachings.
It's due to the nature of the lending. Bandhan does microfinance, which is riskier in nature. Don't just fall for high Nims :)
@@SOICfinance Thanks for your valuable suggestions!
@@SOICfinance Why microfinance is riskier? Basically it is less riskier than corporate loan
@@ashokbalani2010 I think mostly they are unsecured
Very well done.Real value addition.All the best to you
Thanks for your kind words :) Hope to add more value in your investing journey. For more insights on business, industries & newsletter, kindly visit- www.soic.in/blogs
Very interesting and knowledgable video shared. PSBs are doom. (Rule 1 does not adhere)
Will surely try and find Interest Coverage ratios of the banks.
Thank you so much Ishmohit for the efforts and teaching us.
I would rather prefer you find out the financial leverage of all the banks, Car ratio, Gnpas, Provision coverage and the cost to income ratios 👍👍
Really wonderful.. Mind blowing sir. Thanks
Presentation was awesome sir you have my utmost respect , I just want to ask a question that Npa of hdfc is less than Kotak which means the management of HDFC BANK is able and lending Most of their money to the people which has the ability to return money comparatively than kotak so wouldnt that make a difference to them because 10 yr cagr of kotak is 5% less than HDFC bank?
Very helpful ... thanks for all your efforts
We're glad to know you're enjoying learning from our content. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤝
Very nice and detailed information..
Thanks :)
Good in-depth analysis of Banks
Hey i couldn't understand the calculation ( time : 24:07) part where u tell about financial leverage of lehman bros. I had 1 re of equity. 44 re of assets against that equity. And from that 44 re, My NPA was of Re 2.25. I couldn't understand how multiplying these two would result in destroying my equity.
I also have the same doubt
I think he mistakenly told 2.25 rs it should be 2.25 %
Valueable content …thanks sir
Thanks for watching our videos. 😃 We hope they add value to you.
I made notes of this video, truly amazing and fundamental insight into key terms of banking industry.
Very nice explaination for banking sector. SIR, Please make video on how to understand FMCG sector using various numbers.
Hi Jay! 😁 Thanks for watching our video!
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Excellent explanation about banking!
very knowldgable video bhai
Thank you so much for this knowledgeable video ❤
We're happy that you're taking learnings from our content.😃 We hope to continue adding value to your investing journey. 🤝
Could you please also do a video on NBFC companies like Muthoot, Manappuram and Transport finance companies with its Pro's nd con's ? Thankyou for your Awesome work educating novice retail Investors lke me.
We have covered NBFC sector in our banking webinar. Providing you the link- pages.razorpay.com/pl_FrsEkILQ3BYQWO/view
Really informative video...thanks for posting.
Thanks for your kind words :)
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I have read this ... But now understand it too 😁😁👍👍👍
Great :) , Also do check our website- www.soic.in
Excellent video
We're glad to know you're taking time out to study with us to become an intelligent investor. 🤝😃
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please make a simliar video for nbfcs
😃👍
Ty very much sir for this wonderful video.
Will love to hear on API player like neuland lab.
Thanks for you kind words :)
Sure, stay tuned.
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Thank u very much bro
watching in 2023, still a goldmine. Thank you for producing such wonderful content
Wah maza aaya... 🙏👍👏
How to Calculate Interest Earning Assets for a Bank from Balance Sheet?
Thankyou bhai....this was very very informative.... God bless you yaar
V.Good and detailed information
Thanks Suraj :)
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Sir, Can I get the link of the recorded webinar. I missed the webinar
Link to join the Speciality Chemicals Webinar: rzp.io/l/GNK2hQKTMV
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Link to watch the Banking webinar recording: rzp.io/l/HXLUHDa6b0
Hi @SOIC,
@20:41 , Can you help explain what is the difference between
1. Yield on total interest -Earnings asset Vs. Yield on Advances
2. Cost of Funds Vs. Cost of Deposits
Very good. Can you pls make a video for small finance banks?
Sure, you can also attend our webinar on Banking where we have covered small finance banks in detail- rzp.io/l/HXLUHDa6b0
But Kotak Also have High PB of more than 6.
I've watched whole video and I went to visualisation page of soic but couldn't find this presentation used in above video. I'll be indebted if you could please provide me the link for this presentation once ?
Thank you so much 🥰🥳
I like your teaching..I could understand little bit..
Could u plz explain in English 🙃
Sure, we would be add subtitles soon :)
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Hi Ishmohit, well detailed presentation just wanted to ask. Is insurance sector covered in SOIC?
Thank you for watching our video! @Sidharth Soren 😁
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Thank you sir🙏
Rain industries ki report banao .. and send karo please its a humble request
@Ashish Kumar its not an order its a humble request.. Please
I was searching this answer and sold hdfc at 1900 due to this as hdfc was having consistent negative free cash flow
So a detailed study of cash flows of bank is not necessary?
If we study the ratios mentioned in the video?
Yes :)
Sir can you please explain how the market's discounting machanism works
Soon in a framework video
Good informative video. But then what model should be used to find intrinsic value if DCF method can not be used for financials?
We have covered valuations in our Banking sector webinar. Kindly check- pages.razorpay.com/pl_FrsEkILQ3BYQWO/view
Can you please explain share capital and reserves in some detail?
Sir please tell about balaxi pharma
Hi Sir, very nice content and thanks for your hard work and effort to share the knowledge. You are really doing very good job. Thanks for that. Somewhere you have mentioned that site name to get the good knowledge of banking domin. Can you please post here.
Can i get slides of this presentation? Link
Is this also applicable to NBFCs?
I believe yes.
Siddharth, we have covered entire sector of the banking including NBFCs and small finance banks in our detailed Banking webinar. Have a look- soic.in/pay-banking
great👍👍
Hi Shivansh!😁 Thanks for watching our video.
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Can you please provide link to your banking webinar recording?
Sure, kindly mail us on info@soic.in
Good information. But nowadays banks are earning good income from non-core banking activities. Can you please explain how to consider this income while studying bank stocks. Also what is the right method of finding intrinsic / fair value of a bank stock.
Sure, soon we will be shifting to analyzing financials
@@SOICfinance Thank You 👍
Watching it in 2024. Interesting view on PSU banks 😂😂
Facts change :)
@@SOICfinance Yes boss
Sir,
If kotak is better than hdfc bank..thane why u have invested only in hdfc bank..is there any reason behind that..plz reply..🙏
Bandhan bank NIM is most higher than others banks.
Doubt : Provision Coverage Ration
what is the benefit of keeping aside profit against bad loans?
I mean, if 100 crs of loans are given, 20crs have not returns
HDFC says 15Crs wont come back, provision=15Crs
IndusInd says 5Crs wont come back, provision=5Crs
but IndusInd will try to get other 15Crs by either giving the lender some time to return it back or will not keep the profit aside against the bad loans and use the profits to grow their business
I would want to know more about it..!!
Thanks In Advance.!!
Hare Krishna..!!🙏