Will this Hated Sector give Multibagger Returns? 🏦
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- Опубликовано: 7 окт 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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In my opinion, for the investment world, SOIC is the most trustworthy channel on the entire RUclips platform....keep doing well & stay blessed....🙏💚
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@@SOICfinance thank u so much....
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 ✅
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
Coincidentally:- Invested in HDFC Bank,SBI,Kotak Bank due to value investing concept Since 2021.Holding all Quantities
Same here holding HDFC , Kotak since 2021. When ever I get frustated with the Price Movement as you know these 2 have not moved since last 3 years so I come back to SOIC and look for assessment. Honestly holding all these due to SOIC only and every month I keep accumulateing then as I am at 483 units of HDFC as on today with a target of 500 units. Please share your journey in holding these banks you highlighted primarily HDFC and KOTAK
Same goes to Bajaj Finance holding 110 units since 2021.
just love your each and every video. pure knowledge no bakwas. no Paid promo. respect sir 🙏
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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
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
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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Banking sector will take 2 years to improve the profitability
Presently contra investing
Thanks for very very nice explanation Regards
Loved it you were the first who pointed about leadership change in the banking sector ❤
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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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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.
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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Thanks a lot. Every sunday it is my routine to listen you
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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.
Great video and thanks for going lengths in explaining. Federal Bank can be a dark horse in the game.
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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.
Covered in updated video..CDR ratio since last 12 Quarters included
Such analysis are highly appreciated and helpful for retail investors. Thank you from my side .keep continue
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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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Amazing analysis of Bank & NBFC sector 🙌🏻🙏🏻... But no talking about how much amount govt white offs the bad loans of PSU banks.
Loved It.
Banking sector is a contra play at the moment.
Loved it! Thanks for educating
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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....
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
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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Once again, one of the best video on this sector in India.
Great value provided by SOIC ... Love from Gujarat
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As usual informative content. Good work. Thanks ☺️
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This is exceptional analysis of banks and nbfc
Kaha se laate ho Paji itna deep knowledge
Big fan of you
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your videos are so satisfactory and educational ...thanks a lot , really appreciate the efforts
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this channel never disappoint. like always loved it
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Mind blowing work again by Soic. Love you 🎉🎉🎉🎉
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Hey, Please do brief fundamental analysis on Kaynes technology......
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
lemme give you a food for thought.. think with pie chart in mind.. investor allocate X amount to banking in their portfoilio... PSU banks were not in favor earlier..
Lot of work behind this video appreciate your efforts
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Great analysis on this sector, which is slightly difficult to evaluate and find hidden gems
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Great informative and valuable video keep going SOIC❤💯
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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
Loved the difference of perception point sir.
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Very good analysis with a lot of details and excellent coverage.
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Loved it!!!!! Really appreciate your efforts....Thanks SOIC team....
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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!
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 .
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
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.
Thank you Ismohit, SOIC videos are like treat for weekend . 👍
Holding 15% of my portfolio @Banks n NBFC
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Ishmohit bhai ek pharma pe sectoral video bana do - CDMO+CRO+API+FORMULATIONS+NICHE PROXIES
Excellent Analysis as usual. I'd love to see Arman Finance also included in this analysis.
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Excellent video!! Definitely loved it :-)
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Great Video, HDFC, KOTAK, CHOLA, CREDIT ACCESS and AU looks good long term buy
Hi, SOIC4 coupon is not working.
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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Today SBI given great number and profit after tax 1 trillion by this 2024 2025 financial years.
Great and all the best for this bank
Ignore until the interest starts falling down
Any plans to conduct an investor meet-up in Mumbai?
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...?
sublime analysis of the banking sector
Superb research…thanks a lot
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Awesome
always dependable and best analysis.
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Best analysis sir🙏🙏.
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Rerating expecting with fall in interest Rates
Release of Deposit will further boost Strong Banks
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
Lots of love and one more brilliant video❤s
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You should have included Idfc First Bank in your analysis ,It is growing very fast
Love and appreciate your work
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Loved it Paaji ❤ Superb analysis....I wish IDFC First Bank should have been included. Thanks.
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Excellent. analysis....
Loved it.....
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Bandhan and IDFC are missing, please include that also.
Why a huge difference between GNPA AND NNPA in case of Ujjivan SFB? Is that due to large provisionong?
Please make a video on defence sector value chain
Bank to fir bhi sahi hai Bajaj Finance kaise itna low PB par trade kr sakta hai .
Future Growth thoda kam hai lekin vo bhi to bahut hi hai
Arman finance and Union Bank of India is missing. I think they are also doing well.
soic is way ahead from others in terms of quality content
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Hi..
Very good detailed analysis...thanks
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Bonus- one interested defense company that SOIC is studying Zen technology.
Do your own research before taking any call.
I just gave you the starting point.
Hope it will help
Loved it
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
I think banks will be derated further when NIMS will be lower for 3-4 quarters as rate cuts will happen..
Thank you
Thanks Ishmeet,
pl make a similar vedio on second line pvt banks...
Loved it❤
thanks
Man, fantastic job with the video ❤
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One of the loveliest Chanel
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Loved it❤
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Kindly, make video on Capri global and choice international
Excellent commentry paaji 😊
Excellent, Sir
Venus pipes analysis please
Soic at its best, cycle will turn n banks will comeback.. maybe after 1/2/3 quarter depend on market participants intrest..
Good time to discuss this sector
How about Manappuram finances and it's micro finance arm "ashirvad finance"
Very nice analysis
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IMO such high p/b will be history and many will never achieve that. Global banks r cheap
very Informative Video, Like to learn more from you, expecting some more discounts on your course fees..
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is icici also undervalued like the other banks?
Sat Shri akal veer ji❤
Proud of you
Paji is next Warren buffet❤
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Very good analysis ❤
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