How does Banking work and why doesn't Cash Flow matter?

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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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Опубликовано:

2 июн 2020

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Комментарии : 104

@user-oh4sf7ft9d 3 года назад

Everything is cleared about Banking stock ..Thank you from south korea

@SOICfinance 3 года назад

Humbled 🙏 Thank you for watching

@sanoojs4508 Месяц назад

Thanks from Germany 🇩🇪

@shaviccrazy 3 года назад

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 🙏🏼

@SOICfinance 3 года назад

Thanks Shanki for your kind words :) For more insights on business & industries, kindly visit- www.soic.in/blogs

@msingh683 3 года назад

Masterpiece, You are a great teacher. God bless you

@SOICfinance 3 года назад

Thanks

@pbshruti 3 года назад

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.

@pbshruti 3 года назад

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?

@SOICfinance 3 года назад

Thanks Shruti :)

@healyou4243 Год назад

@@SOICfinance bajaj finance has provisioning of around 59% .....is this a red flag?

@ajitkumarjain6585 3 года назад

Excellent explanation about banking!

@abhishek_raj 2 года назад

I made notes of this video, truly amazing and fundamental insight into key terms of banking industry.

@depanjannath 3 года назад

Very well done.Real value addition.All the best to you

@SOICfinance 3 года назад

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

@ashugoel3898 3 года назад

Good in-depth analysis of Banks

@jeevanraajan3238 Месяц назад

Really wonderful.. Mind blowing sir. Thanks

@sanketmarutiraosonawane9519 3 года назад

Really informative video...thanks for posting.

@SOICfinance 3 года назад

Thanks for your kind words :) For more information & blogs, kindly visit- www.soic.in/blogs

@Kaizad78 5 месяцев назад

Lovely way you teach ROE n ROA. UNDERSTOOD SIR❤❤

@SOICfinance 5 месяцев назад

We're glad to know you're taking time out to study with us to become an intelligent investor. 🤝😃 Thank you for watching our analysis videos & your support.

@pratikchoudhury5849 3 года назад

Thankyou bhai....this was very very informative.... God bless you yaar

@rohandc96 5 месяцев назад

Very helpful ... thanks for all your efforts

@SOICfinance 5 месяцев назад

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. 🤝

@priyaanshu0607 4 года назад

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.

@SOICfinance 4 года назад

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 👍👍

@chetan4722 4 года назад

Very nice and detailed information..

@SOICfinance 4 года назад

Thanks :)

@ABCofsharemarket-sh6fq Год назад

very knowldgable video bhai

@Darsshnn 2 года назад

Thank you so much 🥰🥳

@helorohan 2 года назад

Valueable content …thanks sir

@SOICfinance 2 года назад

Thanks for watching our videos. 😃 We hope they add value to you.

@RajuRoy-uo4cj 3 года назад

Thank you sir🙏

@RATHODJASRAJ 3 года назад

Ty very much sir for this wonderful video. Will love to hear on API player like neuland lab.

@SOICfinance 3 года назад

Thanks for you kind words :) Sure, stay tuned. For more information & blogs, kindly visit- www.soic.in/blogs

@shanu5406 2 года назад

Wah maza aaya... 🙏👍👏

@reshmaraghatwan2173 2 года назад

Thank u very much bro

@jaycmodi 3 года назад

Very nice explaination for banking sector. SIR, Please make video on how to understand FMCG sector using various numbers.

@SOICfinance 3 года назад

Hi Jay! 😁 Thanks for watching our video! We’re glad our content was educative and engaging for you. 💯 We will consider your suggestion for an analysis on FMCG sector. 👍📝 📌Join our Live RU-vid Session on Sunday at 11 a.m!📌 ✅ Keep yourself updated by checking our RU-vid community page! ✅ 💡Our published presentations on the videos here: www.soic.in/visualization 💡 🆕 Check out our latest blog on ‘J B Chemicals: A Quasi FMCG?’ soic.in/blog-description/jbchemicals and ‘Syngene’s Business Updates Q4FY20:’ soic.in/blog-description/syngeneupdate 🆕

@arunbhatt8706 3 года назад

I always felt Kotak is better due to long runway for growth and excellent management but finally understood why. Thanks for explanation.

@SOICfinance 3 года назад

Thank you for watching our video! @Arun Bhatt 😁 We appreciate your feedback and support.😁👍 We hope you continue to learn along with us! We're glad that our video was helpful for you. ➡️ Do subscribe to our channel ⬅️ 🆕 Check out our latest blogs on Neuland Labs: What are Peptides?: soic.in/blog-description/neulandlabs and ICICI Securities: soic.in/blog-description/icicisecurtities

@DeepakKumar-db9is 3 года назад

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?

@mahendrasau9330 2 дня назад

Thank you so much for this knowledgeable video ❤

@SOICfinance День назад

We're happy that you're taking learnings from our content.😃 We hope to continue adding value to your investing journey. 🤝

@surajpowar3701 3 года назад

V.Good and detailed information

@SOICfinance 3 года назад

Thanks Suraj :) For more information & blogs, kindly visit- www.soic.in/blogs

@samirmansuri5019 3 года назад

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.

@rsk6688 3 года назад

I have read this ... But now understand it too 😁😁👍👍👍

@SOICfinance 3 года назад

Great :) , Also do check our website- www.soic.in

@amardeep5797 5 месяцев назад

Excellent video

@SOICfinance 5 месяцев назад

We're glad to know you're taking time out to study with us to become an intelligent investor. 🤝😃 Thank you for watching our analysis videos & your support.

@pulkitsapra1115 3 года назад

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.

@AbhishekSharma-lp1py Год назад

I also have the same doubt

@dionemartin5523 2 месяца назад

I think he mistakenly told 2.25 rs it should be 2.25 %

@shubhamjaiswal4953 Год назад

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

@sheetalkumar8588 3 года назад

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.

@SOICfinance 3 года назад

It's due to the nature of the lending. Bandhan does microfinance, which is riskier in nature. Don't just fall for high Nims :)

@sheetalkumar8588 3 года назад

@@SOICfinance Thanks for your valuable suggestions!

@ashokbalani2010 3 года назад

@@SOICfinance Why microfinance is riskier? Basically it is less riskier than corporate loan

@dionemartin5523 2 месяца назад

@@ashokbalani2010 I think mostly they are unsecured

@syedabitheen600 3 года назад

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.

@SOICfinance 3 года назад

We have covered NBFC sector in our banking webinar. Providing you the link- pages.razorpay.com/pl_FrsEkILQ3BYQWO/view

@shivanshchaturvedi2601 3 года назад

great👍👍

@SOICfinance 3 года назад

Hi Shivansh!😁 Thanks for watching our video. We’re glad our content was informative for you. 💯 We hope you continue to learn along with us! 😁👍 We look forward to your feedback on our analysis of Happiest Minds, coming on Friday at 11 a.m. 📌📣

@parshavgandhi6089 3 года назад

Can you please explain share capital and reserves in some detail?

@shauryajaiswal3943 Год назад

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 ?

@mangeshkamble3108 3 года назад

Good informative video. But then what model should be used to find intrinsic value if DCF method can not be used for financials?

@SOICfinance 3 года назад

We have covered valuations in our Banking sector webinar. Kindly check- pages.razorpay.com/pl_FrsEkILQ3BYQWO/view

@vaibhavaggarwal5710 3 года назад

Very good. Can you pls make a video for small finance banks?

@SOICfinance 3 года назад

Sure, you can also attend our webinar on Banking where we have covered small finance banks in detail- rzp.io/l/HXLUHDa6b0

@arpanmukherjee8172 Год назад

Can i get slides of this presentation? Link

@RahulSharma-uu4sq 3 года назад

I was searching this answer and sold hdfc at 1900 due to this as hdfc was having consistent negative free cash flow

@gvivekthiyagarajan9824 3 года назад

Sir, Can I get the link of the recorded webinar. I missed the webinar

@SOICfinance 3 года назад

Link to join the Speciality Chemicals Webinar: rzp.io/l/GNK2hQKTMV Check out our Courses: www.soic.in/course Link to watch the Banking webinar recording: rzp.io/l/HXLUHDa6b0

@sidharthsoren3232 3 года назад

Hi Ishmohit, well detailed presentation just wanted to ask. Is insurance sector covered in SOIC?

@SOICfinance 3 года назад

Thank you for watching our video! @Sidharth Soren 😁 We hope you continue to learn along with us!  We will be covering this topic soon, we appreciate your patience. Do subscribe to our channel for more educational content! Next up: Neuland Labs: A detailed business analysis on Sunday at 11 a.m. Check out our latest blog here: soic.in/blog-description/icicisecurtities

@desaichinmay22 3 года назад

Can you please provide link to your banking webinar recording?

@SOICfinance 3 года назад

Sure, kindly mail us on info@soic.in

@tanmay2896 Год назад

please make a simliar video for nbfcs

@SOICfinance Год назад

😃👍

@prathameshojha6437 Год назад

How to Calculate Interest Earning Assets for a Bank from Balance Sheet?

@jagadish2451 4 года назад

I like your teaching..I could understand little bit.. Could u plz explain in English 🙃

@SOICfinance 3 года назад

Sure, we would be add subtitles soon :) For more information & blogs, kindly visit- www.soic.in/blogs

@abhinaysingh4636 Год назад

Sir please tell about balaxi pharma

@siddharthsoni6734 3 года назад

So a detailed study of cash flows of bank is not necessary? If we study the ratios mentioned in the video?

@SOICfinance 3 года назад

Yes :)

@joshuavaz5273 3 года назад

Sir can you please explain how the market's discounting machanism works

@SOICfinance 3 года назад

Soon in a framework video

@mr.himalayan6258 3 года назад

But Kotak Also have High PB of more than 6.

@yogeshsoni5281 4 года назад

Rain industries ki report banao .. and send karo please its a humble request

@yogeshsoni5281 3 года назад

@Ashish Kumar its not an order its a humble request.. Please

@siddharthsoni6734 3 года назад

Is this also applicable to NBFCs? I believe yes.

@SOICfinance 3 года назад

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

@lakshaychhabra9972 Год назад

watching in 2023, still a goldmine. Thank you for producing such wonderful content

@SANTOSHKUMAR-wx1ow 3 года назад

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..🙏

@rohitjagdale4648 3 года назад

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.

@SOICfinance 3 года назад

Sure, soon we will be shifting to analyzing financials

@rohitjagdale4648 3 года назад

@@SOICfinance Thank You 👍

@beautifullife1470 3 года назад

Bandhan bank NIM is most higher than others banks.

@Kaizad78 5 месяцев назад

Watching it in 2024. Interesting view on PSU banks 😂😂

@SOICfinance 5 месяцев назад

Facts change :)

@Kaizad78 5 месяцев назад

@@SOICfinance Yes boss

@krutarthpujara 2 года назад

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..!!🙏