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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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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Пікірлер: 104

@user-oh4sf7ft9d 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

Humbled 🙏 Thank you for watching

@sanoojs4508 3 ай бұрын

Thanks from Germany 🇩🇪

@shaviccrazy 3 жыл бұрын

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 жыл бұрын

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

@pbshruti 3 жыл бұрын

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 жыл бұрын

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 жыл бұрын

Thanks Shruti :)

@healyou4243 2 жыл бұрын

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

@msingh683 3 жыл бұрын

Masterpiece, You are a great teacher. God bless you

@SOICfinance 3 жыл бұрын

Thanks

@Kaizad78 6 ай бұрын

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

@SOICfinance 6 ай бұрын

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.

@jeevanraajan3238 3 ай бұрын

Really wonderful.. Mind blowing sir. Thanks

@abhishek_raj 2 жыл бұрын

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

@priyaanshu0607 4 жыл бұрын

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 жыл бұрын

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 👍👍

@arunbhatt8706 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@depanjannath 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@ABCofsharemarket-sh6fq Жыл бұрын

very knowldgable video bhai

@DeepakKumar-db9is 3 жыл бұрын

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 Ай бұрын

Thank you so much for this knowledgeable video ❤

@SOICfinance Ай бұрын

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

@ashugoel3898 3 жыл бұрын

Good in-depth analysis of Banks

@rohandc96 7 ай бұрын

Very helpful ... thanks for all your efforts

@SOICfinance 7 ай бұрын

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. 🤝

@sheetalkumar8588 4 жыл бұрын

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 4 жыл бұрын

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 4 жыл бұрын

@@SOICfinance Thanks for your valuable suggestions!

@ashokbalani2010 3 жыл бұрын

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

@dionemartin5523 3 ай бұрын

@@ashokbalani2010 I think mostly they are unsecured

@jaycmodi 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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 KZfaq Session on Sunday at 11 a.m!📌 ✅ Keep yourself updated by checking our KZfaq 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 🆕

@ajitkumarjain6585 3 жыл бұрын

Excellent explanation about banking!

@helorohan 2 жыл бұрын

Valueable content …thanks sir

@SOICfinance 2 жыл бұрын

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

@pulkitsapra1115 3 жыл бұрын

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 Жыл бұрын

I also have the same doubt

@dionemartin5523 3 ай бұрын

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

@syedabitheen600 3 жыл бұрын

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 жыл бұрын

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

@chetan4722 4 жыл бұрын

Very nice and detailed information..

@SOICfinance 4 жыл бұрын

Thanks :)

@sanketmarutiraosonawane9519 4 жыл бұрын

Really informative video...thanks for posting.

@SOICfinance 3 жыл бұрын

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

@tanmay2896 Жыл бұрын

please make a simliar video for nbfcs

@SOICfinance Жыл бұрын

😃👍

@pratikchoudhury5849 3 жыл бұрын

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

@shauryajaiswal3943 2 жыл бұрын

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 ?

@rsk6688 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@shanu5406 2 жыл бұрын

Wah maza aaya... 🙏👍👏

@RATHODJASRAJ 4 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@shubhamjaiswal4953 Жыл бұрын

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

@reshmaraghatwan2173 2 жыл бұрын

Thank u very much bro

@vaibhavaggarwal5710 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@prathameshojha6437 2 жыл бұрын

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

@sidharthsoren3232 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@amardeep5797 6 ай бұрын

Excellent video

@SOICfinance 6 ай бұрын

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.

@Darsshnn 2 жыл бұрын

Thank you so much 🥰🥳

@gvivekthiyagarajan9824 4 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@jagadish2451 4 жыл бұрын

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

@SOICfinance 3 жыл бұрын

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

@surajpowar3701 3 жыл бұрын

V.Good and detailed information

@SOICfinance 3 жыл бұрын

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

@RajuRoy-uo4cj 3 жыл бұрын

Thank you sir🙏

@abhinaysingh4636 Жыл бұрын

Sir please tell about balaxi pharma

@darwin_ate_my_dcf Жыл бұрын

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

@joshuavaz5273 4 жыл бұрын

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

@SOICfinance 4 жыл бұрын

Soon in a framework video

@samirmansuri5019 3 жыл бұрын

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.

@mangeshkamble3108 3 жыл бұрын

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 жыл бұрын

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

@siddharthsoni6734 3 жыл бұрын

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

@SOICfinance 3 жыл бұрын

Yes :)

@mr.himalayan6258 3 жыл бұрын

But Kotak Also have High PB of more than 6.

@parshavgandhi6089 3 жыл бұрын

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

@arpanmukherjee8172 Жыл бұрын

Can i get slides of this presentation? Link

@yogeshsoni5281 4 жыл бұрын

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

@yogeshsoni5281 3 жыл бұрын

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

@siddharthsoni6734 3 жыл бұрын

Is this also applicable to NBFCs? I believe yes.

@SOICfinance 3 жыл бұрын

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

@SANTOSHKUMAR-wx1ow 3 жыл бұрын

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 жыл бұрын

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 жыл бұрын

Sure, soon we will be shifting to analyzing financials

@rohitjagdale4648 3 жыл бұрын

@@SOICfinance Thank You 👍

@RahulSharma-uu4sq 3 жыл бұрын

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

@desaichinmay22 3 жыл бұрын

Can you please provide link to your banking webinar recording?

@SOICfinance 3 жыл бұрын

Sure, kindly mail us on info@soic.in

@shivanshchaturvedi2601 3 жыл бұрын

great👍👍

@SOICfinance 3 жыл бұрын

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. 📌📣

@Kaizad78 6 ай бұрын

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

@SOICfinance 6 ай бұрын

Facts change :)

@Kaizad78 6 ай бұрын

@@SOICfinance Yes boss

@beautifullife1470 3 жыл бұрын

Bandhan bank NIM is most higher than others banks.

@krutarthpujara 2 жыл бұрын

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..!!🙏