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

[@김봉채-m2o]

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

[@SOICfinance]

Humbled 🙏 Thank you for watching

[@sanoojs4508]

Thanks from Germany 🇩🇪

[@pbshruti]

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]

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]

Thanks Shruti :)

[@healyou4243]

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

[@shaviccrazy]

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]

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

[@pulkitsapra1115]

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]

I also have the same doubt

[@dionemartin5523]

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

[@msingh683]

Masterpiece, You are a great teacher. God bless you

[@SOICfinance]

Thanks

[@sheetalkumar8588]

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]

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]

@@SOICfinance Thanks for your valuable suggestions!

[@ashokbalani2010]

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

[@dionemartin5523]

@@ashokbalani2010 I think mostly they are unsecured

[@shubhamjaiswal4953]

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

[@Kaizad78]

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

[@SOICfinance]

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.

[@arunbhatt8706]

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

[@SOICfinance]

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

[@abhishek_raj]

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

[@depanjannath]

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

[@SOICfinance]

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]

Good in-depth analysis of Banks

[@priyaanshu0607]

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]

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 👍👍

[@helorohan]

Valueable content …thanks sir

[@SOICfinance]

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

[@ajitkumarjain6585]

Excellent explanation about banking!

[@DeepakKumar-db9is]

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?

[@pratikchoudhury5849]

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

[@jaycmodi]

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

[@SOICfinance]

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

[@jeevanraajan3238]

Really wonderful.. Mind blowing sir. Thanks

[@rohandc96]

Very helpful ... thanks for all your efforts

[@SOICfinance]

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. 🤝

[@chetan4722]

Very nice and detailed information..

[@SOICfinance]

Thanks :)

[@sanketmarutiraosonawane9519]

Really informative video...thanks for posting.

[@SOICfinance]

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

[@gvivekthiyagarajan9824]

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

[@SOICfinance]

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

[@syedabitheen600]

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]

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

[@mahendrasau9330]

Thank you so much for this knowledgeable video ❤

[@SOICfinance]

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

[@rsk6688]

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

[@SOICfinance]

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

[@ABCofsharemarket-sh6fq]

very knowldgable video bhai

[@Darsshnn]

Thank you so much 🥰🥳

[@shauryajaiswal3943]

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 ?

[@shanu5406]

Wah maza aaya... 🙏👍👏

[@RATHODJASRAJ]

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

[@SOICfinance]

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

[@arpanmukherjee8172]

Can i get slides of this presentation? Link

[@vaibhavaggarwal5710]

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

[@SOICfinance]

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

[@desaichinmay22]

Can you please provide link to your banking webinar recording?

[@SOICfinance]

Sure, kindly mail us on [e-mail]

[@siddharthsoni6734]

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

[@SOICfinance]

Yes :)

[@tanmay2896]

please make a simliar video for nbfcs

[@SOICfinance]

😃👍

[@joshuavaz5273]

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

[@SOICfinance]

Soon in a framework video

[@amardeep5797]

Excellent video

[@SOICfinance]

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.

[@sidharthsoren3232]

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

[@SOICfinance]

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

[@RajuRoy-uo4cj]

Thank you sir🙏

[@surajpowar3701]

V.Good and detailed information

[@SOICfinance]

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

[@prathameshojha6437]

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

[@jagadish2451]

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

[@SOICfinance]

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

[@mangeshkamble3108]

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

[@SOICfinance]

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

[@parshavgandhi6089]

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

[@mr.himalayan6258]

But Kotak Also have High PB of more than 6.

[@abhinaysingh4636]

Sir please tell about balaxi pharma

[@siddharthsoni6734]

Is this also applicable to NBFCs? I believe yes.

[@SOICfinance]

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

[@samirmansuri5019]

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.

[@RahulSharma-uu4sq]

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

[@sanjubhagat8005]

what do you think about bank of india ?

[@yogeshsoni5281]

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

[@yogeshsoni5281]

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

[@darwin_ate_my_dcf]

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

[@shivanshchaturvedi2601]

great👍👍

[@SOICfinance]

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. 📌📣

[@SANTOSHKUMAR-wx1ow]

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]

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]

Sure, soon we will be shifting to analyzing financials

[@rohitjagdale4648]

@@SOICfinance Thank You 👍

[@beautifullife1470]

Bandhan bank NIM is most higher than others banks.

[@Kaizad78]

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

[@SOICfinance]

Facts change :)

[@Kaizad78]

@@SOICfinance Yes boss

[@krutarthpujara]

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..!!🙏

[@ripshivraj]

no one is expert in market you just have to keep tracking and invest when the things change, for example PSU Bank index has given 500% return since this video 🤣