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idfcbank - value pick ( next yes bank?)There is no doubt that financial Services and NBFC’s have been the leader of this Bull Market. IDFC is one of the newest bank and has recently completed its 1st Full year of Banking operations has done pretty well. Let’s understand the larger trend that has emerged in the Private Banking space. There have been different strategy era’s in the private banking space in the last 15 years which has resulted into wealth creation for Investors. 2003-2009 was about branch expansion and cross selling on services like credit card and auto loans which made the Emergence of HDFC Bank and ICICI Bank. 2009-2016 was about Kotak Bank, IndusInd Bank and Yes bank, where they emerged as the Fastest growing banks due to their focus on Niche Services and Digtal Foray. 2016 – 2020 the trend is clear i.e. its Digital Plus Rural. Till now banks have concentrated on 20% of population who has 60% of the countries net worth, however going forward the focus will be on the 80% population which doesn’t have access to credit facilities. With Digitalization, financial inclusion has become a possibility and the leaders in this pack could be IDFC Bank and RBL Bank. 10 Important Factors you need to know about IDFC Bank. Factor #1 – About The Management Management – We look at the Banker rather than bank only. Dr Rajiv lal is a veteran economist for last 30 years and has worked in various RBI Committees along with ex Governor Raghuram Raju, he has been a partner of popular private equity firm Warburg Pincus, head economist at Morgan Stanley clearly suggesting that he is a seasoned player who understands the game really well. Factor #2 About the Bank – IDFC became a bank from an NBFC in October 2015, It offers wide variety of corporate and retail banking products and services to ~1.38 million customers. The Bank enjoys a presence of 74 Core Branches ; 47 ATM’s ; 8,600 points of presence covering 20 states, 150 districts, 19 major cities and almost 33,000 villages. The bank is Divided into 3 Parts 1) Bharat Banking – (Rural Side of the Bank) –This is the Microfinance unit of the company which started after it acquired Grama Vidiyal Micro Finance and has a unique outreach model to cater to local consumers. It has its branches built in difficult geographies and it has a unique outreach servicing model focused on financial inclusion. IDFC has acquired 12 Lakh customers in a small timeframe of 1 year. 2) Bharat Plus – (Digital urban focused side of the Bank) It primarily caters to the needs of mass affluent (Salaried class) & affluent segment (self employed) business banking segment. The Bank has acquired 1.4 Lakh Customers since inception, out of which 20,000 are digitally acquired. 3) Wholesale – This is the legacy exposure of Infrastructure loans the Company had before it became a bank. The Percentage of Infrastructure loans have come down from 75% to 51% in FY2017 after 1.5 years of commencement of bank. Factor #3 -Branch Light and Asset Light Business Model. – IDFC bank is the bank of the future is focusing more on technology and partnership and rely less on branches. Currently it has 74 Branches under its network likely to go up to 200 Branches by 2020 and corporate Business Correspondents will go up from 350 currently to 1000 by 2020. Further aggressive use of micro ATM’s to 100,000 touch points from 8600 Currently & is expected to make en-roads in making banking simple and accessible, anytime and from anywhere along with Bank focus on serving the rural underserved communities & self employed. The average break-even of new branches is 4-6 months, the lowest in the industry.
ILong
by kacharts
5
Investment_ Yes BankNamaste! Yes Bank has been a favourite stock for retail public. Due to it's penny price, it attracts a lot of retail attention. I think it is a good time to invest in Yes Bank because of following reasons. 1. According to me, any retail person will think of Yes Bank and Idea, if he has given a choice to buy some large-cap stocks. Generally, businesses like telecom, aviation, manufacturing, automobile, etc hasn't been a good wealth creators , just look at the history. Whereas, pharma, banks and financial institutions, services (IT) and technology, etc has been very good wealth creators. So Idea being a telecom company, it is to be avoided for now. So we have only one choice left, that is Yes Bank. 2. Yes Bank suffered a huge huge downfall in the stock prices, when a fraud of around Rs 5000 crores has been reported. The promoters provided loans to the businesses, which had weak fundamentals and without determining repayment risks. 3. RBI doesn't want people to doubt on banking system , so it ordered (SBIN and LICI on behalf of the government) and others (HDFC, ICICI) etc to save the Yes Bank. Now SBIN is the largest shareholder with 30% holding in Yes Bank. 4. Banks has been a good wealth creators, thanks to booming economy and financial system of India. So, I thoroughly think that Yes Bank stock prices will rebound. 5. The worst case scenario would be, Yes Bank to be acquired by some other private bank. I don't think it will be acquired by SBIN or any other govt owned companies, because the government is already selling its stakes in public sector undertakings. Just look at the worst case scenario at Satyam Computers. It had been acquired by Mahindra, at a penny price after reporting "window-dressing" of financial statements. Now, it's shareholders would have got Tech Mahindra shares and it is among the good wealth creators. Conclusion: Investment at current prices is fine. Yes Bank might be a good pick for a portfolio, along with other strong companies to maximize overall returns. Some ventures capitals generally invest in around 10 risky start-ups, 8 of them fail but 2 of them multiply the capital 20 fold, they still make good money in the end. Yes Bank has a very high reward potential due to it's current price. Making money via investing requires patience, strong self discipline, risk appetite, etc, so invest wisely. Disclaimer: The analysis I have shared is based on my understanding and experience in the markets. Investment does not guarantee a fixed return due to volatile nature of markets and may result in a loss. Please do your analysis and/or consult your financial advisor before investing.
NSE:YESBANKLong
by UnknownUnicorn7637383
4
U would hv exited Yes Bank at 81 in profit if u had followed me!Yes Friends, you would not have been stuck with Yes Bank today had you followed me. Not just that you would have made 110% absolute returns from it in less than 2 months. Compounded returns would turn out to be far higher. On January 20, 2020, when Yes Bank was trading around 38.65 levels, I had recommended to buy Yes Bank with a specific Target Price of 81-> Link attached for reference. Yes Bank achieved the given target on March 18, 2020. Thereafter the free fall in Yes Bank to around 13 levels today & it's sheer underperformance in comparison to it's peers -> both public & private sector banks is there for all to see. This in no way implies that things may not turnaround for Yes Bank in future. They well could but it's the opportunity loss of investing the same amount in other quality stocks with far more certainty is what many investors miss out by living in the world of hope. So why take a chance? For more such interesting views, do hit the like button & follow my user id. Thank you.
NSE:NIFTY
by Bajrangi-Bhaijaan
2
U would hv exited Yes Bank at 81 in profit if u had followed me!Yes Friends, you would not have been stuck with Yes Bank today had you followed me. Not just that you would have made 110% absolute returns from it in less than 2 months. Compounded returns would turn out to be far higher. On January 20, 2020, when Yes Bank was trading around 38.65 levels, I had recommended to buy Yes Bank with a specific Target Price of 81-> Link attached for reference. Yes Bank achieved the given target on March 18, 2020. Thereafter the free fall in Yes Bank to around 13 levels today & it's sheer underperformance in comparison to it's peers -> both public & private sector banks is there for all to see. This in no way implies that things may not turnaround for Yes Bank in future. They well could but it's the opportunity loss of investing the same amount in other quality stocks with far more certainty is what many investors miss out by living in the world of hope. So why take a chance? For more such interesting views, do hit the like button & follow my user id. Thank you.
NSE:YESBANK
by Bajrangi-Bhaijaan
7
IS THIS THE RIGHT TIME FOR YES BANK!!! CAN WE BUY NOW!!! 27 MAR 20 ONWARDS Dear all as per your queries I am updating my view As mentioned in my previous view on Yes Bank on 22 Mar 20 the support zone 1 – 36.55-38.90 was easily violated and as we can see that the stock is heading south were the support zone 2- 18.05-22.60 is, if Yes Bank holds one can accumulate And keep pyramiding towards 61.90-67.45-79.60 Views are for ‘’EDUCATIONAL PURPOSE ONLY’’ trade at your own risk. "Always Respect Risk" Happy Trading Jai Hind Dhiraj Singh Bais FOLLOWUP VIEW
NSE:YESBANK
by DhirajSinghBais
1