Eksis Bank Ko Milega Daayavarsifaaid Loan Book Ka Faayda

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Eksis Bank Ko Milega Daayavarsifaaid Loan Book Ka Faayda

[ sooraj saaukaar | iteeaaiji ] eksis bank ke share ne pichhle ek saal mein private bankon ko andaraparafaurm kiya hai. Iski vajah infrastructure aur power sector mein iska jyaada eksapojar hai. Maikro ikanaumik maahaul niraashaajanak hone se inavestars ko laga ki in stresd sektars mein bank ka NPA badh sakta hai. Pichhle kuchh kvaurtars mein reestrakchard loan mein badhotri hui hai, lekin eksis bank reetel sector par focus ke chalte niyamit growth haasil karne mein kaamayaab raha hai. March kvaurtar mein bank ka total reestrakchard loan iske kul loan ka 2.39 feesadi tha, jo private bankon mein bahut jyaada hai. Haalaanki bank stresd sector mein apna eksapojar pichhle kuchh saalon se lagaataar ghataata aa raha hai. Financial iyar 2014 ke ant mein bank ke loan portfolio mein 16 feesadi infrastructure aur power sector loan tha jo financial iyar 2011 mein 21 feesadi ke haai leval par tha. Ikanaumik rikvari hone par stresd loan ki rikvari ho sakegi. Aisa hone par bank ke sheyaron ki reereting hogi. Bank ka return on eset baaki private bankon jaisa hai lekin iske share mein unke mukaabale achhe khaase diskaaunt par trade ho raha hai. Misaal ke liye pichhle 12 maheene mein 6218 karod rupaye ka praufit kamaane vaala bank ka market kaipitlaaijeshan 72,000 karod rupaye hai. Doosari taraf, pichhle 12 maheene mein sirf 2466 karod rupaye praufit kamaane vaale kotak mahindra bank ka market kaipitlaaijeshan 62,000 karod rupaye hai. Pichhle kuchh kvaurtars mein eksis ne corporate loan ke mukaabale apna reetel loan portfolio jyaada badhaaya hai. March mein khatm financial iyar ke dauraan bank ka reetel loan growth 31 feesadi raha. Iske mukaabale bank ne majholi aur badi companiyon ko pichhle financial iyar ke mukaabale sirf 4 feesadi jyaada loan diya. Jahaan tak dipaujit ki baat hai to rooral area par focus se bank ke kaasa reshiyo mein khaasa sudhaar aaya hai. Kaasa bankon ke liye fund ka sasta srot hota hai. Eksis bank ka kaasa uske kul dipaujit ke 45 feesadi ke baraabar hai jo doosare private bankon ke mukaabale bahut jyaada hai. Bank ne financial iyar 2014 mein apne branch ki sankhya badhaakar 2400 kar li hai jo financial iyar 2011 mein 1390 thi. Bank ne 46 feesadi nae branch graameen ilaakon mein khole hain. Graameen ilaakon mein bank ke branch ki sankhya 24 feesadi ho gayi hai jo financial iyar 2011 mein 8 feesadi thi. Bank ke liye doosari raahat waali baat iska kaipitl edekvesi reshiyo hai jo abhi 16 feesadi hai. Yeh bank ke liye agale kuchh saal heldi growth rate banaae rakhane ke liye paryaapt hai. Behtar return on eset aur daayavarsifaaid loan book ke chalte ikanaumik rivaaival par daanv lagaane vaalon ke liye eksis bank achha share ho sakat a hai.

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