Margin Ke Maamale Mein HDFC Bank Ka Javaab Naheen

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Margin Ke Maamale Mein HDFC Bank Ka Javaab Naheen

sooraj saaukar (iteeaaiji) March 2014 lagaataar doosari timaahi hai, jab desh ke doosare sabse bade private bank HDFC bank ke baid loan mein giraavat hui hai. Isse is kvaurtar mein banking industry ki eset kvauliti mein maamooli badhotri ke sanket milte hain. HDFC bank ka graus naun parafaurming aisets (NPA) total aisets ka 0.97 feesadi hai, jo banking industry ke lihaaj se kaafi kam hai. Sambandhit kvaurtar mein HDFC bank ka net intarest margin (enaaaiem) 4.4 feesadi hai, jo baajaar ki ummeedon se kaafi behtar hai. Iski ek aham vajah shaanadaar dipaujit growth hai. Bank ki kor dipaujit growth saalaana aadhaar par 17 feesadi rahi. Yeh 14.6 feesadi ke industry growth rate se kaafi behtar hai. HDFC bank ki kredit growth 26 feesadi rahi, jo industry se jyaada hai. Kul milaakar iska kareint account aur sevings account (kaasa reshiyo) shaanadaar yaani 44.8 feesadi raha. Pichhle saal isi peeriyd mein bank ka kaasa reshiyo 47.4 feesadi tha. Flat naun-intarest income ke kaaran net intarest margin ke shaanadaar performance ka asar feeka pad gaya. March 2014 mein bank ki naun-intarest income maamooli yaani 11 feesadi ki badhotri rahi. Daraasal, is kvaurtar mein bond rate kaafi haai raha, jisse inavestameint se judi income mein 50 feesadi ki giraavat I. Kul milaakar, March 2014 mein bank ki net praufit growth saalaana aadhaar par 23 feesadi rahi. Micro-ikanaumik morche par chunauti aur laarj base ko dekhte hue is result ko pichhle saal ke mukaabale dekhna sahi naheen hoga. Pichhle saal ke isi peeriyd mein bank ki praufit growth 30 feesadi se bhi jyaada rahi thi. March 2014 ko khatm hue saal mein bank ne apne network mein aur 341 braanchon ko joda. Inmein se do-tihaai shaakhaaen un ilaakon mein kholi gain, jahaan banking system ki suvidha naheen thi. HDFC bank ke 55 feesadi branch graameen aur arddh-shahari ilaakon mein hain, jisse bank ko dipaujit growth kaayam rakhane mein madad mil sakti hai. Kareint price par bank ka stock 4 ke price-too-book vailyoo par trade kar raha hai. Behtar return aur eset kvauliti se HDFC bank ka return baaki bankon ke mukaabale behtar raha hai. Haalaanki, bank mein aur FII inavestameint par paabandi se pichhle kuchh maheenon mein bank ke performance par kharaab asar hua hai. December 2013 mein reserve bank ne HDFC bank ke stock mein fresh FII inavestameint par rok laga dhi thi. Daraasal, bank mein FII hissedaari 49 feesadi paar karne baad RBI ne yeh faisala kiya tha. Fauren inavestameint promotion board is baar mein jald faisala kar sakta hai.

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