Kam Funding Kaust Se Milegi Madad

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Kam Funding Kaust Se Milegi Madad

megha saraaf India ke sabse bade private sector bank ICICI bank ka March quarter ka result ummeed ke mutaabik raha hai. Lekin share rijlts aane ke baad 2.79 feesadi gir gaye. Share ka bhaav ghatne ki vajah shaayad yah ho sakti hai ki iska ristrakchard loan book badh gaya hai aur naun intarest inakam ki growth flat rahi hai. Kul milaakar bank ke net praufit mein achhi khaasi badhotri hui hai. Ismein loan growth, margin mein badhotri aur stebal aiset kvauliti ka bada haath raha hai. Bank ke growth ko badhaava dene vaala bada factor ummeed se behtar net intarest inakam hai. Iski vajah domestik loan growth aur ovaraol margin mein quarter too quarter aadhaar par 29 basis point ki badhotri hai. Saalaana aadhaar par bank ka margin pehli baar 3 feesadi se oopar chala gaya hai. Bank management ko lagta hai ki is faainainshal iyar mein margin mein 12 basis pauints ki badhotri ho sakti hai. Ismein kam funding kaust aur intaranaishanal loan book mein jyaada margin se madad mil sakti hai. Bank ka loan aur dipaujit growth rate industry aur eksis bank ke mukaabale jyaada raha hai. Lekin yah HDFC bank ke mukaabale kam hai, jiska growth rate 20 feesadi se jyaada hai. Aisa isliye ki HDFC bank ki reetel book doosare bankon se badi hai. ICICI bank ke reetel loan mein badhotri domestik loan growth ki vajah se hui hai. Ismein bada haath housing aur auto segameint ka raha hai. Doosare bankon ke mukaabale ICICI bank ka praujekt rileted investameint kam raha hai. Aise mein bank dvaara lokal companiyon ko khaastaur par unke varking kaipitl ki jaroorat poori karne aur maujooda loan ki reefaainainsing ke vaaste loan diya gaya hai. Iske alaava bank ki naun intarest inakam pichhle leval par rahi hai. Yah HDFC bank aur eksis bank jaise private bankon mein sabse kam rahi hai. Kam corporate leinding fees ke chalte fees inakam mein maamooli badhotri aur ikviti portfolio par mark too market loss ke trading inakam mein tej giraavat aane se iski growth kam rahi hai.

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