Kotak Mahindra Bank Behtar Aiset Kvauliti Se Milegi Shaanadaar Growth

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Kotak Mahindra Bank Behtar Aiset Kvauliti Se Milegi Shaanadaar Growth

megha saraaf. . Kotak mahindra bank ne March kvaurtar mein shaanadaar performance diya hai. Iska net praufit 47 feesadi badha hai, jo pichhle paanch kvaurtar mein sabse jyaada hai. Iske pratidvandvi bankon yas bank aur indasaind bank ne bhi shaanadaar timaahi nateeje diye hain. Kotak mahindra bank ke behtar performance ki vajah industry ki ummeed se behtar loan growth hai. Aisa lagta hai ki kaipitl ekspeindichr aur nae investameint ruke hone se bank loan growth ko badhaava dene ke liye reetel banking par focus kar rahe hain. Kotak bank ki sthiti bhi doosare bankon jaisi hai. March kvaurtar mein bank ki loan book corporate aur reetel ke beech 45: 55 ke anupaat mein banta thi. Hom loan, auto loan aur parsanal loan mein growth se reetel segameint ko badhaava mila. Iske alaava bank mushkil ke daur se gujar rahe kamarshal veeikal segameint mein loan dene mein susti barat raha hai. Kotak ko baaki bankon ke liye chinta ke kaaran bane dipaujit kalekshan se koi dikkat naheen hai. Isko November 2011 mein sevings account ka intarest rate badhaane ki straitiji ka kaafi faayda mila hai. Pichhle dedh saal mein bank ka sevings dipaujit 100 feesadi badh gaya hai. Isse iske kaasa ratio mein khaasi badhotri hui hai. Iska kaasa ratio kvaurtar too kvaurtar basis par 300 basis pauints badha hai. Isse bank ko apna net intarest margin (enaaaiem) badhaane mein madad mili hai. Enaaaiem bankon ki praufitebiliti bataane vaala ek aham indiketar hai. Kotak bank 4.7 feesadi net intarest margin ke saath sabse jyaada margin vaale bankon mein se ek hai. Lekin bank management ne faainainshal iyar 2013-14 mein 4.5 feesadi enaaaiem haasil hone ka anumaan vyakt kiya hai. Kotak bank aiset kvauliti ke maamale mein bhi jyaadaatar doosare bankon se behtar sthiti mein hai. Iska baid loan kul loan ke mukaabale maamooli taur par badha hai lekin iska loan aiset ki kvauliti straung bani hui hai. Kul loan ke mukaabale iska reestrakchard loan portfolio bahut chhota hai. Isne apne kul loan ke mahaj 0.02 feesadi loan ki hi reestrakcharing ki hai jo industry mein sabse kam hai. Loan growth ke maamale mein bank industry se lagaataar behtar bana huaa hai. Lekin is faainainshal iyr mein iska growth performance ikanaumik growth mein teji par dipeind karta hai. Yah 20 se 30 feesadi ke beech rah sakta hai. Bank ke shaanadaar business performance ka asar iske sheyaron ki keemat mein bhi dikh raha hai. Isne is saal ab tak 8 feesadi ka return diya hai jabki is dauraan bainkeks ka return mahaj ek feesadi raha hai. Bank ka performance aage bhi investors ka manobal badhaata rah sakta hai.

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