Loan Kvauliti Mein Sudhaar Se Patari Par Lautega Bank Of Baroda

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Loan Kvauliti Mein Sudhaar Se Patari Par Lautega Bank Of Baroda

megha saraaf. . Bank of Baroda (Bob) ka March 2013 kvaurtar ka praufit baajaar ki ummeed se thoda kam raha. Iski vajah videshi loan akaaunts mein jyaada slipej, vetan badhotri ke chalte jyaada provijn aur domestik loan book ke kam margin ke chalte flat net intarest inakam rahi. Aane vaale samay mein videshi loan books mein slipej ghatne aur rikvari ke straung upaayon se domestik market mein bijnas naurmal hone par bank ko faayda hoga. Bank ka kredit pichhle saal ke mukaabale 14 feesadi raha hai. Iski badi vajah domestik market mein sust loan growth hai. Haalaanki, bank ko videsh mein achhi loan growth ka faayda huaa hai. Management ka focus loan ki kvauliti par hoga, lekin bijnas growth par bhi dhyaan diya jaaega. Bank ki kor inakam kamjor bani hui hai, lekin adar inakam ki growth straung rahi hai. Iski vajah jyaada trading geins aur right of kiye gaye akaaunts ki rikvari hai. Isse bank ke kamjor feej inakam ka preshar kuchh had tak kam huaa. Domestik market ke margin mein giraavat ki vajah se iska margin 0.45 feesadi ghata hai. Iski badi vajah dipaujit ki haayar kaust aur loan par yeeld mein giraavat rahi hai. March kvaurtar mein bank ka staaf eksapeins pichhle kvaurtar ke mukaabale 42 feesadi jyaada raha. Iski vajah vetan badhotri ke liye kiya gaya provijn hai. Bank management ne sanket diya hai ki is faainainshal iyar mein bhi peinshan kaust ke liye jyaada provijning ki jaaegi. Jahaan tak bank ke loan kvauliti ki baat hai, to is maamale mein overseas bijnas ki haalat kharaab hai. Vahaan bank ko jyaada baid loan ka saamana karna pada. Domestik market mein yah stebal bana huaa hai. Jyaada rikvari aur apagredeshan se bank ko kul loan aur graus naun parafaurming loan ka reshiyo puraane leval par banaae rakhane mein aasaani hui. Bank ne right of kiye gaye esets mein 482 karod rupae ki rikvari ki hai. Haalaanki, isse net praufit mein khaas badhotri naheen hui, jo haayar provijn kaust se lagbhag 30 feesadi ghata hai. Inavestameint book par deprisiyeshan aur staaf kaust ke chalte bank ko jyaada provijning karni padi. Bank of Baroda ko loan kvauliti behtar karni hogi. Isse vah fir se growth ki raah par laut sakta hai. Bank of Baroda ke share mein is saal ab tak 17.5 feesadi ki giraavat I hai. Is dauraan bainkeks 2.8 feesadi chadha hai. Bank ke share shukravaar ko BSE par 1.48 feesadi yaani 10.80 rupae ki badhat ke saath 738.75 rupae par band hue. Is hisaab se ismein lagbhag 1 ke price too book vailyoo par trade ho raha hai.

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