Private Banks vs. PSU Banks: Who Wins? 🏆
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- čas přidán 25. 06. 2024
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Banks and NBFCs contribute a major portion in the headlines indexes. However, in the past 5 years we have witnessed a major underperformance from the banks in private space vs the banks in PSU space.
In this video we will analyse the reasons for this underperformance and will try to crystal gaze into the future where there may be a scenario for the private banks to outperform the PSU banks.
Hope you like this detailed and analytical video and presentation on Private Banks vs PSU Banks.
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Sir,, Don't worry about using technical terms, it's what differentiate your channel from others who dumb down their content and give superficial news like information rather than deep analysis
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Key learning is the outperformance of psu banks is a cyclical event due to cleanup of balance sheet whereas private banks are consistent and long terms compounders which are maintaining credit costs and quality
Keep using technical terms bro.. I thing pro investor and finance literate ppl come to your channel
Crt . people can search online and learn
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@@SOICfinance
Yup now everyone knows the basics. Need to teach more complex terms
point 😂
Your vedios are all very good and very informative/insightful. For me this one is the best for me. Compiling historical data , connecting dots and creating a very logical big picture was simply awesome. Many thanks🎉
We are thrilled to hear that you are finding our content informative and enjoyable. It truly means a lot to us to know that our efforts are making a positive impact on our viewers. We are committed to providing valuable content and strive to continue creating the best possible experience for our audience.✌🏻😃
Ishmohit, loved the video but I think you could have also brought in the angle of roe vs roa leading to the leverage factor, this one factor really outshines to show the difference between pvt. and psu banks. The psu banks are very susceptible to an economic downturn because of the high leverage would love to hear your view about the same.
So true, leverage cuts both ways.
Great informative and valuable video keep going SOIC💯👍🏻
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Thanks for sharing first principle thinking in stock market since 2020!!
Hello Sir,I Love the Way You Put Charlie Munger & Warren Buffett Behind You on the Shelves.
Really Appreciate for such a valuable Insight.
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Really amazing analysis,,,,,grt teacher👋thanks
Thanks for sharing the analysis 🙏
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Fantastic analysis Ishmohit. Truly phenomenal indeed👏🏼👌🏼
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recently visited a private sector bank for a savings account, now I understand why they were insisting on a 1.5L fixed deposit.
Amazing video Sir!
gained so much clarity about the banking industry for the first time
your videos are really helping me in gaining real life knowledge during my CFA preperation, thank you so much!
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Your channel is underrated keep doing man excellent work. Subscribed today.
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Crisp and Accurate analysis !! Kudos 🔥
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one of the best videos watched recently
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Clarity? Hell yes!!
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Video of the year🏆
Excellently explained
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Finally I got a great teacher..thank you..
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Amazing analysis!
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Thanks Soic
Hey Ishmohit and Team SOIC. Good work once again with the comparative analysis.
@ minute 08:55, you have compared the absolute PPoP growth between PSU and Private Banks from Q3FY2021 to Q4FY2024. You mentioned there is a substantial difference between them. But I don't see the difference 🤔.
Am I missing something?
This CDR rule by RBI can back fire also in long term, leading the banks to take more riskier and high yielding loans as they can only use 80% of the deposit ratio
I took soic one year membership,ya hoo🎉 nice content.13500 rupees totally worth it.i wish this content was there when i started in 2019( took some loss beacuse of not having convection).better late that ever started learning fundamental and technicals from this membership.
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loved the analysis, understood how banking sector works. However couldn't find the excel that was referred, in the links shared
We're glad to know you're enjoying learning from our content. Please refer to the link for presentation:
soic.learnyst.site/pvtvspsubanks
Nice video. Bank of maharashtra is amazing. Beaten most private and all psu banks.
Yes got the difference thank you
CDR बहुत अच्छे से समझ मे आ गया SIR JI
Please continue with your work, we need to upgrade ourselves as we stay more time in the market. Thank you for the video.
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Diamond power infrastructure anaylsis
You are one of the best knowledgeable of business analysis bro. I respect you very much.
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U r just awesome. Gr8 knowledge sharing.
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Great video! What is the source of data?
Very useful video in detail
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Eveyone is saying that private banks return will outperform but psu can outperform as the float is limited
Very good analysis
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Yes sir super clarity i had ever experienced
Apko bada salam mere tarap se
We are thrilled to receive such a kind acknowledgement from you and grateful for the opportunity to have been able to provide you with clarity.Happy learning! 🙏😃
Thanks a ton, u r very informative...Really love all your videos.....U r the best.....Wish u could show your stock preferences also when concluding the video (of course with disclaimer). . .....Sir, my major holding is in TRENT...... At today's price of Rs.5,364, different sites are showing different PE of Trent varying between 128 to 211. .After going through its Balance Sheet I understood that with exceptional gains its EPS is 41.82 and without it is 29.48. ....So at today's price of 5,364, PE of 128 (w/exceptional gains) and 182 without......So 128x & 182x r justified. ...But to my surprise SCREENER is showing PE of 211...... How is that possible ?...... Please advise which site to rely on ?....... and based on which calculations SCREENER is showing PE of 211 despite the fact that it is showing correct EPS of 41.82.... You have mastered the subject hope you help and explain.
In screener, if you click the '+' symbol next to the net profit, it shows the amount against Exceptional Items. Does that match with the number you saw in the B/s?
Profit for PE is also shown there.
Thanks
Thank u so much Ismohit sir PPT ke dwara samjhane ke liye
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I don't want tips i want learn.. i am learning lot from u..
So Ishmohit sir u r my great teacher..
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Kaafi detailed aur informative video tha bhai
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Timely
Thanks a lot SOIC for wonderful and crisp analysis. Your efforts are commendable.
Can you pls share the google sheet also, as mentioned in the video.
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@@SOICfinance Thanks for your revert. I had already downloaded that pdf. I was just wondering if there is some excel sheet which was mentioned.
SOIC is class apart, thanks for the video.
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best analysis available
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Good analysis
We're glad to know you're enjoying learning from our content. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤝
Hello, kindly make a full explanation of the "IDFC FIRST BANK" valuation and merger with *IDFC LTD*.
Good video
I was looking for the link to the spread sheet with fundamental ratios like credit/deposit which are not available on screener
CCL PLEASE DO LATEST ANALYSIS
How will rate cuts affect Poonawalla Fincorp?
Complicated ..but thanku so much for trying ...I m nt from a finance background ...but I understood a little. ..will hav to watch multiple times to understand more 😊😊
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Ur content is amazing
We're glad to know you find value in our content. We hope to continue adding value to your investing journey. 🤝😃
@@SOICfinance bro go to sleep good night
@@SOICfinance good night
Are u CA or finance master
Because your understanding and clarity of the topic is just amazing 🎉
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Thanks for great video.
One question: why isn't RoA compared alongside RoE between PSBs and pvt banks?
Isn't that equally important?
To compare them, PSU banks ROE's would need to be shown in reference to their leverage.
Simply awesome...will watch atleast 5 times.
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TOP STUFF
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Is it advisable to invest in Banking Sector Thematic Mutual Fund lumpsum ?
BHAI PPOP KI growth dobara calculate karna,
SBI+BoB+Union Bank vs HDFC+Axis+ICICI
Superb video
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Sir i am following you last two years. Your analysis is mind blowing that i ever seen such a super CZcamsr. Can you please analyse SULA VINEYARDS business madel please 🙏🙏🙏
We're thrilled to hear that our content has been impactful and informative for you over the past two years! We're grateful for your kind words and enthusiastic support. Thank you for your suggestion. 😃 We hope this video was informative and is relevant to your investing journey. We hope you continue learning with us. 🤝
Credit cost or gir nhi sakti or private banks already undervalued hai, that means Private banks will give a quite good rally from here.
I have a doubt. If intrest rate comes down then NIMs will contract but why would credit cost increease because people will more likely refinace and pay back their loans at lower interest cost. Thank you for such a informative video
Ishmohit was referring to a concept called 'Reversion to the Mean'. Since the current credit costs are lower than the median and the lowest ever, the probability of them inching up to the median is higher. Since, the market is forward looking, any reversal in the movement of credit costs will force the market to re-value the company in line with the median or higher.
Very good analysis. Could these learning be done exclusively in 2 separate languages - English and Hindi. Understand your need of broader reach but 2 separate videos would be beneficial.
I would want to subscribe to your courses but are the videos in Hindi only ?
For any information regarding our courses and membership, please email us at info@soic.in We’ll get back to you at the earliest in 24-72 hours.
How to invest in ur AIF
hey whats your view on rbl
Credit cost incee up bank kya hoto hai
ujjivan small finance Bank guided only 20% AUM growth instead of 25% for FY25. Why may this happen sarji.
Tq
Hi Sir,
I want an information regarding that can u provide the materials about fundamentals of stock market. As u are providing the courses with different cost of 30k and 15 k. What is the difference in these two different courses? Is there any stock recommendations regarding quarterly or monthly or weekly. Please provide the needful information regarding this and it would be helpful with reply back sir.
Thank you,
With regards.
idk how people are fan of bollywood celebs and not SOIC
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Interest rates cut bhi hue toh loans issues jyada ho jayenge wo compensate kar dega NIMs ko shayad - HDFC bank dip buyer
Lekin fir CDR ka kya?
@@z2zugzwang hdfc strong hai, risk management accha hai - hdfc dip buyer
'HDFC bank dip buyer' se koi Jeet sakta hai kya🤣🤣🤣
Sir aap ka leval thoda higher hai thoda low kar do to samaj me aye
there is no google sheet in the description
+1
Yes...where is Google sheet?
It's in my computer@@ranveervibhute1562
Kindly refer to the link given below:
soic.learnyst.site/pvtvspsubanks
where is the google sheet?
Hi. Thank you for reaching out to us.
Please refer to the link:
soic.learnyst.site/pvtvspsubanks
Awesome kiddo
We're pleased that you're enjoying learning with us. 😃 Thank you for watching our videos. We hope to continue adding value to your investing journey. 🤝
🛑🛑🛑Kindly Share the excel sheet
Kindly refer to the link given below:
soic.learnyst.site/pvtvspsubanks
I watch your channel only because of technical terms used by you.
Thank you for watching our videos. We hope to continue adding value to your investing journey. 😃
Bhai ap idhar bank multibaggers dhundh rahe hain, udhar World cup me aap ke upar ball tampering allegations lagaye ja rahe hain 😀😀
Hahahaha 😂 good one
Utkarsh finance Bank me 60 rs ke rate me fasa hua hu 5000 share
Hold or sell
Please 🙏
Aur lo Penny 🤣🤣😂😂
Sell it
Promoters have sold 100% of stakes and public has more than 60%
There is something suspicious about the company
Wait Karo Bhai mere pass bhi Hain next 2-3months ke baad stocks bhagega pehle budget khatam ho jane do
Promoter sold bcoz of RBI rule. Padh lo Jake... Although I agree public holding is very high and will dampen the stock price. @@AdityaSingh-ds5si
ujjivan small finance Bank guided only 20% AUM growth instead of 25% for FY25. So falling continuously.
Psu will do better as compare to private bank
Can u tell why?
PSU 80% girega 😂😂🎉🎉
Loan waivers have started, good luck holding PSU banks
@@majidhussain7174 you can watch chart
No chance psu is just a temporary performance history shows private always beating psu
Jai hind
Keep making more intense content 👌
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Show ur return for last financial year
🤫🤫🤫🤫
Always private banks. One step ahead of time 🕰️