Bandhan Bank aur Yes bank me kya change hua? Kya Karein Investors?

Bandhan Bank aur Yes bank me kya change hua? Kya Karein Investors?


India ke banking sector me jo insecurity aur volatility hai uska andazaa aap daily trade charts me dekh sakte hain. Abhi recently RBI ke stress test me ye saamne aaya ke India ke 5 banks ki halaat bahut hi kharab hai aur logon ne ispe kaafi videos bhi banaye hain. Mere is video ka target aapko darana nahi hai, magar aapko sachhai se rubaru karna hai. Kyun ki agar aap sachhai ko jaanenge to hi ek sahi aur informed decsion le payenge. To ab samajhte hain ki bandhan bank aur yes bank ke peeche aaj hum kyun time de rahe hain. Ek baat ye samajh lijiye ke Pandemic ke chalte, lockdown ke wajah se, poore desh ki economy pe bura asar pada hai aur economy pehle se hi bure haal me thi. Coronavirus ke liye RBI ne jo Loans pe moratorium daala tha uske wajah se desh ke saare banks ne alag se funds provisioning me rakhha hai aur isi liye desh ke saare banks ke Q1 number kharab dikh rahe hain. Isi wajah se Q1 nnumber kharab hone ke bavjoot, Banks ke shares ne reasonably perform kiya hai, chahe  Indusind bank ho ya HDFC bank. Lekin isi list me jab Yes Bank ka naam ata hai, to log kaap uthte hai soch ke ki kaise unka paisa yes Bank se wapas aayega, log itna bhi soch lete hain ki poora paisa na ddobe, bas aadha hi mil jaye to hi bahut hai. Ye Mamla aur garam tab hua jab yes bank ne apne current share price ke aadhe daam me FPO - FOllow Up Public Offering laane ka announcement kiya. Yehi wajah hai ki pichle ek mahine me YEs Bank lagataar 25 INr / share ke price se Girke FPO waali price ke neeche, around 11 INR/share ke asspass ghoom rahi thi. To fir aise zombie share ke peeche kyun hum fir apna time dein? Isko jaan ne ke liye poora blog end tak padhiye. 

Yes bank ko moody ka Thumbs Up

Moody’s kya hai? Ye ek international rating agency hai jo poori duniya ke financial institutions ko moniutor karta hai aur uske health checkup ke baad ek rating deta hai jisse investors ko aur shareholders ko pata chale ki company kis haal me hai. Is Moody’s ke latest rating me Yes Bank ke long term foreign currency rating ko Caa 1 se B3 pe upgrade kar diya hai. Moody's has also upgraded the bank's long-term foreign and local currency bank deposit ratings to "B3" from "Caa1", and foreign currency senior unsecured MTN programme rating to (P)B3 from (P)Caa1. Halaaki Yes bank ke overall outlook ko Stable bataya gaya hai, Jo yes bank ke liye aur investors ke liye acchi baat saabit ho sakti hai. Kyun ki 5th August ke market close hone tak yes bank ne total 5% ka chalaang lagake 12.85 par close hua.

 

Aapko samajhna padega ke yes Bank me achanak ye positivity kaise aayi aur kya ye long term hai? Kya ye last karegi? Kya ispe invest karna ya hope karna sahi hoga? Ya fir wo log hi sahi the jinhone isko Zombie bank keh diya tha kuch hi dino pehle?

 

To pehle samajhte hain ki Yes Bank ke is turnaround me sabse bada haath hai fund raising ka. Koi bhi financial institution jab market se paisa uthata hai successfully to iska matlab ye hota hai ki market ko uspe abhi bhi bharosa hai ki wo return de payegi. Ye mutual trust ke basis pe hi yes Bank ke FPO, jo 12INR / share ke rate se issue kiya gaya tha, uske zariye Yes Bank ne 15000 CRore ka fund raise kiya. Halaaki bade institurions and high net worth individuals ne isse doori banaye rakhhi, magar logon ne is issue 1.4 times tak subscribe kiya aur yes Bank ke lagbhag 12.5 Billion naye shares issue kiye gaye is trading ke dauran. While the qualified institutional buyers (QIB) portion was subscribed 1.4 times, the segments meant for HNIs and retail buyers were subscribed just 63 per cent and 43 per cent, respectively. Ye hi main wajah hai ki Moody’s ke rating me Yes bank ka improvement hua, stocks upar gaya. Kya isse saare pareshaani door ho jayegi? Ye thoda mushkil dikh raha filhaal. Kyun ki financials inke abhi bhi pichle saal ke muqable me kam hi hain, upar se inke /founder ko hi corruption ke charges me ghera gaya hai. Public sentiment bhi in sab mamlo me bahut impact karti hai. Aur sabse bada factor hai coronavirus aur uske wajah se rakhe gaye provisions. Agar pandemic aur lockdown ka situation improve nahi hota to shayad agle quarter me aur bura haal ho sakta hai yes Bank ka, aur fir kuch aur tareeke se agar bank Fundraise nahi kar payi, to kahi yes Bank sach me Zombie bank na ban jaye, lekin uske liye hume Corona Pandemic se related saari news pe nazar banaye rakhni hogi.

 

Bandhan bank ka kya hoga?

Bandhan Bank ka Q1 results bhi kaafi kharab tha, Iska Net profit, YoY basis pe, 32% ya 550 Crore gira, Q1 2020 me, firse jiska main reason pandemic ke wajah se chal raha economic lockdown aur provisions bataya jaa raha hai. Lekin abhi aap samajh gaye honge ke bure sentiment ya results se ubhar ne ka sabse accha tareeka hai funds raise karna taaki company ka rating badh jaye aur log positive sentiment ke saath company me invest karne aaye. Yehi hua bandhan bank ke saath bhi. Bandhan bank ke main shareholders ne, is bank me apne shares, jo $1.4 Billion ka valuation rakhte hai, usko bech diya BlackRock Inc. and Singapore’s GIC Pte. ko. Temasek Holdings Pte and SBI Mutual Fund also bought shares, the bank’s founder and Chief Executive Officer Chandra Shekhar Ghosh said in an interview on Monday. GIC got the Reserve Bank of India’s approval to raise its stake in the lender to 10 per cent from 4.9 per cent, he said. Bandhan Financial Holdings Ltd. sold 337.4 million shares in the Indian lender at Rs 313.1 in a block trade on Monday, lowering its stake to 40 per cent. The sale took place at a 9.3 percent discount to the previous closing price,

 

Lekin ye fundraising kiya gaya Public firm me main promoter ke holdings ke percentage ko regulation ke andar laane ke liye. TO ye koi bahut bura indication nahi hai ki owners company chor ke bhaag rahe hain, magar ye ek necessity thi company ko listed company ke rules ko follow karwane ke liye. Lekin iska kuch accha effect nahi dikha share market me. Jaha yes Bank ke fund raising ko logo ne acche se liye aur stocks upar gaye, wohi Bandhan bank ka stocks girne laga, Monday ko lagbhag 10% gira, lekin wapas 2% ka recovery bhi kiya. Iska seedha ye matlab hota hai ki pehla impression bura gaya, isliye thoda down hua, lekin baad me jaise hi logo ko sach ka pata chala to wo wapas aa gaye company profile me.

 

Bandhan bank ko isse pehle RBI ne expansion ki ijazat nahi di thi kyun ki wo apna majority holding RBI ke regulation ke mutabik 40% ke neeche nahi la payi. Lekin iske baad  Bandhan Bank agreed to combine with mortgage financier Gruh Finance Ltd. in a $11.7 billion deal to pare the founder’s stake as mandated, following which the central bank partially relaxed its curbs on the lender. Abhi 20203 tak bandhan ke majority holding ko 20% tak laana unka target hai. Ye RBI ke regulation ka result hai jiske zariye RBI, private banks me corporate governance ko improve karne ki koshish kar rahi hai. Bandhan bank ek aisa bank hai jiska profitability metrics, including return on assets and return on equity, are the highest among Indian banks. Aur Bandhan bank aane waale dinno me insurance and asset management ke domain me bhi expand karneka soch rahi hai. Iska seedha matlab ye hai ke Bandhan bank ke baare me rumors me yakeen na karein, khabr koi bhi ho usko deeply analyze karein, aur tabhi koi bhi decision le, warna profit se zyada loss hone ke chances rahenge.

 


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