Laxmi Vilas Bank Case Study | Kya Indian Banking system ka haal bura hai?

 


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Lakshmi Vilas Bank


Doston India ke banking sector me ek se ek buri khabar aa rahi hai, kabhi Yes Bank, kabhi PMC bank, aur is baar laxmi Vilas bank. Aaj ke post me hum aapko clearly batayenge ki kaise Indian banking system is situation se cope kar rahi hai. Aur aise incidents se investors ko yaani aapko kaisa farak padhta hai. Agar aapne ab tak blog ko subscribe nahi kiya hai to fatafat subscribe kijiye .

 

Laxmi Vilas Bank case study

Laxmi Vilas bank ke aise haal ke peeche teen main reasons hai jo Yes bank aur PMC bak ke case me bhi same hai .

 

1.     Poor FInancial Condition

2.     Increasing NPA yaani Non performing asset ka badhna

3.     Management irregularities and RBI intervention

 

Ab ek ek karke in situations ko explain karenge.,

 

FInancial condition kharab hone ka matlab ye hai ke bank se depositors paisa nikal rahe hai bade amounts me. Isliye bank ka overall deposit kam ho raha tha quarter by quarter. Ab samajhte hain ki exactly ho kya raha hai is noise ke peeche, kya sach me financial condition ita kharab tha Laxmi Vilas bank ka ke RBI ko takeover karna pada, ek mahine ka moratorium daalna pada aur 25k INR ka cap lagana pada money withdrawl par? September quarter me Laxmi bank ka loss 397 Crore tha, ye ek saal pehle 357 crore tha. Dhyan rakhiye ke is saal 7 mahine Covid pandemic ke waja se barbaad hua hai, for bhi loss utna zyada bada nahi hai. Surprizing baat ye hai ki March quarter me inka loss 836 crore tha aur Lockdown ke time par ye loss kam hua hai. NPA 7.01 % par tha aur net deposit kuch 20k crore INR ke aas pas tha. Isme dhyan dene waali baat ye hai ki Gross NPA commercial bankski 9.3% ke ass pass kahi gayi thi December 2019 ke Government ke report me. Us hisaab se dekha jaye to Laxmi Bank ka NPA bhi limit ke andar tha. Halaaki investors is bank se paisa nikaal rahe the aur isliye deposits kam ho raha tha, ye ek reason ho sakta hai ki RBI ne interfere kiya, kyun ki usko laga hoga ki shayad is rate se bank se agar paisa nikalta raha to fir bank fail kar sakti hai. Ya fir iske peeche kuch aur reason ho sakta hai?

 

Yes bank aur ICICI bank ke case ek scene common ye tha ke dono banks ke AGM meetings me unke board members ne managing directors ke upar bharosa nahi dikhaya tha, ye sabse bada reason hai jab RBI intervene karti hai, kyun ki usko lagta hai ki board of directors me confidence ki kami hia aur isse bank ke health ko effect ho sakta hai. Aur shayad yahi wajah hai ki Yes bank ke case me RBI ne T.N. Manoharan, jo canara bank ke Chairman the, unko Yes Bank ka rsponsibility diya. Yes bank ke situation ko sambhalne me India ke private and sarkari banks consortium ne bhi bada role play kiya, jab SBI ke leadership me India ke leading banks ke Yes Bank me 10000 Crore Rs ka capital infuse kiya, Iske wajah se yes Bank ka financial health better hua aur September 2020 quarter me Yes Bank ne ;ummed se accha perform bhi kiya. Yaani in banks ki halat itni bhi buri nahi hai jitni lag rahi hai.  Abhi bhi theek tareeke se chalaya jaye tofir ye profitable ho sakti hai, to fir proit dene se pehle ye banks doob kyun rahi hai? Isko samajhna bahut zaroori hai.

 

Privatization of Banks

Indira gandhi jab india ke PM the us zamane me banks ka centralization kiya gaya tha, ye isliye kiya gaya tha taaki koi bhi bank depositors ka paisa leke doob gaya to depositors ka paisa safe rahega. Ye ek revolutionary step kaha jaa sakta hai. Aur India me abhi filhaal banks ka privatization kiya jaa raha hai, recently Bahut saare banks ka merger hua hai, bahut logo ne naukri khoyi hai. Yes bank ka leadership change, ek tareeke se restructuring hi kaha jaa sakta hai.

 

Laxmi bank ke liye ye change hoga jab DBS Bank India ke saath uska merger hoga. Yaani is mauke ka fayda uthate hue ek sarkari bank, jiske poore desh me 563 branches the, usko merge kiya jaa raha hai Singapore based ek bank yaani DBS bank, jiske poore desh me sirf 33 branches hai. Agar aap samajhdaar hai to ye samajh payenge ke isme ek pattern hai, UBI aur Indian bank ka merger kiya gaya recently, wo din door nahi jab shayad saare aise sarkari banks ko SBI ke under aaya jayega aur fir wo din bhi aa sakta hai jab SBI ko bhi privatize kar diya jaye.

 

Iemek pattern ye ubhar kar aa raha hai ki kuch wajah se Indian financial insitutions acchi tarah se perform nahi kar rahe hai, ya ye kaha jaa sakta hai ki unke performance ko downgrade kiya jaa raha hai aur unko bechne layak banaya jaa raha hai. Agar aapki gaadi ko kharab bataya jaye to hi aap usko bechne ke liye ready honge, kuch waise hi India ke banks ko beemar announce karke, unka restructuting karke unko private banks ke haathon me diya jaana kya accha move hai? Kya is move se desh ki economy ko rahat milegi ya fir desh financially private players ke upar itna dependant ho jayega ki desh ke paas apna kehne waala koi Financial Insitutions hi nahi bachega? Mujhe aisa kyun lag raha hai aur main kyun keh raha hu ki iske peeche bada reason hai?

 

Investors ko dhakka

In saare banks me jinjin investors ne paisa lagaya tha unka paisa to acchi tarah se doob gaya hai. Yes bank, Vodafone Idea, DHFL, laxmi Vilas bank ke shares itna niche gira hai ki jin logon ne acche volume me paisa lagaya tha unka poora paisa ddob gaya. Laxmi bank ke merger ke announcement me bhi kaha gaya hai ki jaise hi merger complete hoga, shares ko delist kiya jayega, yaani investors ka paisa gayab. Ye galti kiski hai? Kuch had tak investors ki bhi hai. Intraday calls ke chakkar me jo log company financials and market trend ko nahi dekhte, unke liye market dangerous jagah hai. Jaise Laxmi bank me koi bhi Mutual Fund investment nahi tha, ye ek bahut bada inicator hai ki bank ka health theek nahi hai. Ye dekhte hue investors ko sambhal kar paisa lagana chahiye tha. Lekin fir bhi jinhone paisa lagaya unko shock mila.

 

To abhi aap bhi samajhdaar ki tarah behave kijiye, apne portfolio me kaunse aise aasteen ke saap chupe hai unko dhoondh nikaliye, kaunsi companies ko sarkar bechne ki firaak me hai ye dhyan rakhiye, kyun kijo company bikne waali hai uska shares girega hi. Normally iska opposite hona chahiye, yaani sarkar agar kisi company ko bechna chahe to fir uska performance accha karne ki taraf dhyan dena chahiye, taai uska valuation badhe, lekin yaha ulta hua hai, aur isse fayda pahucha hai private players ko jo kam daam me aisi company khareed paa rahe hai jo future me profit kamke degi. Ye jo profit private companies ko ho raha hai, iska kickback kisko a raha hai? Kaun zimmedaar hai desh ke banks ke bure haal ke liye? Kya bina beche bhi koi rasta nikal sakta hai? Aapko kya lagta hai mere post ke comment box me likhiye aur post ko like, share kijiye

 

 

 

 

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