External broker reports(aggregated public sources), HDFC Securities

HDFC Securities

External broker reports(aggregated public sources)

HDFC securities is the best online trading platform for stocks, IPOs, mutual fund in India. 

Content available is external broker reports authored by a third party outside the Smartkarma network and has been aggregated by an online aggregator through publicly available sources and is displayed by Smartkarma in this format for user's convenience and general informational purposes only. Content does not constitute investment or financial advice and Smartkarma makes no representation or warranty regarding its accuracy or contents. Original third party author retains all copyright and other proprietary rights in the content. Access or use of third party links not controlled by Smartkarma are at the user's own risk.

Thematic (Sector/Industry)

<ul><li>State Bank of India: SBIN’s Q3FY24 earnings missed estimates due to one-off additional provision of INR54bn towards pension and INR17bn for DA relief, partly offset by lower credit costs</li><li>Loan growth was healthy (+15% YoY) with domestic margins being stable at 3.4%</li><li>Deposit growth lagged loan growth with the CASA ratio (39.5%, -72bps QoQ) continuing to drift lower, however, SBIN continued to maintain surplus SLR</li></ul>Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

State Bank of India: SBIN’s Q3FY24 earnings missed estimates due to one-off additional provision of INR54bn towards pension and INR17bn for DA relief, partly offset by lower credit costsLoan growth was healthy (+15% YoY) with domestic margins being stable at 3.4%Deposit growth lagged loan growth with the CASA ratio (39.5%, -72bps QoQ) continuing to drift lower, however, SBIN continued to maintain surplus SLRContent is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

HSIE Results Daily: State Bank of India, Indian Hotels, Mphasis, Aptus Value Housing Finance India

HSIE Results Daily: State Bank of India, Indian Hotels, Mphasis

External broker reports(aggregated public sources), Axis Direct

Axis Direct

Axis Direct is the flagship brand under Axis Securities Limited, a subsidiary of Axis Bank in India. 

Content available is external broker reports authored by a third party outside the Smartkarma network and has been aggregated by an online aggregator through publicly available sources and is displayed by Smartkarma in this format for user's convenience and general informational purposes only. Content does not constitute investment or financial advice and Smartkarma makes no representation or warranty regarding its accuracy or contents. Original third party author retains all copyright and other proprietary rights in the content. Access or use of third party links not controlled by Smartkarma are at the user's own risk.

Equity Bottom-Up

Aptus Value Housing Finance India / Equity Bottom-Up

<ul><li>Disbursement (+27/3% YoY/QoQ) and AUM growth (+28/6% YoY/QoQ) were marginally lower than our expectations.</li><li>AUM growth was driven by Home loans (+16/6% YoY/QoQ) and Small Business Loans (+127/14% YoY/QoQ).</li><li>NII grew by 20/5% YoY/QoQ. Yields remained largely stable QoQ, while CoF inched up by 14bps. NIMs stood at 13.4% vs 13.3% QoQ.</li></ul>Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Disbursement (+27/3% YoY/QoQ) and AUM growth (+28/6% YoY/QoQ) were marginally lower than our expectations.AUM growth was driven by Home loans (+16/6% YoY/QoQ) and Small Business Loans (+127/14% YoY/QoQ).NII grew by 20/5% YoY/QoQ. Yields remained largely stable QoQ, while CoF inched up by 14bps. NIMs stood at 13.4% vs 13.3% QoQ.Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Aptus Value Housing Finance Ltd. - Steady Quarter, Growth to Remain Strong!

<ul><li>Robust Systemic Credit Growth Driven by Retail, SME: The systemic credit growth (as of 15th Dec, 23) stood at ~20% YoY (~15.7% YoY ex-HDFC).</li><li>It continues to remain healthy and is largely being driven by Retail and SME lending along with continued recovery in corporate lending.</li><li>The banks that have reported their provisional numbers so far have reported healthy credit growth. </li></ul>Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Robust Systemic Credit Growth Driven by Retail, SME: The systemic credit growth (as of 15th Dec, 23) stood at ~20% YoY (~15.7% YoY ex-HDFC).It continues to remain healthy and is largely being driven by Retail and SME lending along with continued recovery in corporate lending.The banks that have reported their provisional numbers so far have reported healthy credit growth. Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

<ul><li>Disbursement (+23/15% YoY/QoQ) and AUM growth (+28/7% YoY/QoQ) were inline with our expectations.</li><li>AUM growth was driven by Home loans (+17/5% YoY/QoQ) and Small Business Loans (+111/20% YoY/QoQ).</li><li>In the Housing Finance book, the share of housing loans improved to 68% vs. 67% QoQ.</li></ul>Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Disbursement (+23/15% YoY/QoQ) and AUM growth (+28/7% YoY/QoQ) were inline with our expectations.AUM growth was driven by Home loans (+17/5% YoY/QoQ) and Small Business Loans (+111/20% YoY/QoQ).In the Housing Finance book, the share of housing loans improved to 68% vs. 67% QoQ.Content is external broker report sourced from online content aggregator through publicly available sources and is displayed below for general informational purposes only. Refer full disclaimer below.

Aptus Value Housing Finance Ltd - Eyeing Growth Beyond Core Geographies!

India

Aptus Value Housing Finance India Limited provides financial services. The Company offers housing and non-housing finance loans, as well as insurance services. Aptus Value Housing Finance India serves customers in India.

Aptus Value Housing Finance India (APTUS IN)

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Aptus Value Housing Finance India (APTUS IN)

HSIE Results Daily: State Bank of India, Indian Hotels, Mphasis, Aptus Value Housing Finance India

SBIN’s Q3FY24 earnings missed estimates due to one-off additional provision of INR54bn towards pension and INR17bn for DA relief, partly offset by...

HDFC Securities

HSIE Results Daily: State Bank of India, Indian Hotels, Mphasis

State Bank of India: SBIN’s Q3FY24 earnings missed estimates due to one-off additional provision of INR54bn towards pension and INR17bn for DA...

HDFC Securities

Aptus Value Housing Finance Ltd. - Steady Quarter, Growth to Remain Strong!

NII grew by 20/5% YoY/QoQ. Yields remained largely stable QoQ, while CoF inched up by 14bps. NIMs stood at 13.4% vs 13.3% QoQ.

Axis Direct

BFSI Q3FY24 - Earnings Preview

Robust Systemic Credit Growth Driven by Retail, SME: The systemic credit growth (as of 15th Dec, 23) stood at ~20% YoY (~15.7% YoY ex-HDFC).

Axis Direct

Aptus Value Housing Finance Ltd - Eyeing Growth Beyond Core Geographies!

AUM growth was driven by Home loans (+17/5% YoY/QoQ) and Small Business Loans (+111/20% YoY/QoQ). In the Housing Finance book, the share of housing...

Axis Direct

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