Research and consultancy, Tabbush Report

Daniel Tabbush

Research and consultancy

Tabbush Report

We provide research and consultancy on Asian banks. Our focus is on what we call “Asian bank research, without the noise.” We are interested in the most critical swing-factors for banks, the NPL and credit cycle, and where we believe there is a gap between perception and reality. We often focus on the less studied components of bank financial statements.  Our research is highly thematic, sometimes examining unlisted banks and companies as a window on mainstream banks. 

Being independent allows us to look at smaller banks, often overlooked by others. Analysis of BIS bank guidelines in the context of Asia, is also a focal point, while we also analyze global banks operating in the region. We use what we believe is the most comprehensive, reliable financials database, SNL Financial. S&P Capital IQ augments our database, with corporate data and CEIC, with economics. 

Asian bank research, without the noise.

Equity Bottom-Up

Despite flat bad loans in the quarter, <a href="https://www.smartkarma.com/entities/17288" target="_blank" data-smartkarma-citation="entities:17288:1">South Indian Bank Ltd (SIB IN)</a> shows all too well, how credit costs can still rise dramatically. There are a host of possible reasons for this, including non-performing loan (NPL) distribution, NPL coverage, high write-offs or to meet more stringent <a href="https://www.smartkarma.com/insights/ifrs-9-drives-50-higher-provisions" target="_blank">IFRS 9</a> accounting standards in calendar year 2018. Being more forward-looking and conservative in calculating <a href="https://www.smartkarma.com/insights/hdfc-bank-risk-uncovered" target="_blank">credit costs</a> is certainly another possible driver, and very much akin to IFRS 9.SIB reported its loan…

Despite flat bad loans in the quarter, South Indian Bank Ltd (SIB IN) shows all too well, how credit costs can still rise dramatically. There are a host of possible reasons for this, including non-performing loan (NPL) distribution, NPL coverage, high write-offs or to meet more stringent IFRS 9 accounting standards in calendar year 2018. Being more forward-looking and conservative in calculating credit costs is certainly another possible driver, and very much akin to IFRS 9.SIB reported its loan…

South Indian Bank – How Credit Costs Can Soar, When Bad Loans Are Flat

India

South Indian Bank Limited is a private sector bank in India that provides retail and corporate banking services. It offers a diverse range of products including loans, savings accounts, credit cards, mutual funds, and insurance. The bank is headquartered in Thrissur, Kerala, India, and was established in 1929.

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South Indian Bank (SIB IN)

South Indian Bank – How Credit Costs Can Soar, When Bad Loans Are Flat

Despite flat bad loans in the quarter, South Indian Bank Ltd (SIB IN) shows all too well, how credit costs can still rise dramatically. There are a...

Daniel Tabbush

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