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GOI recently announced revival package of Rs 20 Lakh Cr on making India Self Reliant

Mr Dhananjay Walke (Founder, Associated Partners) today explains -
What does this package contain?
What policies it covers and how they are structured?
Which sectors are left out?
Way Forward
This is a featured post in collaboration with Mr @dhananjaywalke
We at Finsense thank Mr @dhananjaywalke for this insights!
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Finsense Gurukul
@FinsenseG
How to pick a Good Bank?

Banking is a very risky business where the inherent nature of the business is such that leverage is used to the extent of 5-10 times.

#Banking
So it goes without saying that banks are expected to lend conservatively, do excellent underwriting and not miss the forest for the trees (meaning not missing balance sheet strength for just P&L. We all know of a bank who did things simply for P&L and ended up capital-starved).
So here is the checklist -

1. Lend Conservatively

Source - Q1FY20 concall
Read 14 tweets
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Finsense Gurukul
@FinsenseG
What is a Bank? What does it do? How does it earn money?

Ray Dalio, hedge fund manager, Bridgewater Associates always breaks complex mechanisms or processes into sum of the parts (Fun Fact – He used this very approach when McDonald’s wanted to launch McNuggets).
We will do the same to find what a Bank takes in (input) and what it gives out (output). This will help us understand how a bank functions in a very simple manner!
Bank’s input is the deposits they take from savers. (Cost of funds represents the rate of interest they give to their deposit holders which are savings accounts, term deposits, and other deposits.) Bank’s output is the loans they give to borrowers.
Read 6 tweets
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Finsense Gurukul
@FinsenseG
We have heard the terms GNPA, NNPA, PCR a lot of times in Banking, but what do they really mean?

A loan is said to be an NPA when it is in default/arrears on scheduled payments of principal or interest. In short, a loan is a NPA if loan payments have not been made for 90 days.
Gross NPA (GNPA)

GNPA is the total figure of loans on which no payments have been paid for 90 days or more. GNPA % is basically the GNPA amount as a % of the total advances which is shown in each Bank’s quarterly results.
Net NPA (NNPA)

It is the amount left after after deducting provisions made for bad loans from GNPA. (GNPA – Provisions = NNPA)
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