@HDFC_Bank #hdfc
#Q3marketupdates
Good show
Standalone profit 8758 cr vs 7416 yoy

NIM up 15.1% 16317 crs vs 14172 yoy

Loan book increased 16% YoY to 10.82 lakh crs & deposits by 19% YoY to 12.71 lakh crs at the end of Dec 20

CASA Dec 20 43% vs 39.5% Dec 19 & 41.6% Sep20
Provisions 3414 cr vs 3703 qoq vs 3043 crs yoy
Gross NPA 8825 crs (0.81 vs 1.08) vs 11305 qoq, down 21.9 % ,down 189 bps
Net NPA 1016 vs 1756 ( 0.09 vs 0.17% ) down 42% qoq ,down 8 bps
Restructuring under Covid 0.5% of advances
5485 vs 5203 branches yoy
15541 vs 14533 ATMs
CAR at 18.9% against regulatory requirement of 11.075%
Total credit cost ratio 1.25% vs 1.41% Q2fy20 vs 1.29% Q3fy20
Balance sheet size 1654226 cr vs 1395336 Q3fy20
Provisions & contingencies Dec 20, 3414 crs ( specific loan loss provisions 691 crs & general,other provisions 2722.9 )
vs 3043 Dec 19 ( specific loan loss pvs 2883 crs & general,other provisions 159.9 )
Total prvs for Q3 include contingent prvs of 2400 crs for proforma NPA
Restructuring under RBI resolution framework for Covid approx 0.5% of advances
If bank had classified borrower accounts as NPA after Aug 20
GNPA 1.38% Dec 20 vs 1.37% Sep 20 vs 1.42% Dec 19
Net NPA ratio would have been 0.4%
@HDFC_Bank
Q3 FY 21 performance in short

NII up 15.1% yoy
16317 vs 14172 crs

Operating profit up 17.3% yoy
15186 vs 12945

Net profit up 18.1%
8758 vs 7416 cr

Total deposits up 19.1%
1271124 vs 1067433 cr

Total advances up 15.6%
1082324 vs 936030

#Q3marketupdates
Balance sheet size up 18.6%
1654228 vs 1395336 crs

Core NIM 4.2%
CAR 18.9%
Gross NPA 0.81%
CASA 43%
Total branches 5485

Loan mix
Wholesale 52%
Retail 48%

Branch mix %
Metro & urban 50
Semi urban & rural 50

#StockMarket
#nifty
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More from @BullsforBears

16 Jan
@hcltech
#Q3marketupdates

Fy21 guidance
Revenue expected to grow QoQ betn 2-3% in constant currency for Q4fy21
Ebit exptd to grow betn 21-21.5% for fy21
Rev cross $10bn milestone in Cy20 ,delivering 3.6% yoy growth in constant currency, CY20 delivered Ebidta 26.6%,ebit 21.5%
#hcltech won 13 transformational deals across industry vertical including lifesciences,healthcare ,tech, financial services

Broad based growth driven by Mode 2 & products & platforms
Mode 2 prime driver of growth, up 25% yoy & 10.9% wow in CC,led by traction in cloud& digital
Products & platforms clocked healthy 9.3% yoy growth in CC on strong new license sales & robust renewals
Ebidta at 28.2% expanded 355 bps yoy
Ebit 22.9% expanded 265 bps yoy,129 bps QoQ
Cy20 operating cash flow $2667 mn & FCF $2407 mn ,up 63.5 & 82.8% yoy
Read 4 tweets
15 Jan
#gtpl hathway investor presentation highlights
#Q3marketupdates
No.2 MSO India
No.1 in Gujarat, 67% mkt share
No.6 Pvt wireline broadband player
CATV subscriber base 1.8x last 4yrs,Broadband base up 2.3x
Rev CAGR 22% last 4 yrs ,Ebidta Cagr 18%
FCF + last 4 yrs
#StockMarket
Dividend paying last 4yrs ,30% dividend Fy20
Net debt 392 mn Dec 20 ,down 3511 mn last 4 yrs
Repaid debt 972 mn in last year
Total income (Incl EPC) up 12%QoQ
ISP rev up 84% you
Ebidta 4170 mn in 9Mfy21 ,up 10%
PAT 1314 mn in 9mnths, up 45%
CATV Business
Increased active & paying subscribers 50K each QoQ basis

Broadband increase 185K subscribers in 9mfy21 ,55k in Q3
Active subscribers 590K Q3
5.5% increase in ARPU
Avg data consumption per user 205 GB Dec 20,up 63% annually

Offering 47 channels across genres
Read 7 tweets
13 Jan
@Infosys
#Q3marketupdates
Consolidated financial data
Large deal signings- $7.13 bn
Digital CC growth - 31.3%
CC Growth - 6.6% yoy
Operating margin - 25.4%
Increase in EPS - 16.5% in Rupee terms

Revenues
Q3 fy20 / Q3fy21 in $ mn
Digital - 1761/1318
Core - 1755/ 3243
#stocks
Revenue in % Q3 fy21/fy20
Financial 33.1 /31.5
Hi tech 8.2/ 7.6
Life sciences 7.1 /6.7

By client geography
USA 61.6 /61.3
Europe 24 /24.4
ROW 11.8/11.5
India 2.6/2.8

Number of clients added -139
Number of mn $ clients
1mn $ - 761
10 mn $ 246
50mn $ 60
100 mn $ 29
#TCS
Voluntary attrition down from 15.8% in Q3fy20 to 10% in Q3fy21

FCF in crs
Q3fy20 - 4759
Q3fy21 - 5683

Q3 revenue up yoy by 8.4% in $ ,up 6.6% in constant currency
Digital revenues cross 50% of total revenue
Q3 margin 25.4% ,yoy up 350 bps
Opg margin 24.5%
#Q3marketupdates
Read 5 tweets
2 Jan
#industowers
Mkt leader telecom tower space in India, 95801 towers ~16% industry ,post merger 1,70,000 towers ,29% mkt share
Rev up 5.4% QoQ 37 bn,Rental up 3.4% QoQ 23.3 bn post rise in tenancy rates ,tenancy addition, energy rev up 9% 13.8 bn ,Ebidta margin down 130bps
#telecom
PAT up 4% 7.3 bn
Net tenancy up 2116 vs decrease 365 in Q1 to 176332
5g infra rollout require dense network, however 5g more asset light, faster rollout,increase profitability
WFH ,Digitization,increased data consumption will sustain growth going fwd
@airtelindia @reliancejio
Tenancy addition 2116 location is highest past 13 quarters
Post merger shareholding- Airtel 36.7 ,VIL 28.2 ,Providence 3.25 ,remaining public
Energy Ebidta loss due to operator shift from fixed energy to pass through model
Tenancy addtn to remain steady post Agr case
#telecom
Read 7 tweets
31 Dec 20
#glandpharma
Injectable focused B2B company
Mkt includes US,Europe,India,Australia
Niche area - sterile injectables,Oncology,Opthalmic solns
Focus -complex injectables,first to file,NCE-1, 505(b)(2) filings
Chinese promoter Shanghai Fosun Pharma is a global pharma major
#pharma
Fosun acquired controlling stake in gland 74% in 2017 for $1.09 bn
Gland has 267 ANDA filings in the US Mkt, 215 approved
267 filings - 191 sterile injectables, 50 oncology ,26 ophthalmic
Out of 267,101 ANDA are owned by Gland of which 71 approved
Good regulatory compliance
No #USFDA warning letter till date
7 mftng facilities - 4 finished Formulations, 3 API
API facilities 100% captive consumption
63% of Fy20 revenue of 2633 cr were from US mkt
Focus on injs with high entry barrier, limited competition, strict regulatory reqs

#API #cdmo
Read 12 tweets
30 Dec 20
@TitanCompanyLtd
Jewellery saw sharp uptick in Q2fy21 ,98% precovid levels
Added 14 Tanishq stores,8 in Q2
Watches / eyewear recovery sluggish 55/61 % precovid
Mkt share gains for organized players,strong balance sheet,franchisee model,digital spending,ecommerce driving sales
Rise in gold prices led to robust gold jewellery & coin sales
Smaller towns driving demand
Recovery 77% in Jun to 98% in Sep quarter
50% Tanishq stores concentrated in rural areas
Wedding season ,diwali to further boost jewellery demand
#titan #Nifty #sensex #StockMarket
Reopening of stores, malls, vaccine may increase footfalls in Q3,Q4
Launched 'Gift a Titan' & new jewellery division ' Rooted from Zoya'
Launched its 1st smartwatch 'Titan connected X'
Taneira launched 1st Chennai store ,total 13 stores functional
Read 4 tweets

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