@NeilBahal demerger bahal is a master of special situation investment.

This thread is dedicated to this genius named Demerger Bahal.

Today we would discuss about Jammu and Kashmir bank.

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India.
#SaturdayThoughts
is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.
It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level (2/n)
#fintwit
Bankers’ Committee (SLBC/UTLBC) meetings.D Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.(3/n)
#India
Ratios (Q3FY21)
Capital Adequacy Ratio - 11.77%
Net Interest Margin - 3.88%
Gross NPA - 8.71%
Net NPA - 2.50%
CASA Ratio - 54.44%(comparable to Kotak Mahindra Bank only.
Refer to my 2 threads on KOTAK MAHINDRA bank and casa ratio separately.
(4/n)
#invest
#India
#Pakistan
Presently, the bank has 950 branches across India with 1,400 ATMs in operations. 83% and 89% of all branches and ATMs are located in the state of J&K.
Presently, personal loans account for 31% of the loan book, followed by corporate loans (31%)
#invest
#India
#finance
(5/n)
Agri (12%), trade (11%), SMEs (10%) and others (2%).
Advances in the state of J&K accounts for 68% of the total advances while the rest 32% advances are distributed in Rest of India.

JKB Financial Services Ltd - It is wholly owned subsidiary(6/n)
#invest
#India
#finance
of the bank which carries out the activities of Stock Broking, Depository Services, Distribution of Mutual Funds, Distribution of Credit Cards and collection of Utility Bills. The company's network spans over Jammu, Kashmir and Gurugram.(7/n)
#invest
#India
#finance
Sponsored RRB
The bank is the sponsor of the J&K Grameen Bank which is operating in 13 districts of the UTs of J&K and Ladakh v,Baramulla, Bandipora, Kupwara, Jammu, Kathua, Rajouri, Poonch, Leh, Kargil, Samba, Kishtwar, Ganderbal and Srinagar having 217 branches(8/n)
#finance
with 1051 employees. The bank holds 35% stake in this Grameen Bank.
⭐Preferential Allotment
In March 2020, the bank allotted 15 crore equity shares of face value ₹1/- each to the Govt. of J&K for Rs. 31.93 per share. The following capital raise resulted in a capital inflow(9/n)
599 crore to the asset of Bank

⭐⭐⭐ Special situation ⭐⭐⭐

Government of India historically has taken away all PREFENTIAL treatment to J&K that was provided earlier by some vested interest of mean politicians to favour Pakistan and militants.
It has been (10/n)
#India
Converted into union territory and taken into direct jurisdiction of government of India.
Amazing special situation.
This reflected in their result.
In FY Q4 ,they have posted highest ever profit with all indicators positive.
(11/n).
Very interesting special situation #India
Investment.
Can it be a turnaround story?
Thanks for your time ✍️🙏.
NOT a recommendation for educational purposes only.

#India
#fintwit
#finanzas
#finance
#invest
#banknifty
#Go_Imran_Go
#ltsSannieDay
#ufotwitter
#Your_Choice

Are you invested?

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More from @DrdhimanBhatta1

10 Jul
All answers are horribly wrong.
In fact all these are strengths of #motilaloswal ,which is a fundamentally superstrong company with zero DEBT.(1/n)
With a very dependable and respected Promoters named @Raamdeo Agarwal Sir and @MrMotilalOswal Sir at helm,the company has posted very good quarterly and annual reports.
#motilaloswal
This company has function in 4 facilities.
(2/n)
1. Broking
2. PMS
3. AMC
4. HOME LOAN.

This brilliant company is the only HAVOC undervalued STOCK in the sector.
#motilaloswal
As per charts, it is showing massive bullishness.

#stocks
#StocksToBuy
#stock
#StocksInFocus
#StockToWatch
#stonk
(3/n)
Read 4 tweets
10 Jul
@saptak81 I don't believe in technical analysis and target.
I am a pure fundamental guy with fundamental analysis, business model,management analysis,future growth prospect and above all PSYCHOLOGY.
But as you are asking for target,let me disclose(13/n)
#stocks
#StockMarket
#tradingtips
@saptak81 When I first studied it at 28.02,my short term target was Rs 39 which it has already achieved.
Now let's discuss other targets.
According to book value this should go to Rs 90.
Then there is huge resistance at Rs 93.
If it breaches it, then according to net profit margin (14/n)
@saptak81 It should reach 180 Rs.
Then as per ROCE it should breach Rs 200

@NeilBahal

According to special situation investment strategy,the target should be between Rs 380 to 390 by 5-6 years.

If government holds D region in firm (15/n)
Read 4 tweets
10 Jul
@SamareshChatt16 There R differences between these two players.
If DIVIS LAB is @VVSLaxman281 then Laurus is @SGanguly99 .
DIVIS LAB produces only API ordered by other companies,it can bat very well like VVS.
Laurus lab,on the contrary makes API and coming into final(1/n)
#lauruslabs
#divislab
@SamareshChatt16 @VVSLaxman281 @SGanguly99 Package product making,it was a good batsman till now, but from now on,will bowl well like Ganguly.
This has positive n negative impacts on COMPANIES.
DIVIS LAB will continue to receive orders as the giants know it will never bowl, competitive ADVANTAGE(2/
#divislab
#lauruslabs
@SamareshChatt16 @VVSLaxman281 @SGanguly99 For Divis.
On the contrary, laurus lab will now open D batting n bowling like Dada as it has completed it's forward and backward integration to the full.
It will make primary, intermediate and final products.
May be very good,may be very bad for the future
#lauruslabs
#divislab
Read 4 tweets
9 Jul
Laurus lab is the clear winner 🏆 here.
Let's discuss about it.

Time for a thread.(1/n)
#lauruslabs
#laurus
Laurus Labs is principally engaged in offering a broad and integrated portfolio of Active Pharmaceuticals Ingredients (API) including intermediates, Generic Finished dosage forms (FDF) and Contract Research Manufacturing services (CRM).
(2/n)
#lauruslabs
#laurus
The company has grown from one-product company in 2010 to 60+ commercial products in 2020. The company has 116 patents .(3/n)

#lauruslabs
#laurus
Read 7 tweets

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