00:00foreign
00:14foreign
00:20foreign
00:26foreign
00:27But I always focus on one thing that I always focus on, that there is a lot of premium business
00:34that is a high price-to-book that becomes a stumbling block for a sustained price-rise, stock price-rise.
00:56So, for the right reasons, over time, you have been of 6-0-0-0-0-0-0-0-0
01:02-0-0-0-0-0-0-0-0-0-0.
01:14I don't want to get a clear upside to me, I think it's mostly a consolidation candidate
01:39I want to be able to stay in the same way, but I want to be able to stay in
01:41the same way.
01:42The first thing I want to be able to stay in the same way,
01:46in terms of valuations if you go to premium category and give the price to book
02:16price-to-book they be there but still a bb 5 times price-to-book
02:22to 20% to as a bb in a guy or is he
02:26liya apis me dekhtay hain ki jabi each our time price-to-book
02:3020% 950 or is me say up 200 rupi nikaal
02:35dhiya to tariq 750 so apis me kabhi
02:39bhi dekhi ga is 750 800 range me is
02:45foreign
02:46foreign
02:47foreign
02:48foreign
02:50foreign
02:52to five to five price to book was a sustain
02:54naii karega mujhe to naii lagta five five and a half maximum stretch ho
02:58saktar mein man ke chalta hoon ki bajaj finance ka
03:02eek bada range rahe ga thousand twenty five se leke
03:06seven seventy five is range mein abhi bhi consolidation hoona chahe
03:13jay lekin iske jose nati jay is barai
03:16hausme kai sari chijay thodi sudharti hoi
03:20dikhi rahe hai hai mtla pahle se ka bhetar hooti hoi
03:22jayse agar aap dhekhen to ah ah
03:25thik hai aapka revenue agar me quarter on quarter
03:28dhekhoon to baut nahi bada hai lekin ah even
03:32aapka interest income me bhi aapko baut
03:35zyadha quarter on quarter mazbooti nahi dhekhi hai
03:37lekin agar aap inke net profit ko dhekhenge
03:40to woh quarter on quarter kaafi aachha raha
03:44hai salda sal bhi aachha raha hai
03:46ah ah iske net npa me dhekhen ya gross npa me dhekhen
03:50to woha pere quarter on quarter
03:52or why o why dhono tariqe se
03:54aapko aachha sudhar aata hua dhikha hai
03:56why o why to nahi lekin haa quarter on quarter
03:58aachha sudhar aata hua dhikha hai
04:00gross npa me 1.21 se 1.01 ho gya
04:04aur aagar net npa bhi dhekhen to woha bhi 0.47
04:08woha 0.41 ho gya to profit me sudhar
04:13aur sath hi npa me sudhar
04:15so kya yeh cheej aaghe isko support dhegi pricing me
04:23mujhe exactly iske saath wohi problem lag rhehi
04:26hai jho hdfc bank ke saath bhi hai
04:29pahle 20% pe group kertethe
04:31phir 18-15-12-10-9
04:34to jiasse jiasse size bada hoota jata hai
04:38wiesse rate of growth
04:39kum hoota jayega
04:41aur valuation humko growth pe nahi
04:43humko rate of growth pe milta hai
04:44so rate of growth accelerate ho raha
04:47to humara valuation accelerate ho ga
04:49other rate of growth even if i'm growing
04:51but the rate of growth is coming down
04:54to humara valuation compression compress ho ga
04:56to hume iske valuation in light of that kar raha
04:59to mujhe wahi lagtathe ki iska
05:02finally yeh bhi kahi aisa na ho ki
05:0415% wale growth sales growth trajectory
05:07me salana joh annual hai
05:09uspe chala jay
05:10to uske hesaap se hum
05:12mujhe to nahhi lagta ki
05:14past time keo per valuation
05:15to uske dana chahi price to be
05:18stressed case
05:19haan good times agar agar agai
05:21abhi to good times kya hi
05:22agai agai agai
05:23oil ko lekhe
05:24so good times agar agai
05:26to bata lag hai
05:275 ka sarih 5 time hoja hai
05:28but still past time keo per
05:30paisa banna
05:31I am I own doubts
05:34jay
05:35jay
05:35po
05:35oh
05:35si
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