00:00Now we are going to talk about the Federal Bank Q1 FY27 in the Q1 FY27.
00:07This explainer, we are not going to look at the price release of the things we don't have to look
00:10at.
00:10We are going to talk about the press release of the bank and the Wales Book Data of the Nishpaksh
00:15Akron.
00:17This is clear to us that we are going to look at the actual story of the Decode.
00:23Let's see that today we are going to cover what we are going to look at.
00:26We will understand the origin, asset quality and deposit mix.
00:32We will understand the origin of the deposit mix and the deposit mix.
00:35We will understand the first sight of the Nishpaksh Akron.
00:38Let's start our first segment.
00:41Record Q1.
00:42This is the first time of the market.
00:46This is the number of 1,177,000.
00:51This is the first time of the Nishpaksh Akron.
00:59This is the number of asset payers which also供び grotesca plan
01:07Now, where do you feel effective?
01:11Where did the bank come from?
01:13The bank's MD and CEO KVS Manion's statement is clear.
01:18He says that the gain is completely from the core business.
01:22No market gain nor cost.
01:24He said that 15% of the loan growth compared to the net interest income is 26%.
01:30This shows that the bank's operations are very solid.
01:37Now we have another part.
01:39Margin and core credit growth.
01:41Look at the bank's lending and margin margin.
01:45These are the real story.
01:50One side of the loan, advance growth, is about 15%.
01:54But the other side of the net interest income is 26%.
02:00This is the real story.
02:14This is the real story.
02:17This is the real story.
02:59This is the real story.
02:59Now we are looking at risk management.
03:02Our third focus is 1% of the best asset quality.
03:06Before looking at the bank, just a quick recap.
03:10Non-performing asset, or NPA,
03:12that is where EMI or BIAJANA is closed.
03:15This is the most important thing for the bank.
03:20The Bank of this time has a perfect reading.
03:24It's only 0.18% net NPA.
03:27This is the best price of the bank.
03:30Look at the net NPA's 5-6% of the bank.
03:35The net NPA's 5-6% of the bank.
03:38The new loan is poor.
03:40The fresh slippage is less than 38%.
03:44The loan book is very clean.
03:47The quality is good, but the money is good.
03:51Let's go to our fourth segment.
03:54Deposit and funding mix.
04:17Bank's current and savings account,
04:19The amount of cash flow is increased by 18%.
04:23Non-resident deposits are increased by 14%.
04:26These are both the total deposit growth from total growth.
04:30This is why the bank is reduced by 57 basis points,
04:35and the amount of cash flow is reduced by 5.21%.
04:39This is the case of the bank's own press release
04:42and the number of cash flow,
04:45but there is also a twist.
04:48Let's go a little more,
04:50and look at Swatantra Wales Book data from the perspective
04:53that really is so perfect.
04:55And with this,
04:56we will see our 5-5 pieces of damage and damage.
05:01Now we will see the data completely as a result.
05:04So the question is,
05:05is that the growth is completely unfair?
05:08When a bank is so fast,
05:11it just doesn't work.
05:13It doesn't work on its profits
05:14and cash flow.
05:15Now,
05:34we will see the results.
05:44Now,
05:44The operating cash flow now has become quite stiff.
05:48The most important thing is,
05:50that the profit-before-tax of the bank of 74.6%
05:53is the highest level of high-high.
05:57When the main banking activities
05:58has become higher than high-high,
06:01the earnings of the quality is slightly less.
06:03After all,
06:06our third and final segment,
06:08the final segment is the Pramukh Sanket.
06:11The next time,
06:12we have three things.
06:15First,
06:16banks will sustain this 15%
06:18of credit growth.
06:20Second,
06:21the FEDFINA
06:22and the IDBI Federal Life
06:23will be the best of their companies.
06:26Third,
06:28the new ECL accounting transition
06:29will be the impact,
06:31which is the most important part
06:33of the bank's net worth.
06:34The most important thing is,
06:39that one is a great growth
06:40growth,
06:41and on the other side,
06:42it will increase the rates
06:43and volatile cash flow.
06:45The bank,
06:45how will the balance make these two
06:48Will it be better?
06:49Will it be better?
06:50Or will it be better?
06:51will be better?
06:51the new ECL
06:51will not be better.
06:52Of course,
06:52Call the 10th
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