Quick Heal Technologies Ltd IPO Message Board (Page 26)

Dipam,pls send ur email add.i will fwd link intime mail.

Kaha allotment done ?? Provide Link.

ALL PSU bank r backed by government security so PSU bank cannot go belly up... With regards to private bank can go belly up however the chance of that happening is very limited given very strict capital fund regulation by RBI

NPA is a issue however it not that big to close the bank worse come to 4 years profit will be lost.... we need to understand that bank hold a very big portion in CASA (current accounts and Saving accounts) where rate of interest is zero to 4% this help bank with spread of 8%

bank r backbone of the economy and if the break then india market will go to dogs so no government will allow this that is reason all government have a very good fiscal prudence

We don''t need to worry about money in Public Sector Banks. All is safe. When whole country is on bankrupt then we need to worry about our money in Public Sector Banks. Even money in Cooperative banks are secured up to 1 lakh. PS Banks are giving 4% interest on savings account. Lending rate is very high. Also banks are getting funds from RBI on low interest. This will help banks.

Though NPA is increasing in PS Banks. I think this is good step by RBI Governor to clean books . It may be extend till next one or two quarters. I can say it''s a good opportunity to buy PS Banks stock after or within this NPA cleaning process. Investors have excellent opportunity to invest in banks with less NPAs.

I’m more intrigued by the banks with large NPAs! The banks which are capable of raising capital & clean their B/S on their own (SBI, ICICI, BoB) seem to be good value stocks but by the same token weaker PSUs (Dena, Syndicate) could be a value trap! Apart from NPAs, BoB gives some additional negative vibe- operational risk due to many frauds that have come to light recently. Who knows how many more skeletons are hidden in the closet. I know I’m running the risk of being a party-pooper given 20%+ rally seen for BoB today itself! I can live with NPAs of otherwise financially strong banks but weak operational controls (frauds) bother me somewhat. You may want to apply your own discretion.
RBI has asked Banks to clean up their B/S by March17. SBI always sets its own targets ahead of RBI deadlines- I’m expecting SBI to fully provision its bad debt latest by Dec16 (could be early). ICICI may accomplish this even sooner.