Morning Jewel-22.10.2020

 

  • ·         SBI has announced another 25 bps cut in rates below already multiyear low rates for retail loans. This is good for consumer demand its a negative for many smaller banks & NBFC's which don't have a cheap CASA funds profile Margins get squeezed while Asset Quality under pressure.
  • ·         When you are buying a stock trading at a PE of 120-150X you are essentially looking at accelerating growth over the next 3-5 years with improving profits. Highly unlikely in Avenue Supermarts .
  • ·         US adds $5 trillion to GDP every 10 years. GDP of United States 1990: $5.9 trillion 2000: $10.2 trillion 2010: $14.9 trillion 2020: $20.8 trillion.
  • ·         There will be a rotation from growth which has led for the last 10 years,into value . Value guys have got wiped out and are not heard of . Markets will bring them back when all have written them off . Saw it in 2000. Similar stage is set, waiting for the spark.
  • ·         The segments that may be worst affected due to COVID19 are  urban poor, informal sector workers & smaller informal enterprises. The challenge is in devising targeted scheme. Distributing benefits to these segments, and not fiscal space, is our principal challenge:
  • ·         1.6% of GDP is School Transportation . 33 Cr students are there and it represents 1.5% of GDP.
  • ·         2.0 Cr Tourists come every year; It will take more time before normalcy could return here. It has its lag effect on GDP as well.
  • ·         Construction is 85% back to normal.

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Morning Jewel-22.10.2020

  ·          SBI has announced another 25 bps cut in rates below already multiyear low rates for retail loans. This is good for consumer dem...