Deposit book stood at approximately Rs 20,000 crore as of 30 June 2020 compared to Rs 15,084 crore as of 30 June 2019,” Bajaj Finance said.Tough times ahead?As per brokerage firm ICICI Securities, the company’s agility and excellence will be put to test amid COVID 19 dislocation.The brokerage has kept Bajaj Finance unrated and raised the question if the company can navigate better given granularity (more than 1 lakh points of sale across nearly 2,400 locations), de risked portfolio, strong risk management (3 percent credit cost on 12 13 percent NIM profile), cost consciousness (3 4 percent opex, 33 35 percent cost to NII) and capital preservation (tier 1 at 21 percent, leverage 5 times).The stock trades at nearly 35 times FY20 earnings and 5.7 times FY20 book, ICICI Securities said.Brokerage firm Emkay Global has a ‘hold’ rating on the stock with a 12 month target price of Rs 2,150, citing the company has reported slowest AUM growth in the last 10 years.”Slowing growth (in spite of lower repayments) is an indication of relatively faster run down of book (with shorter maturity) and a steep cut in disbursements amid COVID 19 lockdowns,” Emkay said.Emkay highlighted that growth in new loans and overall customer franchise have come off sharply. Considering the cautious management approach, the declining trend is expected to continue even during Q2FY21 as well.”The AUM under moratorium (based on the count of customers) has declined from 27 percent as of April 30, 2020, to 15.5 percent as on May 30, 2020, which is a positive surprise. However, we also need to keep an eye on the overall trend in bounce rates (nearly 37 percent during Q4FY20) as well as the absolute quantum of moratorium pending, which would be a key aspect for the future provisioning requirement,” Emkay said.Motilal Oswal Financial Services has a ‘neutral’ rating on the stock with a target price of Rs 3,000 (4.2 times FY22E BVPS; implied 25 times PE FY22).Motilal said the sharp reduction in moratorium is a big positive in disclosures.
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canada goose uk outlet If you are already a subscriber, thank you for your support. If you looking to stay up to date on COVID 19, you can also sign up for our twice daily digest here.April 2 2020 3:00AMCoronavirus: How the ACT new COVID 19 laws will affect youIn a press conference, ACT Chief Police Officer Ray Johnson said that police officers will focus on educating the public on new measures, rather than penalising individuals for minor issues.”Our intention isn’t to fine people to drive enforcement that is an absolute last resort.”You may well be approached by police officers who will be asking you questions and provide guidance to you.”Johnson also commended the ACT community for their behaviour so far in the crisis.”The ACT community have been really responsive. The vast majority of people in the community are doing the right thing, and are trying to do the right thing all the time.”He also said clear or intentional violations of the law will be prosecuted.”If you think you are going to make a joke of this you are wrong,” he said.So if you jog just a little bit too close to someone else, you won’t get fined or arrested.What are the fines that people or businesses could face?The maximum fine an individual can face for going against these measures is $8000 canada goose uk outlet.
