Inve Blog · Topic
Banking
11 articles on banking.
How to Analyse a Bank Stock (NIM, CASA, GNPA, ROA)
How to analyse a bank stock in India: read NIM, CASA, GNPA/NNPA, PCR, credit cost, slippage, CRAR and ROA — and value a bank on P/B vs ROE, not on P/E.
How to Analyse a General Insurance Company
How to analyse a general insurer in India through its combined ratio, loss ratio, solvency, float and investment yield—and spot durable underwriting profit.
How to Analyse a Housing Finance Company (HFC)
How to analyse a housing finance company in India: read spread vs NIM, GNPA, LTV, cost of funds and borrowing mix to tell a real spread from a borrowed one.
How to Analyse a Life Insurance Company (VNB, EV, P/EV)
How to analyse a life insurance company in India — read APE, VNB margin, persistency, product mix, solvency and embedded value, and value it on P/EV, not P/E.
How to Analyse a Stock Exchange or Broker Stock
How to analyse a stock exchange or broker in India — read ADTO, active clients, market share, take rate and revenue mix, and price the regulatory risk.
How to Analyse an AMC Stock (AUM, Yield, SIP Flows)
How to analyse an AMC stock in India: read closing vs average AUM, equity mix, yield in bps, SIP flows, MTM sensitivity and opex-to-AUM before the cycle turns.
How to Analyse an NBFC Stock (NIM, GNPA, Credit Cost)
How to analyse an NBFC stock in India: read NIM, credit cost, GNPA staging, borrowing mix and capital adequacy to spot a cosmetic clean book before it breaks.
How to Value a Bank: Book Value, P/B, ROE, NIM
Value a bank on book value, P/B, ROE, NIM and asset quality — not P/E and EBITDA. A plain-English walkthrough using ICICI Bank's real numbers from India.
How a Bank Makes Money: CASA, NIM and Bad Loans
How does a bank make money? It buys money cheap and lends it dear. Learn CASA, net interest margin and the bad loans that sink banks, using HDFC Bank's numbers.
How Life Insurers Make Money: Float & Embedded Value
How life insurance companies make money: float, persistency and embedded value, not the P/E line. Learn to read an insurer like HDFC Life as an owner would.
NBFC Business Model: How a Money Wholesaler Works
How the NBFC business model works: borrow wholesale, lend retail, earn the spread. Why funding access is life-or-death, and what the 2018 IL&FS freeze revealed.