BC BUSINESS
Saved by @Mollyycolllinss

Financials are strange businesses. On a sale, money goes out from the pocket rather than coming in.

Growth comes first. NPA comes later.

Aavas Financiers says: “What Kills Others Makes Me Strong”

Buckle yourself up as we’ll take you through the 19-20 AR

 1/

Challenges for Aavas:

~People, Process & Branch intensive
~Caters to Tier2 to Tier 6 towns
~Underwriting difficult
-Lack of docs
-No CIBIL records
-Mostly catering to EWS and LIG category

Now let’s run past the AR to find the cues to their success
2/

Aavas Financiers

A Fast-growing Small Housing Finance Company in a Large Growing Housing Finance Market in India

A Fast-growing Small Fish in a Large Growing Pond
3/

~The Chairman
~The CEO
~The CFO

See what they say
4/

~Strategic Objectives
~Credit Risk Appraisal Framework
~How Aavas is Being Different
5/

How Aavas’ customer accretion helps build a lower-cost company
6/

How Aavas is Making a Difference

Part 1
7/

How Aavas is Making a Difference

Part 2
8/

How Aavas has built its business over the years
9/

2019-20 Performance Review
10/

~Sectoral Review

~Government Initiatives
11/

~SCOT Analysis

~Risk Mitigation Strategies
12/

Aavas is at that end of the market where big guys like HDFC, LIC HF, PNB HF, Repco etc will not bother to enter.

~Avg Ticket Size < 10 lacs
~Mostly in towns < 10 L pop
13/

Are you excited?

Wish to indulge more on Aavas?

Watch this video to know more about the CEO Mr. Sushil Agarwal and the business Model https://t.co/WNK1SWhOEJ

If you enjoyed this ride on the AR of Aavas, L&R for wider reach🙂

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Smart Sync Services
Smart Sync Services
@SmartSyncServ
Indian Energy Exchange, like a toll bridge, connects power generators with power consumers & distributors. The alternative to IEX like alternatives to toll bridges is more expensive bilateral agreements.

Fasten your seatbelts as we’ll take you through the 19-20 AR of IEX.


1/

Megatrends for Energy

~Decarbonization
~Decentralization
~Digitization
~Democratization


2/
Transformation in the energy sector
~Benchmark prices for all electricity transactions
~Transparent mechanism for price discovery
~High liquidity on exchange to ensure the lowest cost and assured supply


3/
Key points
~Customer Centricity driven by intuitive, secure, & responsive design
~Efficiency through efficient matching algorithms, automation, & low latency
~State-of-the-Art analytics-based solutions that are future-ready.


4/

IGX
~ Launched on 15th June 2020
~ India’s 1st nation-wide automated gas trading platform
~ Govt plans to increase the share of natural gas from 6% to 15% by 2022
~Enabler in making India transition towards a gas-based economy.
TRADING
SmartSyncServices.com
SmartSyncServices.com
@SmartSyncServ
Q1FY22 Result & Investor Concall Notes

IRCTC
IRCTCINFO
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Smart Sync Services
Smart Sync Services
@SmartSyncServ
25 Big Lessons From The Latest One Percent Show.

Let's Go!

@safalniveshak @iancassel

1. What matters the most to Ian?

Reading, writing, researching and networking/relationship. If he ticks all the four boxes regularly, he feels super productive and happy.

2. Learnings he got from his first mentor in the casino.

I. In your lifetime, you will own a dozen great stocks.
II. Bet small until you know that your betting right. Lean towards winners.
III. Everybody gets attracted to the winners.
IV. To win big, be ready to lose small.

V. If you can't build confidence, you won't be able to sell your idea to others.
VI. If you invest for a 2X, you must invest in a stock where the market thinks the stock can be a 3X.
VII. Speak to managements and make yourself likeable.

3. Eight filters for selecting a microccap

Top-Down

i Tailwinds
ii Scarcity
iii Story
iv Undiscovered

Bottom-up
i Recession-proof business
ii Balance Sheet strength
iii Intelligent Fanatic Leaders
iv Valuation
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SmartSyncServices.com
SmartSyncServices.com
@SmartSyncServ
Those who are interested in IEX should read this.

While the market size may grow a lot in the next decade, the government policy risk still stays.

Pic 1: PTC Q4FY21 call

Pic 2: PTC Q1FY22 call

https://t.co/eImnTNEZeX
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SmartSyncServices.com
SmartSyncServices.com
@SmartSyncServ
5 MIN STOCK IDEA

PI INDUSTRIES
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A THREAD on how most real estate folks structure deals with outside investors.

Most people utilize the "preferred equity" structure when they raise money from outside investors. They "syndicate" deals.

Here's the basics:

The person (or team of people) putting the deal together is the "sponsor". Also called general parter. Referred to on twitter as the GP.

They find the property, do all the work, hire the management company and take fees. They often co-sign debt and always secure the financing.

The investor is generally passive, doing no work and putting in cash. This is the "limited partner". Referred to on twitter as the LP.

They don't co-sign debt. They simply read reports and ask the sponsors questions and cash checks every month (if the deal is going well).

There are two equity classes.

"Preferred equity" belongs to the LPs. Cash talks, so this is a higher class of shares. They are first in the "capital stack" behind the debt (bank loan).

"Common equity" belongs to the sponsor. They are generally last in the capital stack.

Sponsors generally co-invest. That means they hold both equity classes. A 10% co-invest is standard.

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The American business community is speaking with a unified voice - NAM called to invoke the 25th Amendment; the Business Roundtable and Chambers of Commerce urge a peaceful transition of power; all have denounced last week's violence. What might this mean? A few implications:
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This isn't just PR - bad politics is bad for business. Here, the Harvard Business Review makes the business case for democracy (leading essay by

Historically, business has been a crucial ally for democracy. Mark Mizruchi shows how business helped secure democracy after WII, through organizations like the Committee for Economic Development (see also his @NiskanenCenter paper: https://t.co/xoqUUN1nCD)

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My book examines how business groups formed to lobby against patronage and corruption, and in favor of institutional reform, in the 19th c. (https://t.co/FnNhZUupBG)

For a summary of business’s role in American democracy over the 20th century, see

Today, corporations are cutting off PAC $$ — Wall St banks (JPMorgan Chase, Goldman Sachs, CitiGroup), big tech (Microsoft, Facebook). Many more corps have suspended donations to members of Congress who contested the certification of election results last week
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Sławomir Dębski...
@SlawomirDebski
There’s rumour about confidential negotiations btn the Biden admin and the German gov. Their goal: to find a way out of the mess in which the whole transatlantic community finds itself because of Merkel’s support for Putin’s pipeline—Nord Stream 2

2/ The preferred solution for the Biden team would be to deny Putin the ability to exercise energy blackmail against Central Europe and Ukraine, while at the same time foregoing sanctions against Germany.

3/ Early in his career, Biden’s Secretary of State Anthony @SecBlinken had analyzed the decision of the Reagan administration not to levy sanctions against West Europeans for building the Siberian pipeline with the Soviets.

4/ See for example:

5/ Reagan decided to take a step back, calculating that the unity of the West was more important than the gas pipeline. Not even Lady Thatcher supported Reagan’s policy.
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Big congrats to @nonfungibles on releasing their 2020 Annual Non-Fungible Tokens Report! @NathalieBcht, @latelier & I thoroughly enjoyed partnering with them on it: https://t.co/uNvX18GcQV.
Some key takeaways from the report & my personal observations a/t #NFTs. A long-ish 🧵👇:

MARKET SIZE: The NFT market had a historic 2020 - tripled in value, reaching $250m (in terms of value of all #Ethereum transactions on chain, so actual market size is even bigger). This is rapid growth for a space that’s just a few years old.


Market is still volatile & prone to speculation but more sophisticated use cases are emerging based on utility, community, competitive elements. All are prerequisites for a more mature market. For all the hype around crypto, it is #NFTs that offer some of the more promising uses.

USERS: # of users transacting NFTs is up. So is interest in NFTs more broadly - using Twitter activity as a proxy, the uptick in interest is clear & rose 5x in Nov 2017- Sept 2020 (similar trajectory for #DeFi btw). BUT it's important to remember this is still a niche ecosystem.


PROFIT: Some NFT #Traders are commanding profits in the 100s of thousands. Again, this is still a niche activity. There are high barriers to entry (incl. technological) for non-crypto enthusiasts + asset prices are going up very fast. It's still hard to price and value NFTs.
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Master Thread of all my threads!

Hello!! 👋

• I have curated some of the best tweets from the best traders we know of.

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• Go through this for super learning/value totally free of cost! 😃

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