Debt – No need.
Equity(QIP,rights issue,…) – Depends on the RoE profile of the bank. If bank’s post dividend PAT against equity at start of the period(RoE) is 25%, then no need. Because your Equity does not raise with the speed of the asset growth, then D/E starts inching up, after some point they will be forced to raise equity capital
See Gruh, they have grown at a crazy speed, but still have not raised equity capital for very long time. Main reason their RoE match loan growth
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