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@MaliknitinNitin "The China-US trade war is making India's manufacturing opportunity tough to navigate. Rare Earth Elements controls"
X Link @MaliknitinNitin 2025-10-16T05:15Z XXX followers, XX engagements

"Bandhan Bank XXX (Asset Strategy Update March 2025): - Microfinance (Priority Lending) had a challenging year with asset quality below expectations. - The Bandhan team should prioritize maintaining asset quality"
X Link @MaliknitinNitin 2025-10-12T09:01Z XXX followers, XXX engagements

"Banks (e.g. Bandhan Bank and IndusInd Bank) hold a significant share of the microfinance industry asset book but show mixed overall performance. Some hypothesis - Lack of focus - Internal culture clash between MFI and non-MFI business - Low Risk tolerance - Lack of significant economies of scale - Diseconomies perhaps"
X Link @MaliknitinNitin 2025-10-12T06:15Z XXX followers, XXX engagements

"Why top-performing microfinance players like Ujjivan Small Finance Bank must learn from and respect top-tier fintech players like Navi Finserv"
X Link @MaliknitinNitin 2025-10-15T03:15Z XXX followers, XXX engagements

"Humility in Investing: RBL Bank: Emirates NBD in advanced talks to acquire a majority stake following a massive rally last year. IndusInd Bank: Treasury frauds possibly dating back to 2017 or earlier revealed by emails caused significant shareholder value loss last year"
X Link @MaliknitinNitin 2025-10-13T16:44Z XXX followers, XXX engagements

"Good coverage of microfinance dynamics in India. Three additional points: X. Microfinance industry does not operate in a bubble: frictionless fintech loans are a major force now. X. Too many cooks in small microfinance kitchen: more than XXX players in $41B industry. X. Timing of the article is after the fact and industry is hopefully on the mend"
X Link @MaliknitinNitin 2025-10-18T06:17Z XXX followers, XX engagements

"Possible Playbook for Bandhan Bank (becoming HDFC Bank may be a long process but as a bank it should be much ahead of HDB Financial in diversification and risk management) - HDB Financial has maintained much better asset quality - HDB Financial has diversified well in both products and geography"
X Link @MaliknitinNitin 2025-10-16T03:17Z XXX followers, XXX engagements

"Bandhan Bank XXX Asset Strategy: (1/n) In my opinion this is where leadership of Mr. Partha Pratim Sengupta would make significant difference. Bandhan Bank vs HDFC Bank GNPA by sector"
X Link @MaliknitinNitin 2024-12-28T05:52Z XXX followers, 1908 engagements

"AU Small Finance Bank Ujjivan Small Finance Bank and Jana Small Finance Bank may have emerged stronger from the current Microfinance downcycle"
X Link @MaliknitinNitin 2025-10-12T03:31Z XXX followers, 1351 engagements

"RBI allows small finance banks to offer pre-sanctioned credit line on UPI - December 2024 .Hopefully this sparks a competitive spirit amongst small finance banks in India to have best-in-class digital apps for credit"
X Link @MaliknitinNitin 2024-12-11T09:26Z XXX followers, XXX engagements

"Bandhan Bank 2.0: Areas of Improvement (Investor Communication to Enhance Stakeholder Trust) As late as October XX 2024 Bandhan Bank's Interim CEO presented an optimistic outlook: - Credit Cost: XXX% to X% - Advances Growth: XX% Source:"
X Link @MaliknitinNitin 2025-10-12T10:07Z XXX followers, XXX engagements

"Why Bandhan Bank should study HDB Financial and emulate its best practices: - Market gives 3x P/B multiple to good-quality non-prime lenders - Market currently gives 1x P/B multiple to Bandhan Bank"
X Link @MaliknitinNitin 2025-10-16T03:25Z XXX followers, XXX engagements

"Digital Fintech Lending is a Force to be recokoned with (Bharat Microfinance Report 2025) - Fintech NBFCs may have crossed X lakh crore AUM - XX% of Fintech Loans may be less than 50K - Over 2/3rd of the sanction value went to borrowers below age of XX JLG Model is high friction compared to Fintech digital model Would a customer pay extra 1%-2% in interest for ease of convenience at the push of the button"
X Link @MaliknitinNitin 2025-10-15T03:24Z XXX followers, XX engagements

"L&T Finance Svatantra Microfinance CreditAccess Grameen Satin Creditcare may have emerged stronger from the current Microfinance downcycle"
X Link @MaliknitinNitin 2025-10-12T03:20Z XXX followers, XXX engagements