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MNBBL

Those days, we fought to save NEPSE now grown up to 1500 and growing.

Life and general insurances are waiting for right, bonus, fpo announcement.

Micro are waiting for NRB circulation.

And rest are going through mild off season.

I am in WAIT AND WATCH mode.

Any views, suggestions fellow Investors and traders.

Welcome dear Rising sir !
I want your remarks here as well!
Particularly Im curious to know about capital ratio of these general insurance stocks.
Do yo have any idea???
After shikhar PIC is going to announce FPO?
How many others has to ?

Many Thanks MB Ji.

Dear गुन्द्रुक !
Of course ! I have already posted the data in facebook share forum...plz go there and see.

Comparative anlysis between SIC and SIL:

Paid up approach:
sic has 35.6 karod ,after 23.75 % bonus it will be 44+ karod.
sil has 27.58 karod,after 25% bonus it will be 34.5 karod.
This shows that sil has to increase higher % of paid up to meet certain level of (say 2 arba each) paid up ! So sil has to give higher % of bonus/right.In this regard SIL is better.

Reserve Approach :
sic has 19 karod(decreasing trend comparing to its previous reserve) where as sil has 20 karod(increasing trend).This approach also favours the sil.
Insurance Fund approach:
sic has 30 karod whereas sil has 24 karod ! sic is better in present ! But this fund is directly related with net profit (50% profit should be provision on this heading) sil has higher profit so sil could win.

Emergency Fund:
sic has 2 karod but sil has zero. Definately sic in this heading.

Net profit approach:
sic has 3 karod whereas sil has 6, definately sil preferable!

Premium collection approach:
sic has 48 karod whereas sil has 51 karod,sil better.

Insurance Policy issued (no) approach:
sic has 20,536 whereas sil has 44926,sil better.

Renewal of policies approach:
sic had 16299 whereas sil has 11681,sic better.

Total policies approach:
sic has 36835(current +renewal) whereas sil has 56500+,sil better.

Paid claim /unpaid approach:
sic has paid 50 karod,unpaid 173 karod ,more than 3 times unpaid.
sil had paid 43 karod ,upaid 87 karod , only 2 times.,sil is better.

EPS Approach:
sic has 18% annualised,after 23.75% bonus adjustment it will be below 14%
sil has 44% annualised after 25% bonus adjustment it will be 35%
,definitely sil.

p/e approach:
sic 69 before based on annualised eps(after 23.75% bonus it could be around 90 at yesterdays closing price)
sil has 31 based on annualised eps(after 25% bonus it could be just 39)sil is better.

Market price yesterday :
sic 1250
sil 1363. sic better.

Conclusion and recommendation:
Definately SIL is better option till the date!

Note: data are rounded off,plz correct me where I mistook.Check other factors as well !

Yes please MB Ji share with US.

But this year, due to the earthquake, general Insurance BS wont be real.

Hi M.B. Would like to see some of the analysis you have done if you are open to sharing.

I spent 5 hours non stop to analyse Q2 reports of non life insurance stock...
This time I focused in p/e along with other factors....
...a comparative study of fundamental factors....
I can provide you if you wish...its written in a page ....dear Rising sir!

Yes ! Of course!
But not so much demand in sic.
...why investor are afraid up....
Im excited with sicl ,nlg profit.....
I see still huge profit in non life insurance...rather than in c. bank dear rising sir!
Lets see.....

It looks like SIC is just trying to increase MB ji to me

PIC......no no no.....It was unavailable....

200 kitta NIL and 250 kitta SIL......welcome in my portfolio...

I realised now....Im trader....very short term..

Booked profit..bye bye SIC.
Booked profit...bye bye CCBL except bonus and right!

Happy now bcz I had changed portfolio
nbb to sicl......

Now I really lake of pic.....

Dear Shooting sir!
Thank you very much!
You have exactly caculated profit margin and period.
Im really in dilemma with which one to go!

You are curious! Im requesting suggestion😁😁😁।
I will go out of these :
c bank:
czbil(bull run has started..I guess it will touch 700 this week,5% profit could come!
scb:it could be for long term if price falls!Bonus/right approach.
nica:bull run has not started!But possible!Has to watch TA.

General insurance :
pic/nil/sil/prin/uic/picl....quite confusing (I deserve sicl,sic,nlg)

Micro finance:
ngbbl if price falls to 600 below mostly waiting this script...it will touch 1200 within this fiscal year.
skbbl,cbbl,swbbl
d.bank
edbl,fbbl(if price falls),gbbl.
Im puzzled ....
I need concrete suggestion !

saugat ji ,
so you booked 42% profit in 4-5 days ,that's a fantastic ,well done.
Your entry and exit was perfect . i tried to buy seti finance ,no seller and now it already hit near 10% up 3 days in row . And it 2 quarter report is also not good ,only 4.5 eps ,less net profit , NPL increased ,, So risk is higher in compare to profit . it takes at least 4 days to buy and sell one stock. this stock is definitely not for mid or long term. Very short term max 1 week and it's risk is getting higher .
So what will you do saugat ji , since you have sold NGBBL ,hhaha i am curious good luck.

Its okay dear Rising sir!

Hello M.B ji, not particular, may be Micros.

Good morning Rising sir!
Thank you very much for your response!
I ordered seti finance yesterday because it is giving 14% bonus and 1:1.5 right ! But it is not available in the market!
Have you any stocks in your eyes? Plz plz suggest me!

Dear Shooting sir!
Im missing your comments as well.

MB Ji, Congratulations.

ADBL looks like gambling to me. Consult others too.

Dear Rising sir!
Welcome back !
Thank you very much sir!
Today I booked profit in ngbbl.
Sold@765 , I will add it back if it falls around 650.
I want to go with adbl for short term !
Plz suggest me if you are looking !

MB ji, grameen 800 bata back bho. I think after fourth quarter 1200+

1300 Great

1350-1400 this year

1600+ next year

Dear Shooting sir!
Thank you very much for beautiful comment!
Yesterday I added more kitta of sanima bank@740.
Now I have equal kitta of sanima to ngbbl ie just 300/300.
I had purchased ngbbl@535.
Im frequently watching market depth!When supply will start increase I will book profit in ngbbl but I think it is going to do better,after huge merge it takes time to be improved.

One of the best stock for big player NGBBL- a very good job by big player, Just like in NBL.
In this unstable stock , somebody is going to cry . This stock is only for those who can take a high risk and can able to book profit very quickly within 1-2 week max. Must have proper short term strategy skills. i highly not recommend this stock for safe ,passive and long term good investor .
At new current 10% up price 598 ,think twice before you buy this stock. its your choice ,after all its your money. good luck.

आदरणीय राईजिङ्ग सर!
ग्रामीण बिकास बैंकको मार्केट depth मा demand (३०सौ हजार)हेर्दा लाग्छ यस्को मुल्य ८०० पुग्न कसैले रोक्न सक्ने वाला छैन!
कारोबार भएको देखेर आज पनि केही कित्ता किन्न खोजेको seller नै छैन!
ठुलो कारोबार पनि matching मा भएको रहेछ!
कालिकाको बुझ्नु भयो कि? आज सबैजसोको मूल्य बढदा पनि कालिकाको खास सुधार देखिएन!

I don't know what types of effect will be there of capital rise of micro finance!

Im sorry to say about Kalika.....
One of bigger shareholders of sworojgar laghubitta (10,000+kitta holder) told me that kmcdb's 5 Karod rupees investment is badly in trouble in Nawalparasi !He recommended me to sell immediately whatever loss is there!
I don't know the fact!
If you have inside info of Kalika plz try to verify!
I quitted Kalika with some loss!