1. Provision for bad debts 1.49B /= (income statement)
2. Total non performing loans 17.8B /= (balance sheet)
Number 2 above is contributing to an interest in suspense of 6.96B/=
The net interest income is high because 40% of customer deposits are in savings accounts --- not sure if this is high or low??
1. FX gain due to rupee depreciation. Is it one off? Rupee forward market is now corrected
2. Also the impact of holding 25% of total assets in govt securties due to lending restrictions.
But don't limit the discussion to the above points. COMB is a good stock.