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Diamond Trust Bank Q3 Results review
stocksmaster
#21 Posted : Thursday, November 11, 2010 5:25:50 PM
Rank: Member

Joined: 9/26/2006
Posts: 463
Location: CENTRAL PROVINCE
mwanahisa wrote:
wangugi wrote:
@vituvingi, I agree with you but guys should not over celebrate the 100% + growth, DTB is not very aggressive in their core business, interest income grew by only 13.5% actually if you remove the 1 b they made from bonds profits will remain flat if not decline


And even on this point, the facts do not bear you out.

PBT Minus Other Income (assuming it's all bond trading profits) grew by 27%. We can hardly call that flat. After all, SCBK grew their PAT by 17% vis-a-vis Q3 2009. It's still trading on a forward PE of 12.75.


@ Mwanahisa: Good point.

It is not only DTB that was trading in bonds within the Banking Sector. All banks owe part of their good performances this year also to the same activity (bond trading). Its only that DTB seems to be better than most at this activity.

For sustainability of growth , the loan book seems to be growing well and the Ksh 2B they got recently will further enhance growth in the loan book.

If you use the Wazua performance calculator and go back six to seven years, you will realise that DTB is one of the companies that has delivered the highest capital gains over time. Its ability to sustain a growth momentum should not be in question especially if the economic upturn continues next year.

The fact of the matter is that at current prices, this share is a definite buy in comparison with other banking stocks. I will be surprised if the share does not trade in the 150-160 levels in the coming few weeks of November.

Happy hunting.
x handle: @stocksmaster79
stocksmaster
#22 Posted : Thursday, November 11, 2010 5:27:28 PM
Rank: Member

Joined: 9/26/2006
Posts: 463
Location: CENTRAL PROVINCE
mwanahisa wrote:
wangugi wrote:
@vituvingi, I agree with you but guys should not over celebrate the 100% + growth, DTB is not very aggressive in their core business, interest income grew by only 13.5% actually if you remove the 1 b they made from bonds profits will remain flat if not decline


And even on this point, the facts do not bear you out.

PBT Minus Other Income (assuming it's all bond trading profits) grew by 27%. We can hardly call that flat. After all, SCBK grew their PAT by 17% vis-a-vis Q3 2009. It's still trading on a forward PE of 12.75.


@ Mwanahisa: Good point.

It is not only DTB that was trading in bonds within the Banking Sector. All banks owe part of their good performances this year also to the same activity (bond trading). Its only that DTB seems to be better than most at this activity.

For sustainability of growth , the loan book seems to be growing well and the Ksh 2B they got recently will further enhance growth in the loan book.

If you use the Wazua performance calculator and go back six to seven years, you will realise that DTB is one of the companies that has delivered the highest capital gains over time. Its ability to sustain a growth momentum should not be in question especially if the economic upturn continues next year.

The fact of the matter is that at current prices, this share is a definite buy in comparison with other banking stocks. I will be surprised if the share does not trade in the 150-160 levels in the coming few weeks of November.

Happy hunting.
x handle: @stocksmaster79
guru267
#23 Posted : Thursday, November 11, 2010 6:02:33 PM
Rank: Elder

Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
DTBK just looks too juicy to me up to 150... I've spent the better part of of the day doing research and I love its strategy, market diversification, growing loan book and sound management... i'm kicking myself for not getting in at 100...

I just pray that the market doesn't notice the results for one more week so I can get in big... Pray But from today's volumes it seems they've seen what i've seen
Mark 12:29
Deuteronomy 4:16
youcan'tstopusnow
#24 Posted : Friday, November 12, 2010 7:49:13 AM
Rank: Chief

Joined: 3/24/2010
Posts: 6,779
Location: Black Africa
guru, yep. Volumes yesterday were huge Below 130 still looks very juicy
GOD BLESS YOUR LIFE
ProverB
#25 Posted : Friday, November 12, 2010 12:51:24 PM
Rank: Veteran

Joined: 3/12/2010
Posts: 1,199
Location: Eastlander
wangugi wrote:
@vituvingi, I agree with you but guys should not over celebrate the 100% + growth, DTB is not very aggressive in their core business, interest income grew by only 13.5% actually if you remove the 1 b they made from bonds profits will remain flat if not decline


Serious?
Could you look at books of stanchart historically? since Etemesi took over? infact even before..while he was still under finance smile

At the end of the day banking is all about interest income..whatever the source..private,public or bonds/bills..the less the risk on the loan book the better..what risk do you attach on bonds? Common sense approach.

DTK has taken a well tried and proven path. and with vision 30..all those crazy budgets from ministry of finance that need financing.. any bank would be just down right greedy to ignore bonds/bills

..Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven...Matt5:16
- 1769 Oxford King James Bible 'Authorized Version
sparkly
#26 Posted : Friday, November 12, 2010 1:29:28 PM
Rank: Elder

Joined: 9/23/2009
Posts: 8,083
Location: Enk are Nyirobi
It is the nature of human beings to be excited by stocks as prices rise. Bright people bought in the 70-80 range.
Life is short. Live passionately.
stocksmaster
#27 Posted : Friday, November 12, 2010 3:59:17 PM
Rank: Member

Joined: 9/26/2006
Posts: 463
Location: CENTRAL PROVINCE
sparkly wrote:
It is the nature of human beings to be excited by stocks as prices rise. Bright people bought in the 70-80 range.


The bright people bought at par value. Since this is not practical, the intelligent investor has to constantly evaluate the fundamentals and compare them with the sector fundamentals in order to pick value stocks.

The current steady gradual rise in share price is good because the rise is now guided by fundamentals and market dynamics of demand and supply rather than the rapid rise which is characteristic of speculative rises.

Happy hunting.

x handle: @stocksmaster79
guru267
#28 Posted : Friday, November 12, 2010 4:19:09 PM
Rank: Elder

Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
I didn't make any move on this counter in case it raced too fast but since my roof for purchase is 140 on Monday I get in big time... It will be a purely fundamental purchase... then I'll wait for the foreigners to come back for next years rally smile
Mark 12:29
Deuteronomy 4:16
VituVingiSana
#29 Posted : Friday, November 12, 2010 5:18:36 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,354
Location: Nairobi
@stocksmaster - If DTBK was ever sold at par then it was way before my time!!!
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
polymer1
#30 Posted : Saturday, November 13, 2010 12:44:14 AM
Rank: New-farer

Joined: 6/22/2010
Posts: 16
Location: Westlands
guru267 wrote:
I didn't make any move on this counter in case it raced too fast but since my roof for purchase is 140 on Monday I get in big time... It will be a purely fundamental purchase... then I'll wait for the foreigners to come back for next years rally smile


I doubt foreigners will be buying by the bucket next year given 2012 metrics to get you the rally.
There is nothing like making money, you have to earn it.
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