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Fundamentals February 15, 2013


Nik's Diary
The Indian market opened flat to positive, mirroring SGX Nifty which is trading marginally higher in the opening trades. Other Asian markets had a mixed opening today with markets remaining alert for G-7/G-20 meeting. The US markets ended mostly higher after a lackluster performance through the day. Reports showing contractions in fourth quarter GDP in Germany, France, and Japan led to renewed concerns about the global economy. German GDP fell by 0.6% in the fourth quarter, while French GDP dropped by 0.3; both decreases were slightly steeper than expected. A separate report showed that Japanese GDP edged down by 0.1% in the fourth quarter compared to economists’ estimates of a 0.1% growth. However, an upbeat jobs report from the US helped to offset the negative sentiment, with the Labor Department report showing that initial jobless claims fell to 341,000, a decrease of 27,000 from the previous week's revised figure of 368,000. Meanwhile Indian markets fell in yesterday’s trading session as concerns over high current account deficit and caution ahead of the upcoming Union Budget overshadowed data showing continued moderation in inflation (6.62%). 

WPI inflation at a three-year low
Wholesale price index (WPI)-based inflation fell to 6.62 per cent in January, the lowest since December 2009, even as surging onion prices saw food inflation soaring to 11.88 per cent, according to data released by the Ministry of Commerce and Industry on Thursday. January was the fourth consecutive month when WPI inflation fell. In December 2012, it stood at 7.18 per cent, while food inflation was 11.16 per cent. Onion prices rose 111.52 per cent in January, against 69.24 per cent in December. As food items have a weight of about 50 per cent in the consumer price index (CPI), against about 20 per cent in WPI, divergence between the two indices widened further in January. Analysts said it was difficult to decide which barometer should be used to ascertain price pressures. CPI-based inflation had risen from 10.56 per cent in December to 10.79 per cent in January, data provided by the Ministry of Statistics and Programme Implementation showed. After nearly converging in January 2012 (when WPI inflation was 7.23 per cent and CPI inflation 7.65 per cent), now, there is a difference of about four percentage points in the indices. Soumyakanti Ghosh, chief economist, Federation of Indian Chambers of Commerce and Industry, said the gap between the indices was widening because of different weights of food items in the two indices. “Food prices were not that high in January 2012. But prices have gone up significantly in the last one year,” he said. Last month, WPI-based food inflation was 11.88, while according to CPI, it stood at 13.36 per cent. In January 2012, WPI-based food price inflation was 6.55 per cent; according to CPI, it was 4.11 per cent. Prime Minister’s Economic Advisory Council Chairman, C Rangarajan, said inflation would decline to 6.5 per cent by March-end. “Retail inflation is still high. WPI inflation in primary and food articles is still high. Efforts should be made to release larger stocks of food articles into the market,” he said. Arun Singh, senior economist at Dun & Bradstreet, said the fall in WPI inflation was a signal to the Reserve Bank of India (RBI) to cut interest rates in March. “Food inflation is in double digits in both the indices. CPI inflation is high, largely because inflation in primary items is higher. This is basically a structural issue. In manufacturing goods, which indicate demand-driven price pressures, inflation is lower than five per cent.” In its January 29 policy review, RBI had cut policy rates, after WPI inflation declined. RBI’s inflation projection for the current financial year is 6.8 per cent. As the government raised diesel prices in January, inflation for the fuel rose to 15.02 per cent, against 14.60 per cent in December. For fuel and power, which have a weight of 14.91 per cent in the index, inflation stood at 7.08 per cent, compared with 9.38 per cent in December. Planning Commission Deputy Chairman Montek Singh Ahluwalia said, “Inflation is still above the comfort level. It should come down further.” Petrol prices rose seven per cent, while light diesel oil became seven per cent cheaper. For manufactured products, which have a weight of 64.97 per cent, inflation fell to 4.81 per cent in January from 5.04 per cent in December, explaining why overall WPI inflation fell last month. WPI inflation in the April-January period stood at 5.09 per cent; for the corresponding period of the previous financial year, it was 6.15 per cent. Planning Commission Deputy Chairman Montek Singh Ahluwalia said, “Inflation is still above the comfort level. It should come down further.” Aditi Nayar, senior economist, Icra, said the moderation in inflation and the weak industrial performance in January would increase the likelihood of monetary policy easing in the next mid-quarterly policy review. “The initial data for headline inflation for January 2013 was lower than our expectations (7.1 per cent), which had factored in a sharper revision in the sub-index for diesel, reflecting the upward revision in retail and bulk diesel prices. It is likely inflation for January may subsequently be revised upwards.” she said. Source: Business Standard

MM to increase its stake in SYMC by ~3% to 73%
Auto major Mahindra & Mahindra (M&M) today said it will invest 80 billion Korean Won (about $73.73 million) on its Korean subsidiary Ssangyong Motor Co (SMC), through subscription of a preferential allotment. The board of SMC at its meeting today approved of a third party allotment (Preferential Offer) to the company (M&M) of 1,45,45,455 equity shares at an issue price of 5,500 Korean Won per share for an amount aggregating around 80 billion Korean Won. "The company (M&M) has decided to subscribe to the aforesaid offer and invest an amount aggregating around 80 billion Korean Won (equivalent to around $ 73.73 million at the current rate of exchange)," the company said in a filing to the Bombay Stock Exchange (BSE). The said preferential offer would result in an increase in the paid-up capital of SMC by 11.9 per cent and increase in M&M's stake in SMC to 72.85 per cent from 69.63 per cent. The said issue would facilitate improvement of the financial structure of SMC and proceeds of the issue would be utilised by SMC for new product development and strengthen its competitiveness, the company added. Commenting on the development, M&M president automotive and farm equipment sectors, Pawan Goenka, who is also the chairman of SMC board, said: "This paid-in capital increase reflects Mahindra's strong commitment to support Ssangyong Motor in its efforts to achieve an early turnaround. "By expanding investment in Ssangyong and creating tangible synergy in various areas such as sales, product development and sourcing, we will continue to increase our global competitiveness." Ssangyong CEO, Lee Yoo-il, said the decision on paid-in capital increase will enable the company to secure necessary investment funds and at the same time, strengthen its financial position. "Furthermore, as we carry out the investments in new models, including a small CUV, our product development will also gain momentum," Mr Yoo-il added. Source: NDTV

SBI - RU3QFY2013
State Bank of India reported subdued operating performance for 3QFY2013, as its net interest income (NII) and operating profit declined by 2.7% and 4.2% yoy, respectively. The bank has been aggressive in cutting its lending rates, so the decline in NII, was in-line with our expectations. The bank witnessed continued pressures on the asset quality front, as elevated slippages and sequentially lower recoveries/ upgrades resulted in 8.6% sequential increase in gross NPA levels, with net slippages being about `800cr higher than our estimates. As a result, in spite of slightly higher provisioning expenses than estimated by us, provisioning coverage ratio declined by about 130bp sequentially. At the current market price, the stock is trading at 1.4x FY2014E ABV (adjusting for value of subsidiaries 1.3x FY2014E ABV) vis-à-vis its historic range of 1.3–2.3x and median of 1.6x. Source: Angel Broking

Tata Motors - RU3QFY2013
For 3QFY2013, Tata Motors (TTMT) bottom-line performance was significantly lower-than-expected led by higher depreciation expense (up 29.8% qoq), forex  loss of `174cr and higher tax rate (at 38.7% as against 32% in 2QFY2013). The top-line performance too was lower-than-expected due to unfavorable product-mix at Jaguar and Land Rover (JLR) and standalone operations which resulted in a sequential decline in net average realization. The standalone operations posted a loss (adjusted) of `450cr, against our expectations of a loss of `25cr, primarily on account of dismal operating performance (EBITDA margins deteriorated to 1.4% on higher discounts and marketing spends in the passenger vehicle and medium and heavy commercial vehicle business and lower utilization levels). The consolidated top-line registered a modest sequential growth of 6.2% to `46,090cr, which was below our estimates of  `49,094cr on account of lowerthan-expected top-line in the JLR and standalone operations. The JLR top-line (up 15.7% qoq) was impacted mainly due to 5.5% qoq decline in net average realization led by unfavorable product-mix (higher share of  Evoque and Freelander). The standalone top-line (down 14.8% qoq) too was below our estimates on account of inferior product-mix (higher share of light commercial vehicles) and higher discounts leading to a 7.9% qoq decline in net average realization. On a sequential basis, consolidated EBITDA margins stood flat at 12.3% (lower than our estimates of 12.8%) which led to  a 6.1% growth in operating profit to `5,657cr. The EBITDA margins at JLR declined 80bp sequentially led by inferior product-mix and higher marketing costs related to the launch of the new  Range Rover. On the standalone front, EBITDA margins contracted sharply by 387bp qoq to 1.4% due to adverse volume-mix, lower utilization levels and higher discounts and marketing spends in the passenger vehicle and medium and heavy commercial vehicle business. However, adjusted net profit declined 13.6% qoq (49.5% yoy) to `1,801cr, lower than our expectations of `2,865cr, on account of higher depreciation expense (up 29.8% qoq), forex loss of `174cr and higher tax rate (at 38.7% as against 32% in 2QFY2013). Source: Angel Broking

GAIL - RU3QFY2013
GAIL’s 3QFY2013 result was above our expectations. The company’s top line grew by 10.8% yoy to  `12,474cr (above our estimate of  `11,986cr) mainly due to higher than expected performance from  Petrochemicals and Natural gas trading segment which grew by 26.1% and 10.6% yoy to  `1107cr and  `10118cr respectively. The company’s fuel subsidy burden stood at  `700cr in 3QFY2013, compared to `536cr in 3QFY2012 and `786cr in 2QFY2013. The petrochemical and LPG segment EBIT grew by 13.4% and 93.8% yoy to  `439cr and  `592cr, respectively. However, natural gas trading and LPG transmission EBIT decreased 7.5% and 82.9% yoy to `299cr and `13cr, respectively. However GAIL’s EBITDA improved by 16.4% yoy to `2,049cr in 3QFY2013 and EBITDA margin improved by 79bp yoy to 16.4% and therefore the company’s net profit increased by 17.6% yoy to `1,284cr (above our estimate of `1,147cr). Source: Angel Broking

DLF - RU3QFY2013
For 3QFY2013, DLF reported disappointing set of numbers both on revenue and profitability front. On the top-line front, DLF’s revenue decline by 35.8% yoy to `1,310cr in 3QFY2013; which was below consensus estimate of  `2,040cr. EBIDTAM came in at 6.6% in 3QFY2013 which was significantly below street estimate of 36.6%. However, owing to surge in other income mainly due to asset sale company reported a PAT of  `285cr for the quarter, indicating a growth of 20.2% yoy. We will come out with a detailed note a conference call with the management. Source: Angel Broking

DRL - RU3QFY2013
DRL came out with results higher than expectations. The company, is expected to post a 23% yoy growth (adjusted for the base effect) to end the period at `2,870cr, while the net profit came in Rs364cr, which dipped 39.1% yoy. The sales growth (adjusted) came in back of global generics of 24% yoy, primarily driven by North America and Emerging markets. Both the net sales and profit came in higher than expectations. The OPM came in lower than expected at 19.9% (V/s 20.7% expected). Source: Angel Broking

LIC Housing - RU3QFY2013
LIC Housing Finance reported disappointing set of numbers for 3QFY2013, as growth in its net interest income, came below expectations at 11.3% yoy. Operating profit growth came in moderate at 8.0% yoy. Provisioning expenses for the bank jumped up to  `32cr during the quarter, which was much higher than ours as well as consensus estimates and hence earnings declined by 22.7% yoy. At CMP,  it  trades  at  valuations  of  1.8x  FY  2014E  ABV.  We  await  clarity  from  the management about the quarterly performance and the future outlook. Source: Angel Broking

HDIL - RU3QFY2013
For 3QFY2013, Housing Development & Infrastructure ltd (HDIL) reported mixed set of numbers with revenue coming in above street expectations but owing to lower-than-expected EBITDAM, earnings were below consensus estimates. On the top-line front, HDIL reported revenue of `423cr in 3QFY2013 indicating a decline of 0.6% yoy but was ahead of street estimate of  `325cr. EBITDAM improved by 1111bp yoy to 49.1% for the quarter, and was below consensus estimate of 74.1%. Interest cost came at  `23cr, indicating a growth of 21% yoy. The company’s PAT declined by 31.1% yoy to  `107cr (against consensus estimate of `154cr) in 3QFY2013. Source: Angel Broking


















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