e-Nagar

December 4, 2006

Reliance Petroleum limited

Filed under: Investing — pegasus @ 5:20 PM

Reliance is expanding building up the largest refinery complex of the world at Jamnagar. In 2 years the refining should be up in full swing. I believe that investing in the company would be a wise decision. I today purchased 20k worth of shares myself.

Reliance invested in the company at 60/- a year ago. (and the IPO was also at the same price) So 65 is actually a good price.
With the crude price sky rocketing, the only way to keep the margins high is to process the crudest oil. The oil which no other refinery will accept is always available at throw away prices. Employing the latest technologies and due to the colossal size RPL has an undue advantage in processing such oil.

As the oil reserves gets depleted and prices rise, more and more poor quality crude wells would be drilled and they need refineries like Reliance to process.

Reliance has a good track record of thinking big, executing on schedule. They do shady deals, but they are known to share the profits with the shareholders.

Cons:
1)India is completely dependent on imports for majority of its oil needs.
2)The pricing on Kerosene, LPG and the cross-subsidies might make private refineries to look for export market (Read higher transport cost)
3)There is a 2 years of waiting period before revenue starts coming.
4)Stock Market is at Peak. So have a long patience (Read next summer)

Indian Bank IPO

Filed under: IPO — pegasus @ 10:10 AM

Chennai based Indian bank plans to have an IPO in order to sell 8,59,50,000 shares and raise about 800-900 crore. The IPO is expected to hit between 1 to 2nd week of January and is being floated to meet the Basel-II norms of capital adequacy.

Salient Points:
1) It has a infrastructure sharing agreement with Oriental Bank of Commerce and Mumbai-based Corporation Bank.
2) The bank did a business of 70,000 crore each year (a 17% growth over last year).
3) The profits rose last year by 38%, primarily due to 25% increase its credit and a 17% increase in deposits.
4) The bank has an authorized capital of 1,500cr, paid up capital of 343 crore, preferential capital of 400 cr, and has over 2,000 crore in reserves.
5) The Net interest margin of the bank is a healthy figure of 3.57% and its NPA is less than 0.45%.

More updates awaited when I get my hand of the detailed balance sheet and the price band of the IPO is finalized.

An hour of your time

Filed under: Cartoons, Thoughts — pegasus @ 6:21 AM

Sometimes we are so busy making money (careers) that we forget the very reason why we work.
how much your time cost

A man came home from work late, tired and irritated, to find his 5-year old child waiting for him at the door. “Daddy, may I ask you a question?”

“Yeah sure, what is it?” replied the man.
“Daddy, how much do you make an hour?”
“That’s none of your business. Why do you ask such a thing?” the man said angrily.
“I just want to know. Please tell me, how much do you earn in an hour?” pleaded the little boy.
“If you must know, I make $20 an hour.”
“Oh,” the little boy replied, with his head down. Looking up, he said, “Daddy, may I please borrow $10?”
The father was furious, “If the only reason you asked that is so you can borrow some money to buy a silly toy or some other nonsense, then you march yourself straight to your room and go to bed. Think about why you are being so selfish. I work hard everyday for such this childish behavior.” The little boy quietly went to his room and shut the door.

The man sat down and started to get even angrier about the little boy’s questions. How dare he ask such questions only to get some money?
After about an hour or so, the man had calmed down, and started to think: Maybe there was something he really needed to buy with that $10 and he really didn’t ask for money very often. The man went to the door of the little boy’s room and opened the door.
“Are you asleep son?” He asked.

“No daddy, I’m awake,” replied the boy.
“I’ve been thinking, maybe I was too hard on you earlier,” said the man, “It’s been a long day and I took out my aggravation on you. Here’s the $10 you asked for.”
The little boy sat straight up, smiling. “Oh, thank you daddy!” He yelled.
Then, reaching under his pillow he pulled out some crumpled up bills. The man, seeing that the boy already had money, started to get angry again. The little boy slowly counted but his money, then looked up at his father.
“Why do you want more money if you already have some?” the father grumbled. “Because I didn’t have enough, but now I do,” the little boy replied. “Daddy, I have $20 now.
Can I buy an hour of your time? Please come home early tomorrow. I would like to have dinner with you.”

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