Operational & Financial Ratios
Earnings Per Share (Rs)
6.99
5.24
3.39
2.27
1.26
DPS(Rs)
2.10
1.50
1.00
0.00
0.00
Book NAV/Share(Rs)
46.26
39.01
34.52
30.87
28.39
Yield on Advances
13.23
14.01
12.65
13.36
15.56
Cost of Liabilities
4.32
4.15
3.41
3.69
4.63
NIM
3.85
4.31
3.92
3.58
3.49
Interest Spread
8.91
9.86
9.24
9.67
10.93
ROA(%)
1.94
1.62
1.15
0.81
0.45
ROE(%)
16.39
14.25
10.37
7.66
4.68
ROCE(%)
16.44
15.74
11.49
9.16
7.33
Cost Income Ratio
43.33
46.10
44.72
45.89
46.23
Core Cost Income Ratio
45.21
48.04
47.49
49.75
52.97
Operating Costs to Assets
2.06
2.26
2.14
2.11
2.03
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
11.11
15.44
13.28
18.87
30.49
PCE(x)
10.38
14.10
11.69
16.13
23.65
Price/Book(x)
1.68
2.07
1.30
1.39
1.36
Yield(%)
2.70
1.85
2.22
0.00
0.00
EV/Net Sales(x)
3.58
3.94
2.97
3.30
2.88
EV/Core EBITDA(x)
9.33
10.85
6.99
8.05
8.15
EV/EBIT(x)
4.16
5.09
4.25
4.74
4.16
EV/CE(x)
1.49
1.76
1.23
0.20
0.19
M Cap / Sales
2.89
3.29
2.35
2.52
2.08
Core Operating Income Growth
3.10
24.11
24.75
7.49
22.16
Net Profit Growth
33.39
54.57
49.43
79.43
110.55
BVPS Growth
18.57
13.02
11.82
8.73
7.10
Advances Growth
15.79
16.03
18.70
6.87
-1.30
EPS Growth(%)
33.39
54.57
49.43
79.43
110.18
Cash / Deposits(x)
0.07
0.05
0.07
0.12
0.06
Investment / Deposits(x)
0.38
0.41
0.39
0.36
0.35
IncLoan / Deposits(x)
6.41
6.15
4.95
6.15
6.89
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.15
0.34
0.92
1.27
1.97