Operational & Financial Ratios
Earnings Per Share (Rs)
85.15
80.55
31.13
42.43
21.50
DPS(Rs)
1.00
1.00
1.00
1.00
0.00
Book NAV/Share(Rs)
576.67
486.74
406.24
374.71
331.63
Yield on Advances
11.79
11.33
10.07
9.52
10.31
Cost of Liabilities
5.03
4.70
3.73
3.40
4.06
NIM
3.54
3.54
3.46
3.03
3.24
Interest Spread
6.75
6.63
6.35
6.12
6.25
ROA(%)
1.71
1.78
0.77
1.20
0.69
ROE(%)
16.04
18.07
7.98
12.03
7.06
ROCE(%)
13.71
14.25
8.95
9.16
6.86
Cost Income Ratio
47.11
48.68
66.51
48.83
44.27
Core Cost Income Ratio
48.31
49.92
66.20
50.26
45.34
Operating Costs to Assets
2.33
2.38
2.98
2.01
1.86
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
12.94
13.01
27.57
17.93
32.43
PCE(x)
12.16
12.35
11.65
16.64
28.35
Price/Book(x)
1.91
2.15
2.11
2.03
2.10
Yield(%)
0.09
0.10
0.12
0.13
0.00
EV/Net Sales(x)
4.28
4.76
5.29
6.21
5.63
EV/Core EBITDA(x)
12.48
14.02
22.76
16.92
15.42
EV/EBIT(x)
5.12
5.62
7.62
8.11
8.31
EV/CE(x)
1.44
1.50
1.45
1.39
1.46
M Cap / Sales
2.78
2.96
3.10
3.47
3.37
Core Operating Income Growth
8.93
16.18
29.62
13.31
16.00
Net Profit Growth
6.08
159.52
-26.45
97.70
304.89
BVPS Growth
18.48
19.82
8.41
12.99
10.16
Advances Growth
7.85
14.17
19.40
15.23
7.52
EPS Growth(%)
5.71
158.71
-26.62
97.31
272.90
Cash / Deposits(x)
0.06
0.08
0.07
0.11
0.07
Investment / Deposits(x)
0.34
0.31
0.30
0.34
0.32
IncLoan / Deposits(x)
15.70
18.42
19.67
22.52
20.47
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.35
0.34
0.41
0.67
1.06