Operational & Financial Ratios
Earnings Per Share (Rs)
4.18
2.94
1.82
1.20
-1.51
DPS(Rs)
0.19
0.00
0.00
0.00
0.00
Book NAV/Share(Rs)
36.00
32.33
29.33
27.43
30.49
Yield on Advances
11.92
12.62
12.58
13.56
14.52
Cost of Liabilities
4.55
4.40
3.77
3.80
4.32
NIM
3.02
3.03
3.05
2.62
2.40
Interest Spread
7.37
8.22
8.81
9.76
10.20
ROA(%)
0.82
0.60
0.40
0.28
-0.24
ROE(%)
12.48
9.53
6.42
5.01
-4.88
ROCE(%)
11.29
11.15
8.62
6.52
-2.81
Cost Income Ratio
58.87
58.18
56.35
58.27
59.70
Core Cost Income Ratio
62.65
60.63
57.35
59.29
67.61
Operating Costs to Assets
2.43
2.29
2.19
1.88
1.84
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
10.21
20.36
13.26
15.25
0.00
PCE(x)
8.90
17.02
10.66
11.87
-16.14
Price/Book(x)
1.19
1.85
0.82
0.67
0.54
Yield(%)
0.44
0.00
0.00
0.00
0.00
EV/Net Sales(x)
1.79
2.33
1.14
1.03
0.66
EV/Core EBITDA(x)
7.41
9.74
4.23
4.50
3.29
EV/EBIT(x)
2.44
3.28
1.76
1.56
1.15
EV/CE(x)
1.11
1.50
0.87
0.06
0.04
M Cap / Sales
1.15
1.69
0.82
0.70
0.42
Core Operating Income Growth
7.76
10.35
23.19
15.06
8.08
Net Profit Growth
48.50
61.11
51.43
217.72
20.85
BVPS Growth
11.36
10.23
6.92
-10.03
-5.74
Advances Growth
16.03
19.91
20.70
7.41
3.63
EPS Growth(%)
42.42
61.11
51.43
179.67
23.08
Cash / Deposits(x)
0.06
0.06
0.08
0.11
0.10
Investment / Deposits(x)
0.34
0.37
0.38
0.41
0.45
IncLoan / Deposits(x)
5.23
5.14
2.26
2.18
1.66
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.55
1.23
1.77
3.97
5.77