Operational & Financial Ratios
Earnings Per Share (Rs)
79.44
68.44
56.29
35.49
22.87
DPS(Rs)
15.90
13.70
11.30
7.10
4.00
Book NAV/Share(Rs)
463.67
391.83
335.98
287.64
258.05
Yield on Advances
11.11
11.21
10.38
10.08
10.82
Cost of Liabilities
4.97
4.63
3.81
3.46
3.77
NIM
2.70
2.81
2.85
2.62
2.67
Interest Spread
6.14
6.58
6.57
6.62
7.06
ROA(%)
1.10
1.04
0.96
0.67
0.48
ROE(%)
18.57
18.81
18.05
13.01
9.31
ROCE(%)
13.49
12.87
12.06
8.27
6.49
Cost Income Ratio
51.64
59.02
53.87
57.91
53.60
Core Cost Income Ratio
55.34
62.52
53.47
59.09
55.78
Operating Costs to Assets
1.77
2.02
1.77
1.87
1.82
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
9.71
11.00
9.30
13.90
15.93
PCE(x)
9.25
10.42
8.73
12.61
13.70
Price/Book(x)
1.66
1.92
1.56
1.72
1.41
Yield(%)
2.06
1.82
2.16
1.44
1.10
EV/Net Sales(x)
2.71
3.06
2.89
3.15
2.80
EV/Core EBITDA(x)
11.32
14.64
11.47
12.76
10.38
EV/EBIT(x)
3.20
3.77
3.77
4.37
4.08
EV/CE(x)
1.28
1.34
1.21
1.27
0.16
M Cap / Sales
1.49
1.62
1.41
1.60
1.23
Core Operating Income Growth
4.43
10.38
19.99
9.03
12.87
Net Profit Growth
16.08
21.59
58.58
55.19
40.88
BVPS Growth
18.33
16.62
16.81
11.47
10.59
Advances Growth
12.40
15.78
17.02
11.61
5.34
EPS Growth(%)
16.08
21.59
58.58
55.19
40.88
Cash / Deposits(x)
0.04
0.05
0.06
0.08
0.06
Investment / Deposits(x)
0.31
0.34
0.35
0.37
0.37
IncLoan / Deposits(x)
10.47
12.16
11.15
10.52
11.34
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.47
0.57
0.67
1.02
1.50