Operational & Financial Ratios
Earnings Per Share (Rs)
80.05
79.05
66.65
56.44
47.89
DPS(Rs)
19.50
19.00
15.50
6.50
2.50
Book NAV/Share(Rs)
576.01
500.26
432.36
369.54
311.83
Yield on Advances
10.40
10.10
9.33
10.67
11.55
Cost of Liabilities
4.92
3.58
3.20
3.81
4.54
NIM
3.19
3.76
3.64
3.83
3.82
Interest Spread
5.47
6.52
6.14
6.86
7.02
ROA(%)
2.00
1.95
1.94
1.90
1.89
ROE(%)
16.97
17.00
16.67
16.61
16.40
ROCE(%)
15.26
15.73
14.62
14.51
15.27
Cost Income Ratio
40.18
40.36
36.88
36.32
38.64
Core Cost Income Ratio
43.34
39.98
37.73
37.95
39.60
Operating Costs to Assets
1.75
1.93
1.81
1.87
2.01
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
18.09
20.36
22.05
26.46
18.00
PCE(x)
17.29
19.38
21.14
25.40
17.22
Price/Book(x)
2.51
3.22
3.40
4.04
2.76
Yield(%)
1.35
1.18
1.05
0.44
0.29
EV/Net Sales(x)
6.82
6.84
7.83
7.93
5.38
EV/Core EBITDA(x)
18.67
15.69
15.61
16.72
12.66
EV/EBIT(x)
7.99
8.29
9.55
9.82
6.48
EV/CE(x)
1.60
2.27
2.35
2.83
1.96
M Cap / Sales
4.26
5.56
6.38
6.81
4.12
Core Operating Income Growth
24.98
20.60
10.99
15.47
16.46
Net Profit Growth
37.87
19.34
18.78
18.51
24.57
BVPS Growth
15.14
15.70
17.00
18.51
-43.08
Advances Growth
55.25
16.93
20.83
14.00
21.27
EPS Growth(%)
1.26
18.61
18.08
17.87
-38.13
Cash / Deposits(x)
0.08
0.06
0.08
0.07
0.06
Investment / Deposits(x)
0.30
0.27
0.29
0.33
0.34
IncLoan / Deposits(x)
27.82
10.98
11.85
10.15
12.60
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.33
0.27
0.32
0.40
0.36