Operational & Financial Ratios
Earnings Per Share (Rs)
69.13
54.86
42.99
34.94
30.88
DPS(Rs)
2.00
1.50
1.10
0.90
0.00
Book NAV/Share(Rs)
486.13
417.61
362.56
319.03
253.60
Yield on Advances
12.18
10.71
9.97
12.00
12.25
Cost of Liabilities
4.15
3.29
3.03
3.79
4.46
NIM
4.45
4.55
4.05
4.16
3.88
Interest Spread
8.03
7.42
6.94
8.21
7.79
ROA(%)
2.53
2.38
2.11
1.87
1.77
ROE(%)
15.35
14.12
12.68
12.47
13.08
ROCE(%)
16.80
14.89
13.20
12.26
11.31
Cost Income Ratio
45.99
48.15
47.15
42.19
46.90
Core Cost Income Ratio
47.19
46.56
45.30
41.82
48.13
Operating Costs to Assets
2.78
2.81
2.50
2.24
2.46
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
25.83
31.60
40.82
50.20
41.99
PCE(x)
24.66
30.21
38.89
47.41
39.25
Price/Book(x)
3.67
4.15
4.84
5.50
5.11
Yield(%)
0.11
0.09
0.06
0.05
0.00
EV/Net Sales(x)
8.37
10.75
13.86
13.85
10.64
EV/Core EBITDA(x)
19.57
24.80
31.09
31.61
28.59
EV/EBIT(x)
10.14
13.59
17.36
17.87
13.49
EV/CE(x)
3.06
3.44
0.87
0.97
0.80
M Cap / Sales
7.75
10.05
12.88
12.95
9.21
Core Operating Income Growth
20.61
28.15
9.64
13.63
20.47
Net Profit Growth
25.98
27.61
23.09
17.11
22.24
BVPS Growth
16.41
15.18
13.64
25.80
14.17
Advances Growth
17.57
17.92
21.27
1.78
6.83
EPS Growth(%)
26.01
27.62
23.05
13.16
21.13
Cash / Deposits(x)
0.08
0.05
0.12
0.04
0.04
Investment / Deposits(x)
0.35
0.33
0.32
0.38
0.29
IncLoan / Deposits(x)
6.32
6.45
8.33
8.44
14.46
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.34
0.37
0.64
1.21
0.71