Operational & Financial Ratios
Earnings Per Share (Rs)
15.28
14.23
8.99
7.97
7.74
DPS(Rs)
1.20
1.00
1.80
0.70
0.00
Book NAV/Share(Rs)
119.43
101.59
89.36
80.75
72.83
Yield on Advances
10.60
9.63
9.43
10.43
10.80
Cost of Liabilities
5.14
4.11
3.91
4.53
5.26
NIM
2.87
3.00
2.91
2.93
2.72
Interest Spread
5.46
5.52
5.52
5.91
5.54
ROA(%)
1.31
1.25
0.89
0.83
0.91
ROE(%)
14.71
14.95
10.83
10.38
11.11
ROCE(%)
14.04
13.34
9.77
10.21
10.86
Cost Income Ratio
54.50
49.86
53.32
49.27
51.30
Core Cost Income Ratio
55.85
50.02
55.41
53.74
56.52
Operating Costs to Assets
2.01
1.83
1.94
1.83
1.87
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
9.83
9.30
10.83
9.51
5.30
PCE(x)
9.29
8.81
10.17
8.92
4.92
Price/Book(x)
1.26
1.30
1.09
0.94
0.56
Yield(%)
0.80
0.76
1.85
0.92
0.00
EV/Net Sales(x)
2.46
2.82
2.63
1.76
1.40
EV/Core EBITDA(x)
10.55
9.87
9.54
6.36
5.79
EV/EBIT(x)
2.89
3.47
3.50
2.33
1.75
EV/CE(x)
1.16
1.16
0.16
0.12
0.10
M Cap / Sales
1.65
1.67
1.50
1.10
0.62
Core Operating Income Growth
14.68
21.31
7.74
19.03
11.32
Net Profit Growth
23.58
59.31
18.83
3.08
24.03
BVPS Growth
17.56
13.69
10.66
10.87
8.96
Advances Growth
20.04
20.37
9.90
7.86
10.93
EPS Growth(%)
7.39
58.28
12.82
2.90
23.55
Cash / Deposits(x)
0.05
0.06
0.09
0.04
0.04
Investment / Deposits(x)
0.24
0.23
0.22
0.22
0.24
IncLoan / Deposits(x)
7.14
9.05
8.47
5.25
6.81
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.60
0.69
0.96
1.19
1.31