Operational & Financial Ratios
Earnings Per Share (Rs)
1.73
1.40
1.11
0.90
0.51
DPS(Rs)
0.00
0.00
0.00
0.00
0.00
Book NAV/Share(Rs)
15.15
13.34
11.91
10.71
8.96
Yield on Advances
11.46
11.27
10.90
11.60
13.28
Cost of Liabilities
4.87
4.50
3.96
3.93
4.54
NIM
2.88
2.97
2.82
2.26
2.32
Interest Spread
6.59
6.78
6.94
7.67
8.75
ROA(%)
0.89
0.80
0.68
0.60
0.31
ROE(%)
12.26
11.13
9.82
9.78
5.83
ROCE(%)
10.13
9.63
8.20
8.47
5.71
Cost Income Ratio
47.14
56.32
51.94
48.61
48.54
Core Cost Income Ratio
48.69
60.31
51.67
52.06
57.71
Operating Costs to Assets
1.96
2.48
2.05
1.82
2.03
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
22.50
42.69
20.31
20.12
31.63
PCE(x)
20.12
37.90
18.07
18.28
24.14
Price/Book(x)
2.57
4.50
1.89
1.70
1.79
Yield(%)
0.00
0.00
0.00
0.00
0.00
EV/Net Sales(x)
4.17
5.98
3.27
2.24
1.77
EV/Core EBITDA(x)
13.50
21.25
10.67
6.50
5.08
EV/EBIT(x)
5.39
8.15
4.70
3.07
2.52
EV/CE(x)
1.64
2.59
1.46
0.13
0.11
M Cap / Sales
2.67
4.71
2.20
2.06
1.55
Core Operating Income Growth
10.79
19.07
30.80
7.00
11.23
Net Profit Growth
25.57
26.53
22.77
105.60
109.75
BVPS Growth
13.53
12.04
11.15
19.59
6.52
Advances Growth
15.11
19.81
23.44
12.94
5.26
EPS Growth(%)
23.26
26.53
22.77
78.79
109.75
Cash / Deposits(x)
0.06
0.06
0.07
0.09
0.05
Investment / Deposits(x)
0.36
0.35
0.36
0.37
0.40
IncLoan / Deposits(x)
13.54
10.63
7.97
1.17
1.53
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.37
0.57
1.83
2.65
3.58