Operational & Financial Ratios
Earnings Per Share (Rs)
5.73
3.87
1.71
0.84
0.67
DPS(Rs)
1.40
1.30
0.50
0.00
0.00
Book NAV/Share(Rs)
25.74
21.01
18.29
16.71
16.30
Yield on Advances
10.24
9.29
9.93
11.59
13.23
Cost of Liabilities
3.83
3.33
3.32
3.91
4.69
NIM
3.29
2.99
2.75
2.67
2.76
Interest Spread
6.40
5.95
6.60
7.68
8.54
ROA(%)
1.41
1.04
0.54
0.30
0.23
ROE(%)
25.06
19.68
9.90
5.38
5.61
ROCE(%)
18.57
18.40
13.01
9.09
1.31
Cost Income Ratio
37.55
39.14
44.26
47.38
51.97
Core Cost Income Ratio
38.52
38.74
46.54
51.25
55.13
Operating Costs to Assets
1.57
1.47
1.67
1.81
1.82
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
10.88
6.41
9.76
24.80
13.35
PCE(x)
10.31
5.82
7.92
18.48
8.66
Price/Book(x)
2.42
1.18
0.91
1.24
0.55
Yield(%)
2.25
5.25
2.99
0.00
0.00
EV/Net Sales(x)
2.53
1.73
1.46
1.51
0.77
EV/Core EBITDA(x)
6.47
4.50
3.92
4.52
3.11
EV/EBIT(x)
3.45
2.37
2.13
2.26
1.27
EV/CE(x)
2.00
1.10
0.95
1.18
0.67
M Cap / Sales
2.15
1.05
0.86
1.15
0.45
Core Operating Income Growth
26.88
28.07
23.42
14.46
14.61
Net Profit Growth
55.84
125.96
109.27
41.61
108.12
BVPS Growth
22.56
14.86
9.45
2.53
2.75
Advances Growth
16.95
30.53
28.09
17.88
5.09
EPS Growth(%)
48.12
125.96
103.97
25.72
103.84
Cash / Deposits(x)
0.08
0.08
0.10
0.07
0.07
Investment / Deposits(x)
0.25
0.29
0.34
0.39
0.38
IncLoan / Deposits(x)
2.85
4.60
3.83
2.44
2.45
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.20
0.25
0.97
2.48
4.77