Operational & Financial Ratios
Earnings Per Share (Rs)
81.06
59.86
42.41
31.67
26.61
DPS(Rs)
16.25
12.00
8.60
6.50
2.00
Book NAV/Share(Rs)
461.10
389.12
336.15
301.08
289.16
Yield on Advances
10.86
10.80
10.00
9.98
10.78
Cost of Liabilities
4.73
4.55
3.84
3.62
4.16
NIM
2.96
3.02
2.95
2.60
2.65
Interest Spread
6.13
6.25
6.16
6.36
6.62
ROA(%)
1.31
1.07
0.76
0.61
0.64
ROE(%)
19.07
17.10
13.31
11.25
11.61
ROCE(%)
17.58
16.89
11.37
7.09
7.78
Cost Income Ratio
44.77
45.92
44.20
46.21
48.55
Core Cost Income Ratio
46.18
47.94
44.68
48.86
52.75
Operating Costs to Assets
1.76
1.80
1.70
1.63
1.66
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
6.69
8.70
6.79
4.86
4.37
PCE(x)
6.38
8.17
6.18
4.22
3.61
Price/Book(x)
1.18
1.34
0.86
0.51
0.40
Yield(%)
3.00
2.30
2.99
4.23
1.72
EV/Net Sales(x)
1.85
1.68
1.29
0.94
0.97
EV/Core EBITDA(x)
6.03
5.54
3.80
2.86
3.45
EV/EBIT(x)
2.22
2.15
1.89
1.44
1.44
EV/CE(x)
1.11
1.23
0.91
0.05
0.66
M Cap / Sales
1.18
1.26
0.80
0.49
0.34
Core Operating Income Growth
8.18
15.07
20.91
6.78
105.96
Net Profit Growth
35.41
52.66
33.89
31.29
298.84
BVPS Growth
18.50
15.76
11.65
4.12
-7.84
Advances Growth
10.91
14.60
15.45
7.31
83.27
EPS Growth(%)
35.41
41.15
33.89
19.05
115.00
Cash / Deposits(x)
0.04
0.05
0.05
0.10
0.05
Investment / Deposits(x)
0.31
0.31
0.30
0.29
0.33
IncLoan / Deposits(x)
5.63
3.36
3.55
2.90
4.60
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.19
0.43
0.90
2.27
3.37