Operational & Financial Ratios
Earnings Per Share (Rs)
2.94
1.82
1.20
-1.51
-1.96
DPS(Rs)
0.00
0.00
0.00
0.00
0.00
Book NAV/Share(Rs)
32.33
29.33
27.43
30.49
32.34
Yield on Advances
12.62
12.58
13.56
14.52
15.59
Cost of Liabilities
4.40
3.77
3.80
4.32
4.99
NIM
3.03
3.05
2.62
2.40
2.31
Interest Spread
8.22
8.81
9.76
10.20
10.61
ROA(%)
0.60
0.40
0.28
-0.24
-0.33
ROE(%)
9.53
6.42
5.01
-4.88
-6.53
ROCE(%)
11.15
8.62
6.52
-2.81
-1.46
Cost Income Ratio
58.18
56.35
58.27
59.70
61.44
Core Cost Income Ratio
60.63
57.35
59.29
67.61
68.87
Operating Costs to Assets
2.29
2.19
1.88
1.84
1.94
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
20.36
13.26
15.25
0.00
0.00
PCE(x)
17.02
10.66
11.87
-16.14
-8.33
Price/Book(x)
1.85
0.82
0.67
0.54
0.38
Yield(%)
0.00
0.00
0.00
0.00
0.00
EV/Net Sales(x)
2.33
1.14
1.03
0.66
0.54
EV/Core EBITDA(x)
9.74
4.23
4.50
3.29
2.94
EV/EBIT(x)
3.28
1.76
1.56
1.15
0.85
EV/CE(x)
1.50
0.87
0.06
0.04
0.04
M Cap / Sales
1.69
0.82
0.70
0.42
0.30
Core Operating Income Growth
10.35
23.19
15.06
8.08
12.65
Net Profit Growth
61.11
51.43
217.72
20.85
80.12
BVPS Growth
10.23
6.92
-10.03
-5.74
-17.47
Advances Growth
19.91
20.70
7.41
3.63
3.12
EPS Growth(%)
61.11
51.43
179.67
23.08
85.91
Cash / Deposits(x)
0.06
0.08
0.11
0.10
0.10
Investment / Deposits(x)
0.37
0.38
0.41
0.45
0.45
IncLoan / Deposits(x)
5.14
2.26
2.18
1.66
1.84
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
1.23
1.77
3.97
5.77
7.63