Operational & Financial Ratios
Earnings Per Share (Rs)
7.04
5.16
2.24
3.37
2.31
DPS(Rs)
1.00
1.00
0.00
0.00
0.00
Book NAV/Share(Rs)
52.23
46.39
33.90
29.81
26.05
Yield on Advances
17.72
16.13
17.86
18.96
19.27
Cost of Liabilities
6.35
5.71
6.59
6.79
7.22
NIM
7.06
7.55
7.85
7.51
8.04
Interest Spread
11.37
10.42
11.27
12.17
12.05
ROA(%)
1.99
1.85
1.09
1.75
1.39
ROE(%)
14.42
12.21
7.35
12.51
9.75
ROCE(%)
16.66
13.71
9.21
12.15
10.82
Cost Income Ratio
64.49
63.41
66.15
59.99
66.38
Core Cost Income Ratio
66.27
63.84
67.27
61.23
66.51
Operating Costs to Assets
5.52
5.83
6.32
5.38
6.12
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
13.13
12.99
22.81
17.81
0.00
PCE(x)
11.24
11.32
17.99
14.85
0.00
Price/Book(x)
1.77
1.45
1.51
2.01
0.00
Yield(%)
1.08
1.49
0.00
0.00
NA
EV/Net Sales(x)
2.24
2.50
2.61
3.45
2.34
EV/Core EBITDA(x)
8.91
8.86
10.35
12.41
10.36
EV/EBIT(x)
3.54
4.37
5.01
5.77
4.12
EV/CE(x)
1.58
1.28
0.33
0.45
0.32
M Cap / Sales
1.91
1.79
1.85
2.14
0.00
Core Operating Income Growth
21.03
24.83
13.38
20.24
29.83
Net Profit Growth
39.29
104.32
-26.94
57.70
15.70
BVPS Growth
12.59
36.84
13.73
14.44
16.24
Advances Growth
20.02
33.16
14.99
22.73
18.40
EPS Growth(%)
36.30
130.35
-33.51
45.82
10.49
Cash / Deposits(x)
0.10
0.05
0.11
0.03
0.04
Investment / Deposits(x)
0.25
0.26
0.23
0.23
0.22
IncLoan / Deposits(x)
4.95
11.73
13.81
25.41
47.60
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
1.17
1.21
2.37
1.52
1.66