Select year
Particulars
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Operational & Financial Ratios
Earnings Per Share (Rs)
22.93
21.42
35.88
37.50
22.19
DPS(Rs)
1.00
1.00
1.00
0.00
0.00
Book NAV/Share(Rs)
186.75
163.98
237.30
197.69
142.20
Yield on Advances
14.43
14.05
12.85
14.30
15.88
Cost of Liabilities
5.83
5.00
4.59
6.01
6.51
NIM
4.83
5.03
4.80
4.71
4.65
Interest Spread
8.60
9.05
8.26
8.29
9.37
ROA(%)
1.54
1.79
1.87
2.50
1.81
ROE(%)
13.10
15.52
16.56
22.31
18.56
ROCE(%)
13.96
14.98
14.01
15.60
12.73
Cost Income Ratio
64.68
63.01
57.07
43.80
54.22
Core Cost Income Ratio
65.17
62.50
59.07
56.56
58.05
Operating Costs to Assets
4.08
3.81
3.49
3.21
3.36
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
24.66
27.03
17.36
16.35
11.47
PCE(x)
21.50
23.92
30.89
30.03
20.27
Price/Book(x)
3.03
3.53
5.25
6.20
3.58
Yield(%)
0.18
0.17
0.08
0.00
0.00
EV/Net Sales(x)
4.10
5.47
7.64
9.15
6.02
EV/Core EBITDA(x)
17.77
22.23
24.92
21.30
21.56
EV/EBIT(x)
5.86
7.95
10.92
11.21
7.84
EV/CE(x)
2.40
2.60
0.65
0.88
0.61
M Cap / Sales
3.59
4.70
6.63
7.73
3.61
Core Operating Income Growth
16.54
36.83
36.72
23.91
42.18
Net Profit Growth
7.48
26.38
-3.49
73.49
76.73
BVPS Growth
13.89
-30.90
20.04
39.02
41.17
Advances Growth
25.23
26.74
33.19
28.22
18.29
EPS Growth(%)
7.09
-40.31
-4.31
68.99
69.90
Cash / Deposits(x)
0.05
0.13
0.11
0.04
0.04
Investment / Deposits(x)
0.31
0.29
0.29
0.30
0.41
IncLoan / Deposits(x)
6.28
9.08
11.39
19.54
39.50
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.55
0.42
0.50
2.20
0.81