Select year
Particulars
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Operational & Financial Ratios
Earnings Per Share (Rs)
12.66
10.28
8.02
6.46
9.30
DPS(Rs)
1.00
1.00
0.30
0.50
0.50
Book NAV/Share(Rs)
100.72
89.05
79.08
71.83
65.91
Yield on Advances
10.95
10.17
11.44
12.29
11.53
Cost of Liabilities
4.47
4.13
5.02
5.82
5.54
NIM
3.38
3.23
3.57
3.51
3.72
Interest Spread
6.48
6.04
6.41
6.47
5.99
ROA(%)
1.46
1.32
1.15
1.00
1.60
ROE(%)
13.35
12.23
10.64
9.40
15.17
ROCE(%)
12.05
11.04
10.51
10.16
17.34
Cost Income Ratio
38.85
40.37
41.72
43.04
41.67
Core Cost Income Ratio
38.49
41.16
45.66
46.17
42.32
Operating Costs to Assets
1.73
1.76
1.97
2.04
1.96
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
9.94
12.56
19.43
20.07
21.96
PCE(x)
9.22
11.29
16.93
17.21
20.15
Price/Book(x)
1.25
1.45
1.97
1.80
3.10
Yield(%)
0.79
0.77
0.19
0.39
0.24
EV/Net Sales(x)
2.97
3.62
3.11
2.78
4.11
EV/Core EBITDA(x)
7.70
9.31
8.76
8.64
12.48
EV/EBIT(x)
3.76
4.68
4.29
3.76
5.02
EV/CE(x)
0.21
0.24
0.24
0.23
0.34
M Cap / Sales
1.98
2.33
2.79
2.29
3.98
Core Operating Income Growth
12.85
4.75
9.22
3.95
12.67
Net Profit Growth
23.33
28.23
24.46
-30.25
15.35
BVPS Growth
13.11
12.60
10.09
8.99
5.23
Advances Growth
6.68
11.62
6.57
3.84
17.31
EPS Growth(%)
23.19
28.10
24.21
-30.51
4.39
Cash / Deposits(x)
0.06
0.06
0.06
0.05
0.05
Investment / Deposits(x)
0.27
0.26
0.21
0.22
0.20
IncLoan / Deposits(x)
8.95
11.14
3.02
4.98
1.25
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
2.36
2.95
4.09
2.29
1.81