Select year
Particulars
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Operational & Financial Ratios
Earnings Per Share (Rs)
9.25
10.81
10.89
10.51
7.96
DPS(Rs)
1.00
0.00
0.00
1.00
0.75
Book NAV/Share(Rs)
122.91
113.55
102.57
92.72
82.96
Yield on Advances
12.07
13.44
13.95
12.91
11.87
Cost of Liabilities
5.56
6.35
6.73
6.07
5.47
NIM
3.21
3.46
3.45
3.36
3.44
Interest Spread
6.51
7.08
7.23
6.83
6.40
ROA(%)
0.68
0.86
0.91
0.99
0.90
ROE(%)
7.82
10.01
11.16
11.99
10.90
ROCE(%)
8.05
9.87
11.69
13.04
12.55
Cost Income Ratio
55.96
48.87
54.53
56.88
59.79
Core Cost Income Ratio
58.34
53.00
56.76
58.38
61.95
Operating Costs to Assets
2.26
2.14
2.34
2.38
2.58
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
7.51
9.50
8.73
19.44
20.27
PCE(x)
6.14
8.13
7.58
17.12
16.65
Price/Book(x)
0.56
0.90
0.93
2.20
1.95
Yield(%)
1.44
0.00
0.00
0.49
0.46
EV/Net Sales(x)
1.78
2.22
1.80
2.98
2.86
EV/Core EBITDA(x)
7.83
8.66
8.44
13.99
13.14
EV/EBIT(x)
2.45
2.92
2.30
3.77
3.82
EV/CE(x)
0.14
0.19
0.17
0.25
0.23
M Cap / Sales
0.61
0.92
0.83
2.08
2.06
Core Operating Income Growth
5.51
1.72
10.06
15.46
24.88
Net Profit Growth
-14.38
-0.64
3.86
32.62
22.87
BVPS Growth
8.24
10.71
10.62
11.76
21.61
Advances Growth
13.05
1.55
7.54
15.89
28.57
EPS Growth(%)
-14.50
-0.67
3.57
31.99
13.81
Cash / Deposits(x)
0.05
0.04
0.03
0.05
0.05
Investment / Deposits(x)
0.26
0.28
0.25
0.28
0.26
IncLoan / Deposits(x)
11.77
15.09
11.22
9.58
8.03
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
1.97
2.29
1.16
0.65
0.72