Select year
Particulars
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Operational & Financial Ratios
Earnings Per Share (Rs)
14.95
9.25
10.81
10.89
10.51
DPS(Rs)
1.25
1.00
0.00
0.00
1.00
Book NAV/Share(Rs)
136.95
122.91
113.55
102.57
92.72
Yield on Advances
12.22
12.07
13.44
13.95
12.91
Cost of Liabilities
5.47
5.56
6.35
6.73
6.07
NIM
3.48
3.21
3.46
3.45
3.36
Interest Spread
6.74
6.51
7.08
7.23
6.83
ROA(%)
0.96
0.68
0.86
0.91
0.99
ROE(%)
11.51
7.82
10.01
11.16
11.99
ROCE(%)
10.51
8.05
9.87
11.69
13.04
Cost Income Ratio
63.00
55.96
48.87
54.53
56.88
Core Cost Income Ratio
63.28
58.34
53.00
56.76
58.38
Operating Costs to Assets
2.56
2.26
2.14
2.34
2.38
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
7.15
7.51
9.50
8.73
19.44
PCE(x)
6.13
6.14
8.13
7.58
17.12
Price/Book(x)
0.78
0.56
0.90
0.93
2.20
Yield(%)
1.17
1.44
0.00
0.00
0.49
EV/Net Sales(x)
1.77
1.78
2.22
1.80
2.98
EV/Core EBITDA(x)
9.46
7.83
8.66
8.44
13.99
EV/EBIT(x)
2.39
2.45
2.92
2.30
3.77
EV/CE(x)
0.14
0.14
0.19
0.17
0.25
M Cap / Sales
0.79
0.61
0.92
0.83
2.08
Core Operating Income Growth
26.48
5.51
1.72
10.06
15.46
Net Profit Growth
61.93
-14.38
-0.64
3.86
32.62
BVPS Growth
11.43
8.24
10.71
10.62
11.76
Advances Growth
18.16
13.05
1.55
7.54
15.89
EPS Growth(%)
61.66
-14.50
-0.67
3.57
31.99
Cash / Deposits(x)
0.05
0.09
0.04
0.03
0.05
Investment / Deposits(x)
0.31
0.26
0.28
0.25
0.28
IncLoan / Deposits(x)
9.99
11.77
15.09
11.22
9.58
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
1.04
1.97
2.29
1.16
0.65