Select year
Particulars
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Operational & Financial Ratios
Earnings Per Share (Rs)
21.42
35.88
37.50
22.19
13.06
DPS(Rs)
1.00
1.00
0.00
0.00
0.75
Book NAV/Share(Rs)
163.98
237.30
197.69
142.20
100.73
Yield on Advances
14.05
12.85
14.30
15.88
12.92
Cost of Liabilities
5.00
4.59
6.01
6.51
5.73
NIM
5.03
4.80
4.71
4.65
4.23
Interest Spread
9.05
8.26
8.29
9.37
7.19
ROA(%)
1.79
1.87
2.50
1.81
1.48
ROE(%)
15.52
16.56
22.31
18.56
14.66
ROCE(%)
14.98
14.01
15.60
12.73
11.87
Cost Income Ratio
63.01
57.07
43.80
54.22
59.99
Core Cost Income Ratio
62.50
59.07
56.56
58.05
60.74
Operating Costs to Assets
3.81
3.49
3.21
3.36
3.32
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
27.03
17.36
16.35
11.47
22.72
PCE(x)
23.92
30.89
30.03
20.27
39.11
Price/Book(x)
3.53
5.25
6.20
3.58
5.89
Yield(%)
0.17
0.08
0.00
0.00
0.13
EV/Net Sales(x)
5.47
7.64
9.15
6.02
8.80
EV/Core EBITDA(x)
22.23
24.92
21.30
21.56
35.96
EV/EBIT(x)
7.95
10.92
11.21
7.84
11.87
EV/CE(x)
0.50
0.65
0.88
0.61
0.80
M Cap / Sales
4.70
6.63
7.73
3.61
5.88
Core Operating Income Growth
36.83
36.72
23.91
42.18
42.76
Net Profit Growth
26.38
-3.49
73.49
76.73
30.74
BVPS Growth
-30.90
20.04
39.02
41.17
27.13
Advances Growth
26.74
33.19
28.22
18.29
71.41
EPS Growth(%)
-40.31
-4.31
68.99
69.90
27.76
Cash / Deposits(x)
0.13
0.11
0.04
0.04
0.04
Investment / Deposits(x)
0.29
0.29
0.30
0.41
0.37
IncLoan / Deposits(x)
9.08
11.39
19.54
39.50
44.35
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.42
0.50
2.20
0.81
1.29