|
Mar 2022 |
Mar 2021 |
Mar 2020 |
Mar 2019 |
Mar 2018 |
Mar 2017 |
Operational & Financial Ratios |
Earnings Per Share (Rs) |
45.99 |
23.49 |
6.57 |
19.59 |
1.78 |
16.51 |
Dividend Per Share(Rs) |
1.00 |
0.00 |
0.00 |
1.00 |
0.00 |
5.00 |
Book NAV/Share(Rs) |
384.75 |
338.13 |
305.99 |
263.66 |
250.17 |
235.41 |
Margin Ratios |
Yield on Advances |
9.49 |
10.29 |
10.93 |
11.06 |
10.36 |
11.85 |
Yield on Investments |
5.76 |
6.62 |
8.67 |
6.99 |
7.44 |
10.00 |
Cost of Liabilities |
3.42 |
4.07 |
4.77 |
4.76 |
4.51 |
5.08 |
NIM |
3.05 |
3.26 |
3.08 |
2.96 |
2.94 |
3.28 |
Interest Spread |
6.07 |
6.22 |
6.16 |
6.30 |
5.85 |
6.77 |
Performance Ratios |
ROA(%) |
1.29 |
0.75 |
0.22 |
0.67 |
0.07 |
0.69 |
ROE(%) |
12.78 |
7.64 |
2.44 |
7.65 |
0.77 |
7.22 |
ROCE(%) |
9.47 |
7.16 |
5.89 |
7.90 |
4.62 |
7.79 |
Efficiency Ratios |
Cost Income Ratio |
48.49 |
44.24 |
42.95 |
46.00 |
47.90 |
41.31 |
Core Cost Income Ratio |
49.88 |
45.29 |
45.31 |
47.02 |
50.12 |
46.14 |
Operating Costs to Assets |
2.08 |
1.92 |
1.95 |
2.05 |
2.10 |
2.08 |
Capital Adequacy |
Basel I |
Total CAR (Basel I) |
Tier-1 (Basel I) |
Tier-2 (Basel I) |
Basel II |
Total CAR (Basel II) |
Tier-1 (Basel II) |
Tier-2 (Basel II) |
Basel III |
Total CAR (Basel III) |
Tier - 1 (Basel III) |
Tier - 2 (Basel III) |
Valuation Parameters |
PE Ratio(x) |
16.54 |
29.70 |
57.75 |
39.61 |
286.83 |
29.74 |
Price/Cash EPS(x) |
15.35 |
25.97 |
39.86 |
34.50 |
123.97 |
26.16 |
Price/Book(x) |
1.98 |
2.06 |
1.24 |
2.94 |
2.04 |
2.08 |
Divident Yield(%) |
0.13 |
0.00 |
0.00 |
0.13 |
0.00 |
1.02 |
EV/Net Sales(x) |
6.29 |
5.68 |
4.12 |
6.44 |
6.15 |
5.09 |
EV/Core EBITDA(x) |
16.43 |
15.14 |
10.93 |
18.38 |
17.81 |
12.72 |
EV/EBIT(x) |
8.05 |
8.25 |
6.06 |
8.70 |
10.17 |
7.02 |
EV/CE(x) |
0.36 |
0.37 |
0.28 |
0.44 |
0.41 |
0.38 |
M Cap / Sales |
3.39 |
3.32 |
1.68 |
3.56 |
2.80 |
2.60 |
Growth Ratio |
Core Operating Income Growth |
13.95 |
15.75 |
16.06 |
16.57 |
3.40 |
7.74 |
Operating Profit Growth |
35.71 |
23.96 |
-24.44 |
2.76 |
-29.77 |
-78.78 |
Net Profit Growth |
95.31 |
286.02 |
-62.78 |
987.68 |
-88.30 |
-52.53 |
BVPS Growth |
13.79 |
1,104,930.00 |
16.06 |
5.39 |
6.27 |
4.73 |
Advances Growth |
15.88 |
7.34 |
15.06 |
12.63 |
18.02 |
10.59 |
EPS Growth(%) |
95.84 |
257.61 |
-66.48 |
1,003.20 |
-89.24 |
-52.90 |
Liquidity Ratios |
Loans/Deposits(x) |
0.24 |
0.22 |
0.24 |
0.29 |
0.34 |
0.27 |
Total Debt/Equity(x) |
0.11 |
0.07 |
0.13 |
0.06 |
0.08 |
0.07 |
Current Ratio(x) |
0.33 |
0.32 |
0.24 |
0.32 |
0.34 |
0.31 |
Quick Ratio(x) |
24.34 |
21.80 |
24.17 |
29.28 |
34.19 |
27.10 |
Interest Cover(x) |
Total Debt/Mcap(x) |
Net NPA in Rs. Million |