|
Mar 2022 |
Mar 2021 |
Mar 2020 |
Mar 2019 |
Mar 2018 |
Mar 2017 |
Operational & Financial Ratios |
Earnings Per Share (Rs) |
68.62 |
57.74 |
49.70 |
41.00 |
35.66 |
29.82 |
Dividend Per Share(Rs) |
15.50 |
6.50 |
2.50 |
15.00 |
13.00 |
11.00 |
Book NAV/Share(Rs) |
445.38 |
380.59 |
321.63 |
564.29 |
422.33 |
358.21 |
Margin Ratios |
Yield on Advances |
9.57 |
10.85 |
11.71 |
12.10 |
12.18 |
12.51 |
Yield on Investments |
5.94 |
6.52 |
5.98 |
7.08 |
7.27 |
8.11 |
Cost of Liabilities |
3.28 |
3.92 |
4.66 |
4.97 |
4.49 |
5.13 |
NIM |
3.82 |
3.97 |
3.95 |
4.15 |
4.04 |
4.17 |
Interest Spread |
6.28 |
6.93 |
7.05 |
7.13 |
7.70 |
7.38 |
Performance Ratios |
ROA(%) |
1.95 |
1.88 |
1.90 |
1.87 |
1.86 |
1.85 |
ROE(%) |
16.70 |
16.50 |
16.54 |
17.05 |
18.43 |
18.41 |
ROCE(%) |
14.05 |
13.83 |
14.69 |
16.27 |
16.70 |
16.35 |
Efficiency Ratios |
Cost Income Ratio |
36.95 |
36.22 |
38.90 |
39.34 |
40.58 |
43.13 |
Core Cost Income Ratio |
37.75 |
37.74 |
39.84 |
39.66 |
41.24 |
44.19 |
Operating Costs to Assets |
1.90 |
1.95 |
2.09 |
2.14 |
2.17 |
2.33 |
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) |
21.42 |
25.86 |
17.34 |
14.12 |
13.26 |
12.09 |
Price/Cash EPS(x) |
20.47 |
24.77 |
16.54 |
26.66 |
25.14 |
22.85 |
Price/Book(x) |
3.30 |
3.92 |
2.68 |
4.11 |
4.48 |
4.03 |
Divident Yield(%) |
1.05 |
0.44 |
0.29 |
0.65 |
0.69 |
0.76 |
EV/Net Sales(x) |
7.67 |
7.79 |
5.40 |
7.50 |
7.59 |
6.39 |
EV/Core EBITDA(x) |
15.15 |
16.24 |
12.71 |
18.47 |
18.48 |
17.11 |
EV/EBIT(x) |
9.52 |
9.81 |
6.57 |
8.96 |
9.14 |
7.62 |
EV/CE(x) |
0.49 |
0.56 |
0.42 |
0.61 |
0.59 |
0.52 |
M Cap / Sales |
6.00 |
6.40 |
3.87 |
6.00 |
5.76 |
5.04 |
Growth Ratio |
Core Operating Income Growth |
11.61 |
-99.99 |
16.72 |
19.91 |
21.79 |
21.10 |
Operating Profit Growth |
53.13 |
31.29 |
-23.45 |
-39.35 |
5.17 |
-0.81 |
Net Profit Growth |
19.76 |
16.71 |
21.61 |
20.93 |
21.41 |
19.27 |
BVPS Growth |
17.02 |
0.00 |
-43.00 |
33.61 |
17.90 |
21.88 |
Advances Growth |
19.88 |
-99.99 |
20.07 |
24.17 |
19.57 |
20.15 |
EPS Growth(%) |
18.83 |
16.18 |
21.22 |
14.97 |
19.62 |
17.77 |
Liquidity Ratios |
Loans/Deposits(x) |
0.15 |
0.13 |
0.16 |
0.17 |
0.20 |
0.15 |
Total Debt/Equity(x) |
0.08 |
0.07 |
0.06 |
0.05 |
0.13 |
0.06 |
Current Ratio(x) |
0.29 |
0.33 |
0.34 |
0.31 |
0.30 |
0.33 |
Quick Ratio(x) |
14.57 |
13.32 |
16.30 |
17.10 |
19.84 |
15.30 |
Interest Cover(x) |
Total Debt/Mcap(x) |
Net NPA in Rs. Million |