0.934
Revenue₹B
2.275
2.286
2.308
2.394
2.475
2.594
2.702
2.781
2.808
2.923
1.030
3.39%
2.96%
82
21.71
Revenue growth%
0.76
3.32
5.51
6.60
5.46
2.49
1.27
0.40
2.49
2.07
22.69
2.07
2.49
80
7.36
NIM%
28.64
29.71
26.72
28.94
26.19
25.65
23.54
25.60
26.96
27.70
18.18
25.65
26.84
9
24.62
Effic. R.%
25.50
25.01
26.27
27.91
27.32
25.51
28.14
26.44
28.53
29.90
9.73
28.14
26.88
41
13.68
Net margin%
27.97
27.94
28.67
29.13
28.82
28.55
30.85
32.33
32.63
31.23
6.34
31.23
28.97
25
37.31
P/E ratio (avg)x
37.58
43.04
46.89
50.31
53.20
52.31
53.04
51.36
54.90
54.06
16.62
53.04
51.83
37
37.03
P/TBVx
36.15
40.40
41.16
43.42
40.33
37.87
40.94
41.89
44.59
41.55
18.28
41.55
41.05
80
18.83
P/Bx
14.68
13.45
12.97
12.46
10.70
10.96
9.770
9.992
10.18
11.02
10.95
10.18
10.99
29
0.174
NII₹B
1.357
1.354
1.369
1.434
1.482
1.537
1.621
1.653
1.634
1.739
1.392
3.25%
2.96%
—
15.03
NII grth%
0.40
0.92
1.51
4.12
6.81
7.61
9.02
6.53
7.00
5.09
7.94
7.00
5.81
63
22.86
ROTE%
31.18
28.56
26.34
25.84
24.28
25.64
26.20
28.84
26.86
24.84
4.69
26.20
26.27
83
28.05
Return on equity%
7.89
7.75
5.32
4.16
2.00
1.37
0.40
0.40
0.40
2.92
6.94
0.40
2.46
86
18.45
Return on assets%
22.68
19.90
19.87
22.61
20.33
21.15
19.46
18.03
18.43
17.14
11.87
18.43
19.88
70
25.59
EPS₹
14.32
13.66
13.90
13.21
15.19
16.92
17.29
17.39
19.98
22.64
27.33
8.31%
5.67%
—
8.49
EPS growth%
10.95
9.43
6.67
9.09
6.43
6.63
7.91
9.99
9.05
9.64
16.90
9.05
9.07
12
23.12
Bookvalue per sh₹
13.10
12.91
13.73
13.64
14.43
12.93
14.13
15.68
17.08
17.28
11.98
3.66%
2.94%
—
15.80
TBV/sh₹
30.79
35.14
39.55
45.23
51.00
50.90
50.50
52.28
58.64
65.76
14.87
5.21%
9.53%
—
4.18
Dividend per sh₹
4.79
4.77
4.37
3.97
3.42
3.70
3.83
3.30
2.79
2.44
13.96
(6.55%)
(5.87%)
—
19.69
Div yield (avg)%
11.75
9.97
11.53
11.57
9.79
9.83
7.98
5.86
7.08
6.36
28.97
7.08
9.81
43
11.62
Payout ratio%
7.35
6.45
5.74
3.06
5.84
6.38
6.16
4.67
3.23
2.21
8.68
4.67
5.79
22
44.19
Shares (diluted)M
48.53
51.96
46.95
43.33
37.16
34.43
36.40
38.07
37.59
38.38
46.22
0.65%
(1.60%)
44
28.21
Buyback yield%
10.03
7.82
5.40
4.94
3.38
2.91
0.55
0.40
0.40
0.40
15.18
0.40
3.14
83
37.27
Eq/Assets%
108.73
101.07
100.61
90.35
83.40
81.13
79.90
67.86
60.35
64.08
132.91
67.86
82.26
71
1.404
Assets₹B
2.849
3.159
3.619
3.796
3.998
4.515
4.782
5.003
5.573
5.912
2.120
8.14%
8.14%
17
2.430
LT debt₹B
1.348
1.322
1.415
1.622
1.901
2.234
2.574
2.590
2.733
2.947
0.684
9.16%
8.22%
22
Total assets
₹5.912B
8.14%
1.63×
Revenue
₹2.923B
2.96%
1.00×
Non-interest expense
₹1.574B
2.95%
1.00×
Net interest income
59.49%
Non-interest income
40.51%