4.429
Revenue₹B
5.057
5.491
5.970
6.381
6.956
7.595
8.090
8.574
9.349
9.935
4.633
7.39%
7.52%
23
20.92
Revenue growth%
2.00
3.75
6.55
8.14
10.23
10.92
8.84
10.40
12.97
10.81
22.41
10.81
9.53
7
11.50
NIM%
14.67
13.35
11.48
12.08
9.64
11.76
10.35
10.99
11.50
11.80
19.99
11.50
11.63
31
20.73
Effic. R.%
32.12
30.01
29.53
28.90
26.17
24.93
26.90
29.25
29.10
30.22
8.59
29.10
29.17
59
5.93
Net margin%
0.40
0.40
2.99
3.07
5.49
6.21
4.09
1.13
0.40
0.40
2.52
1.13
2.06
29
37.68
P/E ratio (avg)x
30.00
32.96
30.57
30.66
34.54
39.64
43.90
46.89
51.83
48.72
25.39
46.89
37.09
82
12.63
P/TBVx
44.98
48.40
56.03
64.93
65.90
72.28
74.87
84.51
96.77
98.50
26.72
84.51
69.09
21
8.246
P/Bx
10.92
11.34
11.06
10.41
9.111
8.859
8.045
8.339
9.094
8.667
19.60
8.667
9.102
27
11.37
NII₹B
3.541
3.869
4.277
4.474
4.990
5.341
5.782
6.126
6.675
6.952
10.97
6.86%
7.49%
—
11.96
NII grth%
25.77
24.91
23.71
22.84
22.56
21.68
22.57
24.07
26.83
24.20
17.66
24.07
23.89
13
7.74
ROTE%
21.82
24.03
23.85
26.08
27.69
25.17
26.39
25.62
28.15
28.06
11.88
26.39
25.85
31
13.44
Return on equity%
10.36
12.04
11.94
9.20
10.61
10.07
9.95
11.86
9.73
9.07
18.42
9.95
10.22
79
18.02
Return on assets%
0.40
3.21
2.53
3.98
3.54
4.57
6.17
6.24
3.64
6.40
6.99
6.17
3.81
23
9.66
EPS₹
9.05
10.01
10.60
10.45
12.26
13.73
15.45
17.25
18.76
18.85
9.87
8.99%
7.10%
—
3.76
EPS growth%
18.31
15.60
14.35
17.20
16.25
13.58
12.53
15.44
14.19
14.95
2.32
14.19
15.20
76
37.05
Bookvalue per sh₹
27.05
32.57
32.63
35.57
40.70
47.21
48.87
51.61
53.17
55.11
10.00
6.25%
8.53%
—
38.00
TBV/sh₹
11.87
13.12
14.34
16.60
17.78
18.67
21.25
23.35
23.17
23.40
40.92
5.65%
6.20%
—
45.54
Dividend per sh₹
61.66
69.60
70.35
71.89
80.43
79.49
90.27
92.95
88.91
104.22
31.00
5.32%
7.07%
—
9.82
Div yield (avg)%
19.00
21.99
23.99
23.61
25.34
26.33
28.52
28.65
25.69
26.89
5.13
26.89
25.52
77
19.15
Payout ratio%
4.02
5.88
8.64
10.39
10.22
8.24
8.00
10.62
12.10
9.62
27.01
9.62
9.13
71
319.3
Shares (diluted)M
279.6
256.9
238.1
252.4
244.3
263.0
260.7
265.0
234.4
241.9
327.3
(0.20%)
(2.26%)
61
9.43
Buyback yield%
7.02
8.72
6.05
8.71
6.42
4.61
1.82
4.03
3.02
1.48
14.22
3.02
5.33
42
74.65
Eq/Assets%
120.02
125.41
134.72
131.64
130.82
134.63
128.93
121.79
118.91
112.58
52.59
121.79
127.17
19
1.504
Assets₹B
28.32
31.93
33.41
36.59
38.70
42.56
46.69
49.37
54.68
62.18
9.339
9.95%
8.87%
72
8.467
LT debt₹B
13.93
15.92
15.06
16.94
19.78
23.39
25.17
28.74
28.10
27.45
3.105
6.78%
7.34%
70
Total assets
₹62.18B
8.87%
1.13×
Revenue
₹9.935B
7.52%
1.00×
Non-interest expense
₹5.617B
7.20%
0.97×
Net interest income
69.98%
Non-interest income
30.02%