122.3
Revenue₹B
135.5
145.5
159.0
173.2
182.9
193.7
207.2
216.8
228.3
243.6
136.2
5.90%
6.84%
81
17.58
Revenue growth%
14.00
13.63
15.53
13.29
12.04
14.07
13.44
12.01
12.83
13.60
17.33
13.44
13.52
29
14.39
NIM%
3.26
2.60
0.40
1.56
4.35
1.44
3.30
2.26
0.62
0.40
17.54
1.44
1.91
9
19.24
Effic. R.%
12.24
14.71
15.85
17.37
17.08
18.66
16.43
13.79
11.52
11.13
7.24
13.79
15.28
94
25.65
Net margin%
17.12
15.10
16.04
16.52
16.32
13.90
14.22
14.39
14.28
14.65
12.04
14.28
14.87
38
23.35
P/E ratio (avg)x
21.70
23.39
25.98
25.20
23.02
21.24
23.83
23.33
23.59
23.14
25.31
23.33
23.36
84
11.03
P/TBVx
21.04
19.84
20.61
21.36
20.99
24.24
26.90
31.24
34.76
34.79
14.31
31.24
22.80
36
8.652
P/Bx
17.16
16.47
15.87
17.89
18.02
17.93
18.66
21.49
25.16
29.29
28.91
21.49
17.97
52
182.2
NII₹B
83.79
90.93
99.44
107.2
115.7
122.1
130.8
135.3
143.0
149.3
173.4
5.24%
6.65%
—
11.57
NII grth%
32.90
34.78
37.61
37.58
39.65
40.07
39.25
39.60
41.27
40.44
10.11
40.07
39.43
48
28.79
ROTE%
27.62
27.32
27.67
29.45
28.94
29.37
30.20
33.10
33.10
31.89
3.32
31.89
29.41
38
6.24
Return on equity%
19.34
21.47
20.37
23.01
22.03
24.05
23.10
25.62
27.83
27.34
28.66
25.62
23.06
49
10.97
Return on assets%
16.64
16.81
18.52
21.20
20.65
23.60
25.17
22.66
23.31
21.54
15.98
23.31
21.37
90
9.21
EPS₹
42.85
41.80
49.34
53.58
51.97
54.32
63.84
61.62
68.71
72.21
9.94
6.80%
7.07%
—
29.53
EPS growth%
10.16
7.45
7.84
9.47
11.28
8.58
10.28
13.19
12.93
12.13
7.29
12.13
10.22
12
11.80
Bookvalue per sh₹
22.68
22.13
24.30
22.54
21.14
18.82
18.81
18.44
17.29
17.50
11.81
(3.70%)
(2.77%)
—
18.89
TBV/sh₹
48.97
54.33
49.58
56.02
59.46
65.33
70.53
77.50
73.92
69.91
31.97
3.29%
3.79%
—
25.50
Dividend per sh₹
58.20
66.49
69.23
78.33
92.84
103.07
110.64
133.24
137.31
159.56
40.24
11.44%
11.82%
—
28.47
Div yield (avg)%
5.62
6.70
4.40
5.30
6.67
8.27
11.01
10.33
11.58
9.93
6.05
10.33
7.49
86
27.23
Payout ratio%
20.73
21.47
22.15
19.65
22.63
23.14
23.39
22.19
21.41
19.42
24.73
22.19
21.81
12
2.503
Shares (diluted)B
2.983
2.822
2.804
2.814
2.563
2.568
2.682
2.980
2.954
2.953
2.475
2.87%
0.73%
68
21.54
Buyback yield%
10.36
9.86
12.09
10.54
13.32
14.00
12.46
10.00
9.46
6.50
8.98
10.00
10.45
71
69.53
Eq/Assets%
55.78
51.46
54.91
60.45
65.89
62.37
62.56
62.06
59.72
63.16
171.63
62.37
61.26
66
133.7
Assets₹B
439.6
478.0
515.4
575.7
601.2
627.5
664.9
762.9
788.3
854.7
56.68
7.29%
7.79%
55
86.93
LT debt₹B
234.5
258.2
280.4
265.3
267.5
309.8
331.6
355.7
398.0
406.7
193.3
8.74%
7.06%
85
Total assets
₹854.7B
7.79%
1.09×
Revenue
₹243.6B
6.84%
1.00×
Non-interest expense
₹152.9B
6.89%
1.00×
Net interest income
61.31%
Non-interest income
38.69%