1.831
Revenue₹B
1.664
1.756
1.907
2.065
2.256
2.426
2.586
2.837
3.031
3.282
1.953
7.79%
7.71%
37
18.75
Revenue growth%
14.32
15.06
17.82
19.10
20.62
21.64
24.11
22.37
21.20
21.51
29.83
21.64
20.91
14
16.70
NIM%
22.20
21.15
23.02
21.47
21.40
20.21
22.06
23.59
24.82
27.58
5.25
23.59
22.13
72
9.35
Effic. R.%
19.82
19.08
19.98
20.40
18.00
15.87
14.03
15.79
13.75
13.15
28.76
14.03
16.93
30
15.30
Net margin%
11.33
9.65
7.45
5.19
7.40
6.61
5.55
5.37
8.32
6.89
26.43
6.61
7.14
29
34.19
P/E ratio (avg)x
36.78
38.62
44.45
45.04
52.25
62.96
73.97
79.15
82.94
83.53
34.46
79.15
57.61
20
34.98
P/TBVx
19.31
18.91
17.29
19.37
20.39
20.15
19.86
18.55
19.57
19.01
26.13
19.57
19.34
50
6.007
P/Bx
22.92
25.57
27.07
27.42
30.11
30.70
31.39
30.32
32.56
32.15
11.28
31.39
30.22
78
1.755
NII₹B
1.048
1.115
1.189
1.312
1.434
1.547
1.621
1.762
1.886
2.040
0.956
7.31%
7.71%
—
14.17
NII grth%
13.36
12.91
11.77
13.04
10.40
13.21
12.50
13.77
14.96
12.54
21.87
13.21
12.98
44
29.91
ROTE%
27.83
27.89
28.26
28.96
26.55
28.86
31.36
29.19
29.11
28.85
10.09
29.11
28.86
26
16.52
Return on equity%
7.10
6.52
7.46
5.29
5.82
3.29
1.03
0.40
0.40
0.40
10.29
0.40
4.29
54
16.33
Return on assets%
30.50
30.76
30.82
27.86
27.77
27.95
26.53
28.29
29.58
31.21
20.40
28.29
28.94
34
6.97
EPS₹
9.46
9.57
9.43
8.36
8.53
8.23
8.98
8.55
8.96
9.64
7.77
2.48%
0.75%
—
27.65
EPS growth%
31.14
31.54
30.97
33.53
30.94
28.85
26.17
27.87
26.20
26.91
4.22
26.91
29.90
14
14.20
Bookvalue per sh₹
5.85
6.43
6.66
5.91
5.52
5.85
5.95
6.48
6.41
5.94
10.79
1.48%
(0.46%)
—
3.10
TBV/sh₹
19.75
19.81
20.94
22.59
26.68
28.90
28.68
33.01
34.78
40.30
13.88
8.60%
7.83%
—
9.17
Dividend per sh₹
8.75
9.87
10.77
11.76
12.00
11.35
11.45
11.29
11.31
10.77
8.41
(2.13%)
3.60%
—
22.74
Div yield (avg)%
27.47
26.68
24.81
21.95
20.50
20.88
20.70
21.31
19.80
18.55
21.13
20.70
21.10
91
4.77
Payout ratio%
20.95
23.79
25.86
23.16
24.49
25.63
22.89
20.21
20.86
22.88
25.59
22.88
23.03
23
81.47
Shares (diluted)M
102.9
100.7
119.0
140.7
148.2
148.0
151.0
157.5
170.8
191.5
85.53
5.25%
6.40%
81
3.03
Buyback yield%
11.24
11.46
12.47
15.46
17.09
18.88
21.67
21.70
21.46
19.62
17.22
21.46
17.99
82
79.14
Eq/Assets%
107.40
121.60
130.09
132.70
153.22
156.25
175.38
170.05
181.59
188.84
143.47
175.38
154.74
50
2.546
Assets₹B
10.30
11.44
12.21
13.12
14.32
15.14
16.89
19.14
19.62
21.66
0.337
8.62%
8.25%
12
1.069
LT debt₹B
3.882
4.042
4.370
4.344
5.161
5.811
6.148
7.299
7.361
8.417
0.741
10.28%
8.68%
37
Total assets
₹21.66B
8.25%
1.05×
Revenue
₹3.282B
7.71%
1.00×
Non-interest expense
₹1.751B
7.53%
0.98×
Net interest income
62.15%
Non-interest income
37.85%