2.023
Revenue₹B
8.849
9.459
9.929
10.41
10.92
11.20
11.60
12.28
13.11
13.55
2.125
4.41%
4.85%
12
29.34
Revenue growth%
12.48
14.31
13.95
14.25
16.89
17.42
16.13
17.39
16.95
19.55
22.52
17.39
16.51
85
22.94
NIM%
28.11
29.41
29.22
31.41
29.67
30.85
32.57
33.90
32.00
31.95
12.26
32.00
31.13
29
3.46
Effic. R.%
11.15
8.74
6.45
6.70
7.71
6.84
7.83
5.60
3.26
0.78
2.97
5.60
6.77
30
12.26
Net margin%
26.01
24.61
22.67
24.12
23.20
20.43
18.70
18.23
20.50
17.68
29.56
18.70
21.59
55
30.80
P/E ratio (avg)x
36.46
38.47
43.65
42.16
41.88
41.12
40.94
42.67
50.59
57.34
30.65
42.67
42.02
49
26.26
P/TBVx
22.14
23.95
21.31
18.41
17.86
15.18
15.25
14.66
15.12
13.66
13.56
15.12
16.55
72
31.82
P/Bx
48.58
53.55
62.16
62.22
70.45
69.89
77.77
77.02
88.99
104.5
18.23
77.77
70.17
13
5.933
NII₹B
5.825
6.093
6.495
6.885
7.035
7.276
7.540
8.106
8.547
8.803
1.871
4.59%
4.71%
—
2.89
NII grth%
14.20
15.91
13.08
15.06
12.66
13.75
14.98
17.02
18.20
16.77
16.84
16.77
15.02
9
16.50
ROTE%
13.98
11.66
10.33
13.04
15.16
15.83
17.02
15.00
17.26
17.58
7.70
17.02
15.08
21
6.81
Return on equity%
6.33
3.99
6.71
8.97
11.86
10.57
8.37
9.36
9.38
8.48
4.61
9.36
8.73
46
22.85
Return on assets%
23.17
21.93
22.99
22.29
23.00
22.10
22.67
22.98
23.74
23.69
23.42
22.98
22.99
93
17.91
EPS₹
39.29
44.91
43.60
50.78
57.25
62.12
62.77
61.33
59.82
58.53
19.05
0.45%
4.80%
—
13.46
EPS growth%
23.44
20.80
18.92
17.80
18.90
17.20
18.79
17.80
20.38
18.04
6.34
18.04
18.84
22
6.71
Bookvalue per sh₹
41.92
44.62
51.10
57.99
59.69
68.26
80.12
90.21
90.32
88.60
23.05
8.22%
8.31%
—
33.98
TBV/sh₹
27.69
27.67
25.08
24.77
25.51
22.98
19.99
18.36
16.58
16.38
26.79
(8.48%)
(5.50%)
—
42.41
Dividend per sh₹
28.47
28.09
32.18
31.33
31.25
35.63
43.15
50.69
51.53
59.82
20.00
13.87%
9.38%
—
29.67
Div yield (avg)%
19.52
19.47
20.17
18.93
16.50
15.71
18.46
17.41
17.92
15.23
11.32
17.41
18.19
16
11.73
Payout ratio%
6.67
3.67
2.05
0.40
3.21
5.54
6.06
5.96
6.32
8.45
16.62
6.06
5.75
83
102.9
Shares (diluted)M
120.6
122.8
115.3
122.4
137.5
143.6
140.0
146.3
131.2
129.6
103.1
(1.18%)
0.53%
37
25.60
Buyback yield%
13.82
12.23
13.02
12.39
10.82
12.44
10.26
9.97
9.67
11.25
13.18
10.26
11.74
79
39.75
Eq/Assets%
89.52
87.48
99.35
107.27
119.61
117.87
125.56
150.21
178.56
187.55
18.24
150.21
118.74
72
10.50
Assets₹B
35.40
37.67
39.96
42.32
45.08
48.18
55.18
58.22
63.77
69.11
1.194
8.92%
7.79%
15
10.49
LT debt₹B
7.398
6.762
6.296
7.191
7.751
8.395
9.631
10.01
10.67
10.78
4.385
6.82%
4.19%
10
Total assets
₹69.11B
7.79%
1.32×
Revenue
₹13.55B
4.85%
1.00×
Non-interest expense
₹8.152B
4.62%
0.98×
Net interest income
64.95%
Non-interest income
35.05%