44.24
Revenue₹B
118.5
122.0
128.4
132.9
134.3
140.7
145.6
153.5
160.2
163.3
46.51
3.99%
3.54%
80
6.99
Revenue growth%
24.04
26.89
27.02
24.45
25.35
24.96
23.48
21.35
21.29
20.02
28.38
21.35
24.25
20
27.05
NIM%
0.40
0.41
2.34
0.40
0.40
0.41
0.40
0.89
0.40
0.43
18.50
0.41
0.40
11
5.33
Effic. R.%
17.43
19.24
17.63
18.75
16.23
18.45
16.13
14.89
17.23
18.28
7.25
17.23
17.53
95
22.51
Net margin%
34.87
33.38
34.95
34.92
33.58
34.54
34.70
33.91
34.18
35.65
5.12
34.54
34.62
37
8.325
P/E ratio (avg)x
15.04
17.29
16.65
19.12
19.88
20.63
18.90
21.29
24.37
22.42
6.611
21.29
19.50
22
9.177
P/TBVx
12.99
12.31
12.15
11.67
11.57
11.54
10.94
11.59
12.03
11.58
26.72
11.58
11.63
33
24.83
P/Bx
28.01
25.92
28.90
27.01
30.89
32.31
35.76
37.11
33.92
33.49
28.81
33.92
31.60
17
36.08
NII₹B
68.34
70.39
73.79
74.84
75.70
80.92
83.61
86.40
91.85
91.47
123.2
3.86%
3.54%
—
2.72
NII grth%
11.33
11.14
12.38
11.30
12.66
14.55
13.73
12.55
10.19
9.58
27.07
12.55
11.86
70
2.80
ROTE%
13.26
11.77
13.38
13.17
11.59
11.01
12.31
10.50
9.23
7.76
27.00
10.50
11.68
61
10.70
Return on equity%
30.14
28.85
29.65
29.04
29.00
26.02
28.80
30.02
31.87
32.17
14.91
30.02
29.34
16
18.75
Return on assets%
26.98
24.19
24.36
21.79
21.91
19.46
22.12
21.19
21.36
23.76
15.46
21.36
22.02
23
12.53
EPS₹
2.65
2.60
2.86
2.77
2.84
2.61
2.44
2.63
2.50
2.66
13.66
(1.36%)
0.01%
—
11.26
EPS growth%
3.84
4.21
2.69
1.03
0.40
0.40
1.53
4.01
3.57
3.42
9.56
3.42
3.06
56
13.84
Bookvalue per sh₹
5.97
5.34
5.50
5.49
5.74
6.00
6.40
6.79
6.20
6.82
8.02
3.51%
0.66%
—
11.68
TBV/sh₹
6.19
6.10
6.11
6.45
6.67
7.67
7.47
7.19
7.64
7.18
10.21
1.49%
2.66%
—
8.13
Dividend per sh₹
17.50
19.72
18.89
20.31
21.37
23.82
23.86
23.76
23.04
23.71
6.67
2.10%
4.04%
—
17.09
Div yield (avg)%
34.38
37.38
39.44
39.90
39.41
36.76
37.97
35.13
35.67
32.88
9.79
35.67
37.07
67
6.12
Payout ratio%
0.40
0.40
0.88
0.40
2.46
0.40
0.40
0.40
0.90
3.24
14.96
0.40
0.40
58
7.709
Shares (diluted)B
8.479
9.770
10.89
12.35
12.15
12.37
14.32
15.34
16.13
19.04
7.704
9.41%
8.88%
28
20.13
Buyback yield%
7.45
9.90
9.17
8.69
7.41
7.90
6.41
3.63
2.58
2.96
2.45
3.63
7.43
37
148.42
Eq/Assets%
73.17
62.88
56.00
60.89
53.30
57.32
54.80
52.05
55.78
48.28
164.54
54.80
55.89
66
32.52
Assets₹B
257.0
271.5
294.5
324.9
337.2
382.7
423.9
473.1
510.5
574.0
57.58
11.23%
9.18%
54
27.90
LT debt₹B
89.78
88.37
96.11
87.74
77.37
75.37
67.51
63.98
57.94
52.94
48.00
(7.31%)
(5.78%)
86
Total assets
₹574.0B
9.18%
1.70×
Revenue
₹163.3B
3.54%
1.00×
Non-interest expense
₹83.08B
3.75%
1.02×
Net interest income
56.00%
Non-interest income
44.00%
Spread over hurdle
30.37%