3.296
Revenue₹B
2.937
3.099
3.320
3.607
3.839
4.073
4.448
4.776
5.125
5.615
3.504
7.90%
7.61%
11
5.05
Revenue growth%
17.65
17.16
19.62
18.22
18.37
16.63
14.36
12.90
9.95
8.48
24.31
12.90
16.90
68
23.42
NIM%
4.17
6.65
6.42
5.24
7.37
6.21
9.00
11.82
14.25
12.55
24.68
11.82
7.01
15
16.69
Effic. R.%
26.60
27.87
25.64
25.07
27.27
30.06
28.07
28.10
25.92
25.70
4.32
28.07
26.93
59
14.88
Net margin%
31.02
28.12
27.38
26.80
28.90
26.14
26.54
24.05
24.91
26.36
23.82
26.14
26.67
71
9.912
P/E ratio (avg)x
10.32
10.47
12.18
13.55
14.20
15.29
16.12
15.34
15.90
15.60
20.87
15.60
14.74
35
37.95
P/TBVx
28.94
29.71
29.07
27.58
29.21
28.13
29.31
26.80
28.74
31.48
10.10
28.74
29.00
76
26.57
P/Bx
12.85
14.14
16.12
16.62
19.24
19.19
18.55
19.17
21.74
22.98
24.97
19.19
18.86
66
6.954
NII₹B
2.138
2.301
2.462
2.652
2.842
3.014
3.313
3.527
3.758
4.177
3.472
8.00%
7.77%
—
18.03
NII grth%
7.97
5.71
5.77
6.98
5.56
3.25
3.03
2.09
2.07
4.09
13.74
3.03
4.83
68
18.27
ROTE%
25.45
23.24
23.10
22.82
23.43
22.41
23.53
25.88
28.40
29.53
27.89
25.88
23.48
48
24.36
Return on equity%
11.17
8.64
10.01
11.59
9.44
11.48
9.25
7.21
6.83
8.62
15.56
8.62
9.35
7
15.29
Return on assets%
2.89
3.91
1.55
0.44
1.53
3.77
4.04
6.53
7.22
8.11
7.25
6.53
3.84
71
7.62
EPS₹
15.16
14.03
15.93
15.99
16.67
18.24
20.24
20.97
22.42
22.59
8.50
6.27%
3.66%
—
11.52
EPS growth%
25.74
24.14
26.40
28.95
30.33
30.84
29.29
30.38
28.07
27.82
9.60
29.29
28.51
94
17.82
Bookvalue per sh₹
15.56
16.65
15.51
14.73
15.29
15.85
15.87
14.15
14.77
16.61
6.80
1.67%
0.73%
—
4.11
TBV/sh₹
6.48
6.49
6.76
7.97
9.16
10.80
10.94
13.16
13.19
13.52
6.55
8.11%
9.17%
—
7.24
Dividend per sh₹
4.47
4.85
4.90
5.59
6.59
6.99
6.82
8.06
8.61
9.39
8.44
7.34%
7.49%
—
28.72
Div yield (avg)%
29.26
27.42
26.10
25.83
24.56
25.91
27.01
24.66
24.99
22.76
14.47
24.99
25.87
75
3.53
Payout ratio%
27.68
29.86
32.78
31.43
29.07
29.01
27.83
29.12
28.89
26.22
13.12
28.89
29.04
11
108.5
Shares (diluted)M
97.50
105.2
96.97
103.5
103.3
92.73
88.36
77.00
72.14
64.79
106.0
(8.90%)
(5.13%)
83
27.33
Buyback yield%
26.21
28.10
25.51
23.08
24.85
24.26
24.56
27.03
27.04
26.06
25.18
26.06
25.79
78
57.18
Eq/Assets%
43.70
45.30
49.67
57.56
60.00
64.31
64.18
62.66
73.47
74.66
81.04
64.31
61.33
30
3.235
Assets₹B
3.550
4.010
4.312
4.623
5.119
5.385
5.853
6.496
6.825
7.771
1.597
8.71%
9.42%
60
2.286
LT debt₹B
3.535
3.857
4.133
4.207
5.005
5.416
6.085
6.770
6.800
7.525
2.441
8.50%
8.72%
85
Total assets
₹7.771B
9.42%
1.18×
Revenue
₹5.615B
7.61%
1.00×
Non-interest expense
₹3.307B
7.54%
0.99×
Net interest income
74.38%
Non-interest income
25.62%