26.80
Revenue₹M
124.8
134.4
142.9
152.8
159.7
170.7
183.9
195.9
207.6
224.5
27.99
7.05%
6.78%
76
14.80
Revenue growth%
0.40
3.37
4.69
3.32
3.25
1.09
1.09
2.63
0.40
0.40
25.48
1.09
1.86
37
13.42
NIM%
6.24
5.91
5.33
6.40
6.75
7.23
4.28
4.59
3.14
1.90
11.73
4.28
5.62
73
7.05
Effic. R.%
28.54
28.49
25.52
25.69
25.04
22.82
20.59
23.52
23.20
24.59
13.50
23.20
24.81
15
23.64
Net margin%
23.01
23.28
23.65
25.61
27.72
28.66
30.03
32.55
32.93
30.18
25.12
30.18
28.19
50
13.62
P/E ratio (avg)x
31.65
32.03
34.40
34.58
39.32
39.06
43.47
48.74
48.11
47.34
25.29
47.34
39.19
53
25.77
P/TBVx
12.34
10.94
9.293
8.246
8.956
8.269
8.194
8.608
7.442
7.541
36.48
8.194
8.438
84
20.35
P/Bx
42.05
41.00
38.71
38.35
40.16
41.01
41.09
45.60
48.77
51.98
23.85
45.60
41.05
51
163.3
NII₹M
89.06
94.17
99.88
107.1
111.9
121.7
128.7
139.8
145.2
160.0
84.65
7.41%
6.99%
—
12.32
NII grth%
17.88
19.68
21.84
21.80
24.35
26.20
28.88
30.32
28.76
25.79
7.13
28.76
25.07
72
26.86
ROTE%
18.68
18.95
18.51
17.83
16.56
14.36
16.06
14.19
16.89
19.22
14.12
16.06
17.36
91
10.75
Return on equity%
28.68
28.27
29.81
32.56
35.47
35.72
37.23
35.46
36.48
36.51
15.57
36.48
35.47
52
21.78
Return on assets%
17.26
16.54
19.03
18.01
20.97
23.79
22.80
20.31
21.75
19.39
22.32
21.75
19.85
51
0.55
EPS₹
1.07
1.10
1.13
1.24
1.21
1.26
1.16
1.04
1.08
1.06
0.56
(2.48%)
(1.31%)
—
9.30
EPS growth%
25.73
23.75
25.68
27.92
26.38
28.25
29.16
29.03
26.35
23.55
17.50
28.25
26.37
20
0.62
Bookvalue per sh₹
1.73
1.83
1.83
1.82
1.92
2.14
2.40
2.74
2.91
2.92
1.00
8.68%
5.74%
—
0.35
TBV/sh₹
1.99
2.07
2.35
2.30
2.62
2.68
2.56
2.86
2.78
2.79
1.10
1.20%
3.78%
—
0.69
Dividend per sh₹
1.43
1.45
1.60
1.73
1.95
2.03
2.33
2.20
2.19
2.05
0.43
1.00%
5.03%
—
25.03
Div yield (avg)%
8.82
6.90
5.86
7.15
6.65
8.43
7.44
8.84
6.50
8.13
21.11
8.13
7.29
79
23.50
Payout ratio%
18.54
21.11
24.06
22.41
22.22
20.93
20.70
20.57
21.96
21.43
28.08
20.93
21.27
69
55.00
Shares (diluted)M
78.62
86.22
95.46
97.17
99.22
98.28
101.5
114.9
114.7
132.0
55.10
5.87%
6.61%
89
20.59
Buyback yield%
12.35
14.28
14.07
12.77
9.94
7.37
5.40
7.83
6.14
4.10
9.28
6.14
8.88
14
28.02
Eq/Assets%
104.63
107.43
96.61
96.42
99.19
104.93
91.10
82.87
80.59
73.37
46.01
82.87
96.51
60
43.95
Assets₹M
430.0
474.3
512.5
570.1
607.3
677.6
731.5
794.5
857.0
936.0
18.05
9.04%
8.55%
36
120.7
LT debt₹M
144.5
139.6
131.9
129.3
127.1
132.2
129.1
130.7
131.8
145.4
179.7
2.73%
(0.83%)
40
Total assets
₹936.0M
8.55%
1.18×
Revenue
₹224.5M
6.78%
1.00×
Non-interest expense
₹102.6M
6.89%
1.01×
Net interest income
71.25%
Non-interest income
28.75%