4.943
Revenue₹B
8.445
8.622
9.149
9.374
9.610
9.813
10.37
10.66
11.25
11.58
5.204
3.80%
3.51%
78
11.50
Revenue growth%
25.63
27.52
30.10
29.03
26.94
25.50
23.21
20.72
20.66
21.30
16.04
21.30
25.56
31
16.74
NIM%
16.87
15.34
13.14
12.54
11.84
11.42
14.15
11.79
9.98
7.40
25.84
11.42
12.19
70
28.36
Effic. R.%
15.85
13.95
13.18
10.86
8.14
8.72
6.73
8.29
8.48
10.79
3.79
8.48
9.76
90
18.53
Net margin%
21.08
21.47
19.71
17.09
17.79
19.18
19.05
16.36
17.33
15.24
10.98
17.33
18.42
51
34.51
P/E ratio (avg)x
5.779
6.202
5.710
6.066
6.459
6.086
6.294
6.364
6.404
6.372
33.97
6.364
6.248
69
14.04
P/TBVx
14.63
13.93
16.26
16.20
18.27
17.86
17.00
18.49
18.91
21.64
13.69
18.49
17.43
42
30.89
P/Bx
17.60
18.55
20.57
20.65
17.99
16.28
14.61
15.20
15.80
15.02
13.54
15.20
16.94
41
4.911
NII₹B
5.689
5.786
6.185
6.284
6.378
6.508
7.061
7.082
7.662
7.773
2.282
4.04%
3.47%
—
25.17
NII grth%
18.46
18.23
19.62
20.61
22.15
23.53
21.77
19.63
17.57
17.45
14.36
19.63
19.62
89
29.30
ROTE%
18.40
19.39
19.53
19.27
21.26
20.33
21.87
22.12
20.33
17.88
3.13
20.33
19.93
35
7.90
Return on equity%
9.48
6.79
7.46
6.77
6.35
5.19
5.72
8.26
8.85
9.46
7.14
8.26
7.13
22
11.49
Return on assets%
12.61
11.85
12.43
14.70
16.53
17.74
15.23
16.74
14.63
15.84
23.74
15.84
14.96
31
2.15
EPS₹
3.20
3.36
3.59
3.75
4.36
4.40
5.13
5.64
5.91
6.22
2.37
7.35%
8.22%
—
18.25
EPS growth%
19.22
20.99
20.87
19.63
16.89
15.02
16.50
15.86
13.74
12.31
25.13
15.02
16.70
21
2.34
Bookvalue per sh₹
0.81
0.84
0.87
0.81
0.85
0.76
0.75
0.75
0.68
0.64
1.12
(5.62%)
(2.40%)
—
1.14
TBV/sh₹
1.26
1.31
1.38
1.46
1.45
1.40
1.42
1.41
1.53
1.44
1.23
(0.07%)
1.79%
—
0.66
Dividend per sh₹
3.28
2.87
2.94
2.64
2.48
2.31
2.18
2.02
1.92
1.96
1.22
(4.62%)
(5.02%)
—
15.51
Div yield (avg)%
26.54
27.27
26.13
24.88
22.13
22.29
23.00
20.03
17.44
17.54
5.48
20.03
22.65
45
9.00
Payout ratio%
22.64
21.58
18.93
17.08
16.24
17.54
17.42
19.08
21.98
22.75
25.51
19.08
19.00
16
1.741
Shares (diluted)B
3.348
3.965
4.465
4.714
4.925
5.582
6.320
6.605
6.771
7.851
1.791
9.77%
10.51%
90
8.01
Buyback yield%
13.77
12.23
14.14
12.38
9.92
11.13
11.91
14.76
14.59
14.40
24.07
14.40
13.08
20
130.88
Eq/Assets%
92.42
94.07
94.76
97.26
93.59
89.93
91.09
90.39
90.08
81.10
102.85
90.08
91.75
37
8.061
Assets₹B
1.624
1.732
1.759
1.995
2.169
2.319
2.543
2.778
2.951
3.273
4.783
8.58%
8.70%
94
8.411
LT debt₹B
1.604
1.523
1.435
1.306
1.394
1.404
1.230
1.291
1.183
1.227
8.240
(2.52%)
(4.30%)
69
Total assets
₹3.273B
8.70%
1.63×
Revenue
₹11.58B
3.51%
1.00×
Non-interest expense
₹6.970B
3.32%
0.98×
Net interest income
67.11%
Non-interest income
32.89%
Return on capital
298.44%
Spread over hurdle
285.18%