Particulars

Mar 2016
Mar 2015
Mar 2014
Mar 2013
Mar 2012
Operational & Financial Ratios

Earnings Per Share (Rs)

16.73
19.28
84.94
72.17
56.09
DPS(Rs)
5.00
5.00
23.00
20.00
16.50
Book NAV/Share(Rs)
149.47
138.72
633.83
578.22
524.02
Margin Ratios

Yield on Advances
12.12
12.67
13.04
13.81

13.22
Yield on Investments

Cost of Liabilities
5.29
5.63
5.69
5.98
5.76
NIM
3.24
3.24
2.96
2.76
2.39
Interest Spread
6.83
7.04
7.35
7.82
7.46
Performance Ratios

ROA(%)
1.42
1.80
1.73
1.62
1.44
ROE(%)

ROCE(%)
8.57
10.64
10.82
10.04
9.48
Efficiency Ratios

Cost Income Ratio

34.70
36.83
38.32
40.58
43.05
Core Cost Income Ratio
38.73
38.75
39.44
41.39
42.87
Operating Costs to Assets
1.76
1.78
1.73
1.68
1.61
Capitalisation Ratios

Tier 1 ratio

Tier 2 ratio

NA
NA
NA
NA
NA
CAR
NA
NA
NA
NA
NA
Valuation Parameters

PER(x)
14.14
16.36
2.93
2.90
3.16
PCE(x)
13.22
15.49
13.89
13.73
14.72
Price/Book(x)
1.58
2.27
1.96
1.81
1.69
Yield(%)
2.11
1.59
1.85
1.91
1.86
EV/Net Sales(x)
5.92

7.24
6.76
6.64
7.23
EV/Core EBITDA(x)
13.09
18.01
17.99
20.15
23.34
EV/EBIT(x)
7.15
7.74
7.17
7.07
7.67
EV/CE(x)
0.43
0.55
0.50
0.50
0.50
M Cap / Sales
2.61
3.72
3.26
3.01
3.05
Growth Ratio

Core Operating Income Growth

11.47
15.56
18.82
29.18
19.04
Operating Profit Growth

Net Profit Growth

-12.97
13.91
17.84
28.77
25.51
BVPS Growth
7.74
-78.11
9.62
10.34
9.55
Advances Growth
12.32
14.41
16.69
14.39
17.27
EPS Growth(%)
-13.23
-77.31
17.69
28.68
25.40
Liquidity Ratios

Loans/Deposits(x)

Total Debt/Equity(x)
0.06
0.07
0.07

0.07
0.08
Current Ratio(x)
0.38
0.44
0.53
0.59
0.62
Quick Ratio(x)
41.48
47.69
46.63
49.67
54.86
Interest Cover(x)

Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPA in Rs. Million
NA
NA
NA
NA
NA