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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹24,714 Cr on total income of ₹97,796 Cr.
Cost-to-income ratio at 50.9%. Provision coverage at 4.1% of income.
“guidance for global advances growth would be at around 13 to 14%, and the global deposit growth would be at around 11 to 12% for f y twenty six”
“estimated net profit is around 10,000 crores.”
“guidance for global advances growth will be around 12 to 13%, and the global deposit growth will be around 10 to 11% for f y twenty six.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 11.7%▼ | 12.6% |
| Net Margin | 9.6%▼ | 12.3% |
| EBITDA Margin | 74.0%▲ | 68.7% |
| Debt To Equity | 10.24x▲ | 7.75x |
| Rev Growth 3yr | 20.2%▲ | 17.4% |
| EPS Growth 3yr | 35.1%▼ | 35.5% |
| NIM | 3.8%▼ | 390.0% |
| Cost To Income | 50.9% | - |
| Credit Deposit Ratio | 79.70x | 83.00x |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹52,793 Cr +4.9% | ₹50,337 Cr +16.7% | ₹43,126 Cr +28.5% | ₹33,549 Cr +29.1% | ₹25,987 Cr -5.7% | ₹27,548 Cr -4.9% | ₹28,977 Cr |
| Income on Investments | ₹18,118 Cr +4.2% | ₹17,384 Cr +22.0% | ₹14,246 Cr +18.4% | ₹12,034 Cr +7.9% | ₹11,155 Cr -4.2% | ₹11,648 Cr +8.3% | ₹10,757 Cr |
| ₹10,211 Cr +12.2% | ₹9,105 Cr +46.1% | ₹6,233 Cr -13.6% | ₹7,211 Cr -10.0% | ₹8,011 Cr +6.9% | ₹7,496 Cr +10.1% | ₹6,809 Cr | |
| Total Income | ₹84,730 Cr +5.4% | ₹80,412 Cr +19.5% | ₹67,306 Cr +22.1% | ₹55,143 Cr +19.1% | ₹46,291 Cr -4.3% | ₹48,350 Cr -2.1% | ₹49,400 Cr |
| Interest Expended | ₹49,688 Cr +6.6% | ₹46,594 Cr +23.4% | ₹37,757 Cr +37.6% | ₹27,441 Cr +13.9% | ₹24,083 Cr -8.8% | ₹26,421 Cr -2.8% | ₹27,191 Cr |
| Employee Cost | ₹10,509 Cr +1.2% | ₹10,387 Cr +12.1% | ₹9,263 Cr +9.6% | ₹8,453 Cr +18.9% | ₹7,112 Cr +8.9% | ₹6,529 Cr +5.4% | ₹6,197 Cr |
| Other Operating Expenses | ₹7,438 Cr +9.0% | ₹6,823 Cr +12.9% | ₹6,044 Cr +2.1% | ₹5,921 Cr +17.1% | ₹5,058 Cr +13.0% | ₹4,477 Cr +1.4% | ₹4,416 Cr |
| Provisions & Contingencies | ₹3,552 Cr -12.3% | ₹4,050 Cr -0.0% | ₹4,050 Cr -44.0% | ₹7,230 Cr +62.0% | ₹4,464 Cr -41.6% | ₹7,645 Cr -52.7% | ₹16,166 Cr |
| Total Expenditure | ₹67,635 Cr +6.0% | ₹63,804 Cr +20.2% | ₹53,063 Cr +26.9% | ₹41,814 Cr +15.3% | ₹36,254 Cr -3.1% | ₹37,427 Cr -1.0% | ₹37,804 Cr |
| Profit Before Tax | ₹13,025 Cr +3.7% | ₹12,558 Cr +23.2% | ₹10,193 Cr +67.1% | ₹6,099 Cr +9.4% | ₹5,574 Cr +70.0% | ₹3,278 Cr ↑ Recovery | (₹4,570 Cr) |
| Exceptional Items | (₹519 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Tax | ₹3,337 Cr +3.7% | ₹3,219 Cr -15.5% | ₹3,809 Cr +71.8% | ₹2,217 Cr +2.3% | ₹2,168 Cr +100.9% | ₹1,079 Cr ↑ Recovery | (₹1,640 Cr) |
| Net Profit | ₹9,687 Cr +3.7% | ₹9,339 Cr +46.3% | ₹6,385 Cr +64.5% | ₹3,882 Cr +14.0% | ₹3,406 Cr +54.9% | ₹2,199 Cr ↑ Recovery | (₹2,929 Cr) |
| Profit (Owners) | ₹9,821 Cr +2.9% | ₹9,548 Cr +45.5% | ₹6,564 Cr +71.0% | ₹3,838 Cr +9.9% | ₹3,493 Cr +67.7% | ₹2,083 Cr ↑ Recovery | (₹3,051 Cr) |
| Minority Interest | ₹2 Cr -44.5% | ₹4 Cr +84.4% | ₹2 Cr +52.9% | ₹1 Cr ↑ Recovery | (₹5 Cr) -140.6% | (₹2 Cr) -995.0% | (₹0.20 Cr) |
| EPS | ₹21.58 | ₹20.97 | ₹14.42 | ₹9.35 | ₹8.51 | ₹6.36 | (₹9.31) |
| Diluted Shares | ₹455 Cr | ₹455 Cr | ₹455 Cr | ₹410 Cr | ₹410 Cr | ₹328 Cr | ₹328 Cr |
| Other Interest | ₹399 Cr +4.8% | ₹381 Cr -53.2% | ₹815 Cr +20.9% | ₹674 Cr +34.7% | ₹501 Cr -0.4% | ₹503 Cr +21.8% | ₹413 Cr |
| Profit Loss Of Associates | ₹135 Cr -36.3% | ₹213 Cr +16.8% | ₹182 Cr ↑ Recovery | (₹43 Cr) ↓ Decline | ₹81 Cr ↑ Recovery | (₹118 Cr) +3.0% | (₹122 Cr) |
| Interest (RBI & Others) | ₹3,208 Cr +0.1% | ₹3,206 Cr +11.1% | ₹2,886 Cr +72.4% | ₹1,675 Cr +162.6% | ₹638 Cr -44.8% | ₹1,155 Cr -52.7% | ₹2,444 Cr |
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