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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹10,899 Cr on total income of ₹40,793 Cr.
Cost-to-income ratio at 47.0%. Provision coverage at 10.2% of income.
“ending the year with a growth of around 24% to 25%.”
“Bank has reached all time high quarterly net profit of INR 1365 crores with 56.18% year on year increase”
“second consecutive quarter, we have shown growth of net profit by more than 50%. For September, it was 57% and for 2018, 56%.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 14.5%▲ | 12.6% |
| Net Margin | 8.3%▼ | 12.3% |
| EBITDA Margin | 67.6%▼ | 68.7% |
| Debt To Equity | 9.91x▲ | 7.75x |
| Rev Growth 3yr | 16.0%▼ | 17.4% |
| EPS Growth 3yr | 25.1%▼ | 35.5% |
| NIM | 4.4%▼ | 390.0% |
| Cost To Income | 47.0% | - |
| Credit Deposit Ratio | 78.70x | 81.05x |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Interest on Advances | ₹22,751 Cr +12.7% | ₹20,183 Cr +14.8% | ₹17,577 Cr +33.6% | ₹13,151 Cr +23.3% | ₹10,666 Cr |
| Income on Investments | ₹7,423 Cr +5.4% | ₹7,042 Cr +18.3% | ₹5,952 Cr +1.7% | ₹5,850 Cr +3.1% | ₹5,676 Cr |
| ₹5,968 Cr +6.4% | ₹5,607 Cr -1.0% | ₹5,665 Cr +37.6% | ₹4,116 Cr -16.1% | ₹4,905 Cr | |
| Total Income | ₹37,013 Cr +9.7% | ₹33,750 Cr +13.5% | ₹29,731 Cr +26.4% | ₹23,523 Cr +8.7% | ₹21,641 Cr |
| Interest Expended | ₹18,813 Cr +9.1% | ₹17,244 Cr +21.2% | ₹14,227 Cr +27.6% | ₹11,146 Cr +7.0% | ₹10,419 Cr |
| Employee Cost | ₹4,816 Cr +3.1% | ₹4,669 Cr -24.0% | ₹6,143 Cr +49.7% | ₹4,102 Cr +17.6% | ₹3,489 Cr |
| Other Operating Expenses | ₹3,362 Cr +8.9% | ₹3,087 Cr +19.3% | ₹2,587 Cr +11.2% | ₹2,327 Cr +18.1% | ₹1,970 Cr |
| Provisions & Contingencies | ₹3,816 Cr -8.6% | ₹4,177 Cr +24.6% | ₹3,351 Cr -6.8% | ₹3,594 Cr -9.8% | ₹3,984 Cr |
| Total Expenditure | ₹26,991 Cr +8.0% | ₹25,001 Cr +8.9% | ₹22,957 Cr +30.6% | ₹17,576 Cr +10.7% | ₹15,878 Cr |
| Profit Before Tax | ₹6,206 Cr +35.7% | ₹4,573 Cr +33.6% | ₹3,423 Cr +45.4% | ₹2,353 Cr +32.3% | ₹1,779 Cr |
| Tax | ₹1,410 Cr +19.8% | ₹1,177 Cr +55.5% | ₹757 Cr +203.6% | ₹249 Cr +257.8% | ₹70 Cr |
| Net Profit | ₹4,797 Cr +41.3% | ₹3,396 Cr +27.4% | ₹2,666 Cr +26.7% | ₹2,104 Cr +23.1% | ₹1,709 Cr |
| Profit (Owners) | ₹4,956 Cr +46.0% | ₹3,396 Cr +27.4% | ₹2,666 Cr +26.7% | ₹2,104 Cr +23.1% | ₹1,709 Cr |
| EPS | ₹2.57 | ₹1.76 | ₹1.41 | ₹1.11 | ₹0.90 |
| Diluted Shares | ₹1,926 Cr | ₹1,926 Cr | ₹1,890 Cr | ₹1,890 Cr | ₹1,890 Cr |
| Other Interest | ₹664 Cr -9.7% | ₹735 Cr +145.4% | ₹300 Cr | ₹0.00 Cr -100.0% | ₹160 Cr |
| Non Performing Assets | ₹3,213 Cr +252.3% | ₹912 Cr -25.1% | ₹1,217 Cr | ₹0.00 Cr -100.0% | ₹3,825 Cr |
| Profit Loss Of Associates | ₹160 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Gross Non Performing Assets | ₹20,134 Cr +276.5% | ₹5,348 Cr -21.3% | ₹6,794 Cr | ₹0.00 Cr -100.0% | ₹15,299 Cr |
| Interest (RBI & Others) | ₹208 Cr +13.4% | ₹183 Cr -22.9% | ₹238 Cr -41.4% | ₹405 Cr +72.8% | ₹235 Cr |
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