The Federal Bank, 500469, FEDERALBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,546.17
16.65
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

22,738.22
1.27%
1.24

Chart

Price | P:E | P:BV | EV:EBITDA

NII CAGR (%)

10 Years
5 Years
3 Years

10.54
9.96
12.68

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-3.98
-18.64
-

PAT CAGR (%)

10 Years
5 Years
3 Years

5.79
0.94
22.71

P:E (Median)

8 Years
5 Years
3 Years

11.90
15.93
20.85

P:BV (Average)

8 Years
5 Years
3 Years

1.37
1.45
1.50

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.37
9.15
8.76

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 18 Sep 17 Var% Jun 18 Jun 17 Var% Mar 18 Mar 17 Var% Dec 17 Dec 16 Var%
Interest Earned 2,764.92 2,379.60 16.19% 2,667.38 2,324.09 14.77% 2,547.97 2,315.95 10.02% 2,501.20 2,281.42 9.63%
Interest Exp. 1,742.45 1,480.69 17.68% 1,687.32 1,523.42 10.76% 1,614.75 1,473.56 9.58% 1,551.20 1,490.03 4.11%
Net Interest Income 1,022.47 898.91 13.75% 980.06 800.67 22.40% 933.22 842.39 10.78% 950.00 791.39 20.04%
NIM 3.15 3.31 -4.83% 3.12 3.13 -0.32% 3.11 3.42 -9.06% 3.33 3.32 0.30%
Other Income 322.89 287.22 12.42% 270.86 329.10 -17.70% 314.17 282.11 11.36% 228.63 275.41 -16.99%
Total Income 3,087.81 2,666.82 15.79% 2,938.24 2,653.19 10.74% 2,862.14 2,598.06 10.16% 2,729.83 2,556.83 6.77%
Operating Exp. 647.76 602.92 7.44% 648.00 571.92 13.30% 658.82 575.29 14.52% 617.23 591.90 4.28%
Operating Profit 697.60 583.21 19.61% 602.92 557.85 8.08% 588.57 549.21 7.17% 561.40 474.90 18.21%
Provision 288.82 176.77 63.39% 199.15 236.44 -15.77% 371.53 122.70 202.80% 162.43 158.82 2.27%
PBT 408.78 406.44 0.58% 403.77 321.41 25.62% 217.04 426.51 -49.11% 398.97 316.08 26.22%
PBTM 14.78 17.08 -13.47% 15.14 13.83 9.47% 8.52 18.42 -53.75% 15.95 13.85 15.16%
TAX 142.74 142.74 0.00% 141.06 111.26 26.78% 72.05 169.92 -57.60% 138.96 110.43 25.84%
PAT 266.04 263.70 0.89% 262.71 210.15 25.01% 144.99 256.59 -43.49% 260.01 205.65 26.43%
PATM 9.62% 11.08% 9.85% 9.04% 5.69% 11.08% 10.40% 9.01%
EPS 1.34 1.35 -0.74% 1.33 1.08 23.15% 0.74 1.49 -50.34% 1.32 1.19 10.92%
Gross NPA 3,184.53 1,948.97 63.40% 2,868.82 1,867.94 53.58% 2,795.62 1,727.05 61.87% 2,161.19 1,951.55 10.74%
Gross NPA% 3.11 2.39 30.13% 3.00 2.42 23.97% 3.00 2.33 28.76% 2.52 2.77 -9.03%
Net NPA 1,796.29 1,066.38 68.45% 1,620.22 1,061.26 52.67% 1,551.96 941.20 64.89% 1,156.68 1,102.37 4.93%
Net NPA% 1.78 1.32 34.85% 1.72 1.39 23.74% 1.69 1.28 32.03% 1.36 1.58 -13.92%
CASA 33.39 32.93 1.40% 33.47 33.44 0.09% 33.26 32.60 2.02% 32.96 34.66 -4.90%

Description Jun 18 Jun 17 Var% Mar 18 Mar 17 Var% Dec 17 Dec 16 Var% Sep 17 Sep 16 Var%
Interest Earned 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Interest Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Exp. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Profit 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Provision 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBTM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
TAX 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gross NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net NPA% 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income 3,885.75 3,582.81 3,052.64 2,504.24 2,380.41 2,228.61 1,974.66 1,953.40 1,746.58 1,410.84 1,315.46 Interest Earned 10,481.47 9,752.86 8,677.38 7,744.69 7,419.47 6,946.08 6,167.57 5,558.39 4,052.03 3,673.24 3,315.38 Interest Expended 6,595.72 6,170.05 5,624.74 5,240.45 5,039.06 4,717.47 4,192.91 3,604.99 2,305.45 2,262.40 1,999.92 Int. income Growth 16.57% 17.37% 21.90% 5.20% 6.81% 12.86% 1.09% 11.84% 23.80% 7.25% Other Income 1,136.55 1,159.12 1,081.81 786.38 878.31 693.85 664.44 532.34 516.81 530.91 515.78 Total Income 11,618.02 4,741.93 4,134.45 3,290.62 3,258.72 2,922.46 2,639.10 2,485.74 2,263.39 1,941.75 1,831.24 Total Expenditure 2,571.81 3,274.91 2,705.78 2,465.52 1,663.08 1,616.73 1,366.64 1,259.58 1,307.32 1,032.01 995.38 Employee Cost - 1,242.47 1,163.75 1,052.85 891.96 771.54 631.46 543.85 480.41 366.05 317.45 % Of Sales - 12.74% 13.41% 13.59% 12.02% 11.11% 10.24% 9.78% 11.86% 9.97% 9.58% Opt. & Establishment Exp. - 1,331.61 1,167.96 919.44 813.56 764.26 631.78 492.08 409.99 361.04 296.85 % Of Sales - 13.65% 13.46% 11.87% 10.97% 11.00% 10.24% 8.85% 10.12% 9.83% 8.95% Provisions - 947.17 618.41 704.13 106.74 268.41 260.80 336.97 525.44 405.30 466.76 % Of Sales - 9.71% 7.13% 9.09% 1.44% 3.86% 4.23% 6.06% 12.97% 11.03% 14.08% EBITDA 2,450.49 1,467.02 1,428.67 825.10 1,595.64 1,305.73 1,272.46 1,226.16 956.07 909.74 835.86 EBITDA Margin 75.46% 40.95% 46.80% 32.95% 67.03% 58.59% 64.44% 62.77% 54.74% 64.48% 63.54% Depreciation 0.00 123.17 122.17 105.45 74.59 93.74 78.70 56.66 54.26 50.19 42.84 PBT 1,428.56 1,343.86 1,306.50 719.65 1,521.04 1,211.99 1,193.76 1,169.51 901.81 859.55 793.01 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 494.81 465.01 475.71 244.00 515.29 373.10 355.59 392.71 314.73 395.00 292.52 Tax Rate 34.64% 34.60% 36.41% 33.91% 33.88% 30.78% 29.79% 33.58% 34.90% 45.95% 36.89% PAT 933.75 878.85 830.79 475.65 1,005.75 838.89 838.17 776.80 587.08 464.55 500.49 PAT before Minority Interest 933.75 878.85 830.79 475.65 1,005.75 838.89 838.17 776.80 587.08 464.55 500.49 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.59% 18.53% 20.09% 14.45% 30.86% 28.70% 31.76% 31.25% 25.94% 23.92% 27.33% PAT Growth -0.25% 5.78% 74.66% -52.71% 19.89% 0.09% 7.90% 32.32% 26.38% -7.18% Unadjusted EPS 4.73 4.62 4.83 2.77 5.87 9.81 9.80 45.41 34.32 27.16 29.26

Description TTM Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Net Interest Income - 3,688.48 3,130.69 2,566.93 2,431.44 2,277.94 2,037.38 1,975.05 1,747.54 1,411.47 1,316.14 Interest Earned - 9,914.90 8,783.27 7,826.28 7,487.77 7,005.70 6,246.32 5,581.72 4,052.03 3,673.24 3,315.38 Interest Expended - 6,226.42 5,652.58 5,259.35 5,056.33 4,727.76 4,208.94 3,606.67 2,304.49 2,261.77 1,999.24 Int. income Growth - 17.82% 21.96% 5.57% 6.74% 11.81% 3.16% 13.02% 23.81% 7.24% Other Income - 1,160.21 1,083.77 808.36 878.54 685.18 664.64 532.20 518.33 532.55 516.02 Total Income - 4,848.69 4,214.46 3,375.29 3,309.98 2,963.12 2,702.02 2,507.25 2,265.87 1,944.02 1,832.16 Total Expenditure - 3,330.77 2,748.58 2,528.60 1,700.92 1,663.51 1,409.67 1,284.21 1,307.50 1,031.65 996.05 Employee Cost - 1,276.82 1,189.34 1,074.21 913.05 795.43 652.71 559.45 485.69 369.93 320.73 % Of Sales - 12.88% 13.54% 13.73% 12.19% 11.35% 10.45% 10.02% 11.99% 10.07% 9.67% Opt. & Establishment Exp. - 1,352.65 1,187.07 965.56 841.65 795.93 658.34 507.35 405.33 356.49 294.56 % Of Sales - 13.64% 13.52% 12.34% 11.24% 11.36% 10.54% 9.09% 10.00% 9.71% 8.88% Provisions - 950.76 619.99 705.17 105.20 267.87 263.54 334.89 525.44 406.03 466.76 % Of Sales - 9.59% 7.06% 9.01% 1.40% 3.82% 4.22% 6.00% 12.97% 11.05% 14.08% EBITDA - 1,517.92 1,465.88 846.69 1,609.06 1,299.61 1,292.35 1,223.04 958.37 912.37 836.11 EBITDA Margin - 41.15% 46.82% 32.98% 66.18% 57.05% 63.43% 61.92% 54.84% 64.64% 63.53% Depreciation - 124.73 123.91 108.17 79.49 97.86 82.46 58.74 54.48 50.40 43.00 PBT - 1,393.19 1,341.98 738.51 1,529.57 1,201.75 1,209.89 1,164.30 903.89 861.97 793.10 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax - 483.55 488.66 250.61 517.48 372.83 359.68 392.79 315.42 395.00 292.57 Tax Rate - 34.71% 36.41% 33.93% 33.83% 31.02% 29.73% 33.74% 34.90% 45.83% 36.89% PAT - 909.64 853.32 487.90 1,012.09 828.92 850.21 771.50 588.47 466.97 500.53 PAT before Minority Interest - 909.64 853.32 487.90 1,012.09 828.92 850.21 771.50 588.47 466.97 500.53 Minority Interest - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin - 18.76% 20.25% 14.46% 30.58% 27.97% 31.47% 30.77% 25.97% 24.02% 27.32% PAT Growth - 6.60% 74.90% -51.79% 22.10% -2.50% 10.20% 31.10% 26.02% -6.70% Unadjusted EPS - 4.92 5.04 2.83 6.17 9.93 9.97 44.07 32.53 25.71 27.60

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 12,210.24 8,942.38 8,091.22 7,738.14 6,950.59 6,364.66 5,706.33 5,108.66 4,690.45 4,325.88 Share Capital 394.43 344.81 343.79 171.33 171.06 171.06 171.05 171.05 171.03 171.03 Total Reserves 11,815.81 8,597.57 7,747.43 7,566.80 6,779.53 6,193.60 5,535.28 4,937.61 4,519.42 4,154.84 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 111,992.49 97,664.56 79,171.71 70,824.99 59,731.28 57,614.86 48,937.12 43,014.78 36,057.95 32,198.19 Borrowings 11,533.50 5,897.32 5,114.57 2,308.24 5,687.96 5,186.99 4,241.03 1,888.36 1,546.76 1,218.94 Other Liabilities & Provisions 2,577.73 2,472.66 2,203.88 1,979.11 2,224.32 1,866.43 1,742.29 1,444.56 1,380.45 1,107.86 Total Liabilities 138,313.96 114,976.92 94,581.38 82,850.48 74,594.15 71,032.94 60,626.77 51,456.36 43,675.61 38,850.87 Net Block 448.08 474.54 504.22 440.05 402.33 397.47 326.14 289.82 289.77 280.78 Gross Block 1,317.15 1,265.99 1,188.96 1,027.08 917.38 831.93 691.31 606.23 559.26 516.40 Accumulated Depreciation 869.07 791.45 684.74 587.03 515.04 434.46 365.17 316.41 269.49 235.62 Total Non-Current Assets 132,399.32 109,474.00 89,185.42 77,100.43 72,508.28 69,371.15 59,017.17 50,529.02 43,017.92 38,228.73 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 9.29 14.92 15.76 26.58 22.62 2.40 0.00 0.00 0.00 0.00 Cash and balance with RBI 5,132.76 4,576.57 3,774.54 3,379.54 3,104.29 2,742.50 2,424.15 2,935.05 2,318.88 2,214.40 Balance with banks and money at call 4,070.65 2,875.61 1,645.27 1,400.45 1,425.09 977.49 1,108.40 813.25 404.51 1,222.70 Investments 30,781.07 28,196.09 25,155.49 20,568.82 24,117.85 21,154.59 17,402.49 14,537.67 13,054.65 12,118.97 Advances 91,957.47 73,336.27 58,090.14 51,284.99 43,436.10 44,096.70 37,755.99 31,953.23 26,950.11 22,391.88 Other Assets 5,914.63 5,502.93 5,395.95 5,750.04 2,085.86 1,661.79 1,609.61 927.34 657.69 622.15 Total Assets 138,313.95 114,976.93 94,581.37 82,850.47 74,594.14 71,032.94 60,626.78 51,456.36 43,675.61 38,850.88 Contingent Liabilities 26,815.17 23,235.14 20,253.57 17,214.82 23,481.99 30,245.92 35,849.40 22,112.75 9,736.38 7,588.28 Bills for collection 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 1,226.62 1,189.31 912.52 849.34 788.82 Adjusted Book Value 61.89 51.84 47.04 45.14 40.08 36.59 32.66 29.30 27.04 25.05

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 12,274.23 8,951.37 8,064.13 7,700.27 6,860.71 6,263.92 5,592.29 5,017.70 4,630.10 4,290.41 Share Capital 394.43 344.81 343.79 171.33 171.06 171.06 171.05 171.05 171.03 171.03 Total Reserves 11,879.81 8,606.56 7,720.34 7,528.94 6,689.65 6,092.86 5,421.25 4,846.65 4,459.07 4,119.38 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 111,970.10 97,662.08 79,170.90 70,822.69 59,729.04 57,611.17 48,934.73 42,988.45 36,049.29 32,192.31 Borrowings 12,328.84 6,345.49 5,236.32 2,392.98 5,767.54 5,239.05 4,266.04 1,888.36 1,546.76 1,218.94 Other Liabilities & Provisions 2,640.50 2,526.80 2,234.39 1,992.35 2,287.55 1,878.82 1,751.17 1,448.33 1,379.19 1,106.60 Total Liabilities 139,213.67 115,485.74 94,705.74 82,908.29 74,644.84 70,992.96 60,544.23 51,342.84 43,605.34 38,808.26 Net Block 451.73 477.40 507.88 446.10 413.84 412.08 337.03 292.92 290.37 281.58 Gross Block 1,338.55 1,285.37 1,207.78 1,046.03 939.42 852.47 704.93 609.97 560.27 517.40 Accumulated Depreciation 886.82 807.97 699.90 599.93 525.58 440.39 367.89 317.05 269.91 235.82 Total Non-Current Assets 133,262.14 109,945.47 89,287.02 77,135.75 72,513.04 69,322.92 58,923.28 50,408.23 42,945.83 38,184.20 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 9.62 14.94 15.76 26.58 22.62 2.40 0.00 0.00 0.00 0.00 Cash and balance with RBI 5,136.79 4,578.27 3,776.96 3,381.98 3,108.37 2,748.86 2,429.68 2,936.35 2,318.88 2,214.40 Balance with banks and money at call 4,058.43 2,876.37 1,646.18 1,402.46 1,425.81 977.67 1,108.70 813.25 404.59 1,222.83 Investments 30,594.68 27,912.26 24,920.47 20,349.44 23,838.59 20,854.49 17,102.02 14,407.90 12,981.88 12,073.51 Advances 93,010.89 74,086.23 58,419.77 51,529.19 43,703.81 44,327.42 37,945.85 31,957.81 26,950.11 22,391.88 Other Assets 5,951.55 5,540.26 5,418.71 5,772.54 2,131.80 1,670.03 1,620.96 934.61 659.52 624.07 Total Assets 139,213.69 115,485.73 94,705.73 82,908.29 74,644.84 70,992.95 60,544.24 51,342.84 43,605.35 38,808.27 Contingent Liabilities 26,815.71 23,235.69 20,254.12 17,215.15 23,481.99 30,245.92 35,849.40 22,112.75 9,736.38 7,588.28 Bills for collection 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 1,226.62 1,189.31 912.52 849.34 788.82 Adjusted Book Value 62.21 51.89 46.88 44.91 40.08 36.59 32.66 29.30 27.04 25.05

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity -4,697.34 3,756.99 -1,519.26 5,163.68 1,224.76 2,899.17 -800.95 1,268.50 -555.25 918.11 PBT 1,343.86 1,306.50 719.65 1,521.04 1,211.99 1,193.76 1,169.51 1,427.25 1,264.85 1,259.77 Adjustment 1,128.97 788.14 845.26 213.20 390.55 366.41 393.30 53.93 49.79 42.27 Adjustments for Liabilities & Assets -6,487.14 2,063.86 -3,046.46 4,033.30 263.11 1,831.07 -1,754.72 224.11 -1,450.98 -68.14 Refund/(Payment) of direct taxes -683.03 -401.51 -37.70 -603.87 -640.89 -492.06 -609.05 -436.79 -418.91 -315.80 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,576.61 -2,382.90 1,990.89 -1,364.17 -736.36 -3,479.27 -1,598.49 -144.21 -58.73 -155.76 Net Fixed Assets -45.53 -76.19 -151.06 -113.66 -105.67 -143.02 -85.08 -46.97 -42.86 -81.65 Other Investment Activity -3709.34 709.98 -2568.89 -1790.02 -4419.27 -2432.82 -835.52 -664.96 -715.02 -653.87 Cash from Financing Activity 8,025.03 658.71 168.17 -3,548.89 320.99 767.53 2,183.70 -99.38 -99.73 -70.74 Closing Cash & Equivalent 9,203.41 7,452.17 5,419.81 4,780.00 4,529.38 3,719.99 3,532.55 3,748.30 2,723.39 3,437.09 Net Cash Inflow / Outflow 1,751.08 2,032.80 639.80 250.62 809.39 187.44 -215.75 1,024.91 -713.71 691.61 Opening Cash & Equivalents 7,452.17 5,419.81 4,780.00 4,529.38 3,719.99 3,532.55 3,748.30 2,723.39 3,437.09 2,745.49

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity -5,050.93 3,430.66 -1,556.94 5,158.27 1,196.61 2,880.31 -966.56 1,272.45 -555.29 918.83 PBT 1,418.99 1,355.53 737.03 1,575.29 1,222.58 1,213.00 1,146.52 1,429.34 1,268.00 1,259.86 Adjustment 1,108.33 777.92 850.62 171.43 373.41 367.71 411.08 54.16 50.01 42.43 Adjustments for Liabilities & Assets -6,875.86 1,711.01 -3,101.38 4,017.86 242.29 1,799.71 -1,915.12 224.94 -1,453.09 -66.80 Refund/(Payment) of direct taxes -702.40 -413.79 -43.21 -606.32 -641.66 -500.11 -609.05 -435.98 -420.21 -316.66 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,579.27 -2,383.86 1,990.44 -1,364.28 -737.47 -3,486.73 -1,453.37 -146.94 -58.74 -156.35 Net Fixed Assets -45.53 -76.19 -151.06 -113.66 -105.67 -143.02 -85.08 -46.97 -42.86 -81.65 Other Investment Activity -3710.30 709.53 -2569.00 -1791.13 -4426.73 -2287.70 -838.25 -664.97 -715.61 -644.75 Cash from Financing Activity 8,370.62 985.13 205.18 -3,543.73 348.51 794.58 2,208.70 -99.38 -99.73 -70.74 Closing Cash & Equivalent 9,195.21 7,454.64 5,423.14 4,784.44 4,534.18 3,726.53 3,538.38 3,749.60 2,723.47 3,437.23 Net Cash Inflow / Outflow 1,740.42 2,031.93 638.69 250.27 807.64 188.16 -211.23 1,026.13 -713.76 691.74 Opening Cash & Equivalents 7,454.64 5,423.14 4,784.44 4,534.18 3,726.53 3,538.38 3,749.60 2,723.47 3,437.23 2,745.49

Financial Ratios

Consolidated /

Standalone

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 61.89 51.84 47.04 45.14 40.60 37.18 33.33 29.83 27.39 25.26 NIM 2.72 2.80 2.82 3.11 3.09 2.86 3.33 3.48 3.30 3.47 Yield on Advances 10.61 11.83 13.33 14.47 15.99 13.99 14.72 12.68 13.63 14.81 Yield on Investments 7.01 7.48 7.50 9.26 8.02 7.90 8.03 6.29 6.83 6.46 Cost of Liabilities 4.99 5.43 6.22 6.89 7.21 6.68 6.78 5.13 6.02 5.98 Interest Spread 5.61 6.40 7.11 7.58 8.78 7.31 7.94 7.55 7.61 8.82 ROCE 9.29% 10.89% 7.73% 17.04% 14.22% 14.41% 17.03% 15.80% 16.19% 17.92% Cost Income Ratio 51.69 53.44 56.73 50.05 49.34 44.88 39.40 36.94 34.86 31.21 Core Cost Income Ratio 54.43 57.75 59.02 54.31 52.13 48.68 40.74 37.70 36.91 32.69 Operating Costs to Assets 1.77 1.92 1.97 1.97 1.93 1.67 1.62 1.62 1.55 1.47 Loans/Deposits 0.10 0.06 0.06 0.03 0.10 0.09 0.09 0.04 0.04 0.04 Cash/Deposits 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.06 0.07 Investment/Deposits 0.27 0.29 0.32 0.29 0.40 0.37 0.36 0.34 0.36 0.38 Inc Loan/Deposits 10.30% 6.04% 6.46% 3.26% 9.52% 9.00% 8.67% 4.39% 4.29% 3.79% Credit Deposits 82.11% 75.09% 73.37% 72.41% 72.72% 76.54% 77.15% 74.28% 74.74% 69.54% Interest Expended / Interest earned 63.26% 64.82% 67.67% 67.92% 67.92% 67.98% 64.86% 56.90% 61.59% 60.32% Interest income / Total funds 7.05% 7.55% 8.19% 8.96% 9.31% 8.68% 9.17% 7.87% 8.41% 8.53% Interest Expended / Total funds 4.46% 4.89% 5.54% 6.08% 6.32% 5.90% 5.95% 4.48% 5.18% 5.15% CASA 33.65% 32.82% 32.91% 30.76% 31.25% 27.17% 27.54% 26.86% 26.19% 24.50%

Description Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 62.21 51.89 46.88 44.91 40.08 36.59 32.66 29.30 27.04 25.05 NIM 2.78 2.86 2.89 3.17 3.16 2.96 3.37 3.49 3.31 3.47 Yield on Advances 10.66 11.86 13.40 14.53 16.03 14.09 14.71 12.68 13.63 14.81 Yield on Investments 7.05 7.54 7.58 10.30 8.11 8.01 8.17 6.34 6.86 6.49 Cost of Liabilities 5.01 5.43 6.23 6.91 7.22 6.70 6.78 5.14 6.02 5.98 Interest Spread 5.65 6.42 7.17 7.63 8.81 7.39 7.93 7.54 7.61 8.82 ROCE 9.51% 11.13% 8.01% 17.24% 14.26% 14.81% 17.18% 16.01% 16.36% 18.00% Cost Income Ratio 51.66 53.45 57.23 50.61 50.40 45.47 40.21 36.92 34.77 31.24 Core Cost Income Ratio 54.34 57.67 59.47 54.85 53.21 49.22 41.57 37.68 36.81 32.72 Operating Costs to Assets 1.80 1.95 2.04 2.02 2.00 1.73 1.67 1.63 1.55 1.47 Loans/Deposits 0.11 0.06 0.07 0.03 0.10 0.09 0.09 0.04 0.04 0.04 Cash/Deposits 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.06 0.07 Investment/Deposits 0.27 0.29 0.31 0.29 0.40 0.36 0.35 0.34 0.36 0.38 Inc Loan/Deposits 11.01% 6.50% 6.61% 3.38% 9.66% 9.09% 8.72% 4.39% 4.29% 3.79% Credit Deposits 83.07% 75.86% 73.79% 72.76% 73.17% 76.94% 77.54% 74.34% 74.76% 69.56% Interest Expended / Interest earned 62.80% 64.36% 67.20% 67.53% 67.48% 67.38% 64.62% 56.87% 61.57% 60.30% Interest income / Total funds 7.12% 7.61% 8.26% 9.03% 9.39% 8.80% 9.22% 7.89% 8.42% 8.54% Interest Expended / Total funds 4.47% 4.89% 5.55% 6.10% 6.33% 5.93% 5.96% 4.49% 5.19% 5.15% CASA 33.64% 32.82% 32.91% 30.76% 31.25% 27.17% 27.54% 26.87% 26.19% 24.50%