Bank Of India, 532149, BANKINDIA Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

65,922.63
5.60
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,36,888.10
3.21%
0.79

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
-2.35

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
24.21
16.48

PAT CAGR (%)

10 Years
5 Years
3 Years

0.70
0.82

P:E (Median)

8 Years
5 Years
3 Years

6.43
7.42
6.90

P:BV (Average)

8 Years
5 Years
3 Years

0.62
0.70
0.82

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.91
4.21
6.55

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 19,949.32 18,352.19 8.70% 19,475.86 18,323.21 6.29% 18,927.13 18,210.52 3.94% 18,406.09 17,354.55 6.06%
Interest Exp. 13,116.78 12,284.08 6.78% 12,745.67 12,260.49 3.96% 12,466.44 12,140.21 2.69% 12,492.32 11,369.44 9.88%
Net Interest Income 6,832.54 6,068.11 12.60% 6,730.19 6,062.72 11.01% 6,460.69 6,070.31 6.43% 5,913.77 5,985.11 -1.19%
NIM 2.52 2.55 -1.18% 2.58 2.61 -1.15% 2.57 2.80 -8.21% 2.41 3.14 -23.25%
Other Income 2,579.15 2,166.10 19.07% 3,209.52 3,427.59 -6.36% 2,278.82 1,746.38 30.49% 2,219.83 2,517.65 -11.83%
Total Income 22,528.47 20,518.29 9.80% 22,685.38 21,750.80 4.30% 21,205.95 19,956.90 6.26% 20,625.92 19,872.20 3.79%
Operating Exp. 4,360.61 4,224.83 3.21% 4,914.00 4,605.48 6.70% 4,546.72 4,114.12 10.52% 4,312.75 4,355.36 -0.98%
Operating Profit 5,051.08 4,009.38 25.98% 5,025.71 4,884.83 2.88% 4,192.79 3,702.57 13.24% 3,820.85 4,147.40 -7.87%
Provision 963.60 1,096.08 -12.09% 989.76 1,337.66 -26.01% 575.99 303.70 89.66% 441.24 1,043.04 -57.70%
PBT 4,087.48 2,913.30 40.30% 4,035.95 3,547.17 13.78% 3,616.80 3,398.87 6.41% 3,379.61 3,104.36 8.87%
PBTM 20.49 15.87 29.11% 20.72 19.36 7.02% 19.11 18.66 2.41% 18.36 17.89 2.63%
TAX 1,019.58 661.18 54.21% 1,020.16 921.26 10.74% 912.13 882.18 3.39% 825.04 730.67 12.92%
PAT 3,067.90 2,252.12 36.22% 3,015.79 2,625.91 14.85% 2,704.67 2,516.69 7.47% 2,554.57 2,373.69 7.62%
PATM 15.38% 12.27% 15.48% 14.33% 14.29% 13.82% 13.88% 13.68%
EPS 6.74 4.95 36.16% 6.62 5.77 14.73% 5.94 5.53 7.41% 5.61 5.21 7.68%
Gross NPA 14,453.54 19,640.20 -26.41% 15,306.01 21,748.89 -29.62% 16,714.40 24,048.48 -30.50% 18,014.27 27,455.33 -34.39%
Gross NPA% 1.81 2.92 -38.01% 1.98 3.27 -39.45% 2.26 3.69 -38.75% 2.54 4.41 -42.40%
Net NPA 4,018.59 4,949.89 -18.81% 4,249.97 5,358.49 -20.69% 4,359.25 5,410.05 -19.42% 4,530.20 5,647.92 -19.79%
Net NPA% 0.51 0.75 -32.00% 0.56 0.82 -31.71% 0.60 0.85 -29.41% 0.65 0.94 -30.85%
CASA 36.68 39.88 -8.02% 37.64 40.28 -6.55% 37.97 41.05 -7.50% 39.39 41.18 -4.35%

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 20,096.90 18,466.61 8.83% 19,573.37 18,478.96 5.92% 19,051.83 18,317.30 4.01% 18,521.48 17,465.81 6.04%
Interest Exp. 13,155.84 12,320.83 6.78% 12,784.57 12,332.62 3.66% 12,504.24 12,165.79 2.78% 12,529.86 11,402.82 9.88%
Net Interest Income 6,941.06 6,145.78 12.94% 6,788.80 6,146.34 10.45% 6,547.59 6,151.51 6.44% 5,991.62 6,062.99 -1.18%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 2,615.38 2,211.01 18.29% 3,279.50 3,454.59 -5.07% 2,327.38 1,780.38 30.72% 2,218.39 2,531.75 -12.38%
Total Income 22,712.28 20,677.62 9.84% 22,852.87 21,933.55 4.19% 21,379.21 20,097.68 6.38% 20,739.87 19,997.56 3.71%
Operating Exp. 4,418.45 4,286.87 3.07% 4,986.77 4,683.41 6.48% 4,619.40 4,168.71 10.81% 4,357.53 4,394.11 -0.83%
Operating Profit 5,137.99 4,069.92 26.24% 5,081.53 4,917.52 3.34% 4,255.57 3,763.18 13.08% 3,852.48 4,200.63 -8.29%
Provision 971.12 1,112.12 -12.68% 1,002.18 1,366.26 -26.65% 582.05 316.53 83.88% 491.66 1,062.27 -53.72%
PBT 4,166.87 2,439.00 70.84% 4,079.35 3,551.26 14.87% 3,673.52 3,446.65 6.58% 3,360.82 3,138.36 7.09%
PBTM 20.73 13.21 56.93% 20.84 19.22 8.43% 19.28 18.82 2.44% 18.15 17.97 1.00%
TAX 1,028.41 675.05 52.35% 1,029.69 903.64 13.95% 923.51 887.85 4.02% 835.18 739.62 12.92%
PAT 3,138.46 1,763.95 77.92% 3,049.66 2,647.62 15.18% 2,750.01 2,558.80 7.47% 2,525.64 2,398.74 5.29%
PATM 15.62% 9.55% 15.58% 14.33% 14.43% 13.97% 13.64% 13.73%
EPS 6.89 3.87 78.04% 6.70 5.82 15.12% 6.04 5.62 7.47% 5.55 5.27 5.31%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 25,937.19 25,172.76 24,393.95 23,052.92 20,274.90 14,062.10 14,269.84 15,256.98 13,657.67 10,506.34 11,826.11 Interest Earned 76,758.40 75,161.27 70,826.30 60,709.49 47,647.72 38,075.83 40,599.44 42,353.27 40,767.81 38,071.41 39,290.85 Interest Expended 50,821.21 49,988.51 46,432.35 37,656.57 27,372.82 24,013.73 26,329.60 27,096.29 27,110.14 27,565.07 27,464.74 Int. income Growth 7.24% 3.19% 5.82% 13.70% 44.18% -1.46% -6.47% 11.71% 29.99% -11.16% Other Income 10,287.32 9,874.28 8,993.62 6,094.85 7,099.89 7,878.73 6,841.87 6,713.07 4,658.89 5,733.76 6,772.33 Total Income 87,045.72 35,047.04 33,387.57 29,147.77 27,374.79 21,940.83 21,111.71 21,970.05 18,316.56 16,240.10 18,598.44 Total Expenditure 18,134.08 20,380.98 20,359.03 18,550.12 20,724.56 16,010.57 17,502.80 26,188.00 26,663.30 24,353.61 20,983.44 Employee Cost - 10,311.77 10,299.60 9,188.47 8,391.83 7,055.53 6,472.99 6,141.45 6,021.04 4,903.27 5,396.62 % Of Sales - 13.72% 14.54% 15.14% 17.61% 18.53% 15.94% 14.50% 14.77% 12.88% 13.74% Opt. & Establishment Exp. - 8,406.92 7,269.95 6,389.29 6,011.26 5,260.35 4,738.32 4,694.73 4,569.98 4,717.88 3,456.70 % Of Sales - 11.19% 10.26% 10.52% 12.62% 13.82% 11.67% 11.08% 11.21% 12.39% 8.80% Provisions - 3,103.07 3,977.66 3,969.54 7,163.31 4,421.71 7,035.89 16,121.38 16,805.62 15,772.42 12,105.18 % Of Sales - 4.13% 5.62% 6.54% 15.03% 11.61% 17.33% 38.06% 41.22% 41.43% 30.81% EBITDA 18,090.43 14,666.06 13,028.54 10,597.65 6,650.23 5,930.26 3,608.91 -4,217.95 -8,346.74 -8,113.51 -2,385.00 EBITDA Margin 76.38% 58.26% 53.41% 45.97% 32.80% 42.17% 25.29% -27.65% -61.11% -77.22% -20.17% Depreciation 0.00 720.39 594.09 498.59 420.92 363.51 372.20 384.78 366.67 519.98 -12.47 PBT 15,119.84 13,945.66 12,434.45 10,099.07 6,229.31 5,566.75 3,236.71 -4,602.73 -8,713.41 -8,633.50 -2,372.52 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 3,776.91 3,418.51 3,215.43 3,781.15 2,206.37 2,162.05 1,076.41 -1,645.84 -3,166.51 -2,589.79 -814.21 Tax Rate 24.98% 24.51% 25.86% 37.44% 35.42% 38.84% 33.26% 35.76% 36.34% 30.00% 34.32% PAT 11,342.93 10,527.15 9,219.02 6,317.92 4,022.94 3,404.70 2,160.30 -2,956.89 -5,546.90 -6,043.71 -1,558.31 PAT before Minority Interest 11,342.93 10,527.15 9,219.02 6,317.92 4,022.94 3,404.70 2,160.30 -2,956.89 -5,546.90 -6,043.71 -1,558.31 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 31.31% 30.04% 27.61% 21.68% 14.70% 15.52% 10.23% -13.46% -30.28% -37.21% -8.38% PAT Growth 16.12% 14.19% 45.92% 57.05% 18.16% 57.60% 0 0 0 0 EPS 24.91 23.12 20.25 13.88 8.84 7.48 4.75 -6.49 -12.18 -13.28 -3.42

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 26,269.07 25,473.79 24,713.53 23,316.56 20,491.05 14,197.48 14,432.88 15,399.31 13,797.70 10,633.97 11,979.48 Interest Earned 77,243.58 75,613.28 71,307.71 61,073.34 47,931.69 38,280.91 40,853.83 42,590.77 41,004.82 38,312.80 39,585.23 Interest Expended 50,974.51 50,139.49 46,594.18 37,756.78 27,440.64 24,083.43 26,420.95 27,191.46 27,207.12 27,678.83 27,605.75 Int. income Growth 7.19% 3.08% 5.99% 13.79% 44.33% -1.63% -6.28% 11.61% 29.75% -11.23% Other Income 10,440.65 10,036.29 9,104.73 6,233.13 7,211.17 8,010.54 6,896.55 6,808.89 4,790.91 5,845.89 6,819.45 Total Income 87,684.23 35,510.08 33,818.26 29,549.69 27,702.22 22,208.02 21,329.43 22,208.20 18,588.61 16,479.86 18,798.93 Total Expenditure 18,382.15 21,226.40 20,656.37 18,847.86 21,177.00 16,262.70 17,671.52 26,386.07 26,874.19 24,618.06 21,218.32 Employee Cost - 10,449.67 10,387.31 9,262.68 8,452.90 7,112.08 6,528.86 6,196.56 6,081.82 4,963.17 5,449.06 % Of Sales - 13.82% 14.57% 15.17% 17.64% 18.58% 15.98% 14.55% 14.83% 12.95% 13.77% Opt. & Establishment Exp. - 8,531.86 7,426.16 6,552.22 6,347.15 5,429.71 4,857.58 4,807.80 4,684.94 4,823.70 3,518.66 % Of Sales - 11.28% 10.41% 10.73% 13.24% 14.18% 11.89% 11.29% 11.43% 12.59% 8.89% Provisions - 3,706.81 4,050.02 4,050.36 7,229.97 4,464.27 7,045.26 16,165.63 16,853.11 15,874.55 12,236.14 % Of Sales - 4.90% 5.68% 6.63% 15.08% 11.66% 17.25% 37.96% 41.10% 41.43% 30.91% EBITDA 18,327.57 14,283.68 13,161.89 10,701.83 6,525.22 5,945.32 3,657.91 -4,177.87 -8,285.58 -8,138.20 -2,419.39 EBITDA Margin 76.20% 56.07% 53.26% 45.90% 31.84% 41.88% 25.34% -27.13% -60.05% -76.53% -20.20% Depreciation 0.00 730.97 603.56 508.70 426.51 371.68 380.09 391.96 372.84 521.68 -7.23 PBT 15,280.56 13,552.70 12,558.33 10,193.13 6,098.71 5,573.65 3,277.81 -4,569.82 -8,658.42 -8,659.88 -2,412.15 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 3,816.79 3,463.44 3,218.86 3,808.60 2,216.62 2,167.53 1,079.03 -1,640.42 -3,161.00 -2,587.00 -818.41 Tax Rate 24.98% 25.56% 25.63% 37.36% 36.35% 38.89% 32.92% 35.90% 36.51% 29.87% 33.93% PAT 11,460.36 10,086.31 9,335.58 6,382.42 3,880.71 3,411.39 2,200.97 -2,929.20 -5,497.90 -6,052.48 -1,572.32 PAT before Minority Interest 11,463.77 10,089.26 9,339.47 6,384.53 3,882.09 3,406.12 2,198.78 -2,929.40 -5,497.42 -6,072.88 -1,593.74 Minority Interest -3.41 -2.95 -3.89 -2.11 -1.38 5.27 2.19 0.20 -0.48 20.40 21.42 PAT Margin 31.22% 28.40% 27.61% 21.60% 14.01% 15.36% 10.32% -13.19% -29.58% -36.73% -8.36% PAT Growth 22.36% 8.04% 46.27% 64.47% 13.76% 54.99% 0 0 0 0 EPS 25.18 22.15 20.51 14.02 8.52 7.49 4.83 -6.43 -12.08 -13.29 -3.45

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 87,990.22 78,601.44 68,880.67 58,970.61 55,131.24 48,685.59 43,816.32 46,319.15 35,540.65 32,487.08 Share Capital 4,553.41 4,553.41 4,553.41 4,104.31 4,104.31 3,277.66 3,277.66 2,760.03 1,743.72 1,055.43 Total Reserves 83,436.81 74,048.03 64,327.26 54,866.31 51,026.93 42,407.93 40,538.65 38,921.13 33,796.93 29,709.72 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 9,27,270.88 8,16,541.49 7,37,920.21 6,69,585.77 6,27,895.96 6,27,113.56 5,55,504.98 5,20,862.35 5,20,854.38 5,40,032.01 Borrowings 1,18,591.54 1,23,856.43 80,924.07 64,979.02 26,760.37 32,464.11 39,752.47 44,241.17 43,588.78 39,405.67 Other Liabilities & Provisions 29,580.15 23,582.59 24,872.98 22,020.21 24,826.45 17,593.19 17,921.72 13,800.17 9,591.03 14,384.52 Total Liabilities 11,63,432.79 10,42,581.95 9,12,597.93 8,15,555.61 7,34,614.02 7,25,856.45 6,56,995.49 6,25,222.84 6,09,574.84 6,26,309.28 Net Block 11,546.86 11,759.92 10,078.81 9,852.43 9,489.56 8,550.27 8,690.37 8,720.21 2,201.99 8,265.32 Gross Block 17,156.41 16,626.30 14,619.09 13,905.80 13,139.51 12,046.63 11,821.91 11,541.45 4,983.50 10,518.09 Accumulated Depreciation 5,609.56 4,866.38 4,540.28 4,053.37 3,649.95 3,496.36 3,131.54 2,821.24 2,781.51 2,252.77 Total Non-Current Assets 11,39,618.38 10,20,988.46 8,83,452.73 7,84,653.84 6,96,622.80 6,88,434.17 6,22,894.59 5,92,376.49 5,82,639.09 5,98,658.34 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 202.48 178.79 147.65 108.57 285.40 363.86 291.63 199.82 6,063.30 196.54 Cash and balance with RBI 47,300.07 51,730.43 38,556.27 44,034.51 40,280.58 60,697.57 29,239.25 29,236.56 31,347.84 27,347.66 Balance with banks and money at call 51,604.79 48,550.48 44,380.86 40,360.81 51,277.06 65,883.10 57,217.05 65,574.92 64,534.66 68,540.29 Investments 2,68,629.30 2,59,111.80 2,27,144.47 2,04,397.88 1,74,448.41 1,87,252.85 1,58,572.99 1,47,639.04 1,37,111.11 1,27,826.86 Advances 7,60,334.88 6,49,657.04 5,63,144.67 4,85,899.64 4,20,841.79 3,65,686.52 3,68,883.30 3,41,005.94 3,41,380.19 3,66,481.67 Other Assets 23,814.40 21,593.48 29,145.20 30,901.78 37,991.22 37,422.28 34,100.88 32,846.34 26,935.73 27,650.93 Total Assets 11,63,432.78 10,42,581.94 9,12,597.93 8,15,555.62 7,34,614.02 7,25,856.45 6,56,995.47 6,25,222.83 6,09,574.82 6,26,309.27 Contingent Liabilities 6,65,202.76 6,43,649.41 4,47,591.60 3,78,970.34 4,23,198.21 4,53,634.85 3,52,309.91 3,11,309.21 3,42,653.99 3,59,779.43 Bills for collection 27,916.17 27,997.38 28,552.71 29,174.73 27,600.93 24,906.92 25,056.25 28,500.40 32,102.67 31,621.87 Adjusted Book Value 175.79 154.49 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 89,958.55 80,725.75 70,581.25 60,432.94 56,521.85 49,980.23 45,073.15 47,651.95 36,756.48 33,629.26 Share Capital 4,553.41 4,553.41 4,553.41 4,104.31 4,104.31 3,277.66 3,277.66 2,760.03 1,743.72 1,055.43 Total Reserves 85,405.14 76,172.35 66,027.85 56,328.64 52,417.55 43,702.57 41,795.49 40,253.92 35,012.76 30,851.91 Minority Interest 178.31 161.57 160.81 156.51 129.50 159.31 151.42 162.15 159.15 80.98 Deposits 9,30,973.41 8,19,805.98 7,40,611.44 6,72,194.12 6,29,980.75 6,29,098.36 5,57,386.43 5,22,554.96 5,22,996.90 5,42,352.11 Borrowings 1,18,625.89 1,23,869.46 80,960.27 65,015.23 26,821.12 32,464.11 39,752.47 44,265.19 43,598.26 39,491.42 Other Liabilities & Provisions 39,815.43 31,862.25 31,966.58 28,236.95 29,678.12 21,088.09 20,655.38 16,249.65 11,673.55 16,472.18 Total Liabilities 11,79,551.59 10,56,425.01 9,24,280.35 8,26,035.75 7,43,131.34 7,32,790.10 6,63,018.85 6,30,883.90 6,15,184.34 6,32,025.95 Net Block 11,670.44 11,865.11 10,177.51 9,950.13 9,570.11 8,637.09 8,765.29 8,799.08 8,191.65 8,349.12 Gross Block 17,397.90 16,827.82 14,806.49 14,086.57 13,302.67 12,214.18 11,967.20 11,685.42 11,029.79 10,655.17 Accumulated Depreciation 5,727.46 4,962.71 4,628.98 4,136.44 3,732.56 3,577.10 3,201.91 2,886.34 2,838.15 2,306.06 Total Non-Current Assets 11,55,201.68 10,34,404.61 8,94,686.26 7,94,755.09 7,04,840.10 6,95,055.39 6,28,634.03 5,97,730.43 5,87,984.08 6,04,090.51 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 206.66 181.83 150.02 110.43 286.01 364.31 292.69 200.00 158.21 196.66 Cash and balance with RBI 47,660.42 52,125.83 38,893.95 44,381.55 40,530.32 60,930.38 29,446.55 29,322.09 31,575.19 27,544.44 Balance with banks and money at call 51,928.96 48,711.33 44,229.02 40,301.73 51,178.57 65,763.25 57,162.51 65,537.90 64,449.04 68,920.27 Investments 2,79,083.73 2,68,002.29 2,34,591.98 2,11,323.55 1,80,273.95 1,91,693.01 1,62,322.91 1,50,905.02 1,40,321.07 1,30,751.26 Advances 7,64,651.47 6,53,518.22 5,66,643.78 4,88,687.70 4,23,001.14 3,67,667.35 3,70,644.08 3,42,966.34 3,43,288.92 3,68,328.76 Other Assets 24,349.92 22,020.39 29,594.10 31,280.66 38,291.24 37,734.72 34,384.80 33,153.48 27,200.26 27,935.44 Total Assets 11,79,551.60 10,56,425.00 9,24,280.36 8,26,035.75 7,43,131.34 7,32,790.11 6,63,018.83 6,30,883.91 6,15,184.34 6,32,025.95 Contingent Liabilities 6,65,425.69 6,43,767.09 4,47,717.73 3,79,117.89 4,23,318.90 4,53,794.18 3,52,321.37 3,11,317.30 3,42,763.68 3,59,947.42 Bills for collection 27,934.98 27,998.34 28,554.35 29,189.51 27,611.37 24,913.97 25,063.23 28,504.75 32,105.15 31,625.22 Adjusted Book Value 179.97 159.03 139.93 130.32 120.72 124.13 118.10 132.97 178.72 248.06

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 4,626.34 18,241.81 -2,933.30 -5,799.42 -35,316.27 38,063.06 -4,833.93 -9,191.54 -6,423.03 -7,477.58 PBT 13,945.67 12,434.44 10,099.07 6,229.31 5,566.75 3,236.72 -4,602.72 -8,713.41 -8,633.49 -2,372.53 Adjustment 6,112.57 5,461.85 5,457.31 6,700.55 6,041.37 8,870.29 17,580.77 18,065.55 17,645.17 12,772.41 Adjustments for Liabilities & Assets -15,170.52 425.13 -19,756.09 -19,144.15 -46,363.43 25,247.05 -16,958.24 -15,157.52 -13,936.51 -19,035.04 Refund/(Payment) of direct taxes -261.38 -79.61 1,266.41 414.88 -560.97 709.00 -853.74 -3,386.16 -1,498.21 1,157.58 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 -207.26 -820.81 -1,890.22 -1,345.02 -834.66 -336.86 -350.43 150.82 -499.14 265.30 Net Fixed Assets -553.80 -2038.35 -752.37 -589.46 -1014.42 -296.95 -372.27 -694.47 -332.17 1467.60 Other Investment Activity -18179.70 -18695.31 -16111.76 -14849.03 -13761.77 -12760.92 -11962.72 -12240.41 -10781.50 -11141.76 Cash from Financing Activity -5,795.13 -77.22 3,365.34 -17.88 1,127.90 2,398.16 -3,170.82 7,969.70 6,916.73 3,958.93 Closing Cash & Equivalent 98,904.86 1,00,280.91 82,937.13 84,395.32 91,557.64 1,26,580.67 86,456.31 94,811.49 95,882.51 95,887.95 Net Cash Inflow / Outflow -1,376.05 17,343.78 -1,458.19 -7,162.32 -35,023.03 40,124.36 -8,355.18 -1,071.02 -5.44 -3,253.35 Opening Cash & Equivalents 1,00,280.91 82,937.13 84,395.32 91,557.64 1,26,580.67 86,456.31 94,811.49 95,882.51 95,887.95 99,141.30

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 4,752.86 18,534.45 -4,436.94 -7,045.04 -35,486.91 37,868.00 -4,827.08 -9,218.10 -7,366.00 -6,624.08 PBT 13,769.74 12,767.13 10,373.06 6,054.58 5,660.10 3,161.78 -4,691.46 -8,587.56 -8,548.31 -2,288.50 Adjustment 6,243.96 5,549.19 5,550.01 6,772.81 6,094.96 8,890.41 17,640.55 18,125.41 17,753.44 13,408.73 Adjustments for Liabilities & Assets -14,953.74 362.85 -21,599.93 -20,228.47 -46,686.12 25,059.55 -16,913.34 -15,364.56 -15,031.99 -18,897.89 Refund/(Payment) of direct taxes -307.10 -144.73 1,239.92 356.04 -555.85 756.27 -862.83 -3,391.38 -1,539.14 1,153.59 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 -328.56 -854.48 -991.05 -521.34 -643.95 -181.60 -231.80 71.07 -259.89 -371.06 Net Fixed Assets -553.80 -2038.35 -752.37 -589.46 -1014.42 -296.95 -372.27 -694.47 -332.17 1467.60 Other Investment Activity -18213.37 -17796.14 -15288.08 -14658.32 -13606.51 -12642.29 -12042.47 -12001.16 -11417.86 -11323.32 Cash from Financing Activity -5,672.09 34.24 3,867.67 540.77 1,146.13 2,398.16 -3,192.05 7,982.80 7,185.41 3,955.12 Closing Cash & Equivalent 99,589.38 1,00,837.17 83,122.96 84,683.28 91,708.89 1,26,693.63 86,609.06 94,859.99 96,024.23 96,464.71 Net Cash Inflow / Outflow -1,247.79 17,714.21 -1,560.32 -7,025.61 -34,984.73 40,084.57 -8,250.94 -1,164.24 -440.48 -3,040.01 Opening Cash & Equivalents 1,00,837.17 83,122.96 84,683.28 91,708.89 1,26,693.63 86,609.06 94,859.99 96,024.23 96,464.71 99,504.72

Financial Ratios

Consolidated /

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 175.79 154.49 136.32 126.90 117.47 120.34 114.42 128.32 172.07 237.77 NIM 2.23 2.42 2.64 2.62 2.05 2.10 2.49 2.34 1.83 2.00 Yield on Advances 9.89 10.90 10.78 9.81 9.05 11.10 11.48 11.96 11.15 10.72 Yield on Investments 7.51 7.30 6.53 5.97 7.18 7.53 7.12 6.45 7.72 9.67 Cost of Liabilities 4.78 4.94 4.60 3.73 3.67 3.99 4.55 4.80 4.88 4.74 Interest Spread 5.11 5.96 6.18 6.08 5.38 7.11 6.93 7.16 6.27 5.98 ROCE 11.29% 11.98% 12.06% 9.69% 8.53% 6.17% -1.31% -5.41% -7.14% 0.86% Cost Income Ratio 51.35 50.84 51.73 51.08 54.48 51.34 47.57 55.82 56.04 47.67 Core Cost Income Ratio 53.93 53.87 52.87 54.75 58.21 58.39 48.87 54.50 61.49 57.95 Operating Costs to Assets 1.55 1.63 1.65 1.71 1.63 1.49 1.59 1.64 1.49 1.42 Loans/Deposits 0.13 0.15 0.11 0.10 0.04 0.05 0.07 0.08 0.08 0.07 Cash/Deposits 0.05 0.06 0.05 0.07 0.06 0.10 0.05 0.06 0.06 0.05 Investment/Deposits 0.29 0.32 0.31 0.31 0.28 0.30 0.29 0.28 0.26 0.24 Inc Loan/Deposits 12.79% 15.17% 10.97% 9.70% 4.26% 5.18% 7.16% 8.49% 8.37% 7.30% Credit Deposits 82.00% 79.56% 76.32% 72.57% 67.02% 58.31% 66.41% 65.47% 65.54% 67.86% Interest Expended / Interest earned 66.51% 65.56% 62.03% 57.45% 63.07% 64.85% 63.98% 66.50% 72.40% 69.90% Interest income / Total funds 6.46% 6.79% 6.65% 5.84% 5.18% 5.59% 6.45% 6.52% 6.25% 6.27% Interest Expended / Total funds 4.30% 4.45% 4.13% 3.36% 3.27% 3.63% 4.12% 4.34% 4.52% 4.39% CASA 32.87% 34.84% 37.18% 38.41% 40.08% 36.69% 36.51% 35.90% 34.11% 31.89%

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 179.97 159.03 139.93 130.32 120.72 124.13 118.10 132.96 178.72 248.06 NIM 2.23 2.42 2.64 2.61 2.04 2.10 2.49 2.34 1.83 2.01 Yield on Advances 9.89 10.91 10.78 9.81 9.05 11.11 11.49 11.96 11.16 10.75 Yield on Investments 7.29 7.13 6.38 5.82 6.97 7.41 6.99 6.38 7.58 9.51 Cost of Liabilities 4.78 4.94 4.60 3.72 3.67 3.99 4.55 4.80 4.89 4.74 Interest Spread 5.11 5.97 6.18 6.09 5.38 7.12 6.94 7.16 6.28 6.00 ROCE 10.97% 11.92% 11.98% 9.43% 8.40% 6.13% -1.25% -5.26% -7.06% 0.80% Cost Income Ratio 51.40 50.89 51.80 51.89 54.80 51.60 47.79 55.92 56.22 47.74 Core Cost Income Ratio 53.95 53.89 52.93 55.58 58.52 58.62 49.09 54.77 61.61 57.92 Operating Costs to Assets 1.55 1.63 1.66 1.74 1.64 1.50 1.60 1.65 1.51 1.42 Loans/Deposits 0.13 0.15 0.11 0.10 0.04 0.05 0.07 0.08 0.08 0.07 Cash/Deposits 0.05 0.06 0.05 0.07 0.06 0.10 0.05 0.06 0.06 0.05 Investment/Deposits 0.30 0.33 0.32 0.31 0.29 0.30 0.29 0.29 0.27 0.24 Inc Loan/Deposits 12.74% 15.11% 10.93% 9.67% 4.26% 5.16% 7.13% 8.47% 8.34% 7.28% Credit Deposits 82.13% 79.72% 76.51% 72.70% 67.15% 58.44% 66.50% 65.63% 65.64% 67.91% Interest Expended / Interest earned 66.31% 65.34% 61.82% 57.25% 62.91% 64.67% 63.84% 66.35% 72.24% 69.74% Interest income / Total funds 6.41% 6.75% 6.61% 5.80% 5.15% 5.58% 6.42% 6.50% 6.23% 6.26% Interest Expended / Total funds 4.25% 4.41% 4.08% 3.32% 3.24% 3.61% 4.10% 4.31% 4.50% 4.37% CASA 32.81% 34.77% 37.11% 38.33% 39.99% 36.63% 36.45% 35.84% 34.00% 31.83%