The Jammu & Kashmir Bank, 532209, J%26KBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,411.05
6.53
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,408.42
N/A
1.03

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

25.78
-
11.91

EBITDA CAGR (%)

10 Years
5 Years
3 Years

17.56
36.84
20.29

PAT CAGR (%)

10 Years
5 Years
3 Years

0.79
0.99

P:E (Median)

8 Years
5 Years
3 Years

5.61
5.79
5.84

P:BV (Average)

8 Years
5 Years
3 Years

0.65
0.79
0.99

EV:EBITDA (Average)

8 Years
5 Years
3 Years

1.41
2.60
3.01

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 3,271.67 3,211.85 1.86% 3,313.44 3,206.08 3.35% 3,291.82 3,123.55 5.39% 3,268.27 2,994.38 9.15%
Interest Exp. 1,784.19 1,731.86 3.02% 1,824.56 1,697.40 7.49% 1,857.83 1,687.62 10.09% 1,802.84 1,625.16 10.93%
Net Interest Income 1,487.48 1,479.99 0.51% 1,488.88 1,508.68 -1.31% 1,433.99 1,435.93 -0.14% 1,465.43 1,369.22 7.03%
NIM 0.00 3.88 -100.00% 3.62 4.04 -10.40% 3.56 3.90 -8.72% 3.72 3.86 -3.63%
Other Income 259.39 401.68 -35.42% 279.46 242.32 15.33% 154.89 296.08 -47.69% 250.30 194.10 28.95%
Total Income 3,531.06 3,613.53 -2.28% 3,592.90 3,448.40 4.19% 3,446.71 3,419.63 0.79% 3,518.57 3,188.48 10.35%
Operating Exp. 836.08 1,081.65 -22.70% 988.09 1,002.89 -1.48% 966.26 945.02 2.25% 1,042.89 968.65 7.66%
Operating Profit 910.79 800.02 13.85% 780.25 748.11 4.30% 622.62 786.99 -20.89% 672.84 594.67 13.15%
Provision 50.27 -9.16 - -25.81 -9.80 - -10.93 32.53 - 15.09 -17.48 -
PBT 860.52 809.18 6.34% 806.06 757.91 6.35% 633.55 754.46 -16.03% 657.75 612.15 7.45%
PBTM 26.30 25.19 4.41% 24.33 23.64 2.92% 19.25 24.15 -20.29% 20.13 20.44 -1.52%
TAX 62.72 224.64 -72.08% 219.33 226.40 -3.12% 139.44 203.54 -31.49% 172.91 196.66 -12.08%
PAT 797.80 584.54 36.48% 586.73 531.51 10.39% 494.11 550.92 -10.31% 484.84 415.49 16.69%
PATM 24.39% 18.20% 17.71% 16.58% 15.01% 17.64% 14.83% 13.88%
EPS 7.24 5.31 36.35% 5.33 4.83 10.35% 4.49 5.00 -10.20% 4.40 3.77 16.71%
Gross NPA 3,124.84 3,604.84 -13.32% 3,487.12 4,041.04 -13.71% 3,585.26 3,916.26 -8.45% 3,638.19 3,857.59 -5.69%
Gross NPA% 2.50 3.37 -25.82% 3.00 4.08 -26.47% 3.32 3.95 -15.95% 3.50 3.91 -10.49%
Net NPA 785.13 818.07 -4.03% 776.36 898.08 -13.55% 795.94 813.39 -2.15% 829.02 727.58 13.94%
Net NPA% 0.64 0.79 -18.99% 0.68 0.94 -27.66% 0.76 0.85 -10.59% 0.82 0.76 7.89%
CASA 0.00 47.01 -100.00% 44.10 48.17 -8.45% 45.89 48.60 -5.58% 45.71 49.77 -8.16%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Interest Earned 3,273.34 3,213.39 1.87% 3,314.94 3,209.67 3.28% 3,293.00 3,123.66 5.42% 3,269.45 2,994.36 9.19%
Interest Exp. 1,784.00 1,731.67 3.02% 1,824.35 1,697.20 7.49% 1,857.63 1,687.42 10.09% 1,802.64 1,624.97 10.93%
Net Interest Income 1,489.34 1,481.72 0.51% 1,490.59 1,512.47 -1.45% 1,435.37 1,436.24 -0.06% 1,466.81 1,369.39 7.11%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 262.45 403.20 -34.91% 281.92 242.04 16.48% 157.26 300.65 -47.69% 253.20 198.42 27.61%
Total Income 3,535.79 3,616.59 -2.23% 3,596.86 3,451.71 4.21% 3,450.26 3,424.31 0.76% 3,522.65 3,192.78 10.33%
Operating Exp. 839.20 1,084.42 -22.61% 991.12 1,005.85 -1.46% 968.88 947.54 2.25% 1,045.56 971.56 7.62%
Operating Profit 912.59 800.50 14.00% 781.39 748.66 4.37% 623.75 789.35 -20.98% 674.45 596.25 13.12%
Provision 50.26 -9.17 - -25.81 -9.80 - -10.93 32.52 - 15.09 -17.47 -
PBT 862.33 809.67 6.50% 807.20 758.46 6.43% 634.68 756.83 -16.14% 659.36 613.72 7.44%
PBTM 26.34 25.20 4.52% 24.35 23.63 3.05% 19.27 24.23 -20.47% 20.17 20.50 -1.61%
TAX 63.18 224.74 -71.89% 219.69 226.54 -3.02% 139.77 204.16 -31.54% 173.36 196.99 -12.00%
PAT 799.15 584.93 36.62% 587.51 531.92 10.45% 494.91 552.67 -10.45% 486.00 416.73 16.62%
PATM 24.41% 18.20% 17.72% 16.57% 15.03% 17.69% 14.86% 13.92%
EPS 7.26 5.31 36.72% 5.34 4.83 10.56% 4.49 5.02 -10.56% 4.41 3.78 16.67%
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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 5,875.78 5,793.82 5,203.68 4,745.28 3,911.23 3,770.78 3,706.67 3,383.93 2,870.79 2,511.94 2,710.09 Interest Earned 13,145.20 12,535.86 11,212.36 9,355.11 8,013.48 8,111.09 8,446.29 7,675.56 6,621.40 6,685.80 6,843.57 Interest Expended 7,269.42 6,742.04 6,008.68 4,609.83 4,102.25 4,340.31 4,739.62 4,291.63 3,750.61 4,173.86 4,133.48 Int. income Growth 1.41% 11.34% 9.66% 21.32% 3.72% 1.73% 9.54% 17.87% 14.29% -7.31% Other Income 944.04 1,136.81 825.48 756.81 744.01 692.08 545.92 812.63 495.31 492.86 504.03 Total Income 14,089.24 6,930.63 6,029.16 5,502.09 4,655.24 4,462.86 4,252.59 4,196.56 3,366.10 3,004.80 3,214.12 Total Expenditure 3,833.32 3,829.10 3,427.04 3,560.17 3,768.66 3,794.85 5,227.24 3,432.74 3,148.59 4,425.69 2,458.45 Employee Cost - 2,780.36 2,571.56 2,703.66 2,671.93 2,059.38 1,886.05 1,646.18 1,286.88 1,122.54 1,057.40 % Of Sales - 22.18% 22.94% 28.90% 33.34% 25.39% 22.33% 21.45% 19.44% 16.79% 15.45% Opt. & Establishment Exp. - 1,388.31 1,398.27 1,097.50 1,064.71 953.09 966.89 936.57 793.89 673.01 552.80 % Of Sales - 11.07% 12.47% 11.73% 13.29% 11.75% 11.45% 12.20% 11.99% 10.07% 8.08% Provisions - -3.91 -107.69 74.13 319.76 1,050.24 2,625.10 1,058.17 1,260.92 2,800.30 976.23 % Of Sales - -0.03% -0.96% 0.79% 3.99% 12.95% 31.08% 13.79% 19.04% 41.88% 14.26% EBITDA 2,986.50 3,101.53 2,602.12 1,941.92 886.58 668.01 -974.65 763.82 217.51 -1,420.89 755.67 EBITDA Margin 70.84% 53.53% 50.01% 40.92% 22.67% 17.72% -26.29% 22.57% 7.58% -56.57% 27.88% Depreciation 0.00 167.83 217.55 157.56 143.87 133.93 125.40 104.09 96.55 85.08 63.99 PBT 2,957.88 2,933.70 2,384.57 1,784.36 742.70 534.07 -1,100.05 659.73 120.96 -1,505.97 691.68 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 594.40 851.24 617.30 586.98 241.14 101.95 39.36 194.85 -81.76 126.32 275.65 Tax Rate 20.10% 29.02% 25.89% 32.90% 32.47% 19.09% -3.58% 29.53% -67.59% -8.39% 39.85% PAT 2,363.48 2,082.46 1,767.27 1,197.38 501.56 432.12 -1,139.41 464.88 202.72 -1,632.29 416.03 PAT before Minority Interest 2,363.48 2,082.46 1,767.27 1,197.38 501.56 432.12 -1,139.41 464.88 202.72 -1,632.29 416.03 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 34.66% 30.05% 29.31% 21.76% 10.77% 9.68% -26.79% 11.08% 6.02% -54.32% 12.94% PAT Growth 13.49% 17.83% 47.59% 138.73% 16.07% 0 -345.10% 129.32% 0 -492.35% EPS 21.46 18.91 16.05 10.87 4.55 3.92 -10.35 4.22 1.84 -14.82 3.78

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 5,882.11 5,799.82 5,205.27 4,745.79 3,911.64 3,771.21 3,707.05 3,384.43 2,871.21 2,512.79 2,711.37 Interest Earned 13,150.73 12,541.08 11,213.20 9,355.23 8,012.98 8,111.09 8,446.29 7,675.56 6,621.40 6,685.80 6,843.57 Interest Expended 7,268.62 6,741.26 6,007.93 4,609.44 4,101.34 4,339.88 4,739.24 4,291.13 3,750.19 4,173.01 4,132.20 Int. income Growth 1.42% 11.42% 9.68% 21.32% 3.72% 1.73% 9.53% 17.87% 14.26% -7.32% Other Income 954.83 1,146.94 837.67 765.24 753.48 701.49 508.60 817.48 500.84 497.27 508.71 Total Income 14,105.56 6,946.76 6,042.94 5,511.03 4,665.12 4,472.70 4,215.65 4,201.91 3,372.05 3,010.06 3,220.08 Total Expenditure 3,844.76 3,849.73 3,446.95 3,592.52 3,795.21 3,801.68 5,234.00 3,438.94 3,154.44 4,431.45 2,466.31 Employee Cost - 2,787.88 2,578.98 2,708.56 2,675.08 2,062.43 1,890.64 1,650.11 1,290.62 1,126.35 1,025.19 % Of Sales - 22.23% 23.00% 28.95% 33.38% 25.43% 22.38% 21.50% 19.49% 16.85% 14.98% Opt. & Establishment Exp. - 1,382.47 1,391.50 1,074.77 1,047.90 956.02 969.60 939.20 796.26 675.36 593.45 % Of Sales - 11.02% 12.41% 11.49% 13.08% 11.79% 11.48% 12.24% 12.03% 10.10% 8.67% Provisions - -3.92 -107.69 74.13 320.89 1,051.79 2,625.10 1,058.17 1,260.92 2,800.30 976.23 % Of Sales - -0.03% -0.96% 0.79% 4.00% 12.97% 31.08% 13.79% 19.04% 41.88% 14.26% EBITDA 2,992.18 3,097.03 2,595.99 1,918.51 869.91 671.02 -1,018.35 762.97 217.61 -1,421.39 753.77 EBITDA Margin 70.76% 53.40% 49.87% 40.43% 22.24% 17.79% -27.47% 22.54% 7.58% -56.57% 27.80% Depreciation 0.00 158.35 207.92 132.47 124.33 134.28 125.67 104.27 96.68 85.28 64.28 PBT 2,963.57 2,938.68 2,388.08 1,786.04 745.58 536.75 -1,144.03 658.70 120.93 -1,506.67 689.49 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 596.00 852.43 618.17 587.45 241.14 101.95 39.36 194.85 -81.76 126.32 275.65 Tax Rate 20.11% 29.01% 25.89% 32.89% 32.34% 18.99% -3.44% 29.58% -67.61% -8.38% 39.98% PAT 2,367.57 2,086.25 1,769.91 1,198.59 504.44 434.80 -1,183.39 463.85 202.69 -1,632.99 413.84 PAT before Minority Interest 2,367.57 2,086.25 1,769.91 1,198.59 504.44 434.80 -1,183.39 463.85 202.69 -1,632.99 413.84 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 34.63% 30.03% 29.29% 21.75% 10.81% 9.72% -28.07% 11.04% 6.01% -54.25% 12.85% PAT Growth 13.48% 17.87% 47.67% 137.61% 16.02% 0 -355.12% 128.85% 0 -494.59% EPS 21.50 18.95 16.07 10.88 4.58 3.95 -10.75 4.21 1.84 -14.83 3.76

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 14,251.94 12,235.68 9,943.24 8,107.17 6,825.61 6,393.48 6,626.10 6,161.21 5,676.49 6,423.98 Share Capital 110.13 110.13 103.16 93.30 71.36 71.36 55.70 55.70 52.15 48.49 Total Reserves 14,141.81 12,125.55 9,840.08 7,920.36 6,754.25 6,322.12 6,570.40 6,105.51 5,624.35 6,375.48 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,48,569.46 1,34,776.32 1,22,037.74 1,14,710.38 1,08,061.15 97,788.23 89,638.90 80,006.50 72,463.09 69,390.25 Borrowings 2,382.84 2,885.00 2,892.31 2,370.82 2,015.20 2,019.58 2,623.96 1,628.34 1,276.05 2,240.00 Other Liabilities & Provisions 4,264.22 4,629.59 11,088.98 5,414.05 3,389.99 2,670.81 2,517.34 1,891.57 2,603.04 2,213.84 Total Liabilities 1,69,468.46 1,54,526.59 1,45,962.27 1,30,602.42 1,20,291.95 1,08,872.10 1,01,406.30 89,687.62 82,018.67 80,268.07 Net Block 2,125.67 2,207.98 2,224.22 1,907.25 1,970.99 2,035.70 1,645.73 1,598.04 1,478.97 705.12 Gross Block 4,057.57 3,973.65 3,773.43 3,300.09 3,224.46 3,156.89 2,644.14 2,495.68 2,284.07 1,428.49 Accumulated Depreciation 1,931.90 1,765.67 1,549.21 1,392.84 1,253.47 1,121.19 998.41 897.64 805.10 723.37 Total Non-Current Assets 1,57,362.45 1,39,184.18 1,28,264.80 1,14,974.39 1,09,165.97 99,304.66 96,968.58 85,660.24 78,036.24 74,513.64 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 65.55 49.50 47.32 46.43 41.42 34.82 28.96 16.55 64.34 58.60 Cash and balance with RBI 7,385.48 7,250.08 7,794.06 7,750.20 3,685.33 2,947.48 4,874.97 4,328.36 3,590.97 3,126.74 Balance with banks and money at call 2,374.37 927.40 1,084.60 1,034.84 5,812.26 6,835.35 986.91 3,924.52 1,794.96 76.27 Investments 41,212.66 34,986.71 34,829.15 33,834.99 30,814.24 23,052.24 23,160.50 18,880.03 21,290.89 20,353.62 Advances 1,04,198.72 93,762.51 82,285.45 70,400.68 66,841.73 64,399.07 66,271.51 56,912.74 49,816.11 50,193.29 Other Assets 12,106.02 15,342.41 17,697.45 15,628.02 11,125.97 9,567.44 4,437.71 4,027.37 3,982.42 5,754.44 Total Assets 1,69,468.47 1,54,526.59 1,45,962.25 1,30,602.41 1,20,291.94 1,08,872.10 1,01,406.29 89,687.61 82,018.66 80,268.08 Contingent Liabilities 5,715.57 4,844.87 5,233.77 5,524.94 4,866.94 5,756.78 6,392.54 5,795.12 6,108.99 16,864.11 Bills for collection 1,364.98 1,513.27 1,705.41 1,538.06 1,439.60 1,160.77 1,443.66 1,193.53 1,190.86 1,208.82 Adjusted Book Value 118.18 99.59 83.98 75.72 82.04 75.65 108.11 99.51 96.71 132.51

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 14,208.31 12,192.73 9,896.33 8,077.12 6,802.27 6,345.85 6,621.76 6,157.59 5,672.89 6,420.86 Share Capital 110.13 110.13 103.16 93.30 71.36 71.36 55.70 55.70 52.15 48.49 Total Reserves 14,098.18 12,082.59 9,793.16 7,890.31 6,730.91 6,274.49 6,566.05 6,101.89 5,620.74 6,372.36 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,48,552.02 1,34,764.66 1,22,027.18 1,14,702.77 1,08,047.30 97,785.83 89,636.83 80,004.53 72,458.97 69,378.81 Borrowings 2,382.84 2,885.00 2,892.31 2,370.82 2,015.20 2,019.58 2,623.96 1,628.34 1,276.05 2,240.00 Other Liabilities & Provisions 4,280.36 4,662.20 11,096.78 5,425.33 3,408.11 2,677.89 2,522.28 1,893.98 2,604.22 2,213.87 Total Liabilities 1,69,423.53 1,54,504.59 1,45,912.60 1,30,576.04 1,20,272.88 1,08,829.15 1,01,404.83 89,684.44 82,012.13 80,253.54 Net Block 2,126.29 2,208.25 2,224.43 1,907.51 1,971.42 2,036.32 1,646.36 1,598.33 1,479.35 705.66 Gross Block 4,060.61 3,976.16 3,775.81 3,302.41 3,226.74 3,159.14 2,646.19 2,497.28 2,285.62 1,430.01 Accumulated Depreciation 1,934.32 1,767.91 1,551.38 1,394.90 1,255.33 1,122.82 999.83 898.95 806.27 724.35 Total Non-Current Assets 1,57,280.52 1,39,111.05 1,28,228.62 1,14,924.16 1,09,132.37 99,253.28 96,959.64 85,647.69 78,023.49 74,495.38 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 65.55 49.50 47.32 46.43 41.42 34.82 28.96 16.55 64.34 58.60 Cash and balance with RBI 7,385.48 7,250.08 7,794.06 7,750.20 3,685.33 2,947.48 4,874.97 4,328.36 3,590.97 3,126.74 Balance with banks and money at call 2,397.67 946.40 1,104.80 1,041.70 5,818.37 6,845.12 997.34 3,931.68 1,801.83 77.47 Investments 41,121.71 34,900.22 34,780.40 33,785.25 30,774.10 22,990.47 23,140.50 18,860.03 21,270.89 20,333.62 Advances 1,04,183.82 93,756.60 82,277.61 70,393.07 66,841.73 64,399.07 66,271.51 56,912.74 49,816.11 50,193.29 Other Assets 12,143.02 15,393.53 17,683.97 15,651.86 11,140.50 9,575.87 4,445.19 4,036.74 3,988.64 5,758.16 Total Assets 1,69,423.54 1,54,504.58 1,45,912.59 1,30,576.02 1,20,272.87 1,08,829.15 1,01,404.83 89,684.43 82,012.13 80,253.54 Contingent Liabilities 5,715.57 4,844.87 5,233.77 5,524.94 4,866.94 5,756.78 6,392.54 5,795.12 6,108.99 16,864.11 Bills for collection 1,364.98 1,513.27 1,705.41 1,538.06 1,439.60 1,160.77 1,443.66 1,193.53 1,190.86 1,208.82 Adjusted Book Value 117.78 99.20 83.52 75.40 81.71 74.99 108.03 99.44 96.64 132.45

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 2,718.32 -851.49 -420.51 -1,568.46 -10.66 4,374.33 -2,995.43 2,362.34 2,451.40 -218.94 PBT 2,933.71 2,384.57 1,784.36 742.70 534.07 -1,100.05 659.73 120.96 -1,505.98 691.68 Adjustment 583.08 440.71 440.88 627.16 1,382.93 2,989.46 1,393.65 1,467.03 2,937.07 1,091.09 Adjustments for Liabilities & Assets -68.87 -3,211.62 -2,190.73 -2,695.37 -1,840.25 2,617.76 -5,013.00 953.90 1,091.07 -1,608.53 Refund/(Payment) of direct taxes -729.59 -465.14 -455.03 -242.95 -87.41 -132.83 -35.80 -179.56 -70.77 -393.18 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 -101.57 -257.13 -123.47 -85.14 -75.82 -114.43 -164.19 -163.82 -861.32 -135.67 Net Fixed Assets -99.97 -202.40 -474.23 -80.64 -74.17 -518.61 -160.87 -163.82 -861.32 -135.66 Other Investment Activity -4380.25 -4146.62 -3905.89 -3422.34 -3380.31 -3355.90 -2836.92 -3373.55 -2484.08 -1758.36 Cash from Financing Activity -1,034.38 407.43 637.59 941.06 -198.75 -338.95 768.61 668.43 592.85 -176.15 Closing Cash & Equivalent 9,759.85 8,177.48 8,878.66 8,785.05 9,497.59 9,782.83 5,861.88 8,252.88 5,385.94 3,203.00 Net Cash Inflow / Outflow 1,582.37 -701.18 93.61 -712.55 -285.23 3,920.95 -2,391.01 2,866.95 2,182.93 -530.76 Opening Cash & Equivalents 8,177.48 8,878.66 8,785.05 9,497.59 9,782.83 5,861.88 8,252.88 5,385.94 3,203.00 3,733.76

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 2,723.15 -852.55 -407.13 -1,568.05 -14.17 4,373.94 -2,991.71 2,362.68 2,457.10 -218.95 PBT 2,934.21 2,389.40 1,767.96 737.13 531.94 -1,144.03 658.69 120.93 -1,506.68 689.49 Adjustment 583.26 440.79 440.97 626.99 1,369.48 2,989.73 1,393.83 1,467.16 2,937.27 1,091.38 Adjustments for Liabilities & Assets -63.28 -3,216.36 -2,160.97 -2,688.64 -1,827.85 2,661.02 -5,008.48 955.79 1,098.57 -1,605.78 Refund/(Payment) of direct taxes -731.04 -466.38 -455.09 -243.53 -87.73 -132.78 -35.76 -181.20 -72.07 -394.04 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 -102.10 -257.26 -123.51 -85.18 -75.98 -114.69 -164.64 -163.87 -861.35 -135.84 Net Fixed Assets -99.97 -202.40 -474.23 -80.64 -74.17 -518.61 -160.87 -163.82 -861.32 -135.66 Other Investment Activity -4380.38 -4146.66 -3905.93 -3422.50 -3380.57 -3356.35 -2836.97 -3373.58 -2484.25 -1748.02 Cash from Financing Activity -1,034.38 407.43 637.59 941.43 -198.75 -338.95 768.61 668.43 592.85 -176.15 Closing Cash & Equivalent 9,783.15 8,196.48 8,898.86 8,791.91 9,503.70 9,792.60 5,872.31 8,260.04 5,392.80 3,204.20 Net Cash Inflow / Outflow 1,586.67 -702.38 106.95 -711.80 -288.90 3,920.29 -2,387.74 2,867.24 2,188.60 -530.94 Opening Cash & Equivalents 8,196.48 8,898.86 8,791.91 9,503.70 9,792.60 5,872.31 8,260.04 5,392.80 3,204.20 3,735.15

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 118.18 99.59 83.98 75.72 82.04 75.65 108.11 99.51 96.71 132.51 NIM 3.73 3.80 3.77 3.46 3.52 3.81 3.55 3.42 3.28 3.67 Yield on Advances 12.03 11.96 11.37 11.38 12.13 13.12 11.58 11.63 13.42 13.63 Yield on Investments 6.73 6.64 6.09 5.32 6.44 7.33 7.54 7.78 9.01 8.81 Cost of Liabilities 4.47 4.36 3.69 3.50 3.94 4.75 4.65 4.59 5.66 5.77 Interest Spread 7.56 7.59 7.68 7.88 8.19 8.37 6.93 7.04 7.76 7.86 ROCE 20.39% 19.37% 17.52% 9.76% 8.51% -9.71% 10.94% 3.52% -18.07% 9.80% Cost Income Ratio 57.73 62.24 66.22 77.18 64.50 64.14 59.06 58.95 56.92 48.11 Core Cost Income Ratio 58.18 63.32 66.70 78.66 67.93 65.04 62.21 59.79 59.64 50.41 Operating Costs to Assets 2.36 2.43 2.50 2.75 2.39 2.51 2.44 2.21 2.09 1.93 Loans/Deposits 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.03 Cash/Deposits 0.05 0.05 0.06 0.07 0.03 0.03 0.05 0.05 0.05 0.05 Investment/Deposits 0.28 0.26 0.29 0.29 0.29 0.24 0.26 0.24 0.29 0.29 Inc Loan/Deposits 1.60% 2.14% 2.37% 2.07% 1.86% 2.07% 2.93% 2.04% 1.76% 3.23% Credit Deposits 70.13% 69.57% 67.43% 61.37% 61.86% 65.86% 73.93% 71.14% 68.75% 72.33% Interest Expended / Interest earned 53.78% 53.59% 49.28% 51.19% 53.51% 56.11% 55.91% 56.64% 62.43% 60.40% Interest income / Total funds 7.40% 7.26% 6.41% 6.14% 6.74% 7.76% 7.57% 7.38% 8.15% 8.53% Interest Expended / Total funds 3.98% 3.89% 3.16% 3.14% 3.61% 4.35% 4.23% 4.18% 5.09% 5.15% CASA 47.01% 50.51% 54.10% 56.56% 56.84% 53.66% 50.70% 50.89% 51.70% 44.13%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 117.78 99.20 83.52 75.40 81.71 74.99 108.03 99.44 96.64 132.45 NIM 3.74 3.80 3.77 3.46 3.52 3.81 3.55 3.42 3.29 3.68 Yield on Advances 12.04 11.96 11.37 11.38 12.13 13.12 11.58 11.63 13.42 13.63 Yield on Investments 6.74 6.66 6.10 5.33 6.44 7.35 7.55 7.79 9.02 8.82 Cost of Liabilities 4.47 4.36 3.69 3.50 3.94 4.75 4.65 4.59 5.66 5.77 Interest Spread 7.57 7.60 7.68 7.88 8.19 8.37 6.93 7.04 7.76 7.86 ROCE 20.48% 19.45% 17.59% 9.82% 8.58% -10.24% 10.94% 3.52% -18.09% 9.78% Cost Income Ratio 57.75 62.26 66.25 77.14 64.48 64.87 59.14 59.02 57.02 48.27 Core Cost Income Ratio 58.20 63.35 66.72 78.62 67.90 65.79 62.29 59.87 59.74 50.58 Operating Costs to Assets 2.37 2.44 2.50 2.76 2.40 2.51 2.45 2.22 2.09 1.94 Loans/Deposits 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.03 Cash/Deposits 0.05 0.05 0.06 0.07 0.03 0.03 0.05 0.05 0.05 0.05 Investment/Deposits 0.28 0.26 0.28 0.29 0.28 0.24 0.26 0.24 0.29 0.29 Inc Loan/Deposits 1.60% 2.14% 2.37% 2.07% 1.87% 2.07% 2.93% 2.04% 1.76% 3.23% Credit Deposits 70.13% 69.57% 67.43% 61.37% 61.86% 65.86% 73.93% 71.14% 68.75% 72.35% Interest Expended / Interest earned 53.75% 53.58% 49.27% 51.18% 53.51% 56.11% 55.91% 56.64% 62.42% 60.38% Interest income / Total funds 7.40% 7.26% 6.41% 6.14% 6.74% 7.76% 7.57% 7.38% 8.15% 8.53% Interest Expended / Total funds 3.98% 3.89% 3.16% 3.14% 3.61% 4.35% 4.23% 4.18% 5.09% 5.15% CASA 47.02% 50.51% 54.10% 56.56% 56.84% 53.65% 50.70% 50.89% 51.70% 44.13%