The Karnataka Bank, 532652, KTKBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,767.79
5.81
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,182.60
2.79%
0.57

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
-3.67

EBITDA CAGR (%)

10 Years
5 Years
3 Years

11.85
21.41
2.57

PAT CAGR (%)

10 Years
5 Years
3 Years

0.61
0.72

P:E (Median)

8 Years
5 Years
3 Years

5.40
5.40
5.68

P:BV (Average)

8 Years
5 Years
3 Years

0.61
0.61
0.72

EV:EBITDA (Average)

8 Years
5 Years
3 Years

1.22
1.22
1.86

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 2,261.28 2,277.99 -0.73% 2,258.46 2,200.56 2.63% 2,243.02 2,112.61 6.17% 2,234.13 2,026.59 10.24%
Interest Exp. 1,505.68 1,374.63 9.53% 1,477.78 1,366.53 8.14% 1,450.24 1,285.01 12.86% 1,400.57 1,204.18 16.31%
Net Interest Income 755.60 903.36 -16.36% 780.68 834.03 -6.40% 792.78 827.60 -4.21% 833.56 822.41 1.36%
NIM 2.82 3.54 -20.34% 3.19 3.51 -9.12% 3.02 3.48 -13.22% 3.23 3.58 -9.78%
Other Income 358.36 279.01 28.44% 428.23 419.41 2.10% 292.36 326.08 -10.34% 269.92 249.59 8.15%
Total Income 2,619.64 2,557.00 2.45% 2,686.69 2,619.97 2.55% 2,535.38 2,438.69 3.96% 2,504.05 2,276.18 10.01%
Operating Exp. 646.67 623.78 3.67% 833.89 753.65 10.65% 652.07 613.48 6.29% 643.12 549.85 16.96%
Operating Profit 467.29 558.59 -16.34% 375.02 499.79 -24.96% 433.07 540.20 -19.83% 460.36 522.15 -11.83%
Provision 110.80 40.26 175.21% 31.08 184.73 -83.18% 83.77 144.41 -41.99% 31.33 119.87 -73.86%
PBT 356.49 518.33 -31.22% 343.94 315.06 9.17% 349.30 395.79 -11.75% 429.03 402.28 6.65%
PBTM 15.77 22.75 -30.68% 15.23 14.32 6.35% 15.57 18.73 -16.87% 19.20 19.85 -3.27%
TAX 64.09 118.00 -45.69% 91.57 40.82 124.33% 65.70 64.71 1.53% 92.96 72.02 29.08%
PAT 292.40 400.33 -26.96% 252.37 274.24 -7.97% 283.60 331.08 -14.34% 336.07 330.26 1.76%
PATM 12.93% 17.57% 11.17% 12.46% 12.64% 15.67% 15.04% 16.30%
EPS 7.74 10.61 -27.05% 6.68 7.27 -8.12% 7.50 9.55 -21.47% 8.90 10.56 -15.72%
Gross NPA 2,571.09 2,668.45 -3.65% 2,402.08 2,578.42 -6.84% 2,419.06 2,536.72 -4.64% 2,414.92 2,324.19 3.90%
Gross NPA% 3.46 3.54 -2.26% 3.08 3.53 -12.75% 3.11 3.64 -14.56% 3.21 3.47 -7.49%
Net NPA 1,049.53 1,228.25 -14.55% 1,004.55 1,129.18 -11.04% 1,063.57 1,060.06 0.33% 1,083.08 888.94 21.84%
Net NPA% 1.44 1.66 -13.25% 1.31 1.58 -17.09% 1.39 1.55 -10.32% 1.46 1.36 7.35%
CASA 30.84 30.54 0.98% 31.75 31.97 -0.69% 30.32 31.45 -3.59% 30.82 31.91 -3.42%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 2,261.28 2,277.99 -0.73% 2,258.46 2,200.56 2.63% 2,243.02 2,112.61 6.17% 2,234.13 2,026.59 10.24%
Interest Exp. 1,505.66 1,374.63 9.53% 1,477.77 1,366.53 8.14% 1,450.23 1,285.00 12.86% 1,400.57 1,204.18 16.31%
Net Interest Income 755.62 903.36 -16.35% 780.69 834.03 -6.40% 792.79 827.61 -4.21% 833.56 822.41 1.36%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 358.37 279.01 28.44% 421.64 419.41 0.53% 299.00 326.07 -8.30% 269.92 249.64 8.12%
Total Income 2,619.65 2,557.00 2.45% 2,680.10 2,619.97 2.30% 2,542.02 2,438.68 4.24% 2,504.05 2,276.23 10.01%
Operating Exp. 646.61 623.71 3.67% 827.02 753.56 9.75% 658.75 613.34 7.40% 642.92 549.92 16.91%
Operating Profit 467.38 558.66 -16.34% 375.31 499.88 -24.92% 433.04 540.34 -19.86% 460.56 522.13 -11.79%
Provision 110.80 40.26 175.21% 31.06 184.72 -83.19% 83.79 144.42 -41.98% 31.33 119.87 -73.86%
PBT 356.58 518.40 -31.22% 344.25 315.16 9.23% 349.25 395.92 -11.79% 429.23 402.26 6.70%
PBTM 15.77 22.76 -30.71% 15.24 14.32 6.42% 15.57 18.74 -16.92% 19.21 19.85 -3.22%
TAX 64.08 117.97 -45.68% 91.63 40.73 124.97% 65.70 64.71 1.53% 92.99 72.02 29.12%
PAT 292.50 400.43 -26.95% 252.62 274.43 -7.95% 283.55 331.21 -14.39% 336.24 330.24 1.82%
PATM 12.94% 17.58% 11.19% 12.47% 12.64% 15.68% 15.05% 16.30%
EPS 7.74 10.59 -26.91% 6.68 7.26 -7.99% 7.50 8.76 -14.38% 8.90 8.74 1.83%
Gross NPA 2,571.09 2,668.45 -3.65% 2,402.08 2,578.42 -6.84% 2,419.06 2,536.72 -4.64% 2,414.92 2,324.19 3.90%
Gross NPA% 3.46 3.54 -2.26% 3.08 3.53 -12.75% 3.11 3.64 -14.56% 3.21 3.47 -7.49%
Net NPA 1,049.53 1,228.25 -14.55% 1,004.55 1,129.18 -11.04% 1,063.57 1,060.06 0.33% 1,083.08 888.94 21.84%
Net NPA% 1.44 1.66 -13.25% 1.31 1.58 -17.09% 1.39 1.55 -10.32% 1.46 1.36 7.35%
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

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 3,162.62 3,310.38 3,298.73 3,185.10 2,491.03 2,183.18 2,030.36 1,905.12 1,857.65 1,490.62 1,302.87 Interest Earned 8,996.89 9,013.60 8,298.51 7,220.23 6,221.66 6,232.41 6,474.77 5,905.96 5,423.75 5,185.40 4,992.21 Interest Expended 5,834.27 5,703.22 4,999.78 4,035.13 3,730.63 4,049.23 4,444.41 4,000.84 3,566.10 3,694.78 3,689.34 Int. income Growth -6.64% 0.35% 3.57% 27.86% 14.10% 7.53% 6.57% 2.56% 24.62% 14.41% Other Income 1,348.87 1,269.51 1,318.92 992.58 953.88 1,404.20 1,261.63 1,001.96 954.34 809.34 542.86 Total Income 10,345.76 4,579.89 4,617.65 4,177.68 3,444.91 3,587.38 3,291.99 2,907.08 2,811.99 2,299.96 1,845.73 Total Expenditure 2,775.75 2,854.24 2,983.09 2,650.22 2,676.68 2,901.94 2,706.20 2,245.13 2,451.78 1,782.26 1,275.50 Employee Cost - 1,538.40 1,372.84 1,069.19 1,014.95 913.31 897.00 605.56 524.79 601.03 443.02 % Of Sales - 17.07% 16.54% 14.81% 16.31% 14.65% 13.85% 10.25% 9.68% 11.59% 8.87% Opt. & Establishment Exp. - 1,299.52 1,153.31 986.67 869.63 839.32 801.98 905.85 864.10 752.88 590.41 % Of Sales - 14.42% 13.90% 13.67% 13.98% 13.47% 12.39% 15.34% 15.93% 14.52% 11.83% Provisions - 186.44 600.58 767.18 939.44 1,296.35 1,134.74 842.00 1,163.01 527.85 326.53 % Of Sales - 2.07% 7.24% 10.63% 15.10% 20.80% 17.53% 14.26% 21.44% 10.18% 6.54% EBITDA 1,735.74 1,725.65 1,634.56 1,527.46 768.23 685.44 585.79 661.95 360.21 517.70 570.23 EBITDA Margin 69.15% 52.13% 49.55% 47.96% 30.84% 31.40% 28.85% 34.75% 19.39% 34.73% 43.77% Depreciation 0.00 85.06 71.82 86.41 73.67 73.52 63.76 54.14 50.06 49.75 42.23 PBT 1,478.76 1,640.60 1,562.73 1,441.04 694.56 611.93 522.03 607.81 310.16 467.95 528.00 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 314.32 368.23 256.45 260.80 185.94 129.36 90.25 130.57 -15.45 15.69 112.71 Tax Rate 21.26% 22.44% 16.41% 18.10% 26.77% 21.14% 17.29% 21.48% -4.98% 3.35% 21.35% PAT 1,164.44 1,272.37 1,306.28 1,180.24 508.62 482.57 431.78 477.24 325.61 452.26 415.29 PAT before Minority Interest 1,164.44 1,272.37 1,306.28 1,180.24 508.62 482.57 431.78 477.24 325.61 452.26 415.29 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 25.81% 27.78% 28.29% 28.25% 14.76% 13.45% 13.12% 16.42% 11.58% 19.66% 22.50% PAT Growth -12.84% -2.60% 10.68% 132.05% 5.40% 11.76% -9.53% 46.57% -28.00% 8.90% EPS 30.81 33.66 34.56 31.22 13.46 12.77 11.42 12.63 8.61 11.96 10.99

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Net Interest Income 3,162.66 3,310.40 3,298.74 3,185.11 2,491.04 2,183.19 2,030.36 Interest Earned 8,996.89 9,013.60 8,298.51 7,220.23 6,221.66 6,232.41 6,474.77 Interest Expended 5,834.23 5,703.20 4,999.77 4,035.12 3,730.62 4,049.22 4,444.41 Int. income Growth -6.63% 0.35% 3.57% 27.86% 14.10% 7.53% Other Income 1,348.93 1,269.57 1,318.97 992.58 953.88 1,404.20 1,261.63 Total Income 10,345.82 4,579.97 4,617.71 4,177.69 3,444.92 3,587.39 3,291.99 Total Expenditure 2,775.30 2,853.79 2,982.77 2,650.76 2,677.32 2,902.06 2,706.20 Employee Cost - 1,550.21 1,381.76 1,073.46 1,016.20 913.31 897.00 % Of Sales - 17.20% 16.65% 14.87% 16.33% 14.65% 13.85% Opt. & Establishment Exp. - 1,287.30 1,144.28 983.00 869.02 839.44 801.98 % Of Sales - 14.28% 13.79% 13.61% 13.97% 13.47% 12.39% Provisions - 186.50 600.49 767.18 939.44 1,296.35 1,134.74 % Of Sales - 2.07% 7.24% 10.63% 15.10% 20.80% 17.53% EBITDA 1,736.29 1,726.18 1,634.94 1,526.93 767.60 685.33 585.79 EBITDA Margin 69.15% 52.14% 49.56% 47.94% 30.81% 31.39% 28.85% Depreciation 0.00 85.11 71.88 86.44 73.67 73.52 63.76 PBT 1,479.31 1,641.08 1,563.07 1,440.48 693.93 611.82 522.03 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 314.40 368.23 256.45 260.80 185.94 129.36 90.25 Tax Rate 21.25% 22.44% 16.41% 18.11% 26.80% 21.14% 17.29% PAT 1,164.91 1,272.85 1,306.62 1,179.68 507.99 482.46 431.78 PAT before Minority Interest 1,164.91 1,272.85 1,306.62 1,179.68 507.99 482.46 431.78 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 25.82% 27.79% 28.30% 28.24% 14.75% 13.45% 13.12% PAT Growth -12.83% -2.58% 10.76% 132.23% 5.29% 11.74% EPS 30.82 33.67 34.57 31.21 13.44 12.76 11.42

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 12,085.32 10,848.50 8,213.36 7,094.73 6,642.35 5,970.44 5,785.18 5,410.15 5,142.58 3,690.58 Share Capital 377.95 377.26 312.35 311.17 310.88 310.88 282.62 282.62 282.62 188.47 Total Reserves 11,705.84 10,470.28 7,900.95 6,783.50 6,331.48 5,659.56 5,502.57 5,127.53 4,859.97 3,499.20 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,04,807.49 97,988.22 87,368.01 80,386.85 75,654.86 71,785.15 68,452.12 62,871.29 56,733.11 50,488.21 Borrowings 1,940.55 4,399.53 1,562.72 2,313.84 1,764.88 4,065.12 3,325.51 815.97 832.62 1,051.48 Other Liabilities & Provisions 2,128.43 2,848.32 1,914.24 1,788.57 1,553.33 1,492.77 1,482.94 1,276.27 1,330.29 1,270.06 Total Liabilities 1,20,961.79 1,16,084.57 99,058.33 91,583.99 85,615.42 83,313.48 79,045.75 70,373.68 64,038.60 56,500.33 Net Block 976.17 914.64 846.08 805.00 837.85 826.42 775.00 761.60 720.57 306.64 Gross Block 1,696.84 1,578.34 1,456.06 1,369.13 1,335.60 1,260.31 1,160.24 1,096.79 1,006.72 548.77 Accumulated Depreciation 720.67 663.71 609.99 564.13 497.75 433.89 385.24 335.18 286.15 242.14 Total Non-Current Assets 1,10,052.83 1,04,791.88 90,312.67 84,079.06 79,304.97 78,255.52 75,397.94 67,058.81 61,130.03 53,510.66 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 14.36 13.27 29.14 13.16 0.51 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 7,525.73 7,716.61 5,204.23 3,957.22 4,866.15 2,756.05 3,411.66 3,545.82 2,929.27 2,645.62 Balance with banks and money at call 458.58 336.67 955.23 479.54 449.42 163.44 198.09 55.19 344.76 399.30 Investments 24,536.51 24,302.05 23,326.37 22,041.00 21,635.19 17,545.34 16,184.99 15,444.45 20,219.73 16,256.65 Advances 76,541.48 71,508.64 59,951.62 56,783.14 51,515.85 56,964.27 54,828.20 47,251.75 36,915.70 33,902.45 Other Assets 10,908.94 11,292.68 8,745.66 7,504.94 6,310.47 5,057.96 3,647.82 3,314.86 2,908.57 2,989.67 Total Assets 1,20,961.77 1,16,084.56 99,058.33 91,584.00 85,615.44 83,313.48 79,045.76 70,373.67 64,038.60 56,500.33 Contingent Liabilities 10,857.47 13,136.36 10,102.40 9,656.99 8,396.33 7,723.76 6,522.23 7,519.18 5,336.03 5,877.70 Bills for collection 2,353.97 2,581.43 2,773.08 2,485.73 2,378.63 2,315.38 2,229.88 2,407.27 1,925.77 1,507.99 Adjusted Book Value 306.52 274.16 246.62 213.25 198.70 176.93 172.84 176.71 166.98 159.39

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 12,084.84 10,847.53 8,212.06 7,093.99 6,642.24 5,970.44 Share Capital 377.95 377.26 312.35 311.17 310.88 310.88 Total Reserves 11,705.35 10,469.31 7,899.66 6,782.77 6,331.36 5,659.56 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,04,806.20 97,987.58 87,367.91 80,386.74 75,654.49 71,785.15 Borrowings 1,940.55 4,399.53 1,562.72 2,313.84 1,764.88 4,065.12 Other Liabilities & Provisions 2,128.87 2,848.62 1,914.43 1,788.77 1,553.33 1,492.77 Total Liabilities 1,20,960.46 1,16,083.26 99,057.12 91,583.34 85,614.94 83,313.48 Net Block 976.31 914.79 846.22 805.06 837.86 826.42 Gross Block 1,697.14 1,578.60 1,456.26 1,369.22 1,335.61 1,260.31 Accumulated Depreciation 720.83 663.81 610.04 564.15 497.75 433.89 Total Non-Current Assets 1,10,051.22 1,04,790.28 90,311.31 84,078.12 79,304.48 78,255.52 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 14.36 13.27 29.14 13.16 0.51 0.00 Cash and balance with RBI 7,525.73 7,716.61 5,204.23 3,957.22 4,866.15 2,756.05 Balance with banks and money at call 458.58 336.67 955.23 479.54 449.42 163.44 Investments 24,534.76 24,300.30 23,324.87 22,040.00 21,634.69 17,545.34 Advances 76,541.48 71,508.64 59,951.62 56,783.14 51,515.85 56,964.27 Other Assets 10,909.22 11,292.97 8,745.80 7,505.22 6,310.48 5,057.96 Total Assets 1,20,960.44 1,16,083.25 99,057.11 91,583.34 85,614.96 83,313.48 Contingent Liabilities 10,857.47 13,136.36 10,102.40 9,656.99 8,396.33 7,723.76 Bills for collection 2,353.97 2,581.43 2,773.08 2,485.73 2,378.63 2,315.38 Adjusted Book Value 306.51 274.13 246.57 213.23 198.70 176.93

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

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 209.52 680.98 1,830.08 -467.03 3,368.76 -89.60 -2,231.06 720.88 -184.11 635.93 PBT 1,272.37 1,306.28 1,180.24 508.62 482.57 431.78 477.24 325.61 452.26 415.29 Adjustment 728.30 914.68 1,400.46 1,319.14 1,717.37 1,365.51 1,089.18 1,338.41 625.63 515.71 Adjustments for Liabilities & Assets -1,427.02 -1,140.34 -443.23 -2,055.75 1,503.14 -1,672.41 -3,589.18 -621.71 -1,016.21 -109.84 Refund/(Payment) of direct taxes -364.13 -399.64 -307.38 -239.04 -334.31 -214.47 -208.31 -321.43 -245.80 -185.23 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 -690.55 -369.19 -87.42 -56.36 -87.40 -56.05 -67.54 -91.34 -39.86 -57.92 Net Fixed Assets -119.59 -106.41 -102.91 -46.18 -75.80 -100.07 -63.45 -90.07 -457.95 -53.59 Other Investment Activity -2080.39 -1679.03 -1541.56 -1469.69 -1392.16 -1327.85 -1251.58 -1136.65 -1064.64 -629.27 Cash from Financing Activity 412.06 1,582.02 -19.95 -355.42 -885.28 -544.61 2,307.33 -302.56 453.08 -147.25 Closing Cash & Equivalent 7,984.32 8,053.29 6,159.47 4,436.76 5,315.57 2,919.49 3,609.75 3,601.01 3,274.03 3,044.92 Net Cash Inflow / Outflow -68.97 1,893.82 1,722.71 -878.81 2,396.08 -690.26 8.74 326.98 229.11 430.77 Opening Cash & Equivalents 8,053.29 6,159.47 4,436.76 5,315.57 2,919.49 3,609.75 3,601.01 3,274.03 3,044.92 2,614.15

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 209.55 680.84 1,829.69 -467.46 3,368.27 -89.60 PBT 1,272.85 1,306.62 1,179.68 507.99 482.46 431.78 Adjustment 728.41 914.65 1,400.49 1,319.16 1,717.37 1,365.51 Adjustments for Liabilities & Assets -1,427.52 -1,140.71 -443.02 -2,055.56 1,502.76 -1,672.41 Refund/(Payment) of direct taxes -364.19 -399.72 -307.46 -239.05 -334.31 -214.47 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -690.59 -369.30 -87.53 -56.43 -87.41 -56.05 Net Fixed Assets -119.59 -106.41 -102.91 -46.18 -75.80 Other Investment Activity -2080.50 -1679.14 -1541.63 -1469.70 -1392.16 Cash from Financing Activity 412.06 1,582.27 -19.45 -354.92 -884.78 -544.61 Closing Cash & Equivalent 7,984.32 8,053.29 6,159.47 4,436.76 5,315.57 2,919.49 Net Cash Inflow / Outflow -68.97 1,893.82 1,722.71 -878.81 2,396.08 -690.26 Opening Cash & Equivalents 8,053.29 6,159.47 4,436.76 5,315.57 2,919.49 3,609.75

Financial Ratios

Standalone /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 306.52 274.16 246.62 213.25 198.70 176.93 172.84 160.64 151.80 144.90 NIM 3.04 3.18 3.56 2.99 2.78 2.62 2.55 2.80 2.47 2.45 Yield on Advances 11.78 11.60 12.04 10.96 12.10 11.37 10.77 11.48 14.05 14.73 Yield on Investments 6.31 6.21 6.18 6.16 8.17 8.89 7.84 8.80 7.79 7.70 Cost of Liabilities 5.34 4.88 4.54 4.51 5.23 5.86 5.57 5.60 6.42 7.16 Interest Spread 6.43 6.72 7.51 6.45 6.87 5.51 5.20 5.88 7.63 7.57 ROCE 12.35% 14.25% 17.61% 9.44% 8.79% 7.96% 10.25% 6.61% 10.48% 13.73% Cost Income Ratio 60.11 53.15 47.14 52.57 46.81 49.67 50.13 47.61 56.70 53.70 Core Cost Income Ratio 61.25 54.49 45.37 51.81 54.99 56.55 53.11 51.21 65.35 55.58 Operating Costs to Assets 2.28 2.11 1.99 1.98 1.96 1.96 1.84 1.90 2.04 1.75 Loans/Deposits 0.02 0.04 0.02 0.03 0.02 0.06 0.05 0.01 0.01 0.02 Cash/Deposits 0.07 0.08 0.06 0.05 0.06 0.04 0.05 0.06 0.05 0.05 Investment/Deposits 0.23 0.25 0.27 0.27 0.29 0.24 0.24 0.25 0.36 0.32 Inc Loan/Deposits 1.85% 4.49% 1.79% 2.88% 2.33% 5.66% 4.86% 1.30% 1.47% 2.08% Credit Deposits 73.03% 72.98% 68.62% 70.64% 68.09% 79.35% 80.10% 75.16% 65.07% 67.15% Interest Expended / Interest earned 63.27% 60.25% 55.89% 59.96% 64.97% 68.64% 67.74% 65.75% 71.25% 73.90% Interest income / Total funds 7.45% 7.15% 7.29% 6.79% 7.28% 7.77% 7.47% 7.71% 8.10% 8.84% Interest Expended / Total funds 4.71% 4.31% 4.07% 4.07% 4.73% 5.33% 5.06% 5.07% 5.77% 6.53% CASA 31.75% 31.94% 32.97% 32.97% 31.49% 28.91% 28.06% 27.98% 29.04% 26.26%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Book Value 306.51 274.13 246.57 213.23 198.70 176.93 NIM 3.04 3.18 3.56 2.99 2.78 2.62 Yield on Advances 11.78 11.60 12.04 10.96 12.10 11.37 Yield on Investments 6.31 6.21 6.18 6.17 8.17 8.89 Cost of Liabilities 5.34 4.88 4.54 4.51 5.23 5.86 Interest Spread 6.43 6.72 7.51 6.45 6.87 5.51 ROCE 12.35% 14.25% 17.61% 9.43% 8.79% 7.60% Cost Income Ratio 60.10 53.15 47.16 52.59 46.81 49.67 Core Cost Income Ratio 61.23 54.49 45.39 51.83 54.99 56.55 Operating Costs to Assets 2.28 2.11 1.99 1.98 1.96 1.96 Loans/Deposits 0.02 0.04 0.02 0.03 0.02 0.06 Cash/Deposits 0.07 0.08 0.06 0.05 0.06 0.04 Investment/Deposits 0.23 0.25 0.27 0.27 0.29 0.24 Inc Loan/Deposits 1.85% 4.49% 1.79% 2.88% 2.33% 5.66% Credit Deposits 73.03% 72.98% 68.62% 70.64% 68.09% 79.35% Interest Expended / Interest earned 63.27% 60.25% 55.89% 59.96% 64.97% 68.64% Interest income / Total funds 7.45% 7.15% 7.29% 6.79% 7.28% 7.77% Interest Expended / Total funds 4.71% 4.31% 4.07% 4.07% 4.73% 5.33% CASA 31.75% 31.94% 32.97% 32.97% 31.49% 28.91%