RBL Bank, 540065, RBLBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

11,967.97
16.69
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

14,082.40
0.51%
0.76

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

32.99
7.89
-7.73

EBITDA CAGR (%)

10 Years
5 Years
3 Years

18.88
20.29
-

PAT CAGR (%)

10 Years
5 Years
3 Years

0.84
0.80

P:E (Median)

8 Years
5 Years
3 Years

14.82
12.19
11.84

P:BV (Average)

8 Years
5 Years
3 Years

1.68
0.84
0.80

EV:EBITDA (Average)

8 Years
5 Years
3 Years

11.57
5.55
5.01

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 3,475.57 3,339.09 4.09% 3,536.33 3,191.38 10.81% 3,530.93 3,007.95 17.39% 3,496.24 2,855.88 22.42%
Interest Exp. 1,912.55 1,739.24 9.96% 1,951.27 1,645.52 18.58% 1,915.96 1,532.97 24.98% 1,796.27 1,433.68 25.29%
Net Interest Income 1,563.02 1,599.85 -2.30% 1,585.06 1,545.86 2.54% 1,614.97 1,474.98 9.49% 1,699.97 1,422.20 19.53%
NIM 4.89 5.45 -10.28% 4.90 5.52 -11.23% 5.04 5.54 -9.03% 5.67 4.84 17.15%
Other Income 1,000.03 875.47 14.23% 1,073.33 777.57 38.04% 927.36 704.44 31.64% 805.46 685.41 17.52%
Total Income 4,475.60 4,214.56 6.19% 4,609.66 3,968.95 16.14% 4,458.29 3,712.39 20.09% 4,301.70 3,541.29 21.47%
Operating Exp. 1,701.86 1,588.29 7.15% 1,661.76 1,558.18 6.65% 1,632.44 1,448.44 12.70% 1,646.35 1,460.12 12.75%
Operating Profit 861.19 887.03 -2.91% 996.63 765.25 30.24% 909.89 730.98 24.48% 859.08 647.49 32.68%
Provision 785.14 413.79 89.74% 1,188.90 458.14 159.51% 618.33 640.35 -3.44% 366.29 266.19 37.60%
PBT 76.05 473.24 -83.93% -192.27 307.11 - 291.56 90.63 221.70% 492.79 381.30 29.24%
PBTM 2.19 14.17 -84.54% -5.44 9.62 - 8.26 3.01 174.42% 14.09 13.35 5.54%
TAX 7.35 120.60 -93.91% -224.90 74.02 - 69.04 -203.45 - 121.27 93.19 30.13%
PAT 68.70 352.64 -80.52% 32.63 233.09 -86.00% 222.52 294.08 -24.33% 371.52 288.11 28.95%
PATM 1.98% 10.56% 0.92% 7.30% 6.30% 9.78% 10.63% 10.09%
EPS 1.13 5.83 -80.62% 0.54 3.87 -86.05% 3.66 4.89 -25.15% 6.13 4.80 27.71%
Gross NPA 2,465.47 2,270.97 8.56% 2,701.00 2,551.05 5.88% 2,581.08 2,440.66 5.75% 2,377.82 2,404.25 -1.10%
Gross NPA% 2.60 2.65 -1.89% 2.92 3.12 -6.41% 2.88 3.12 -7.69% 2.69 3.22 -16.46%
Net NPA 270.79 619.30 -56.27% 481.64 635.64 -24.23% 697.51 594.50 17.33% 638.94 729.80 -12.45%
Net NPA% 0.29 0.74 -60.81% 0.53 0.80 -33.75% 0.79 0.78 1.28% 0.74 1.00 -26.00%
CASA 34.10 35.20 -3.12% 32.80 33.80 -2.96% 33.60 35.70 -5.88% 32.60 37.30 -12.60%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 3,476.60 3,339.18 4.12% 3,536.55 3,191.46 10.81% 3,531.02 3,007.76 17.40% 3,496.94 2,855.40 22.47%
Interest Exp. 1,912.59 1,739.09 9.98% 1,951.31 1,644.90 18.63% 1,916.00 1,532.56 25.02% 1,796.29 1,433.50 25.31%
Net Interest Income 1,564.01 1,600.09 -2.25% 1,585.24 1,546.56 2.50% 1,615.02 1,475.20 9.48% 1,700.65 1,421.90 19.60%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 1,001.31 875.81 14.33% 1,073.92 777.36 38.15% 928.03 712.81 30.19% 775.12 693.97 11.69%
Total Income 4,477.91 4,214.99 6.24% 4,610.47 3,968.82 16.17% 4,459.05 3,720.57 19.85% 4,272.06 3,549.37 20.36%
Operating Exp. 1,686.85 1,576.21 7.02% 1,647.71 1,546.22 6.56% 1,620.22 1,422.64 13.89% 1,634.07 1,431.45 14.15%
Operating Profit 878.47 899.69 -2.36% 1,011.45 777.70 30.06% 922.83 765.37 20.57% 841.70 684.42 22.98%
Provision 785.14 413.79 89.74% 1,188.90 458.14 159.51% 618.34 640.35 -3.44% 366.28 266.19 37.60%
PBT 93.33 485.90 -80.79% -177.45 319.56 - 304.49 125.02 143.55% 475.42 418.23 13.67%
PBTM 2.68 14.55 -81.58% -5.02 10.01 - 8.62 4.16 107.21% 13.60 14.65 -7.17%
TAX 6.34 121.47 -94.78% -224.77 74.67 - 72.79 -206.06 - 124.37 98.74 25.96%
PAT 86.99 364.43 -76.13% 47.32 244.89 -80.68% 231.70 331.08 -30.02% 351.05 319.49 9.88%
PATM 2.50% 10.91% 1.34% 7.67% 6.56% 11.01% 10.04% 11.19%
EPS 1.43 5.99 -76.13% 0.78 4.03 -80.65% 3.81 5.45 -30.09% 5.77 5.26 9.70%
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

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 6,463.02 6,042.89 4,998.18 4,026.74 3,787.57 3,629.64 2,539.48 1,766.29 1,221.34 819.21 556.37 Interest Earned 14,039.07 12,394.30 9,676.57 8,175.79 8,329.02 8,514.38 6,300.71 4,507.57 3,713.16 2,744.31 1,953.09 Interest Expended 7,576.05 6,351.41 4,678.39 4,149.05 4,541.45 4,884.74 3,761.23 2,741.28 2,491.82 1,925.10 1,396.72 Int. income Growth 6.95% 20.90% 24.12% 6.31% 4.35% 42.93% 43.77% 44.62% 49.09% 47.24% Other Income 3,806.18 3,042.89 2,489.43 2,340.53 1,884.04 1,910.25 1,442.37 1,068.19 755.46 490.54 403.41 Total Income 17,845.25 9,085.78 7,487.61 6,367.27 5,671.61 5,539.89 3,981.85 2,834.48 1,976.80 1,309.75 959.78 Total Expenditure 6,642.41 7,618.92 6,110.71 6,318.36 4,824.25 4,648.80 2,560.78 1,780.97 1,233.82 833.39 626.62 Employee Cost - 1,492.23 1,340.34 1,001.54 845.35 768.43 636.18 550.68 446.14 369.92 300.87 % Of Sales - 12.04% 13.85% 12.25% 10.15% 9.03% 10.10% 12.22% 12.02% 13.48% 15.40% Opt. & Establishment Exp. - 4,777.38 4,141.24 2,784.40 2,067.52 2,195.43 1,527.74 1,039.69 671.76 445.78 331.99 % Of Sales - 38.54% 42.80% 34.06% 24.82% 25.78% 24.25% 23.07% 18.09% 16.24% 17.00% Provisions - 1,778.47 1,021.95 2,860.40 2,227.94 1,961.54 640.68 364.52 238.92 114.41 60.18 % Of Sales - 14.35% 10.56% 34.99% 26.75% 23.04% 10.17% 8.09% 6.43% 4.17% 3.08% EBITDA 3,626.79 1,466.86 1,376.90 48.91 847.36 891.09 1,421.07 1,053.51 742.98 476.36 333.16 EBITDA Margin 52.69% 24.27% 27.55% 1.21% 22.37% 24.55% 55.96% 59.65% 60.83% 58.15% 59.88% Depreciation 0.00 214.58 196.41 163.99 158.28 138.30 121.91 86.96 61.50 48.36 33.21 PBT 668.13 1,252.28 1,180.50 -115.09 689.08 752.78 1,299.15 966.55 681.49 428.00 299.94 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 -27.24 84.36 297.78 -40.35 181.30 247.11 432.20 331.46 235.44 135.52 92.77 Tax Rate -4.08% 6.74% 25.22% 35.06% 26.31% 32.83% 33.27% 34.29% 34.55% 31.66% 30.93% PAT 695.37 1,167.92 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 207.17 PAT before Minority Interest 695.37 1,167.92 882.72 -74.74 507.78 505.67 866.95 635.09 446.05 292.48 207.17 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 6.77% 12.85% 11.79% -1.17% 8.95% 9.13% 21.77% 22.41% 22.56% 22.33% 21.59% PAT Growth -40.46% 32.31% 0 -114.72% 0.42% -41.67% 36.51% 42.38% 52.51% 41.18% EPS 11.44 19.21 14.52 -1.23 8.35 8.32 14.26 10.45 7.34 4.81 3.41

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 6,464.92 6,043.75 4,997.99 4,296.62 4,136.42 3,893.91 2,541.44 1,820.58 1,221.34 Interest Earned 14,041.11 12,393.80 9,676.61 8,444.86 8,675.88 8,778.65 6,302.09 4,561.48 3,713.16 Interest Expended 7,576.19 6,350.05 4,678.62 4,148.24 4,539.46 4,884.74 3,760.65 2,740.90 2,491.82 Int. income Growth 6.97% 20.92% 16.32% 3.87% 6.23% 53.22% 39.60% 49.06% Other Income 3,778.38 3,059.95 2,506.93 2,351.51 1,874.67 1,918.04 1,440.98 1,068.81 755.46 Total Income 17,819.49 9,103.70 7,504.92 6,648.13 6,011.09 5,811.95 3,982.42 2,889.39 1,976.80 Total Expenditure 6,588.85 7,520.47 6,070.68 6,674.48 5,129.45 4,918.73 2,558.77 1,826.83 1,233.82 Employee Cost - 1,855.92 1,653.47 1,332.35 1,122.24 967.50 752.31 581.82 446.14 % Of Sales - 14.97% 17.09% 15.78% 12.94% 11.02% 11.94% 12.76% 12.02% Opt. & Establishment Exp. - 4,355.12 3,821.44 2,842.05 2,118.49 2,281.43 1,417.40 1,055.01 671.76 % Of Sales - 35.14% 39.49% 33.65% 24.42% 25.99% 22.49% 23.13% 18.09% Provisions - 1,778.47 1,021.95 2,860.40 2,227.94 1,961.54 640.68 367.48 238.92 % Of Sales - 14.35% 10.56% 33.87% 25.68% 22.34% 10.17% 8.06% 6.43% EBITDA 3,654.45 1,583.23 1,434.24 -26.35 881.64 893.22 1,423.65 1,062.56 742.98 EBITDA Margin 53.07% 26.20% 28.70% -0.61% 21.31% 22.94% 56.02% 58.36% 60.83% Depreciation 0.00 234.52 213.09 180.16 169.61 145.87 125.81 88.74 61.50 PBT 695.79 1,348.71 1,221.14 -206.51 712.03 747.35 1,297.83 973.83 681.49 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax -21.27 88.82 301.60 -40.36 182.56 247.17 436.47 334.63 235.44 Tax Rate -3.06% 6.59% 24.70% 19.54% 25.64% 33.07% 33.63% 34.36% 34.55% PAT 717.06 1,259.89 919.54 -166.15 529.47 500.18 857.83 637.58 446.05 PAT before Minority Interest 717.06 1,259.89 919.54 -166.15 529.47 500.18 861.36 639.20 446.05 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 -3.53 -1.62 0.00 PAT Margin 7.00% 13.84% 12.25% -2.50% 8.81% 8.61% 21.54% 22.07% 22.56% PAT Growth -43.09% 37.01% 0 -131.38% 5.86% -41.69% 34.54% 42.94% EPS 11.80 20.73 15.13 -2.73 8.71 8.23 14.11 10.49 7.34

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 14,796.39 13,576.59 12,618.25 12,662.58 10,582.95 7,547.32 6,683.97 4,335.58 2,989.23 2,230.43 Share Capital 605.10 599.57 599.51 598.02 508.70 426.71 419.67 375.20 324.73 293.45 Total Reserves 14,073.60 12,902.03 12,008.18 12,063.93 10,073.84 7,120.50 6,264.30 3,960.37 2,664.50 1,936.98 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,03,493.60 84,886.52 79,006.53 73,121.27 57,812.22 58,394.42 43,902.26 34,588.09 24,348.65 17,099.25 Borrowings 14,184.09 13,331.28 11,093.04 11,225.89 17,006.73 11,832.07 9,261.44 7,979.76 10,536.22 6,962.70 Other Liabilities & Provisions 5,958.13 4,081.80 3,490.76 3,640.87 3,575.87 2,585.02 2,003.08 1,771.35 1,286.98 812.30 Total Liabilities 1,38,432.21 1,15,876.19 1,06,208.58 1,00,650.61 88,977.77 80,358.83 61,850.75 48,674.78 39,161.08 27,104.68 Net Block 525.06 528.68 466.56 442.36 407.67 362.54 302.71 224.16 158.24 154.35 Gross Block 1,592.84 1,459.09 1,254.45 1,091.26 922.15 748.44 588.93 425.75 302.05 252.39 Accumulated Depreciation 1,067.79 930.41 787.89 648.91 514.48 385.90 286.21 201.58 143.80 98.04 Total Non-Current Assets 1,28,511.70 1,08,178.81 1,00,391.97 95,743.62 85,495.73 78,153.19 60,333.78 47,383.11 38,292.33 26,610.29 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 7.33 45.30 81.55 24.12 62.09 39.94 31.29 34.55 19.05 10.09 Cash and balance with RBI 12,070.82 6,238.06 13,111.08 6,704.70 6,415.08 4,839.52 2,589.33 2,947.93 1,339.75 1,455.68 Balance with banks and money at call 2,345.73 2,281.97 4,436.62 6,719.51 2,442.10 1,762.59 1,695.11 1,245.72 1,110.18 714.66 Investments 29,575.85 28,875.45 22,274.35 23,230.42 18,149.74 16,840.36 15,447.50 13,481.71 14,436.03 9,825.68 Advances 83,986.91 70,209.35 60,021.81 58,622.51 58,019.05 54,308.24 40,267.84 29,449.04 21,229.08 14,449.83 Other Assets 9,920.50 7,697.38 5,816.62 4,907.00 3,482.04 2,205.62 1,516.97 1,291.67 868.75 494.39 Total Assets 1,38,432.20 1,15,876.19 1,06,208.59 1,00,650.62 88,977.77 80,358.81 61,850.75 48,674.78 39,161.08 27,104.68 Contingent Liabilities 93,224.09 70,104.39 65,299.31 59,088.26 73,653.79 61,302.59 51,395.93 41,904.46 29,718.22 21,970.21 Bills for collection 3,987.04 3,300.32 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 772.32 513.51 Adjusted Book Value 242.57 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02 75.97

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 14,837.44 13,525.66 12,530.50 12,666.24 10,564.93 7,534.79 6,680.56 4,336.34 Share Capital 605.10 599.57 599.51 598.02 508.70 426.71 419.67 375.20 Total Reserves 14,114.64 12,851.11 11,920.43 12,067.59 10,055.82 7,107.97 6,260.89 3,961.13 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 18.82 0.00 Deposits 1,03,470.44 84,874.74 79,006.36 73,054.62 57,812.01 58,357.63 43,883.10 34,588.09 Borrowings 14,185.25 13,331.74 11,097.76 11,226.14 17,006.91 11,832.07 9,261.44 7,979.76 Other Liabilities & Provisions 5,960.80 4,073.57 3,528.02 3,671.77 3,599.61 2,673.30 2,033.36 1,771.35 Total Liabilities 1,38,453.93 1,15,805.71 1,06,162.64 1,00,618.77 88,983.46 80,397.79 61,877.28 48,675.54 Net Block 591.24 593.87 496.87 470.75 430.00 375.57 308.35 224.16 Gross Block 1,721.76 1,573.59 1,328.31 1,149.51 963.35 773.02 602.21 425.75 Accumulated Depreciation 1,130.52 979.71 831.44 678.76 533.35 397.45 293.86 201.58 Total Non-Current Assets 1,28,486.66 1,08,083.06 1,00,269.42 95,645.76 85,411.11 78,117.64 60,314.67 47,383.87 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 7.33 45.30 81.55 24.45 62.42 39.94 31.29 34.55 Cash and balance with RBI 12,070.82 6,238.06 13,111.08 6,704.74 6,415.67 4,840.05 2,589.46 2,947.93 Balance with banks and money at call 2,352.60 2,289.13 4,446.19 6,738.08 2,442.90 1,808.67 1,720.69 1,245.72 Investments 29,477.76 28,730.26 22,129.16 23,085.23 18,054.55 16,745.17 15,397.04 13,482.47 Advances 83,986.91 70,186.44 60,004.57 58,622.51 58,005.57 54,308.24 40,267.84 29,449.04 Other Assets 9,967.25 7,722.66 5,893.22 4,973.01 3,572.35 2,280.15 1,562.59 1,291.67 Total Assets 1,38,453.91 1,15,805.72 1,06,162.64 1,00,618.77 88,983.46 80,397.79 61,877.26 48,675.54 Contingent Liabilities 93,226.07 70,111.52 65,305.61 59,091.20 73,657.97 61,302.59 51,395.93 41,904.46 Bills for collection 3,987.04 3,300.32 3,224.45 2,760.72 2,387.38 2,308.94 1,418.19 822.71 Adjusted Book Value 243.25 224.33 208.83 211.78 207.66 176.55 159.16 115.55

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 4,934.96 -11,044.09 6,449.46 7,596.90 -5,084.09 -30.89 -2,527.81 3,433.65 -4,384.20 -2,260.51 PBT 1,252.28 1,180.51 -115.08 689.08 752.78 1,299.15 966.55 681.49 428.01 299.94 Adjustment 2,401.91 1,634.37 3,383.25 2,559.54 2,144.09 762.99 451.61 299.66 161.95 88.42 Adjustments for Liabilities & Assets 1,450.99 -13,621.26 3,335.40 4,676.57 -7,666.46 -1,509.03 -3,570.83 2,673.50 -4,823.16 -2,549.88 Refund/(Payment) of direct taxes -170.23 -237.71 -154.11 -328.29 -314.50 -584.00 -375.14 -221.00 -151.00 -99.00 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 -172.45 -222.56 -245.97 -156.78 -205.57 -190.41 -162.19 -142.18 -60.43 -58.36 Net Fixed Assets -95.78 -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 -139.20 -58.62 -61.40 Other Investment Activity -1822.73 -1750.36 -1492.78 -1320.95 -1174.65 -950.57 -762.40 -520.73 -379.46 -321.84 Cash from Financing Activity 842.10 2,238.94 -113.77 -4,206.74 7,697.67 2,566.64 2,994.79 -1,656.14 4,039.88 3,075.68 Closing Cash & Equivalent 14,124.59 8,519.99 17,547.69 11,457.97 8,224.59 5,816.58 3,471.24 3,166.44 1,531.11 1,935.87 Net Cash Inflow / Outflow 5,604.61 -9,027.70 6,089.72 3,233.38 2,408.01 2,345.34 304.80 1,635.33 -404.75 756.80 Opening Cash & Equivalents 8,519.99 17,547.69 11,457.97 8,224.59 5,816.58 3,471.24 3,166.44 1,531.11 1,935.87 1,179.07

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 4,954.98 -11,031.25 6,448.91 7,631.44 -5,172.56 78.24 -2,556.01 3,433.65 PBT 1,348.71 1,221.15 -206.50 712.03 747.35 1,297.84 973.82 681.49 Adjustment 2,421.94 1,651.16 3,399.71 2,570.88 2,151.69 762.63 457.06 1,061.20 Adjustments for Liabilities & Assets 1,381.73 -13,670.57 3,419.58 4,703.98 -7,742.68 -1,381.23 -3,611.75 1,911.96 Refund/(Payment) of direct taxes -197.40 -232.99 -163.88 -355.44 -328.91 -601.00 -375.14 -221.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -193.46 -233.55 -264.03 -174.18 -222.79 -201.71 -165.19 -142.18 Net Fixed Assets -95.78 -168.39 -220.62 -131.14 -195.86 -168.16 -159.92 Other Investment Activity -1833.72 -1768.42 -1510.18 -1338.17 -1185.95 -953.57 -762.40 Cash from Financing Activity 842.80 2,234.69 -109.30 -4,206.67 7,697.85 2,566.64 2,994.03 -1,656.14 Closing Cash & Equivalent 14,126.37 8,522.05 17,552.15 11,476.57 8,225.98 5,923.48 3,480.31 3,166.44 Net Cash Inflow / Outflow 5,604.32 -9,030.11 6,075.58 3,250.60 2,302.50 2,443.18 272.84 1,635.33 Opening Cash & Equivalents 8,522.05 17,552.15 11,476.57 8,225.98 5,923.48 3,480.31 3,207.47 1,531.11

Financial Ratios

Standalone /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 242.57 225.18 210.29 211.72 208.01 176.85 159.25 115.53 92.02 75.97 NIM 4.72 4.64 4.03 3.98 4.27 3.27 2.94 2.59 2.15 2.10 Yield on Advances 14.76 13.78 13.62 14.21 14.68 11.60 11.19 12.61 12.93 13.52 Yield on Investments 7.34 6.05 7.14 7.10 8.44 6.96 7.54 8.16 5.58 5.86 Cost of Liabilities 5.40 4.76 4.60 5.38 6.53 5.36 5.16 5.85 5.52 5.80 Interest Spread 9.36 9.02 9.02 8.82 8.15 6.25 6.04 6.75 7.41 7.71 ROCE 8.09% 7.32% 2.08% 6.21% 6.94% 10.28% 9.67% 9.38% 7.45% 8.08% Cost Income Ratio 66.64 70.59 56.88 48.57 51.00 51.28 53.04 53.44 58.59 62.48 Core Cost Income Ratio 67.83 71.83 59.20 51.02 52.52 52.31 56.35 56.86 61.39 66.48 Operating Costs to Assets 4.37 4.56 3.41 2.74 3.18 2.54 2.43 2.17 1.96 2.21 Loans/Deposits 0.14 0.16 0.14 0.15 0.29 0.20 0.21 0.23 0.43 0.41 Cash/Deposits 0.12 0.07 0.17 0.09 0.11 0.08 0.06 0.09 0.06 0.09 Investment/Deposits 0.29 0.34 0.28 0.32 0.31 0.29 0.35 0.39 0.59 0.57 Inc Loan/Deposits 13.71% 15.70% 14.04% 15.35% 29.42% 20.26% 21.10% 23.07% 43.27% 40.72% Credit Deposits 81.15% 82.71% 75.97% 80.17% 100.36% 93.00% 91.72% 85.14% 87.19% 84.51% Interest Expended / Interest earned 51.24% 48.35% 50.75% 54.53% 57.37% 59.70% 60.82% 67.11% 70.15% 71.51% Interest income / Total funds 8.95% 8.35% 7.70% 8.28% 9.57% 7.84% 7.29% 7.63% 7.01% 7.21% Interest Expended / Total funds 4.59% 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% 4.92% 5.15% CASA 35.22% 37.36% 35.29% 31.82% 29.61% 24.98% 24.32% 21.98% 18.64% 18.46%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 243.25 224.33 208.83 211.78 207.66 176.55 159.16 115.55 NIM 4.73 4.65 4.31 4.35 4.59 3.27 3.04 2.59 Yield on Advances 14.76 13.79 14.07 14.80 15.13 11.60 11.33 12.61 Yield on Investments 7.36 6.08 7.19 7.15 8.49 7.00 7.56 8.16 Cost of Liabilities 5.40 4.76 4.60 5.39 6.53 5.36 5.16 5.85 Interest Spread 9.36 9.02 9.47 9.41 8.61 6.25 6.17 6.75 ROCE 8.43% 7.50% 1.70% 6.30% 6.92% 10.28% 9.73% 9.84% Cost Income Ratio 65.65 70.11 60.08 51.09 53.39 51.32 53.58 53.44 Core Cost Income Ratio 66.81 71.34 62.42 53.51 54.90 52.35 56.86 56.86 Operating Costs to Assets 4.32 4.54 3.76 3.05 3.49 2.54 2.50 2.17 Loans/Deposits 0.14 0.16 0.14 0.15 0.29 0.20 0.21 0.23 Cash/Deposits 0.12 0.07 0.17 0.09 0.11 0.08 0.06 0.09 Investment/Deposits 0.28 0.34 0.28 0.32 0.31 0.29 0.35 0.39 Inc Loan/Deposits 13.71% 15.71% 14.05% 15.37% 29.42% 20.28% 21.10% 23.07% Credit Deposits 81.17% 82.69% 75.95% 80.24% 100.33% 93.06% 91.76% 85.14% Interest Expended / Interest earned 51.24% 48.35% 49.12% 52.32% 55.64% 59.67% 60.09% 67.11% Interest income / Total funds 8.95% 8.36% 7.95% 8.62% 9.87% 7.84% 7.37% 7.63% Interest Expended / Total funds 4.59% 4.04% 3.91% 4.51% 5.49% 4.68% 4.43% 5.12% CASA 35.21% 37.35% 35.29% 31.81% 29.61% 24.93% 24.32% 21.98%