The South Indian Bank, 532218, SOUTHBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

12,035.69
7.96
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

9,779.74
0.98%
1.02

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-7.40
-45.89
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.00
100.60
10.80

PAT CAGR (%)

10 Years
5 Years
3 Years

0.74
0.83

P:E (Median)

8 Years
5 Years
3 Years

6.11
6.11
6.19

P:BV (Average)

8 Years
5 Years
3 Years

0.74
0.74
0.83

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.16
3.16
3.53

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 2,627.81 2,362.44 11.23% 2,559.48 2,373.44 7.84% 2,517.53 2,370.74 6.19% 2,407.05 2,354.72 2.22%
Interest Exp. 1,603.09 1,529.87 4.79% 1,644.15 1,505.11 9.24% 1,636.85 1,501.48 9.02% 1,598.27 1,472.44 8.55%
Net Interest Income 1,024.72 832.57 23.08% 915.33 868.33 5.41% 880.68 869.26 1.31% 808.78 882.28 -8.33%
NIM 3.23 3.03 6.60% 2.95 3.21 -8.10% 3.26 3.19 2.19% 2.80 3.34 -16.17%
Other Income 379.49 621.89 -38.98% 385.94 572.37 -32.57% 485.93 409.22 18.75% 515.73 410.12 25.75%
Total Income 3,007.30 2,984.33 0.77% 2,945.42 2,945.81 -0.01% 3,003.46 2,779.96 8.04% 2,922.78 2,764.84 5.71%
Operating Exp. 812.41 782.26 3.85% 719.99 757.39 -4.94% 782.28 749.64 4.35% 788.95 742.15 6.31%
Operating Profit 591.80 672.20 -11.96% 581.28 683.31 -14.93% 584.33 528.84 10.49% 535.56 550.25 -2.67%
Provision 84.34 239.26 -64.75% 34.39 224.19 -84.66% 80.41 66.04 21.76% 63.27 110.01 -42.49%
PBT 507.46 432.94 17.21% 546.89 459.12 19.12% 503.92 462.80 8.89% 472.29 440.24 7.28%
PBTM 19.31 18.33 5.35% 21.37 19.34 10.50% 20.02 19.52 2.56% 19.62 18.70 4.92%
TAX 129.83 110.99 16.97% 139.39 116.93 19.21% 129.60 120.93 7.17% 120.92 115.55 4.65%
PAT 377.63 321.95 17.29% 407.50 342.19 19.09% 374.32 341.87 9.49% 351.37 324.69 8.22%
PATM 14.37% 13.63% 15.92% 14.42% 14.87% 14.42% 14.60% 13.79%
EPS 1.44 1.23 17.07% 1.56 1.31 19.08% 1.43 1.31 9.16% 1.34 1.24 8.06%
Gross NPA 1,437.67 2,806.57 -48.77% 1,430.50 2,799.83 -48.91% 2,581.50 3,735.56 -30.89% 2,703.47 3,731.31 -27.55%
Gross NPA% 1.38 3.15 -56.19% 1.43 3.20 -55.31% 2.67 4.30 -37.91% 2.93 4.40 -33.41%
Net NPA 267.47 591.38 -54.77% 287.93 790.52 -63.58% 425.90 1,056.11 -59.67% 505.82 1,073.10 -52.86%
Net NPA% 0.26 0.68 -61.76% 0.29 0.92 -68.48% 0.45 1.25 -64.00% 0.56 1.31 -57.25%
CASA 32.98 32.06 2.87% 32.12 31.37 2.39% 31.84 31.15 2.22% 31.86 31.80 0.19%

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 2,627.81 2,362.44 11.23% 2,559.48 2,373.44 7.84% 2,517.53 2,370.74 6.19% 2,407.05 2,354.72 2.22%
Interest Exp. 1,603.09 1,529.87 4.79% 1,644.15 1,505.11 9.24% 1,636.85 1,501.48 9.02% 1,598.27 1,472.44 8.55%
Net Interest Income 1,024.72 832.57 23.08% 915.33 868.33 5.41% 880.68 869.26 1.31% 808.78 882.28 -8.33%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 379.59 621.69 -38.94% 385.84 572.33 -32.58% 485.73 409.10 18.73% 515.52 410.00 25.74%
Total Income 3,007.40 2,984.13 0.78% 2,945.32 2,945.77 -0.02% 3,003.26 2,779.84 8.04% 2,922.57 2,764.72 5.71%
Operating Exp. 812.47 781.76 3.93% 720.24 757.22 -4.88% 781.84 749.34 4.34% 788.45 741.93 6.27%
Operating Profit 591.84 672.50 -11.99% 580.93 683.44 -15.00% 584.57 529.02 10.50% 535.85 550.35 -2.63%
Provision 84.34 239.26 -64.75% 34.40 224.19 -84.66% 80.41 66.04 21.76% 63.27 110.01 -42.49%
PBT 507.50 433.24 17.14% 546.53 459.25 19.00% 504.16 462.98 8.89% 472.58 440.34 7.32%
PBTM 19.31 18.34 5.29% 21.35 19.35 10.34% 20.03 19.53 2.56% 19.63 18.70 4.97%
TAX 129.84 111.07 16.90% 139.13 116.84 19.08% 129.68 120.98 7.19% 120.99 115.55 4.71%
PAT 377.66 322.17 17.22% 407.40 342.41 18.98% 374.48 342.00 9.50% 351.59 324.79 8.25%
PATM 14.37% 13.64% 15.92% 14.43% 14.87% 14.43% 14.61% 13.79%
EPS 1.44 1.23 17.07% 1.56 1.31 19.08% 1.43 1.31 9.16% 1.34 1.24 8.06%
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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 3,629.51 3,437.36 3,485.64 3,332.06 3,012.08 2,239.76 2,406.90 2,317.50 2,019.70 1,965.52 1,675.43 Interest Earned 10,111.87 9,846.50 9,413.31 8,612.81 7,233.18 6,586.54 7,305.44 7,763.80 6,876.52 6,192.81 5,847.08 Interest Expended 6,482.36 6,409.14 5,927.67 5,280.75 4,221.10 4,346.78 4,898.54 5,446.30 4,856.82 4,227.29 4,171.65 Int. income Growth 5.13% -1.39% 4.61% 10.62% 34.48% -6.94% 3.86% 14.74% 2.76% 17.31% Other Income 1,767.09 2,009.49 1,813.43 1,515.52 812.63 1,034.10 1,229.17 1,045.75 726.21 837.24 715.56 Total Income 11,878.96 5,446.85 5,299.07 4,847.58 3,824.71 3,273.86 3,636.07 3,363.25 2,745.91 2,802.76 2,390.99 Total Expenditure 3,103.63 3,375.87 3,440.39 3,228.47 2,490.76 3,281.83 3,466.76 3,136.00 2,295.77 2,239.14 1,725.39 Employee Cost - 1,620.70 1,652.70 1,692.85 1,300.36 1,197.89 1,234.49 941.35 821.43 713.22 676.52 % Of Sales - 16.46% 17.56% 19.66% 17.98% 18.19% 16.90% 12.12% 11.95% 11.52% 11.57% Opt. & Establishment Exp. - 1,567.73 1,478.06 1,377.41 1,104.50 912.42 822.63 853.96 755.14 672.48 565.26 % Of Sales - 15.92% 15.70% 15.99% 15.27% 13.85% 11.26% 11.00% 10.98% 10.86% 9.67% Provisions - 417.32 513.19 338.91 260.86 1,339.56 1,574.94 1,496.09 858.48 980.90 614.37 % Of Sales - 4.24% 5.45% 3.93% 3.61% 20.34% 21.56% 19.27% 12.48% 15.84% 10.51% EBITDA 2,292.97 2,070.98 1,858.68 1,619.11 1,333.95 -7.97 169.31 227.25 450.14 563.62 665.60 EBITDA Margin 69.31% 60.25% 53.32% 48.59% 44.29% -0.36% 7.03% 9.81% 22.29% 28.68% 39.73% Depreciation 0.00 114.94 101.78 90.35 87.48 84.02 82.65 77.70 69.64 63.73 65.38 PBT 2,030.56 1,956.04 1,756.90 1,528.75 1,246.47 -91.99 86.66 149.55 380.50 499.89 600.22 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 519.74 500.90 454.01 458.67 471.38 -136.97 24.75 44.96 132.97 165.00 207.72 Tax Rate 25.60% 25.61% 25.84% 30.00% 37.82% 148.90% 28.56% 30.06% 34.95% 33.01% 34.61% PAT 1,510.82 1,455.14 1,302.89 1,070.08 775.09 44.98 61.91 104.59 247.53 334.89 392.50 PAT before Minority Interest 1,510.82 1,455.14 1,302.89 1,070.08 775.09 44.98 61.91 104.59 247.53 334.89 392.50 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 28.00% 26.72% 24.59% 22.07% 20.27% 1.37% 1.70% 3.11% 9.01% 11.95% 16.42% PAT Growth 13.54% 11.69% 21.76% 38.06% 1623.19% -27.35% -40.81% -57.75% -26.09% -14.68% EPS 5.77 5.56 4.98 4.09 2.96 0.17 0.24 0.40 0.95 1.28 1.50

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22
Net Interest Income 3,629.51 3,437.36 3,485.64 3,332.06 3,012.08 2,239.76 Interest Earned 10,111.87 9,846.50 9,413.31 8,612.81 7,233.18 6,586.54 Interest Expended 6,482.36 6,409.14 5,927.67 5,280.75 4,221.10 4,346.78 Int. income Growth 5.13% -1.39% 4.61% 10.62% 34.48% Other Income 1,766.68 2,008.78 1,812.98 1,514.52 811.37 1,033.90 Total Income 11,878.55 5,446.14 5,298.62 4,846.58 3,823.45 3,273.66 Total Expenditure 3,103.00 3,374.68 3,439.78 3,227.37 2,489.20 3,281.86 Employee Cost - 1,653.52 1,671.16 1,705.25 1,308.03 1,198.29 % Of Sales - 16.79% 17.75% 19.80% 18.08% 18.19% Opt. & Establishment Exp. - 1,533.71 1,458.98 1,363.87 1,095.29 912.05 % Of Sales - 15.58% 15.50% 15.84% 15.14% 13.85% Provisions - 417.33 513.20 338.95 260.86 1,339.56 % Of Sales - 4.24% 5.45% 3.94% 3.61% 20.34% EBITDA 2,293.19 2,071.46 1,858.84 1,619.21 1,334.25 -8.20 EBITDA Margin 69.31% 60.26% 53.33% 48.59% 44.30% -0.37% Depreciation 0.00 114.94 101.78 90.35 87.49 84.02 PBT 2,030.77 1,956.52 1,757.06 1,528.87 1,246.76 -92.22 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 Provision for Tax 519.64 500.88 453.97 458.67 471.45 -137.03 Tax Rate 25.59% 25.60% 25.84% 30.00% 37.81% 148.59% PAT 1,511.13 1,455.64 1,303.09 1,070.20 775.31 44.81 PAT before Minority Interest 1,511.13 1,455.64 1,303.09 1,070.20 775.31 44.81 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 28.00% 26.73% 24.59% 22.08% 20.28% 1.37% PAT Growth 13.50% 11.71% 21.76% 38.04% 1630.22% EPS 5.77 5.56 4.98 4.09 2.96 0.17

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 11,415.47 10,107.66 8,826.18 6,674.69 5,854.42 5,809.24 5,477.35 5,337.07 5,243.17 4,848.49 Share Capital 261.76 261.63 261.59 209.27 209.27 209.27 180.97 180.97 180.88 180.28 Total Reserves 11,141.74 9,838.29 8,561.95 6,465.31 5,643.86 5,597.89 5,293.83 5,154.36 5,060.34 4,665.19 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,23,346.32 1,07,525.60 1,01,920.26 91,651.35 89,142.11 82,710.55 83,033.89 80,420.12 72,029.59 66,117.49 Borrowings 3,927.01 4,300.48 3,912.09 6,993.85 3,294.49 4,108.27 6,893.23 4,903.20 4,043.38 1,957.76 Other Liabilities & Provisions 3,067.49 2,721.38 2,754.25 2,378.29 1,761.40 1,521.11 1,628.43 1,618.82 1,369.73 1,388.42 Total Liabilities 1,41,756.29 1,24,655.12 1,17,412.78 1,07,698.18 1,00,052.42 94,149.17 97,032.90 92,279.21 82,685.87 74,312.16 Net Block 1,042.84 1,018.29 966.48 753.92 752.01 754.66 775.81 676.79 642.22 618.13 Gross Block 1,941.36 1,815.83 1,736.22 1,467.88 1,416.96 1,352.28 1,318.65 1,151.93 1,051.21 968.40 Accumulated Depreciation 898.52 797.54 769.74 713.96 664.95 597.62 542.84 475.13 408.99 350.28 Total Non-Current Assets 1,37,771.09 1,20,737.63 1,13,026.33 1,02,404.65 93,452.89 87,940.60 90,054.55 87,306.54 77,827.80 70,362.96 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 0.00 0.00 0.00 124.00 59.05 40.50 24.24 31.87 38.56 37.97 Cash and balance with RBI 6,182.95 5,097.70 6,659.70 4,639.22 7,276.61 3,304.71 2,805.98 3,661.82 3,258.24 3,077.98 Balance with banks and money at call 3,957.79 7,162.39 3,362.48 2,441.27 3,926.82 5,463.17 1,383.78 1,160.94 962.81 809.74 Investments 27,327.71 21,777.18 23,977.02 24,641.80 21,445.01 20,321.08 20,625.27 19,081.38 18,363.08 19,429.67 Advances 99,259.80 85,682.07 78,060.65 69,804.44 59,993.39 58,056.48 64,439.47 62,693.74 54,562.89 46,389.47 Other Assets 3,985.21 3,917.48 4,386.47 5,293.53 6,599.54 6,208.57 6,978.35 4,972.68 4,858.08 3,949.19 Total Assets 1,41,756.30 1,24,655.11 1,17,412.80 1,07,698.18 1,00,052.43 94,149.17 97,032.90 92,279.22 82,685.88 74,312.15 Contingent Liabilities 14,272.56 17,414.44 31,467.84 25,891.24 33,764.70 10,875.13 10,752.76 9,669.37 11,507.65 7,214.25 Bills for collection 2,618.84 2,163.97 2,198.63 2,057.79 1,752.96 1,758.19 1,780.09 1,436.09 1,192.87 980.10 Adjusted Book Value 43.57 38.60 33.73 29.30 25.70 25.49 26.16 25.87 25.40 23.45

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22
Shareholder's Funds 11,416.34 10,108.03 8,826.34 6,674.74 5,854.25 Share Capital 261.76 261.63 261.59 209.27 209.27 Total Reserves 11,142.61 9,838.65 8,562.10 6,465.35 5,643.69 Minority Interest 0.00 0.00 0.00 0.00 0.00 Deposits 1,23,340.89 1,07,522.22 1,01,919.11 91,650.07 89,141.74 Borrowings 3,927.01 4,300.48 3,912.09 6,993.85 3,294.49 Other Liabilities & Provisions 3,072.22 2,724.34 2,754.94 2,378.51 1,761.38 Total Liabilities 1,41,756.46 1,24,655.07 1,17,412.48 1,07,697.17 1,00,051.86 Net Block 1,042.84 1,018.30 966.49 753.93 752.02 Gross Block 1,941.38 1,815.85 1,736.24 1,467.90 1,416.98 Accumulated Depreciation 898.53 797.55 769.76 713.97 664.96 Total Non-Current Assets 1,37,770.59 1,20,737.14 1,13,025.84 1,02,404.16 93,452.40 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 124.00 59.05 Cash and balance with RBI 6,182.95 5,097.70 6,659.70 4,639.22 7,276.61 Balance with banks and money at call 3,957.79 7,162.39 3,362.48 2,441.27 3,926.82 Investments 27,327.21 21,776.68 23,976.52 24,641.30 21,444.51 Advances 99,259.80 85,682.07 78,060.65 69,804.44 59,993.39 Other Assets 3,985.87 3,917.92 4,386.65 5,293.00 6,599.47 Total Assets 1,41,756.46 1,24,655.06 1,17,412.49 1,07,697.16 1,00,051.87 Contingent Liabilities 14,272.56 17,414.44 31,467.84 25,891.24 33,764.70 Bills for collection 2,618.84 2,163.97 2,198.63 2,057.79 1,752.96 Adjusted Book Value 43.57 38.61 33.73 29.30 25.69

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

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 3,906.64 -2,352.95 7,075.21 -7,260.82 5,165.32 5,808.41 656.00 1,677.92 792.86 1,956.58 PBT 1,956.04 1,756.89 1,528.75 1,108.21 -91.99 61.91 104.59 247.53 334.89 392.50 Adjustment 633.33 962.52 804.12 1,409.19 2,119.79 1,928.80 1,817.56 1,226.24 1,324.10 968.18 Adjustments for Liabilities & Assets 1,790.45 -4,730.68 5,292.52 -9,559.57 3,177.08 3,719.79 -1,137.65 341.29 -749.31 908.56 Refund/(Payment) of direct taxes -473.17 -341.69 -550.19 -218.64 -39.57 97.90 -128.50 -137.13 -116.82 -312.67 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 -5,464.95 4,434.03 -1,985.91 -386.06 -1,740.58 -1,092.20 -1,577.49 -1,174.53 -823.77 -1,841.53 Net Fixed Assets -125.53 -79.61 -144.34 -115.87 -83.23 -49.89 -159.09 -94.03 -83.40 -220.95 Other Investment Activity 2492.67 -3801.74 -2122.28 -3332.46 -2568.21 -2970.27 -2517.42 -2007.57 -2931.30 -2404.24 Cash from Financing Activity -561.04 156.85 -2,147.61 3,523.93 -989.19 -138.09 288.50 98.31 364.25 498.20 Closing Cash & Equivalent 10,140.75 12,260.10 10,022.18 7,080.49 11,203.43 8,767.88 4,189.76 4,822.75 4,221.05 3,887.72 Net Cash Inflow / Outflow -2,119.35 2,237.92 2,941.69 -4,122.94 2,435.55 4,578.12 -632.99 601.71 333.33 613.25 Opening Cash & Equivalents 12,260.10 10,022.18 7,080.49 11,203.43 8,767.88 4,189.76 4,822.75 4,221.05 3,887.72 3,274.47

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22
Cash From Operating Activity 3,906.64 -2,352.95 7,075.21 -7,260.82 5,165.34 PBT 1,956.52 1,757.07 1,528.90 1,108.50 -92.22 Adjustment 633.83 962.76 804.12 1,409.19 2,119.80 Adjustments for Liabilities & Assets 1,789.75 -4,730.95 5,292.40 -9,559.58 3,177.33 Refund/(Payment) of direct taxes -473.46 -341.83 -550.22 -218.93 -39.57 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -5,464.95 4,434.02 -1,985.91 -386.06 -1,740.60 Net Fixed Assets -125.53 -79.61 -144.34 -115.87 Other Investment Activity 2492.66 -3801.74 -2122.28 -3332.48 Cash from Financing Activity -561.04 156.85 -2,147.61 3,523.93 -989.19 Closing Cash & Equivalent 10,140.75 12,260.10 10,022.18 7,080.49 11,203.43 Net Cash Inflow / Outflow -2,119.35 2,237.92 2,941.69 -4,122.94 2,435.55 Opening Cash & Equivalents 12,260.10 10,022.18 7,080.49 11,203.43 8,767.88

Financial Ratios

Standalone /

Consolidated

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 43.57 38.60 33.73 29.30 27.97 27.75 28.48 28.16 27.65 25.52 NIM 2.51 2.91 2.97 2.97 2.42 2.76 2.60 2.33 2.55 2.40 Yield on Advances 9.92 10.99 11.03 10.36 10.98 12.58 12.05 10.97 11.35 12.60 Yield on Investments 7.97 8.33 7.80 3.74 5.16 8.72 8.64 7.37 7.89 7.65 Cost of Liabilities 5.04 5.30 4.99 4.28 4.70 5.64 6.06 5.69 5.56 6.13 Interest Spread 4.88 5.69 6.04 6.08 6.28 6.94 5.99 5.28 5.79 6.48 ROCE 14.79% 14.73% 14.36% 14.15% 2.02% 4.66% 4.81% 7.04% 8.81% 12.35% Cost Income Ratio 56.43 57.16 61.47 60.59 61.89 54.30 51.07 54.88 47.17 49.20 Core Cost Income Ratio 60.76 59.66 65.78 55.32 63.17 62.23 57.77 57.38 50.40 55.01 Operating Costs to Assets 2.17 2.43 2.54 2.15 2.03 2.10 1.77 1.63 1.60 1.58 Loans/Deposits 0.03 0.04 0.04 0.08 0.04 0.05 0.08 0.06 0.06 0.03 Cash/Deposits 0.05 0.05 0.07 0.05 0.08 0.04 0.03 0.05 0.05 0.05 Investment/Deposits 0.22 0.20 0.24 0.27 0.24 0.25 0.25 0.24 0.25 0.29 Inc Loan/Deposits 3.18% 4.00% 3.84% 7.63% 3.70% 4.97% 8.30% 6.10% 5.61% 2.96% Credit Deposits 80.47% 79.69% 76.59% 76.16% 67.30% 70.19% 77.61% 77.96% 75.75% 70.16% Interest Expended / Interest earned 65.09% 62.97% 61.31% 58.36% 65.99% 67.05% 70.15% 70.63% 68.26% 71.35% Interest income / Total funds 6.95% 7.55% 7.34% 6.72% 6.58% 7.76% 8.00% 7.45% 7.49% 7.87% Interest Expended / Total funds 4.52% 4.76% 4.50% 3.92% 4.34% 5.20% 5.61% 5.26% 5.11% 5.61% CASA 32.12% 31.37% 32.08% 32.98% 33.21% 29.73% 25.00% 24.21% 23.80% 23.82%

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22
Book Value 43.57 38.61 33.73 29.30 27.97 NIM 2.51 2.91 2.97 2.97 2.42 Yield on Advances 9.92 10.99 11.03 10.36 10.98 Yield on Investments 7.97 8.33 7.80 3.74 5.16 Cost of Liabilities 5.04 5.30 4.99 4.28 4.70 Interest Spread 4.88 5.69 6.04 6.08 6.28 ROCE 14.79% 14.73% 14.36% 14.15% 2.10% Cost Income Ratio 56.41 57.15 61.46 60.57 61.90 Core Cost Income Ratio 60.75 59.65 65.77 55.30 63.17 Operating Costs to Assets 2.17 2.43 2.54 2.15 2.03 Loans/Deposits 0.03 0.04 0.04 0.08 0.04 Cash/Deposits 0.05 0.05 0.07 0.05 0.08 Investment/Deposits 0.22 0.20 0.24 0.27 0.24 Inc Loan/Deposits 3.18% 4.00% 3.84% 7.63% 3.70% Credit Deposits 80.48% 79.69% 76.59% 76.16% 67.30% Interest Expended / Interest earned 65.09% 62.97% 61.31% 58.36% 65.99% Interest income / Total funds 6.95% 7.55% 7.34% 6.72% 6.58% Interest Expended / Total funds 4.52% 4.76% 4.50% 3.92% 4.34% CASA 32.12% 31.37% 32.08% 32.98% 33.21%