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Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

14,210.79
9.66
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

20,555.97
N/A
0.91

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

10.89
13.86
10.02

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-7.43
-
-5.22

PAT CAGR (%)

10 Years
5 Years
3 Years

10.07
25.77
19.07

P:E (Median)

8 Years
5 Years
3 Years

13.08
17.56
14.27

P:BV (Average)

8 Years
5 Years
3 Years

1.39
1.41
1.22

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.66
8.32
7.65

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 20 Dec 19 Var% Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var%
Interest Earned 3,459.52 3,330.36 3.88% 3,487.90 3,254.25 7.18% 3,444.15 3,229.30 6.65% 3,396.84 3,032.32 12.02%
Interest Exp. 2,022.48 2,175.43 -7.03% 2,108.05 2,130.47 -1.05% 2,147.71 2,075.13 3.50% 2,180.83 1,935.79 12.66%
Net Interest Income 1,437.04 1,154.93 24.43% 1,379.85 1,123.78 22.79% 1,296.44 1,154.17 12.33% 1,216.01 1,096.53 10.90%
NIM 0.00 0.00 0.00 3.13 3.01 3.99% 3.07 3.15 -2.54% 3.04 3.17 -4.10%
Other Income 481.84 407.86 18.14% 509.33 420.92 21.00% 488.37 391.52 24.74% 711.11 411.72 72.72%
Total Income 3,941.36 3,738.22 5.43% 3,997.23 3,675.17 8.76% 3,932.52 3,620.82 8.61% 4,107.95 3,444.04 19.28%
Operating Exp. 955.98 818.97 16.73% 882.65 825.90 6.87% 852.43 762.93 11.73% 967.80 753.50 28.44%
Operating Profit 962.90 743.82 29.45% 1,006.53 718.80 40.03% 932.38 782.76 19.11% 959.32 754.75 27.10%
Provision 420.62 160.86 161.48% 592.06 251.77 135.16% 394.62 192.04 105.49% 567.50 177.76 219.25%
PBT 542.28 582.96 -6.98% 414.47 467.03 -11.25% 537.76 590.72 -8.97% 391.82 576.99 -32.09%
PBTM 15.68 17.50 -10.40% 11.88 14.35 -17.21% 15.61 18.29 -14.65% 11.53 19.03 -39.41%
TAX 138.18 142.32 -2.91% 106.85 50.33 112.30% 136.99 206.51 -33.66% 90.59 195.48 -53.66%
PAT 404.10 440.64 -8.29% 307.62 416.70 -26.18% 400.77 384.21 4.31% 301.23 381.51 -21.04%
PATM 11.68% 13.23% 8.82% 12.80% 11.64% 11.90% 8.87% 12.58%
EPS 2.02 2.21 -8.60% 1.54 2.10 -26.67% 2.01 1.93 4.15% 1.51 1.92 -21.35%
Gross NPA 3,470.18 3,618.69 -4.10% 3,552.19 3,612.11 -1.66% 3,655.59 3,394.69 7.69% 3,530.83 3,260.68 8.29%
Gross NPA% 2.71 2.99 -9.36% 2.84 3.07 -7.49% 2.96 2.99 -1.00% 2.84 2.92 -2.74%
Net NPA 757.24 1,941.01 -60.99% 1,218.14 1,843.64 -33.93% 1,477.46 1,672.82 -11.68% 1,607.17 1,626.20 -1.17%
Net NPA% 0.60 1.63 -63.19% 0.99 1.59 -37.74% 1.22 1.49 -18.12% 1.31 1.48 -11.49%
CASA 0.00 0.00 0.00 33.68 31.55 6.75% 32.02 31.44 1.84% 30.50 32.15 -5.13%

Description Dec 20 Dec 19 Var% Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var%
Interest Earned 3,604.23 3,413.95 5.57% 3,621.88 3,336.75 8.55% 3,572.11 3,295.21 8.40% 3,544.48 3,106.65 14.09%
Interest Exp. 2,075.79 2,205.64 -5.89% 2,159.41 2,154.22 0.24% 2,196.55 2,097.07 4.74% 2,221.37 1,953.70 13.70%
Net Interest Income 1,528.44 1,208.31 26.49% 1,462.47 1,182.53 23.67% 1,375.56 1,198.14 14.81% 1,323.11 1,152.95 14.76%
NIM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Income 484.54 420.76 15.16% 509.44 411.69 23.74% 483.31 370.97 30.28% 678.39 395.12 71.69%
Total Income 4,088.77 3,834.71 6.63% 4,131.32 3,748.44 10.21% 4,055.42 3,666.18 10.62% 4,222.87 3,501.77 20.59%
Operating Exp. 1,010.78 868.72 16.35% 927.10 863.05 7.42% 895.95 790.77 13.30% 0.00 0.00 0.00
Operating Profit 1,002.20 760.35 31.81% 1,044.81 731.17 42.90% 962.92 778.34 23.71% 977.34 771.16 26.74%
Provision 439.34 162.54 170.30% 625.43 253.43 146.79% 409.35 193.32 111.75% 577.94 180.31 220.53%
PBT 562.86 597.81 -5.85% 419.38 477.74 -12.22% 553.57 585.02 -5.38% 399.40 590.85 -32.40%
PBTM 15.62 17.51 -10.79% 11.58 14.32 -19.13% 15.50 17.75 -12.68% 10.75 10.75 0.00%
TAX 143.19 146.09 -1.99% 103.68 53.34 94.38% 141.99 211.31 -32.80% 96.45 199.78 -51.72%
PAT 419.67 451.72 -7.10% 315.70 424.40 -25.61% 411.58 373.71 10.13% 302.95 391.07 -22.53%
PATM 11.64% 13.23% 8.72% 12.72% 11.52% 11.34% 7.11% 7.11%
EPS 2.13 2.30 -7.39% 1.61 2.16 -25.46% 2.09 1.90 10.00% 1.54 1.99 -22.61%
Gross NPA 3,505.21 3,656.57 -4.14% 3,591.72 3,653.17 -1.68% 3,712.07 3,433.75 8.11% 0.00 0.00 0.00
Gross NPA% 2.67 2.97 -10.10% 2.80 3.06 -8.50% 2.95 2.98 -1.01% 0.00 0.00 0.00
Net NPA 784.49 1,973.79 -60.25% 1,249.85 1,879.41 -33.50% 1,525.66 1,707.26 -10.64% 0.00 0.00 0.00
Net NPA% 0.61 1.63 -62.58% 0.99 1.60 -38.12% 1.23 1.50 -18.00% 0.00 0.00 0.00
CASA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 5,329.34 4,648.90 4,176.34 3,582.81 3,052.64 2,504.24 2,380.41 2,228.61 1,974.66 1,953.40 1,746.58 Interest Earned 13,788.41 13,210.75 11,419.02 9,752.86 8,677.38 7,744.69 7,419.47 6,946.08 6,167.57 5,558.39 4,052.03 Interest Expended 8,459.07 8,561.85 7,242.68 6,170.05 5,624.74 5,240.45 5,039.06 4,717.47 4,192.91 3,604.99 2,305.45 Int. income Growth 17.66% 11.32% 16.57% 17.37% 21.90% 5.20% 6.81% 12.86% 1.09% 11.84% Other Income 2,190.65 1,931.41 1,351.02 1,159.12 1,081.81 786.38 878.31 693.85 664.44 532.34 516.81 Total Income 15,979.06 6,580.31 5,527.36 4,741.93 4,134.45 3,290.62 3,258.72 2,922.46 2,639.10 2,485.74 2,263.39 Total Expenditure 5,681.34 4,428.32 3,499.74 3,256.37 2,705.78 2,465.52 1,663.08 1,616.73 1,366.64 1,259.58 1,307.32 Employee Cost - 1,772.36 1,377.76 1,242.47 1,163.75 1,052.85 891.96 771.54 631.46 543.85 480.41 % Of Sales - 13.42% 12.07% 12.74% 13.41% 13.59% 12.02% 11.11% 10.24% 9.78% 11.86% Opt. & Establishment Exp. - 1,722.71 1,506.89 1,331.61 1,167.96 919.44 813.56 764.26 631.78 492.08 409.99 % Of Sales - 13.04% 13.20% 13.65% 13.46% 11.87% 10.97% 11.00% 10.24% 8.85% 10.12% Provisions - 1,172.17 855.85 928.63 618.41 704.13 106.74 268.41 260.80 336.97 525.44 % Of Sales - 8.87% 7.49% 9.52% 7.13% 9.09% 1.44% 3.86% 4.23% 6.06% 12.97% EBITDA 1,838.65 2,151.99 2,027.62 1,485.56 1,428.67 825.10 1,595.64 1,305.73 1,272.46 1,226.16 956.07 EBITDA Margin 58.80% 46.29% 48.55% 41.46% 46.80% 32.95% 67.03% 58.59% 64.44% 62.77% 54.74% Depreciation 0.00 119.46 120.38 123.17 122.17 105.45 74.59 93.74 78.70 56.66 54.26 PBT 1,886.33 2,032.53 1,907.25 1,362.40 1,306.50 719.65 1,521.04 1,211.99 1,193.76 1,169.51 901.81 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 472.61 489.75 663.36 483.55 475.71 244.00 515.29 373.10 355.59 392.71 314.73 Tax Rate 25.05% 24.10% 34.78% 35.49% 36.41% 33.91% 33.88% 30.78% 29.79% 33.58% 34.90% PAT 1,413.72 1,542.78 1,243.89 878.85 830.79 475.65 1,005.75 838.89 838.17 776.80 587.08 PAT before Minority Interest 1,413.72 1,542.78 1,243.89 878.85 830.79 475.65 1,005.75 838.89 838.17 776.80 587.08 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 18.80% 23.45% 22.50% 18.53% 20.09% 14.45% 30.86% 28.70% 31.76% 31.25% 25.94% PAT Growth -12.90% 24.03% 41.54% 5.78% 74.66% -52.71% 19.89% 0.09% 7.90% 32.32% Unadjusted EPS 7.19 7.84 6.33 4.47 4.22 2.42 5.11 4.27 4.26 3.95 2.99

Description TTM Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Interest Income 5,689.58 4,912.08 4,319.11 3,688.48 3,130.69 2,566.93 2,431.44 2,277.94 2,037.38 1,975.05 1,747.54 Interest Earned 14,342.70 13,590.39 11,635.44 9,914.90 8,783.27 7,826.28 7,487.77 7,005.70 6,246.32 5,581.72 4,052.03 Interest Expended 8,653.12 8,678.31 7,316.33 6,226.42 5,652.58 5,259.35 5,056.33 4,727.76 4,208.94 3,606.67 2,304.49 Int. income Growth 19.98% 13.73% 17.10% 17.82% 21.96% 5.57% 6.74% 11.81% 3.16% 13.02% Other Income 2,155.68 1,881.81 1,335.22 1,160.21 1,083.77 808.36 878.54 685.18 664.64 532.20 518.33 Total Income 16,498.38 6,793.89 5,654.33 4,848.69 4,214.46 3,375.29 3,309.98 2,963.12 2,702.02 2,507.25 2,265.87 Total Expenditure 5,933.78 4,608.19 3,571.92 3,330.77 2,748.58 2,528.60 1,700.92 1,663.51 1,409.67 1,284.21 1,307.50 Employee Cost - 1,875.98 1,425.66 1,276.82 1,189.34 1,074.21 913.05 795.43 652.71 559.45 485.69 % Of Sales - 13.80% 12.25% 12.88% 13.54% 13.73% 12.19% 11.35% 10.45% 10.02% 11.99% Opt. & Establishment Exp. - 1,796.45 1,533.17 1,352.65 1,187.07 965.56 841.65 795.93 658.34 507.35 405.33 % Of Sales - 13.22% 13.18% 13.64% 13.52% 12.34% 11.24% 11.36% 10.54% 9.09% 10.00% Provisions - 1,187.22 857.61 950.76 619.99 705.17 105.20 267.87 263.54 334.89 525.44 % Of Sales - 8.74% 7.37% 9.59% 7.06% 9.01% 1.40% 3.82% 4.22% 6.00% 12.97% EBITDA 1,911.48 2,185.70 2,082.41 1,517.92 1,465.88 846.69 1,609.06 1,299.61 1,292.35 1,223.04 958.37 EBITDA Margin 58.63% 44.50% 48.21% 41.15% 46.82% 32.98% 66.18% 57.05% 63.43% 61.92% 54.84% Depreciation 0.00 125.73 122.26 124.73 123.91 108.17 79.49 97.86 82.46 58.74 54.48 PBT 1,935.21 2,059.97 1,960.14 1,393.19 1,341.98 738.51 1,529.57 1,201.75 1,209.89 1,164.30 903.89 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 485.31 507.20 677.62 483.55 488.66 250.61 517.48 372.83 359.68 392.79 315.42 Tax Rate 25.08% 24.62% 34.57% 34.71% 36.41% 33.93% 33.83% 31.02% 29.73% 33.74% 34.90% PAT 1,440.33 1,535.51 1,268.39 909.64 853.32 487.90 1,012.09 828.92 850.21 771.50 588.47 PAT before Minority Interest 1,449.90 1,552.77 1,282.52 909.64 853.32 487.90 1,012.09 828.92 850.21 771.50 588.47 Minority Interest -9.57 -17.26 -14.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.36% 22.60% 22.43% 18.76% 20.25% 14.46% 30.58% 27.97% 31.47% 30.77% 25.97% PAT Growth -11.64% 21.06% 39.44% 6.60% 74.90% -51.79% 22.10% -2.50% 10.20% 31.10% Unadjusted EPS 7.37 7.81 6.45 4.63 4.34 2.48 5.15 4.21 4.32 3.92 2.99

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 14,517.61 13,273.04 12,210.24 8,942.38 8,091.22 7,738.14 6,950.59 6,364.66 5,706.33 5,108.66 Share Capital 398.53 397.01 394.43 344.81 343.79 171.33 171.06 171.06 171.05 171.05 Total Reserves 14,119.08 12,876.03 11,815.81 8,597.57 7,747.43 7,566.80 6,779.53 6,193.60 5,535.28 4,937.61 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 152,290.08 134,954.34 111,992.49 97,664.56 79,171.71 70,824.99 59,731.28 57,614.86 48,937.12 43,014.78 Borrowings 10,372.43 7,781.32 11,533.50 5,897.32 5,114.57 2,308.24 5,687.96 5,186.99 4,241.03 1,888.36 Other Liabilities & Provisions 3,457.93 3,331.28 2,577.73 2,472.66 2,203.88 1,979.11 2,224.32 1,866.43 1,742.29 1,444.56 Total Liabilities 180,638.05 159,339.98 138,313.96 114,976.92 94,581.38 82,850.48 74,594.15 71,032.94 60,626.77 51,456.36 Net Block 455.40 454.95 448.08 474.54 504.22 440.05 402.33 397.47 326.14 289.82 Gross Block 1,416.44 1,398.07 1,317.15 1,265.99 1,188.96 1,027.08 917.38 831.93 691.31 606.23 Accumulated Depreciation 961.04 943.12 869.07 791.45 684.74 587.03 515.04 434.46 365.17 316.41 Total Non-Current Assets 171,215.15 152,586.26 132,399.32 109,474.00 89,185.42 77,100.43 72,508.28 69,371.15 59,017.17 50,529.02 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 24.58 17.09 9.29 14.92 15.76 26.58 22.62 2.40 0.00 0.00 Cash and balance with RBI 6,174.91 6,419.17 5,132.76 4,576.57 3,774.54 3,379.54 3,104.29 2,742.50 2,424.15 2,935.05 Balance with banks and money at call 6,399.67 3,647.63 4,070.65 2,875.61 1,645.27 1,400.45 1,425.09 977.49 1,108.40 813.25 Investments 35,892.68 31,824.47 30,781.07 28,196.09 25,155.49 20,568.82 24,117.85 21,154.59 17,402.49 14,537.67 Advances 122,267.91 110,222.95 91,957.47 73,336.27 58,090.14 51,284.99 43,436.10 44,096.70 37,755.99 31,953.23 Other Assets 9,422.89 6,753.73 5,914.63 5,502.93 5,395.95 5,750.04 2,085.86 1,661.79 1,609.61 927.34 Total Assets 180,638.04 159,339.99 138,313.95 114,976.93 94,581.37 82,850.47 74,594.14 71,032.94 60,626.78 51,456.36 Contingent Liabilities 34,460.07 29,344.68 26,815.17 23,235.14 20,253.57 17,214.82 23,481.99 30,245.92 35,849.40 22,112.75 Bills for collection 3,767.65 3,542.81 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 1,226.62 1,189.31 912.52 Adjusted Book Value 72.83 66.84 61.89 51.84 47.04 45.14 40.08 36.59 32.66 29.30

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 14,822.36 13,498.25 12,274.23 8,951.37 8,064.13 7,700.27 6,860.71 6,263.92 5,592.29 5,017.70 Share Capital 398.53 397.01 394.43 344.81 343.79 171.33 171.06 171.06 171.05 171.05 Total Reserves 14,423.83 13,101.24 11,879.81 8,606.56 7,720.34 7,528.94 6,689.65 6,092.86 5,421.25 4,846.65 Minority Interest 180.96 80.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 152,251.91 134,878.93 111,970.10 97,662.08 79,170.90 70,822.69 59,729.04 57,611.17 48,934.73 42,988.45 Borrowings 12,527.72 8,706.29 12,328.84 6,345.49 5,236.32 2,392.98 5,767.54 5,239.05 4,266.04 1,888.36 Other Liabilities & Provisions 3,570.38 3,388.53 2,640.50 2,526.80 2,234.39 1,992.35 2,287.55 1,878.82 1,751.17 1,448.33 Total Liabilities 183,353.33 160,552.46 139,213.67 115,485.74 94,705.74 82,908.29 74,644.84 70,992.96 60,544.23 51,342.84 Net Block 477.20 461.58 451.73 477.40 507.88 446.10 413.84 412.08 337.03 292.92 Gross Block 1,463.43 1,424.16 1,338.55 1,285.37 1,207.78 1,046.03 939.42 852.47 704.93 609.97 Accumulated Depreciation 986.23 962.58 886.82 807.97 699.90 599.93 525.58 440.39 367.89 317.05 Total Non-Current Assets 173,827.01 153,745.02 133,262.14 109,945.47 89,287.02 77,135.75 72,513.04 69,322.92 58,923.28 50,408.23 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 27.61 18.35 9.62 14.94 15.76 26.58 22.62 2.40 0.00 0.00 Cash and balance with RBI 6,182.54 6,422.67 5,136.79 4,578.27 3,776.96 3,381.98 3,108.37 2,748.86 2,429.68 2,936.35 Balance with banks and money at call 6,574.77 3,630.80 4,058.43 2,876.37 1,646.18 1,402.46 1,425.81 977.67 1,108.70 813.25 Investments 35,715.39 31,675.70 30,594.68 27,912.26 24,920.47 20,349.44 23,838.59 20,854.49 17,102.02 14,407.90 Advances 124,849.50 111,535.92 93,010.89 74,086.23 58,419.77 51,529.19 43,703.81 44,327.42 37,945.85 31,957.81 Other Assets 9,526.31 6,807.45 5,951.55 5,540.26 5,418.71 5,772.54 2,131.80 1,670.03 1,620.96 934.61 Total Assets 183,353.32 160,552.47 139,213.69 115,485.73 94,705.73 82,908.29 74,644.84 70,992.95 60,544.24 51,342.84 Contingent Liabilities 34,463.82 29,348.07 26,815.71 23,235.69 20,254.12 17,215.15 23,481.99 30,245.92 35,849.40 22,112.75 Bills for collection 3,767.65 3,542.81 3,123.36 2,568.35 1,516.83 1,221.66 1,209.54 1,226.62 1,189.31 912.52 Adjusted Book Value 74.36 67.97 62.21 51.89 46.88 44.91 40.08 36.59 32.66 29.30

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 4,884.08 8,170.89 -4,697.34 3,756.99 -1,519.26 5,163.68 1,224.76 2,899.17 -800.95 1,268.50 PBT 2,032.53 1,907.25 1,343.86 1,306.50 719.65 1,521.04 1,211.99 1,193.76 1,169.51 1,427.25 Adjustment 1,360.28 1,010.93 1,128.97 788.14 845.26 213.20 390.55 366.41 393.30 53.93 Adjustments for Liabilities & Assets 2,167.61 5,952.15 -6,487.14 2,063.86 -3,046.46 4,033.30 263.11 1,831.07 -1,754.72 224.11 Refund/(Payment) of direct taxes -676.35 -699.44 -683.03 -401.51 -37.70 -603.87 -640.89 -492.06 -609.05 -436.79 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 -4,669.18 -3,374.24 -1,576.61 -2,382.90 1,990.89 -1,364.17 -736.36 -3,479.27 -1,598.49 -144.21 Net Fixed Assets -25.86 -88.72 -45.53 -76.19 -151.06 -113.66 -105.67 -143.02 -85.08 -46.97 Other Investment Activity -4815.26 -2991.77 -3709.34 709.98 -2568.89 -1790.02 -4419.27 -2432.82 -835.52 -664.96 Cash from Financing Activity 2,288.52 -3,935.51 8,025.03 658.71 168.17 -3,548.89 320.99 767.53 2,183.70 -99.38 Closing Cash & Equivalent 12,574.58 10,066.80 9,203.41 7,452.17 5,419.81 4,780.00 4,529.38 3,719.99 3,532.55 3,748.30 Net Cash Inflow / Outflow 2,503.41 861.14 1,751.08 2,032.80 639.80 250.62 809.39 187.44 -215.75 1,024.91 Opening Cash & Equivalents 10,066.80 9,203.41 7,452.17 5,419.81 4,780.00 4,529.38 3,719.99 3,532.55 3,748.30 2,723.39

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 3,730.57 7,872.64 -5,050.93 3,430.66 -1,556.94 5,158.27 1,196.61 2,880.31 -966.56 1,272.45 PBT 2,087.39 1,993.87 1,418.99 1,355.53 737.03 1,575.29 1,222.58 1,213.00 1,146.52 1,429.34 Adjustment 1,344.08 979.04 1,108.33 777.92 850.62 171.43 373.41 367.71 411.08 54.16 Adjustments for Liabilities & Assets 1,000.16 5,616.81 -6,875.86 1,711.01 -3,101.38 4,017.86 242.29 1,799.71 -1,915.12 224.94 Refund/(Payment) of direct taxes -701.07 -717.08 -702.40 -413.79 -43.21 -606.32 -641.66 -500.11 -609.05 -435.98 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 -4,692.57 -3,380.02 -1,579.27 -2,383.86 1,990.44 -1,364.28 -737.47 -3,486.73 -1,453.37 -146.94 Net Fixed Assets -25.86 -88.72 -45.53 -76.19 -151.06 -113.66 -105.67 -143.02 -85.08 -46.97 Other Investment Activity -4821.04 -2994.43 -3710.30 709.53 -2569.00 -1791.13 -4426.73 -2287.70 -838.25 -664.97 Cash from Financing Activity 3,661.47 -3,636.61 8,370.62 985.13 205.18 -3,543.73 348.51 794.58 2,208.70 -99.38 Closing Cash & Equivalent 12,757.31 10,053.47 9,195.21 7,454.64 5,423.14 4,784.44 4,534.18 3,726.53 3,538.38 3,749.60 Net Cash Inflow / Outflow 2,699.47 856.00 1,740.42 2,031.93 638.69 250.27 807.64 188.16 -211.23 1,026.13 Opening Cash & Equivalents 10,053.47 9,195.21 7,454.64 5,423.14 4,784.44 4,534.18 3,726.53 3,538.38 3,749.60 2,723.47

Financial Ratios

Consolidated /

Standalone

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 72.83 66.84 61.89 51.84 47.04 45.14 40.60 37.18 33.33 29.83 NIM 2.72 2.75 2.72 2.80 2.82 3.11 3.09 2.86 3.33 3.48 Yield on Advances 10.80 10.36 10.61 11.83 13.33 14.47 15.99 13.99 14.72 12.68 Yield on Investments 7.78 7.12 7.01 7.48 7.50 9.26 8.02 7.90 8.03 6.29 Cost of Liabilities 5.26 5.07 4.99 5.43 6.22 6.89 7.21 6.68 6.78 5.13 Interest Spread 5.54 5.29 5.61 6.40 7.11 7.58 8.78 7.31 7.94 7.55 ROCE 10.86% 10.75% 9.39% 10.89% 7.73% 17.04% 14.22% 14.41% 17.03% 15.80% Cost Income Ratio 51.30 50.01 51.69 53.44 56.73 50.05 49.34 44.88 39.40 36.94 Core Cost Income Ratio 56.52 52.17 54.43 57.75 59.02 54.31 52.13 48.68 40.74 37.70 Operating Costs to Assets 1.87 1.73 1.77 1.92 1.97 1.97 1.93 1.67 1.62 1.62 Loans/Deposits 0.07 0.06 0.10 0.06 0.06 0.03 0.10 0.09 0.09 0.04 Cash/Deposits 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 Investment/Deposits 0.24 0.24 0.27 0.29 0.32 0.29 0.40 0.37 0.36 0.34 Inc Loan/Deposits 6.81% 5.77% 10.30% 6.04% 6.46% 3.26% 9.52% 9.00% 8.67% 4.39% Credit Deposits 80.29% 81.67% 82.11% 75.09% 73.37% 72.41% 72.72% 76.54% 77.15% 74.28% Interest Expended / Interest earned 64.81% 63.43% 63.26% 64.82% 67.67% 67.92% 67.92% 67.98% 64.86% 56.90% Interest income / Total funds 7.31% 7.17% 7.05% 7.55% 8.19% 8.96% 9.31% 8.68% 9.17% 7.87% Interest Expended / Total funds 4.74% 4.55% 4.46% 4.89% 5.54% 6.08% 6.32% 5.90% 5.95% 4.48% CASA 30.71% 32.40% 33.65% 32.82% 32.91% 30.76% 31.25% 27.17% 27.54% 26.86%

Description Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 74.36 67.97 62.21 51.89 46.88 44.91 40.08 36.59 32.66 29.30 NIM 2.83 2.82 2.78 2.86 2.89 3.17 3.16 2.96 3.37 3.49 Yield on Advances 10.89 10.43 10.66 11.86 13.40 14.53 16.03 14.09 14.71 12.68 Yield on Investments 7.82 7.16 7.05 7.54 7.58 10.30 8.11 8.01 8.17 6.34 Cost of Liabilities 5.27 5.10 5.01 5.43 6.23 6.91 7.22 6.70 6.78 5.14 Interest Spread 5.62 5.34 5.65 6.42 7.17 7.63 8.81 7.39 7.93 7.54 ROCE 10.65% 10.83% 9.51% 11.13% 8.01% 17.24% 14.26% 14.81% 17.18% 16.01% Cost Income Ratio 52.20 50.17 51.66 53.45 57.23 50.61 50.40 45.47 40.21 36.92 Core Cost Income Ratio 57.33 52.28 54.34 57.67 59.47 54.85 53.21 49.22 41.57 37.68 Operating Costs to Assets 1.93 1.77 1.80 1.95 2.04 2.02 2.00 1.73 1.67 1.63 Loans/Deposits 0.08 0.06 0.11 0.06 0.07 0.03 0.10 0.09 0.09 0.04 Cash/Deposits 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 Investment/Deposits 0.23 0.23 0.27 0.29 0.31 0.29 0.40 0.36 0.35 0.34 Inc Loan/Deposits 8.23% 6.45% 11.01% 6.50% 6.61% 3.38% 9.66% 9.09% 8.72% 4.39% Credit Deposits 82.00% 82.69% 83.07% 75.86% 73.79% 72.76% 73.17% 76.94% 77.54% 74.34% Interest Expended / Interest earned 63.86% 62.88% 62.80% 64.36% 67.20% 67.53% 67.48% 67.38% 64.62% 56.87% Interest income / Total funds 7.41% 7.25% 7.12% 7.61% 8.26% 9.03% 9.39% 8.80% 9.22% 7.89% Interest Expended / Total funds 4.73% 4.56% 4.47% 4.89% 5.55% 6.10% 6.33% 5.93% 5.96% 4.49% CASA 30.70% 32.37% 33.64% 32.82% 32.91% 30.76% 31.25% 27.17% 27.54% 26.87%

The Federal Bank Ltd.

Bank - Private

BSE: 500469 | NSE: FEDERALBNK

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update

The Federal Bank Ltd.

Bank - Private

BSE: 500469 | NSE: FEDERALBNK

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Annual Reports:

News Update