Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	962.48	931.08	926.83
Total Income	962.69	931.13	927.64
Interest	615.50	602.73	583.93
Employee Expenses	28.85	23.30	26.61
Selling & Administrative Expenses	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00
Other Expenses	27.73	22.90	41.20
TOTAL OPERATING EXPENDITURE	672.08	648.93	651.74
Operating Profit Before Prov. & Cont.	290.61	282.20	275.90
Provisions & Write Offs	13.74	24.47	1.78
Depreciation	2.79	2.63	4.16
TOTAL EXPENDITURE	688.61	676.03	657.68
Tax	61.33	61.68	66.00
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	1.28	-6.22	-5.07
Reported Profit After Tax	211.49	199.64	209.03
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	211.49	199.64	209.03
EPS (Unit Curr.)	15.88	14.99	15.70
EPS (Adj) (Unit Curr.)	15.88	14.99	15.70
Calculated EPS (Unit Curr.)	15.88	14.99	15.70
Calculated EPS (Adj) (Unit Curr.)	15.88	14.99	15.70
Calculated EPS (Ann.) (Unit Curr.)	63.53	59.97	62.79
Calculated EPS (Adj) (Ann.) (Unit Curr.)	63.53	59.97	62.79
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	26.63	26.63	26.63
Reserve & Surplus	0.00	0.00	0.00
Face Value	2.00	2.00	2.00
Public Shareholding (No. Of Shares)	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00
Pledged/Encumbered - No. of Shares	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00
Non Encumbered - No. of Shares	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00
PBIDTM(%)	92.72	92.42	92.58
PBDTM(%)	28.77	27.68	29.58
PATM(%)	21.97	21.44	22.55
Net Interest Income	340.00	320.00	328.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	0.00	0.00	0.00
Return on Equity(%)	17.99	17.57	19.25
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	17.10	14.87	20.70
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	2.56	2.54	2.28
Net Interest Margin(%)	3.75	3.57	3.96
Provision Coverage Ratio(%)	46.41	46.58	48.67
Capital Adequacy Ratio	24.56	25.23	24.61
Tier I Capital	0.00	0.00	0.00
Tier II Capital	0.00	0.00	0.00
Gross Non Performing Assets	320.00	325.00	0.00
Net Non Performing Assets	172.00	174.00	0.00
(%) Gross Non Performing Assets	0.88	0.91	0.82
(%) Net Non Performing Assets	0.47	0.49	0.42
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	2.29	2.17	2.54
Loans Disbursed(Amt Rs cr)	2381.00	1853.00	2314.00
Loans Sanctioned/Approved(Amt Rs cr)	2617.00	1969.00	2586.00
Loan Book(Amt Rs cr)	36591.00	35557.00	34999.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	15.88	14.99	15.70