Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	4618.69	4421.04	4358.64
Total Income	4766.56	4555.82	4482.59
Interest	828.64	787.68	766.83
Employee Expenses	152.28	148.77	134.13
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	1906.11	1811.77	1632.46
TOTAL OPERATING EXPENDITURE	2887.03	2748.22	2533.42
Operating Profit Before Prov. & Cont.	1879.53	1807.60	1949.17
Provisions & Write Offs	1313.14	1212.04	1100.63
Depreciation	48.76	50.35	49.37
TOTAL EXPENDITURE	4248.93	4010.61	3683.42
Tax	160.47	200.57	227.10
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-26.07	-59.78	-22.38
Reported Profit After Tax	383.23	404.42	594.45
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	383.23	404.42	594.45
EPS (Unit Curr.)	4.03	4.25	6.25
EPS (Adj) (Unit Curr.)	4.03	4.25	6.25
Calculated EPS (Unit Curr.)	4.03	4.25	6.25
Calculated EPS (Adj) (Unit Curr.)	4.03	4.25	6.25
Calculated EPS (Ann.) (Unit Curr.)	16.11	17.01	25.00
Calculated EPS (Adj) (Ann.) (Unit Curr.)	16.11	17.01	25.00
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	951.35	951.27	951.05
Reserve & Surplus	0.00	12138.36	11729.71
Face Value	10.00	10.00	10.00
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(%)	30.20	31.29	37.06
PBDTM(%)	12.26	13.47	19.47
PATM(%)	8.30	9.15	13.64
Net Interest Income	0.00	0.00	0.00
Operating Expenses	0.00	0.00	1816.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	0.00	0.00	0.00
Return on Equity(%)	11.50	12.50	19.10
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	53.50	53.40	48.90
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	10.60	10.60	10.90
Provision Coverage Ratio(%)	64.35	64.35	64.40
Capital Adequacy Ratio	22.90	22.13	20.60
Tier I Capital	17.00	16.30	16.80
Tier II Capital	5.90	5.83	3.80
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	3.24	3.27	3.06
(%) Net Non Performing Assets	1.18	1.19	1.11
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	2.40	2.70	4.10
Loans Disbursed(Amt Rs cr)	0.00	0.00	0.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	4.03	4.25	6.25