Equity Analysis

Particulars	Sep 2022	Jun 2022	Mar 2022
Operating Income	1963.36	1841.79	1749.84
Total Income	1964.35	1842.66	1750.74
Interest	733.16	680.95	693.60
Employee Expenses	315.77	314.88	270.18
Selling & Administrative Expenses	51.59	62.07	51.84
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00
Other Expenses	367.67	323.86	337.48
TOTAL OPERATING EXPENDITURE	1468.19	1381.76	1353.10
Operating Profit Before Prov. & Cont.	496.16	460.90	397.64
Provisions & Write Offs	11.19	10.48	-39.99
Depreciation	19.28	19.11	19.44
TOTAL EXPENDITURE	1498.66	1411.35	1332.55
Tax	127.16	122.00	114.60
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-10.75	-13.48	0.15
Reported Profit After Tax	349.28	322.79	303.44
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	349.28	322.79	303.44
EPS (Unit Curr.)	52.31	48.42	45.69
EPS (Adj) (Unit Curr.)	52.31	48.42	45.69
Calculated EPS (Unit Curr.)	52.23	48.39	45.54
Calculated EPS (Adj) (Unit Curr.)	52.23	48.39	45.54
Calculated EPS (Ann.) (Unit Curr.)	208.93	193.58	182.16
Calculated EPS (Adj) (Ann.) (Unit Curr.)	208.93	193.58	182.16
Book Value (Unit Curr.)	1416.00	1360.00	1310.00
Dividend (%)	0.00	0.00	270.00
Equity	66.87	66.70	66.63
Reserve & Surplus	0.00	0.00	0.00
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(%)	62.04	61.43	64.65
PBDTM(%)	24.70	24.46	25.01
PATM(%)	17.79	17.53	17.34
Net Interest Income	1231.00	1162.00	1057.00
Operating Expenses	540.00	503.00	463.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	36117.00	34611.00	33186.00
Return on Equity(%)	0.00	0.00	0.00
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	43.88	43.28	43.78
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	13.81	13.71	12.93
Provision Coverage Ratio(%)	46.11	47.13	49.28
Capital Adequacy Ratio	26.21	26.59	26.78
Tier I Capital	0.00	0.00	26.78
Tier II Capital	0.00	0.00	0.00
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	5.93	6.11	6.31
(%) Net Non Performing Assets	3.29	3.32	3.30
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	3.28	3.12	3.07
Loans Disbursed(Amt Rs cr)	8020.00	7931.00	7527.00
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	27.00
Diluted EPS	51.54	47.92	45.68