Equity Analysis

Particulars	Mar 2023	Dec 2022	Sep 2022
Operating Income	16679.43	15230.12	15027.21
Total Income	16692.12	15246.81	15035.99
Interest	10184.75	9694.18	8559.69
Employee Expenses	240.27	234.76	266.99
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	332.83	269.76	264.37
TOTAL OPERATING EXPENDITURE	10757.85	10198.70	9091.05
Operating Profit Before Prov. & Cont.	5934.27	5048.11	5944.94
Provisions & Write Offs	438.00	370.00	473.00
Depreciation	97.91	66.31	57.88
TOTAL EXPENDITURE	11293.76	10635.01	9621.93
Tax	668.52	867.80	890.34
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	304.34	53.20	69.48
Reported Profit After Tax	4425.50	3690.80	4454.24
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	4425.50	3690.80	4454.24
EPS (Unit Curr.)	24.19	20.22	24.51
EPS (Adj) (Unit Curr.)	24.19	20.22	24.51
Calculated EPS (Unit Curr.)	24.12	20.20	24.51
Calculated EPS (Adj) (Unit Curr.)	24.12	20.20	24.51
Calculated EPS (Ann.) (Unit Curr.)	96.49	80.82	98.04
Calculated EPS (Adj) (Ann.) (Unit Curr.)	96.49	80.82	98.04
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	366.91	365.35	363.47
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(%)	94.01	94.37	93.37
PBDTM(%)	32.95	30.72	36.41
PATM(%)	26.53	24.23	29.64
Net Interest Income	5321.00	4840.00	4639.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	723988.00	701500.00	690284.00
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	0.00	9.50	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	2.29	2.28
Net Interest Margin(%)	0.00	3.50	0.00
Provision Coverage Ratio(%)	0.00	56.00	55.30
Capital Adequacy Ratio	24.30	23.70	22.50
Tier I Capital	23.80	23.20	21.90
Tier II Capital	0.50	0.50	0.60
Gross Non Performing Assets	7246.00	8880.00	9355.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	1.18	1.49	1.59
(%) Net Non Performing Assets	0.00	0.00	0.00
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	2.40	0.00
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)	620500.00	602400.00	595300.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	24.02	19.99	24.41