IDFC First Bank, 539437, IDFCFIRSTB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

46,074.32
20.40
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

86,021.60
N/A
1.29

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

95.82
-12.60
-7.10

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
181.21

PAT CAGR (%)

10 Years
5 Years
3 Years

1.49
1.63

P:E (Median)

8 Years
5 Years
3 Years

18.04
18.76
19.78

P:BV (Average)

8 Years
5 Years
3 Years

1.38
1.49
1.63

EV:EBITDA (Average)

8 Years
5 Years
3 Years

25.73
22.14
19.41

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 8,956.93 7,356.17 21.76% 8,788.60 6,867.72 27.97% 8,219.21 6,424.35 27.94% 7,879.40 5,911.82 33.28%
Interest Exp. 4,169.08 3,405.98 22.40% 4,093.70 3,122.60 31.10% 3,750.34 2,827.60 32.63% 3,592.83 2,626.52 36.79%
Net Interest Income 4,787.85 3,950.19 21.21% 4,694.90 3,745.12 25.36% 4,468.87 3,596.75 24.25% 4,286.57 3,285.30 30.48%
NIM 0.00 6.32 -100.00% 6.22 6.33 -1.74% 6.35 6.41 -0.94% 6.42 6.36 0.94%
Other Income 1,727.30 1,429.63 20.82% 1,619.15 1,413.82 14.52% 1,642.00 1,397.48 17.50% 1,516.55 1,152.48 31.59%
Total Income 10,684.23 8,785.80 21.61% 10,407.75 8,281.54 25.67% 9,861.21 7,821.83 26.07% 9,395.95 7,064.30 33.01%
Operating Exp. 4,553.30 3,869.57 17.67% 4,431.60 3,658.60 21.13% 4,446.96 3,435.57 29.44% 4,240.65 3,177.01 33.48%
Operating Profit 1,961.85 1,510.25 29.90% 1,882.45 1,500.34 25.47% 1,663.91 1,558.66 6.75% 1,562.47 1,260.77 23.93%
Provision 1,731.94 528.36 227.80% 994.40 476.17 108.83% 722.31 482.43 49.72% 654.81 450.23 45.44%
PBT 229.91 981.89 -76.58% 888.05 1,024.17 -13.29% 941.60 1,076.23 -12.51% 907.66 810.54 11.98%
PBTM 2.57 13.35 -80.75% 10.10 14.91 -32.26% 11.46 16.75 -31.58% 11.52 13.71 -15.97%
TAX 29.22 230.57 -87.33% 207.40 259.01 -19.93% 217.25 273.61 -20.60% 191.98 205.93 -6.77%
PAT 200.69 751.32 -73.29% 680.65 765.16 -11.04% 724.35 802.62 -9.75% 715.68 604.61 18.37%
PATM 2.24% 10.21% 7.74% 11.14% 8.81% 12.49% 9.08% 10.23%
EPS 0.27 1.12 -75.89% 0.96 1.15 -16.52% 1.02 1.21 -15.70% 1.01 0.97 4.12%
Gross NPA 4,195.19 3,747.80 11.94% 3,904.20 3,603.38 8.35% 3,718.36 3,884.45 -4.28% 3,775.39 4,302.64 -12.25%
Gross NPA% 1.92 2.11 -9.00% 1.90 2.17 -12.44% 1.88 2.51 -25.10% 2.04 2.96 -31.08%
Net NPA 1,037.61 1,192.50 -12.99% 1,195.28 1,149.03 4.03% 1,160.46 1,304.05 -11.01% 1,250.34 1,464.16 -14.60%
Net NPA% 0.48 0.68 -29.41% 0.59 0.70 -15.71% 0.60 0.86 -30.23% 0.68 1.03 -33.98%
CASA 0.00 46.40 -100.00% 46.60 46.50 0.22% 47.20 49.80 -5.22% 46.80 50.00 -6.40%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 8,957.02 7,356.27 21.76% 8,788.69 6,868.86 27.95% 8,220.48 6,424.42 27.96% 7,879.50 5,911.89 33.28%
Interest Exp. 4,168.73 3,405.61 22.41% 4,093.25 3,122.36 31.09% 3,749.98 2,827.06 32.65% 3,592.35 2,625.90 36.80%
Net Interest Income 4,788.29 3,950.66 21.20% 4,695.44 3,746.50 25.33% 4,470.50 3,597.36 24.27% 4,287.15 3,285.99 30.47%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 1,727.30 1,409.54 22.54% 1,574.01 1,363.61 15.43% 1,642.02 1,397.81 17.47% 1,516.56 1,152.44 31.60%
Total Income 10,684.32 8,765.81 21.89% 10,362.70 8,232.47 25.88% 9,862.50 7,822.23 26.08% 9,396.06 7,064.33 33.01%
Operating Exp. 4,538.56 3,849.02 17.91% 4,422.45 3,637.72 21.57% 4,441.83 3,418.35 29.94% 4,219.16 3,161.52 33.45%
Operating Profit 1,977.03 1,511.18 30.83% 1,847.00 1,472.39 25.44% 1,670.69 1,576.82 5.95% 1,584.55 1,276.91 24.09%
Provision 1,731.94 528.36 227.80% 994.40 476.17 108.83% 722.31 482.43 49.72% 654.81 450.23 45.44%
PBT 245.09 982.82 -75.06% 852.60 996.22 -14.42% 948.38 1,094.39 -13.34% 929.74 826.68 12.47%
PBTM 2.74 13.36 -79.49% 9.70 14.50 -33.10% 11.54 17.03 -32.24% 11.80 13.98 -15.59%
TAX 33.15 235.97 -85.95% 209.96 264.71 -20.68% 216.48 278.27 -22.21% 197.65 210.07 -5.91%
PAT 211.94 746.85 -71.62% 642.64 731.51 -12.15% 731.90 816.12 -10.32% 732.09 616.61 18.73%
PATM 2.37% 10.15% 7.31% 10.65% 8.90% 12.70% 9.29% 10.43%
EPS 0.28 1.00 -72.00% 0.86 0.98 -12.24% 0.98 1.09 -10.09% 0.98 0.82 19.51%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 18,238.19 16,450.75 12,635.33 9,706.16 7,380.26 6,075.56 3,199.09 1,798.09 2,017.32 847.33 0.00 Interest Earned 33,844.14 30,322.50 22,727.54 17,172.68 15,967.86 16,307.56 11,948.17 8,930.00 8,532.71 3,648.83 0.00 Interest Expended 15,605.95 13,871.75 10,092.21 7,466.52 8,587.60 10,232.00 8,749.08 7,131.91 6,515.39 2,801.50 0.00 Int. income Growth 25.11% 30.20% 30.18% 31.52% 21.47% 89.92% 77.92% -10.87% 138.08% 0 Other Income 6,505.00 6,001.99 4,466.97 3,222.04 2,211.33 1,722.16 852.08 1,117.89 1,013.12 403.20 0.00 Total Income 40,349.14 22,452.74 17,102.30 12,928.20 9,591.59 7,797.72 4,051.17 2,915.98 3,030.44 1,250.53 0.00 Total Expenditure 17,672.51 17,979.10 13,410.49 12,379.77 8,786.43 9,870.80 4,533.68 1,725.20 1,425.14 494.01 2.59 Employee Cost - 4,892.53 3,742.23 2,696.54 1,976.98 1,527.58 1,118.19 675.97 573.62 256.63 0.00 % Of Sales - 16.13% 16.47% 15.70% 12.38% 9.37% 9.36% 7.57% 6.72% 7.03% 0 Opt. & Establishment Exp. - 11,941.56 8,852.80 7,321.17 5,445.68 4,638.84 7,581.22 1,140.10 837.70 294.71 2.59 % Of Sales - 39.38% 38.95% 42.63% 34.10% 28.45% 63.45% 12.77% 9.82% 8.08% 0 Provisions - 2,381.65 1,664.82 3,108.58 2,022.53 4,315.26 1,459.63 236.09 282.50 24.17 0.00 % Of Sales - 7.85% 7.33% 18.10% 12.67% 26.46% 12.22% 2.64% 3.31% 0.66% 0 EBITDA 7,070.68 4,473.64 3,691.81 548.43 805.16 -2,073.08 -482.51 1,190.78 1,605.30 756.52 -2.59 EBITDA Margin 47.78% 27.19% 29.22% 5.65% 10.91% -34.12% -15.08% 66.22% 79.58% 89.28% 0 Depreciation 0.00 618.32 424.68 373.26 329.38 305.44 2,812.68 163.48 134.34 40.75 0.00 PBT 2,967.22 3,855.32 3,267.13 175.17 475.78 -2,378.52 -3,295.19 1,027.30 1,470.96 715.77 -2.59 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 645.85 898.81 830.00 29.68 23.50 485.69 -1,351.01 168.00 451.22 248.92 0.00 Tax Rate 21.77% 23.31% 25.40% 16.94% 4.94% -20.42% 41.00% 16.35% 30.68% 34.78% 0.00% PAT 2,321.37 2,956.51 2,437.13 145.49 452.28 -2,864.21 -1,944.18 859.30 1,019.74 466.85 -2.58 PAT before Minority Interest 2,321.37 2,956.51 2,437.13 145.49 452.28 -2,864.21 -1,944.18 859.30 1,019.74 466.85 -2.58 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 9.38% 13.17% 14.25% 1.13% 4.72% -36.73% -47.99% 29.47% 33.65% 37.33% 0 PAT Growth -20.60% 21.31% 1575.12% -67.83% 0 0 -326.25% -15.73% 118.43% 0 EPS 3.10 3.95 3.26 0.19 0.60 -3.83 -2.60 1.15 1.36 0.62 0.00

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 18,241.38 16,454.81 12,637.17 9,707.62 7,383.02 6,012.05 3,460.78 1,972.51 2,062.81 Interest Earned 33,845.69 30,325.11 22,727.81 17,172.69 15,968.15 16,240.32 12,204.02 9,098.47 8,578.28 Interest Expended 15,604.31 13,870.30 10,090.64 7,465.07 8,585.13 10,228.27 8,743.24 7,125.96 6,515.47 Int. income Growth 25.11% 30.21% 30.18% 31.49% 22.80% 73.72% 75.45% -4.38% Other Income 6,459.89 5,931.73 4,467.28 3,172.59 2,211.43 1,722.41 852.16 1,119.87 1,019.10 Total Income 40,305.58 22,386.54 17,104.45 12,880.21 9,594.45 7,734.46 4,312.94 3,092.38 3,081.91 Total Expenditure 17,622.00 17,898.63 13,338.06 12,322.83 8,732.96 9,760.34 4,702.19 1,789.01 1,432.24 Employee Cost - 5,633.66 4,278.59 3,099.87 2,301.52 1,795.01 1,279.37 786.38 614.96 % Of Sales - 18.58% 18.83% 18.05% 14.41% 11.05% 10.48% 8.64% 7.17% Opt. & Establishment Exp. - 11,144.84 8,264.63 6,879.19 5,093.93 4,289.80 7,631.59 1,178.74 853.08 % Of Sales - 36.75% 36.36% 40.06% 31.90% 26.41% 62.53% 12.96% 9.94% Provisions - 2,381.65 1,664.82 3,108.59 2,022.53 4,315.55 1,431.87 160.31 236.06 % Of Sales - 7.85% 7.33% 18.10% 12.67% 26.57% 11.73% 1.76% 2.75% EBITDA 7,079.27 4,487.91 3,766.39 557.38 861.49 -2,025.88 -389.25 1,303.37 1,649.67 EBITDA Margin 47.93% 27.27% 29.80% 5.74% 11.67% -33.70% -11.25% 66.08% 79.97% Depreciation 0.00 630.76 434.99 382.41 342.51 320.01 2,820.32 168.21 135.93 PBT 2,975.81 3,857.15 3,331.40 174.97 518.98 -2,345.89 -3,209.57 1,135.17 1,513.73 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 657.24 914.80 846.47 42.66 35.80 497.50 -1,329.55 179.69 450.99 Tax Rate 22.09% 23.72% 25.41% 24.38% 6.90% -21.21% 41.42% 15.83% 29.79% PAT 2,318.57 2,942.35 2,484.93 132.31 483.18 -2,843.39 -1,880.02 955.48 1,062.74 PAT before Minority Interest 2,318.57 2,942.35 2,484.93 132.31 483.18 -2,843.39 -1,880.02 955.48 1,062.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 9.39% 13.14% 14.53% 1.03% 5.04% -36.76% -43.59% 30.90% 34.48% PAT Growth -20.35% 18.41% 1778.11% -72.62% 0 0 -296.76% -10.09% EPS 3.10 3.93 3.32 0.18 0.65 -3.80 -2.51 1.28 1.42

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 32,161.31 25,721.16 21,003.48 17,807.89 15,342.60 18,159.26 15,256.54 14,678.05 13,632.55 -2.53 Share Capital 7,069.92 6,618.12 6,217.71 5,675.85 4,809.90 4,781.68 3,404.07 3,399.01 3,392.62 0.05 Total Reserves 25,032.46 19,065.93 14,769.65 12,131.95 10,532.70 13,377.58 11,852.46 11,277.97 10,236.61 -2.58 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 2,00,576.31 1,44,637.31 1,05,634.36 88,688.42 65,107.97 70,479.01 48,198.20 40,208.22 8,219.05 0.00 Borrowings 50,935.57 57,212.09 52,962.60 45,786.09 57,397.19 69,983.39 57,287.07 50,262.19 57,159.83 0.00 Other Liabilities & Provisions 12,441.91 12,371.09 10,581.16 10,861.48 11,352.64 8,563.20 5,778.37 7,011.20 4,204.44 2.59 Total Liabilities 2,96,115.10 2,39,941.65 1,90,181.60 1,63,143.88 1,49,200.40 1,67,184.86 1,26,520.18 1,12,159.66 83,215.87 0.06 Net Block 2,524.91 1,876.18 1,281.81 1,201.15 964.66 916.59 780.74 781.18 643.64 0.00 Gross Block 5,023.32 3,858.34 5,481.55 5,080.79 4,545.27 4,214.23 1,183.54 1,024.46 759.33 0.00 Accumulated Depreciation 2,498.41 1,982.16 4,199.74 3,879.64 3,580.61 3,297.63 402.80 243.28 115.69 0.00 Total Non-Current Assets 2,84,402.40 2,28,906.17 1,81,121.77 1,53,056.15 1,36,228.45 1,55,294.66 1,19,042.35 1,05,761.93 79,004.80 0.05 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 94.52 213.95 79.41 65.27 73.07 33.61 3.39 5.37 29.21 0.00 Cash and balance with RBI 11,075.02 10,739.74 11,389.92 4,745.93 3,379.92 4,149.53 3,050.86 3,036.29 1,900.84 0.00 Balance with banks and money at call 1,405.19 3,158.22 4,367.99 1,081.93 810.86 5,417.25 1,840.94 2,065.71 1,003.07 0.05 Investments 74,710.39 61,123.55 46,144.84 45,411.74 45,404.58 58,475.39 61,201.53 50,471.70 29,728.61 0.00 Advances 1,94,592.37 1,51,794.53 1,17,857.80 1,00,550.13 85,595.36 86,302.29 52,164.89 49,401.68 45,699.43 0.00 Other Assets 11,712.70 11,035.49 9,059.84 10,087.74 12,971.95 11,890.21 7,477.83 6,397.73 4,211.07 0.00 Total Assets 2,96,115.10 2,39,941.66 1,90,181.61 1,63,143.89 1,49,200.40 1,67,184.87 1,26,520.18 1,12,159.66 83,215.87 0.05 Contingent Liabilities 3,02,348.05 3,61,184.04 2,14,299.08 2,12,474.34 2,80,676.08 2,99,910.63 2,15,689.88 2,03,611.23 72,936.70 0.00 Bills for collection 3,624.40 2,196.78 1,439.99 1,285.38 914.95 454.37 554.50 0.00 0.00 0.00 Adjusted Book Value 45.41 38.81 33.75 31.37 31.90 37.98 44.82 43.18 40.17 -506.98

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 32,273.58 25,847.55 21,082.12 17,899.71 15,403.52 18,199.36 15,274.11 14,677.33 Share Capital 7,069.92 6,618.12 6,217.71 5,675.85 4,809.90 4,781.68 3,404.07 3,399.01 Total Reserves 25,144.73 19,192.31 14,848.29 12,223.77 10,593.62 13,417.69 11,870.03 11,277.25 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 2,00,570.20 1,44,469.50 1,05,539.63 88,536.24 65,078.94 70,353.59 48,039.44 40,097.83 Borrowings 50,935.74 57,212.09 52,962.60 45,786.09 57,397.19 69,983.39 57,287.07 50,262.19 Other Liabilities & Provisions 12,430.26 12,352.90 10,561.39 10,849.48 11,278.90 8,562.59 5,781.38 7,026.97 Total Liabilities 2,96,209.78 2,39,882.04 1,90,145.74 1,63,071.52 1,49,158.55 1,67,098.93 1,26,382.00 1,12,064.32 Net Block 2,580.04 1,914.49 1,307.93 1,230.66 998.77 939.93 796.87 792.95 Gross Block 5,151.22 3,958.91 5,560.27 5,155.45 4,612.82 4,260.75 1,218.67 1,076.70 Accumulated Depreciation 2,571.18 2,044.42 4,252.33 3,924.80 3,614.05 3,320.82 421.80 283.75 Total Non-Current Assets 2,84,248.21 2,28,619.55 1,80,882.07 1,52,800.78 1,36,005.85 1,55,047.71 1,18,746.39 1,05,504.79 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 94.52 218.57 79.41 65.27 74.46 34.11 3.39 5.92 Cash and balance with RBI 10,988.46 10,562.28 11,281.25 4,669.55 3,348.42 4,100.93 3,021.10 2,995.14 Balance with banks and money at call 1,492.70 3,216.40 4,421.12 1,103.58 814.42 5,425.22 1,855.72 2,144.99 Investments 74,500.12 60,913.28 45,934.56 45,181.59 45,174.42 58,245.23 60,904.42 50,164.11 Advances 1,94,592.37 1,51,794.53 1,17,857.80 1,00,550.13 85,595.36 86,302.29 52,164.89 49,401.68 Other Assets 11,961.58 11,262.50 9,263.66 10,270.76 13,152.69 12,051.22 7,635.61 6,559.52 Total Assets 2,96,209.79 2,39,882.05 1,90,145.73 1,63,071.54 1,49,158.54 1,67,098.93 1,26,382.00 1,12,064.31 Contingent Liabilities 3,02,361.17 3,61,207.30 2,14,314.37 2,12,486.52 2,80,678.92 2,99,918.85 2,15,695.09 2,03,700.05 Bills for collection 3,624.40 2,196.78 1,439.99 1,285.38 914.95 454.37 554.50 0.00 Adjusted Book Value 45.57 39.00 33.88 31.54 32.02 38.06 44.87 43.18

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 11,327.97 3,599.65 2,603.92 14,061.47 10,926.81 17,293.38 -5,946.64 14,246.53 -13,033.62 0.00 PBT 3,855.32 3,267.13 175.17 475.78 -2,378.52 -3,295.19 1,027.30 1,470.96 715.76 -2.59 Adjustment 3,210.67 2,379.96 3,645.62 2,442.46 4,749.57 4,407.08 514.24 451.51 71.87 0.00 Adjustments for Liabilities & Assets 5,035.17 -1,727.67 -1,380.85 10,608.03 8,684.50 16,104.01 -7,148.23 12,561.51 -13,590.28 2.59 Refund/(Payment) of direct taxes -773.20 -319.78 163.98 535.19 -128.74 77.47 -339.94 -237.44 -230.97 0.00 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 -9,791.79 -11,968.64 -2,884.46 -2,826.22 -3,764.15 -1,282.47 -1,007.62 -5,074.42 7,171.08 0.00 Net Fixed Assets -1045.55 1488.67 -414.90 -527.72 -370.50 -3060.91 -157.10 -241.29 -788.54 Other Investment Activity -17086.48 -6956.75 -8387.18 -8910.21 -5900.81 -5255.46 -6261.35 6141.25 -788.54 Cash from Financing Activity -2,953.92 6,509.04 10,210.59 -9,598.18 -12,538.66 -12,206.55 6,744.07 -6,974.02 7,474.91 0.05 Closing Cash & Equivalent 12,480.21 13,897.95 15,757.91 5,827.86 4,190.79 9,566.78 4,891.80 5,102.00 2,903.91 0.05 Net Cash Inflow / Outflow -1,417.74 -1,859.95 9,930.05 1,637.07 -5,375.99 3,804.36 -210.20 2,198.09 1,612.38 0.05 Opening Cash & Equivalents 13,897.95 15,757.91 5,827.86 4,190.79 9,566.78 4,891.80 5,102.00 2,903.91 0.05 0.00

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 11,542.89 3,563.00 2,679.13 14,041.71 10,965.54 17,363.78 -5,977.82 14,128.15 PBT 3,857.16 3,331.40 174.97 518.98 -2,345.89 -3,237.43 1,059.61 1,469.68 Adjustment 3,293.37 2,390.25 3,705.12 2,455.48 4,764.24 4,414.80 518.70 450.68 Adjustments for Liabilities & Assets 5,199.57 -1,802.71 -1,335.79 10,549.69 8,696.55 16,132.88 -7,207.66 12,451.93 Refund/(Payment) of direct taxes -807.21 -355.94 134.83 517.56 -149.36 53.54 -348.47 -244.15 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -9,886.70 -11,995.74 -2,960.47 -2,833.25 -3,790.19 -1,364.74 -1,027.28 -4,917.90 Net Fixed Assets -1045.55 1488.67 -414.90 -527.72 -370.50 -3060.91 -157.10 Other Investment Activity -17113.58 -7032.76 -8394.21 -8936.25 -5983.08 -5275.12 -6104.83 Cash from Financing Activity -2,953.71 6,509.04 10,210.59 -9,598.18 -12,538.66 -12,220.31 6,741.79 -6,974.02 Closing Cash & Equivalent 12,481.16 13,778.68 15,702.37 5,773.12 4,162.84 9,526.15 4,876.82 5,140.13 Net Cash Inflow / Outflow -1,297.52 -1,923.69 9,929.25 1,610.28 -5,363.31 3,778.72 -263.31 2,236.22 Opening Cash & Equivalents 13,778.68 15,702.37 5,773.12 4,162.84 9,526.15 4,876.82 5,140.13 2,903.91

Financial Ratios

Standalone /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 45.41 38.81 33.75 31.37 31.90 37.98 44.82 43.18 40.17 -506.98 NIM 5.84 5.57 5.40 4.86 4.49 2.07 1.52 1.92 1.08 0.00 Yield on Advances 15.58 14.97 14.57 15.88 19.05 13.84 17.12 17.27 7.98 0.00 Yield on Investments 5.78 5.81 6.85 8.01 9.49 6.73 7.25 7.63 5.33 0.00 Cost of Liabilities 5.52 5.00 4.71 6.39 8.35 6.23 6.76 7.20 4.29 0.00 Interest Spread 10.07 9.97 9.86 9.49 10.70 7.62 10.36 10.07 3.70 0.00 ROCE 9.11% 9.09% 4.87% 6.35% 3.91% 1.93% 8.03% 9.83% 9.76% 0.00% Cost Income Ratio 72.22 71.16 74.60 73.95 75.16 145.31 56.67 42.14 40.83 0.00 Core Cost Income Ratio 72.89 72.55 78.17 78.49 79.12 146.49 65.55 51.79 56.74 0.00 Operating Costs to Assets 5.48 5.07 5.07 4.35 3.93 3.52 1.31 1.14 0.61 5090.16 Loans/Deposits 0.25 0.40 0.50 0.52 0.88 0.99 1.19 1.25 6.95 0.00 Cash/Deposits 0.06 0.07 0.11 0.05 0.05 0.06 0.06 0.08 0.23 0.00 Investment/Deposits 0.37 0.42 0.44 0.51 0.70 0.83 1.27 1.26 3.62 0.00 Inc Loan/Deposits 25.39% 39.56% 50.14% 51.63% 88.16% 99.30% 118.86% 125.00% 695.46% 0.00% Credit Deposits 97.02% 104.95% 111.57% 113.37% 131.47% 122.45% 108.23% 122.86% 556.02% 0.00% Interest Expended / Interest earned 45.75% 44.41% 43.48% 53.78% 62.74% 73.23% 79.86% 76.36% 76.78% 0.00% Interest income / Total funds 10.24% 9.47% 9.03% 9.79% 10.93% 7.15% 7.06% 7.61% 4.38% 0.00% Interest Expended / Total funds 4.68% 4.21% 3.93% 5.26% 6.86% 5.23% 5.64% 5.81% 3.37% 0.00% CASA 47.25% 49.77% 48.44% 51.75% 32.16% 12.93% 11.85% 5.21% 5.42% 0.00%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 45.57 39.00 33.88 31.54 32.02 38.06 44.87 43.18 NIM 5.84 5.58 5.41 4.87 4.46 2.25 1.67 1.97 Yield on Advances 15.58 14.97 14.57 15.88 18.97 14.14 17.44 17.36 Yield on Investments 5.80 5.83 6.88 8.05 9.54 6.76 7.28 7.68 Cost of Liabilities 5.51 5.00 4.71 6.39 8.35 6.23 6.77 7.21 Interest Spread 10.07 9.97 9.86 9.49 10.62 7.91 10.68 10.15 ROCE 9.10% 9.16% 4.86% 6.41% 3.94% 2.04% 8.19% 10.34% Cost Income Ratio 72.13 70.79 74.51 73.51 74.53 141.22 58.11 43.22 Core Cost Income Ratio 72.80 72.17 78.09 78.02 78.50 142.29 66.59 52.92 Operating Costs to Assets 5.45 5.05 5.05 4.33 3.86 3.64 1.42 1.19 Loans/Deposits 0.25 0.40 0.50 0.52 0.88 0.99 1.19 1.25 Cash/Deposits 0.05 0.07 0.11 0.05 0.05 0.06 0.06 0.07 Investment/Deposits 0.37 0.42 0.44 0.51 0.69 0.83 1.27 1.25 Inc Loan/Deposits 25.40% 39.60% 50.18% 51.71% 88.20% 99.47% 119.25% 125.35% Credit Deposits 97.02% 105.07% 111.67% 113.57% 131.53% 122.67% 108.59% 123.20% Interest Expended / Interest earned 45.74% 44.40% 43.47% 53.76% 62.98% 71.64% 78.32% 75.95% Interest income / Total funds 10.24% 9.47% 9.03% 9.79% 10.89% 7.30% 7.20% 7.65% Interest Expended / Total funds 4.68% 4.21% 3.93% 5.26% 6.86% 5.23% 5.64% 5.81% CASA 47.25% 49.73% 48.41% 51.77% 32.16% 12.87% 11.79% 5.06%