The Jammu & Kashmir Bank, 532209, J%26KBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

10,725.52
5.29
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

6,360.44
2.21%
0.89

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

21.50
-
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

13.28
-
51.95

PAT CAGR (%)

10 Years
5 Years
3 Years

0.66
0.82

P:E (Median)

8 Years
5 Years
3 Years

5.62
5.60
6.14

P:BV (Average)

8 Years
5 Years
3 Years

0.63
0.66
0.82

EV:EBITDA (Average)

8 Years
5 Years
3 Years

1.06
1.79
3.00

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 3,123.55 2,764.15 13.00% 2,994.38 2,657.08 12.69% 2,910.18 2,512.12 15.85% 2,880.96 2,440.82 18.03%
Interest Exp. 1,687.62 1,430.32 17.99% 1,625.16 1,373.78 18.30% 1,604.06 1,262.57 27.05% 1,600.52 1,183.44 35.24%
Net Interest Income 1,435.93 1,333.83 7.65% 1,369.22 1,283.30 6.70% 1,306.12 1,249.55 4.53% 1,280.44 1,257.38 1.83%
NIM 3.90 4.07 -4.18% 3.86 3.98 -3.02% 3.92 3.89 0.77% 3.83 4.10 -6.59%
Other Income 296.08 190.31 55.58% 194.10 228.27 -14.97% 224.56 166.28 35.05% 182.34 241.85 -24.61%
Total Income 3,419.63 2,954.46 15.74% 3,188.48 2,885.35 10.51% 3,134.74 2,678.40 17.04% 3,063.30 2,682.67 14.19%
Operating Exp. 945.02 989.67 -4.51% 968.65 983.52 -1.51% 866.85 966.23 -10.29% 912.25 955.12 -4.49%
Operating Profit 786.99 534.47 47.25% 594.67 528.05 12.62% 663.83 449.60 47.65% 550.53 544.11 1.18%
Provision 32.53 -9.94 - -17.48 76.73 - -165.05 -175.21 - -9.43 27.05 -
PBT 754.46 544.41 38.58% 612.15 451.32 35.64% 828.88 624.81 32.66% 559.96 517.06 8.30%
PBTM 24.15 19.70 22.59% 20.44 16.99 20.31% 28.48 24.87 14.52% 19.44 21.18 -8.22%
TAX 203.54 163.34 24.61% 196.66 124.87 57.49% 190.21 148.48 28.10% 138.88 205.47 -32.41%
PAT 550.92 381.07 44.57% 415.49 326.45 27.28% 638.67 476.33 34.08% 421.08 311.59 35.14%
PATM 17.64% 13.79% 13.88% 12.29% 21.95% 18.96% 14.62% 12.77%
EPS 5.00 3.69 35.50% 3.77 3.16 19.30% 5.80 4.62 25.54% 3.82 3.24 17.90%
Gross NPA 3,916.26 4,826.68 -18.86% 3,857.59 5,103.68 -24.42% 3,956.19 5,204.43 -23.98% 4,526.48 5,945.97 -23.87%
Gross NPA% 3.95 526.00 -99.25% 3.91 5.77 -32.24% 4.08 6.04 -32.45% 4.84 7.25 -33.24%
Net NPA 813.39 917.36 -11.33% 727.58 1,176.91 -38.18% 736.85 1,334.24 -44.77% 740.83 1,613.61 -54.09%
Net NPA% 0.85 1.04 -18.27% 0.76 1.39 -45.32% 0.79 1.62 -51.23% 0.83 2.08 -60.10%
CASA 48.60 50.61 -3.97% 49.77 53.29 -6.61% 50.51 54.10 -6.64% 50.59 53.71 -5.81%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 3,123.66 2,764.44 12.99% 2,994.36 2,657.21 12.69% 2,910.35 2,512.30 15.84% 2,881.20 2,440.87 18.04%
Interest Exp. 1,687.42 1,430.17 17.99% 1,624.97 1,373.61 18.30% 1,603.86 1,262.40 27.05% 1,600.29 1,183.22 35.25%
Net Interest Income 1,436.24 1,334.27 7.64% 1,369.39 1,283.60 6.68% 1,306.49 1,249.90 4.53% 1,280.91 1,257.65 1.85%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 300.65 192.90 55.86% 198.42 230.31 -13.85% 228.69 168.38 35.82% 185.77 243.85 -23.82%
Total Income 3,424.31 2,957.34 15.79% 3,192.78 2,887.52 10.57% 3,139.04 2,680.68 17.10% 3,066.97 2,684.72 14.24%
Operating Exp. 947.54 991.92 -4.47% 971.56 985.57 -1.42% 869.82 968.11 -10.15% 915.25 956.78 -4.34%
Operating Profit 789.35 535.25 47.47% 596.25 528.34 12.85% 665.36 450.17 47.80% 551.43 544.72 1.23%
Provision 32.52 -9.95 - -17.47 76.74 - -165.05 -175.20 - -9.43 27.04 -
PBT 756.83 545.20 38.82% 613.72 451.60 35.90% 830.41 625.37 32.79% 560.86 517.68 8.34%
PBTM 24.23 19.72 22.87% 20.50 17.00 20.59% 28.53 24.89 14.62% 19.47 21.21 -8.20%
TAX 204.16 163.56 24.82% 196.99 124.93 57.68% 190.61 148.64 28.24% 139.07 205.64 -32.37%
PAT 552.67 381.64 44.81% 416.73 326.67 27.57% 639.80 476.73 34.21% 421.79 312.04 35.17%
PATM 17.69% 13.81% 13.92% 12.29% 21.98% 18.98% 14.64% 12.78%
EPS 5.02 3.47 44.67% 3.78 2.97 27.27% 5.81 4.33 34.18% 3.83 2.83 35.34%
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

Consolidated Figures in Rs. Crores /

Standalone

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 5,391.71 5,203.68 4,745.28 3,911.23 3,770.78 3,706.67 3,383.93 2,870.79 2,511.94 2,710.09 2,650.91 Interest Earned 11,909.07 11,212.36 9,355.11 8,013.48 8,111.09 8,446.29 7,675.56 6,621.40 6,685.80 6,843.57 7,061.13 Interest Expended 6,517.36 6,008.68 4,609.83 4,102.25 4,340.31 4,739.62 4,291.63 3,750.61 4,173.86 4,133.48 4,410.22 Int. income Growth 5.22% 9.66% 21.32% 3.72% 1.73% 9.54% 17.87% 14.29% -7.31% 2.23% Other Income 897.08 825.48 756.81 744.01 692.08 545.92 812.63 495.31 492.86 504.03 593.97 Total Income 12,806.15 6,029.16 5,502.09 4,655.24 4,462.86 4,252.59 4,196.56 3,366.10 3,004.80 3,214.12 3,244.88 Total Expenditure 3,692.77 3,427.04 3,560.17 3,768.66 3,794.85 5,227.24 3,432.74 3,148.59 4,425.69 2,458.45 2,330.07 Employee Cost - 2,571.56 2,703.66 2,671.93 2,059.38 1,886.05 1,646.18 1,286.88 1,122.54 1,057.40 894.03 % Of Sales - 22.94% 28.90% 33.34% 25.39% 22.33% 21.45% 19.44% 16.79% 15.45% 12.66% Opt. & Establishment Exp. - 1,398.27 1,097.50 1,064.71 953.09 966.89 936.57 793.89 673.01 552.80 609.52 % Of Sales - 12.47% 11.73% 13.29% 11.75% 11.45% 12.20% 11.99% 10.07% 8.08% 8.63% Provisions - -107.69 74.13 319.76 1,050.24 2,625.10 1,058.17 1,260.92 2,800.30 976.23 1,015.52 % Of Sales - -0.96% 0.79% 3.99% 12.95% 31.08% 13.79% 19.04% 41.88% 14.26% 14.38% EBITDA 2,596.02 2,602.12 1,941.92 886.58 668.01 -974.65 763.82 217.51 -1,420.89 755.67 914.81 EBITDA Margin 68.99% 50.01% 40.92% 22.67% 17.72% -26.29% 22.57% 7.58% -56.57% 27.88% 34.51% Depreciation 0.00 217.55 157.56 143.87 133.93 125.40 104.09 96.55 85.08 63.99 94.50 PBT 2,755.45 2,384.57 1,784.36 742.70 534.07 -1,100.05 659.73 120.96 -1,505.97 691.68 820.31 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 729.29 617.30 586.98 241.14 101.95 39.36 194.85 -81.76 126.32 275.65 311.71 Tax Rate 26.47% 25.89% 32.90% 32.47% 19.09% -3.58% 29.53% -67.59% -8.39% 39.85% 38.00% PAT 2,026.16 1,767.27 1,197.38 501.56 432.12 -1,139.41 464.88 202.72 -1,632.29 416.03 508.60 PAT before Minority Interest 2,026.16 1,767.27 1,197.38 501.56 432.12 -1,139.41 464.88 202.72 -1,632.29 416.03 508.60 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 32.22% 29.31% 21.76% 10.77% 9.68% -26.79% 11.08% 6.02% -54.32% 12.94% 15.67% PAT Growth 35.49% 47.59% 138.73% 16.07% 0 -345.10% 129.32% 0 -492.35% -18.20% EPS 18.40 16.05 10.87 4.55 3.92 -10.35 4.22 1.84 -14.82 3.78 4.62

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 5,393.03 5,205.27 4,745.79 3,911.64 3,771.21 3,707.05 3,384.43 2,871.21 2,512.79 2,711.37 2,652.54 Interest Earned 11,909.57 11,213.20 9,355.23 8,012.98 8,111.09 8,446.29 7,675.56 6,621.40 6,685.80 6,843.57 7,061.13 Interest Expended 6,516.54 6,007.93 4,609.44 4,101.34 4,339.88 4,739.24 4,291.13 3,750.19 4,173.01 4,132.20 4,408.59 Int. income Growth 5.22% 9.68% 21.32% 3.72% 1.73% 9.53% 17.87% 14.26% -7.32% 2.22% Other Income 913.53 837.67 765.24 753.48 701.49 508.60 817.48 500.84 497.27 508.71 599.04 Total Income 12,823.10 6,042.94 5,511.03 4,665.12 4,472.70 4,215.65 4,201.91 3,372.05 3,010.06 3,220.08 3,251.58 Total Expenditure 3,704.17 3,446.95 3,592.52 3,795.21 3,801.68 5,234.00 3,438.94 3,154.44 4,431.45 2,466.31 2,336.41 Employee Cost - 2,578.98 2,708.56 2,675.08 2,062.43 1,890.64 1,650.11 1,290.62 1,126.35 1,025.19 897.56 % Of Sales - 23.00% 28.95% 33.38% 25.43% 22.38% 21.50% 19.49% 16.85% 14.98% 12.71% Opt. & Establishment Exp. - 1,391.50 1,074.77 1,047.90 956.02 969.60 939.20 796.26 675.36 593.45 613.34 % Of Sales - 12.41% 11.49% 13.08% 11.79% 11.48% 12.24% 12.03% 10.10% 8.67% 8.69% Provisions - -107.69 74.13 320.89 1,051.79 2,625.10 1,058.17 1,260.92 2,800.30 976.23 1,015.47 % Of Sales - -0.96% 0.79% 4.00% 12.97% 31.08% 13.79% 19.04% 41.88% 14.26% 14.38% EBITDA 2,602.39 2,595.99 1,918.51 869.91 671.02 -1,018.35 762.97 217.61 -1,421.39 753.77 915.17 EBITDA Margin 68.90% 49.87% 40.43% 22.24% 17.79% -27.47% 22.54% 7.58% -56.57% 27.80% 34.50% Depreciation 0.00 207.92 132.47 124.33 134.28 125.67 104.27 96.68 85.28 64.28 94.98 PBT 2,761.82 2,388.08 1,786.04 745.58 536.75 -1,144.03 658.70 120.93 -1,506.67 689.49 820.19 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 730.83 618.17 587.45 241.14 101.95 39.36 194.85 -81.76 126.32 275.65 311.71 Tax Rate 26.46% 25.89% 32.89% 32.34% 18.99% -3.44% 29.58% -67.61% -8.38% 39.98% 38.00% PAT 2,030.99 1,769.91 1,198.59 504.44 434.80 -1,183.39 463.85 202.69 -1,632.99 413.84 508.48 PAT before Minority Interest 2,030.99 1,769.91 1,198.59 504.44 434.80 -1,183.39 463.85 202.69 -1,632.99 413.84 508.48 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 32.20% 29.29% 21.75% 10.81% 9.72% -28.07% 11.04% 6.01% -54.25% 12.85% 15.64% PAT Growth 35.66% 47.67% 137.61% 16.02% 0 -355.12% 128.85% 0 -494.59% -18.61% EPS 18.44 16.07 10.88 4.58 3.95 -10.75 4.21 1.84 -14.83 3.76 4.62

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 12,235.68 9,943.24 8,107.17 6,825.61 6,393.48 6,626.10 6,161.21 5,676.49 6,423.98 6,110.05 Share Capital 110.13 103.16 93.30 71.36 71.36 55.70 55.70 52.15 48.49 48.49 Total Reserves 12,125.55 9,840.08 7,920.36 6,754.25 6,322.12 6,570.40 6,105.51 5,624.35 6,375.48 6,061.56 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,34,774.89 1,22,037.74 1,14,710.38 1,08,061.15 97,788.23 89,638.90 80,006.50 72,463.09 69,390.25 65,756.19 Borrowings 2,885.00 2,892.31 2,370.82 2,015.20 2,019.58 2,623.96 1,628.34 1,276.05 2,240.00 2,339.67 Other Liabilities & Provisions 4,631.01 11,088.98 5,414.05 3,389.99 2,670.81 2,517.34 1,891.57 2,603.04 2,213.84 1,724.84 Total Liabilities 1,54,526.58 1,45,962.27 1,30,602.42 1,20,291.95 1,08,872.10 1,01,406.30 89,687.62 82,018.67 80,268.07 75,930.75 Net Block 2,207.98 2,224.22 1,907.25 1,970.99 2,035.70 1,645.73 1,598.04 1,478.97 705.12 654.75 Gross Block 3,973.65 3,773.43 3,300.09 3,224.46 3,156.89 2,644.14 2,495.68 2,284.07 1,428.49 1,317.27 Accumulated Depreciation 1,765.67 1,549.21 1,392.84 1,253.47 1,121.19 998.41 897.64 805.10 723.37 662.51 Total Non-Current Assets 1,39,184.18 1,28,264.80 1,14,974.39 1,09,165.97 99,304.66 96,968.58 85,660.24 78,036.24 74,513.64 71,768.08 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 49.50 47.32 46.43 41.42 34.82 28.96 16.55 64.34 58.60 34.16 Cash and balance with RBI 7,250.08 7,794.06 7,750.20 3,685.33 2,947.48 4,874.97 4,328.36 3,590.97 3,126.74 2,373.05 Balance with banks and money at call 927.40 1,084.60 1,034.84 5,812.26 6,835.35 986.91 3,924.52 1,794.96 76.27 1,360.71 Investments 34,986.71 34,829.15 33,834.99 30,814.24 23,052.24 23,160.50 18,880.03 21,290.89 20,353.62 22,759.59 Advances 93,762.51 82,285.45 70,400.68 66,841.73 64,399.07 66,271.51 56,912.74 49,816.11 50,193.29 44,585.82 Other Assets 15,342.41 17,697.45 15,628.02 11,125.97 9,567.44 4,437.71 4,027.37 3,982.42 5,754.44 4,162.67 Total Assets 1,54,526.59 1,45,962.25 1,30,602.41 1,20,291.94 1,08,872.10 1,01,406.29 89,687.61 82,018.66 80,268.08 75,930.75 Contingent Liabilities 4,844.87 5,233.77 5,524.94 4,866.94 5,756.78 6,392.54 5,795.12 6,108.99 16,864.11 21,697.24 Bills for collection 1,513.27 1,705.41 1,538.06 1,439.60 1,160.77 1,443.66 1,193.53 1,190.86 1,208.82 1,173.09 Adjusted Book Value 99.59 83.98 75.72 82.04 75.65 108.11 99.51 96.71 132.51 126.04

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 12,192.73 9,896.33 8,077.12 6,802.27 6,345.85 6,621.76 6,157.59 5,672.89 6,420.86 6,108.45 Share Capital 110.13 103.16 93.30 71.36 71.36 55.70 55.70 52.15 48.49 48.49 Total Reserves 12,082.59 9,793.16 7,890.31 6,730.91 6,274.49 6,566.05 6,101.89 5,620.74 6,372.36 6,059.95 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,34,763.24 1,22,027.18 1,14,702.77 1,08,047.30 97,785.83 89,636.83 80,004.53 72,458.97 69,378.81 65,736.16 Borrowings 2,885.00 2,892.31 2,370.82 2,015.20 2,019.58 2,623.96 1,628.34 1,276.05 2,240.00 2,339.67 Other Liabilities & Provisions 4,663.62 11,096.78 5,425.33 3,408.11 2,677.89 2,522.28 1,893.98 2,604.22 2,213.87 1,725.51 Total Liabilities 1,54,504.59 1,45,912.60 1,30,576.04 1,20,272.88 1,08,829.15 1,01,404.83 89,684.44 82,012.13 80,253.54 75,909.79 Net Block 2,208.25 2,224.43 1,907.51 1,971.42 2,036.32 1,646.36 1,598.33 1,479.35 705.66 655.40 Gross Block 3,976.16 3,775.81 3,302.41 3,226.74 3,159.14 2,646.19 2,497.28 2,285.62 1,430.01 1,318.61 Accumulated Depreciation 1,767.91 1,551.38 1,394.90 1,255.33 1,122.82 999.83 898.95 806.27 724.35 663.20 Total Non-Current Assets 1,39,111.05 1,28,228.62 1,14,924.16 1,09,132.37 99,253.28 96,959.64 85,647.69 78,023.49 74,495.38 71,750.11 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 49.50 47.32 46.43 41.42 34.82 28.96 16.55 64.34 58.60 34.16 Cash and balance with RBI 7,250.08 7,794.06 7,750.20 3,685.33 2,947.48 4,874.97 4,328.36 3,590.97 3,126.74 2,373.05 Balance with banks and money at call 946.40 1,104.80 1,041.70 5,818.37 6,845.12 997.34 3,931.68 1,801.83 77.47 1,362.09 Investments 34,900.22 34,780.40 33,785.25 30,774.10 22,990.47 23,140.50 18,860.03 21,270.89 20,333.62 22,739.59 Advances 93,756.60 82,277.61 70,393.07 66,841.73 64,399.07 66,271.51 56,912.74 49,816.11 50,193.29 44,585.82 Other Assets 15,393.53 17,683.97 15,651.86 11,140.50 9,575.87 4,445.19 4,036.74 3,988.64 5,758.16 4,159.67 Total Assets 1,54,504.58 1,45,912.59 1,30,576.02 1,20,272.87 1,08,829.15 1,01,404.83 89,684.43 82,012.13 80,253.54 75,909.78 Contingent Liabilities 4,844.87 5,233.77 5,524.94 4,866.94 5,756.78 6,392.54 5,795.12 6,108.99 16,864.11 21,697.24 Bills for collection 1,513.27 1,705.41 1,538.06 1,439.60 1,160.77 1,443.66 1,193.53 1,190.86 1,208.82 1,173.09 Adjusted Book Value 99.20 83.52 75.40 81.71 74.99 108.03 99.44 96.64 132.45 126.00

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

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 -851.49 -420.51 -1,568.46 -10.66 4,374.33 -2,995.43 2,362.34 2,451.40 -218.94 128.72 PBT 2,384.57 1,784.36 742.70 534.07 -1,100.05 659.73 120.96 -1,505.98 691.68 820.30 Adjustment 440.71 440.88 627.16 1,382.93 2,989.46 1,393.65 1,467.03 2,937.07 1,091.09 1,164.03 Adjustments for Liabilities & Assets -3,211.62 -2,190.73 -2,695.37 -1,840.25 2,617.76 -5,013.00 953.90 1,091.07 -1,608.53 -1,515.75 Refund/(Payment) of direct taxes -465.14 -455.03 -242.95 -87.41 -132.83 -35.80 -179.56 -70.77 -393.18 -339.86 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 -257.13 -123.47 -85.14 -75.82 -114.43 -164.19 -163.82 -861.32 -135.67 -271.27 Net Fixed Assets -202.40 -474.23 -80.64 -74.17 -518.61 -160.87 -163.82 -861.32 -135.66 -249.61 Other Investment Activity -4146.62 -3905.89 -3422.34 -3380.31 -3355.90 -2836.92 -3373.55 -2484.08 -1758.36 -1518.81 Cash from Financing Activity 407.43 637.59 941.06 -198.75 -338.95 768.61 668.43 592.85 -176.15 -337.58 Closing Cash & Equivalent 8,177.48 8,878.66 8,785.05 9,497.59 9,782.83 5,861.88 8,252.88 5,385.94 3,203.00 3,733.76 Net Cash Inflow / Outflow -701.18 93.61 -712.55 -285.23 3,920.95 -2,391.01 2,866.95 2,182.93 -530.76 -480.14 Opening Cash & Equivalents 8,878.66 8,785.05 9,497.59 9,782.83 5,861.88 8,252.88 5,385.94 3,203.00 3,733.76 4,213.90

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 -852.55 -407.13 -1,568.05 -14.17 4,373.94 -2,991.71 2,362.68 2,457.10 -218.95 118.06 PBT 2,389.40 1,767.96 737.13 531.94 -1,144.03 658.69 120.93 -1,506.68 689.49 820.13 Adjustment 440.79 440.97 626.99 1,369.48 2,989.73 1,393.83 1,467.16 2,937.27 1,091.38 1,164.51 Adjustments for Liabilities & Assets -3,216.36 -2,160.97 -2,688.64 -1,827.85 2,661.02 -5,008.48 955.79 1,098.57 -1,605.78 -1,525.80 Refund/(Payment) of direct taxes -466.38 -455.09 -243.53 -87.73 -132.78 -35.76 -181.20 -72.07 -394.04 -340.78 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 -257.26 -123.51 -85.18 -75.98 -114.69 -164.64 -163.87 -861.35 -135.84 -260.93 Net Fixed Assets -202.40 -474.23 -80.64 -74.17 -518.61 -160.87 -163.82 -861.32 -135.66 -249.61 Other Investment Activity -4146.66 -3905.93 -3422.50 -3380.57 -3356.35 -2836.97 -3373.58 -2484.25 -1748.02 -1519.94 Cash from Financing Activity 407.43 637.59 941.43 -198.75 -338.95 768.61 668.43 592.85 -176.15 -337.58 Closing Cash & Equivalent 8,196.48 8,898.86 8,791.91 9,503.70 9,792.60 5,872.31 8,260.04 5,392.80 3,204.20 3,735.15 Net Cash Inflow / Outflow -702.38 106.95 -711.80 -288.90 3,920.29 -2,387.74 2,867.24 2,188.60 -530.94 -480.45 Opening Cash & Equivalents 8,898.86 8,791.91 9,503.70 9,792.60 5,872.31 8,260.04 5,392.80 3,204.20 3,735.15 4,215.60

Financial Ratios

Consolidated /

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 99.59 83.98 75.72 82.04 75.65 108.11 99.51 96.71 132.51 126.04 NIM 3.80 3.77 3.46 3.52 3.81 3.55 3.42 3.28 3.67 3.73 Yield on Advances 11.96 11.37 11.38 12.13 13.12 11.58 11.63 13.42 13.63 15.84 Yield on Investments 6.64 6.09 5.32 6.44 7.33 7.54 7.78 9.01 8.81 8.14 Cost of Liabilities 4.36 3.69 3.50 3.94 4.75 4.65 4.59 5.66 5.77 6.48 Interest Spread 7.59 7.68 7.88 8.19 8.37 6.93 7.04 7.76 7.86 9.36 ROCE 19.37% 17.52% 9.76% 8.51% -9.71% 10.94% 3.52% -18.07% 9.80% 12.87% Cost Income Ratio 62.24 66.22 77.18 64.50 64.14 59.06 58.95 56.92 48.11 43.42 Core Cost Income Ratio 63.32 66.70 78.66 67.93 65.04 62.21 59.79 59.64 50.41 45.03 Operating Costs to Assets 2.43 2.50 2.75 2.39 2.51 2.44 2.21 2.09 1.93 1.86 Loans/Deposits 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.03 0.04 Cash/Deposits 0.05 0.06 0.07 0.03 0.03 0.05 0.05 0.05 0.05 0.04 Investment/Deposits 0.26 0.29 0.29 0.29 0.24 0.26 0.24 0.29 0.29 0.35 Inc Loan/Deposits 2.14% 2.37% 2.07% 1.86% 2.07% 2.93% 2.04% 1.76% 3.23% 3.56% Credit Deposits 69.57% 67.43% 61.37% 61.86% 65.86% 73.93% 71.14% 68.75% 72.33% 67.80% Interest Expended / Interest earned 53.59% 49.28% 51.19% 53.51% 56.11% 55.91% 56.64% 62.43% 60.40% 62.46% Interest income / Total funds 7.26% 6.41% 6.14% 6.74% 7.76% 7.57% 7.38% 8.15% 8.53% 9.30% Interest Expended / Total funds 3.89% 3.16% 3.14% 3.61% 4.35% 4.23% 4.18% 5.09% 5.15% 5.81% CASA 50.51% 54.10% 56.56% 56.84% 53.66% 50.70% 50.89% 51.70% 44.13% 41.79%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 99.20 83.52 75.40 81.71 74.99 108.03 99.44 96.64 132.45 126.00 NIM 3.80 3.77 3.46 3.52 3.81 3.55 3.42 3.29 3.68 3.73 Yield on Advances 11.96 11.37 11.38 12.13 13.12 11.58 11.63 13.42 13.63 15.84 Yield on Investments 6.66 6.10 5.33 6.44 7.35 7.55 7.79 9.02 8.82 8.15 Cost of Liabilities 4.36 3.69 3.50 3.94 4.75 4.65 4.59 5.66 5.77 6.48 Interest Spread 7.60 7.68 7.88 8.19 8.37 6.93 7.04 7.76 7.86 9.36 ROCE 19.45% 17.59% 9.82% 8.58% -10.24% 10.94% 3.52% -18.09% 9.78% 12.87% Cost Income Ratio 62.26 66.25 77.14 64.48 64.87 59.14 59.02 57.02 48.27 43.55 Core Cost Income Ratio 63.35 66.72 78.62 67.90 65.79 62.29 59.87 59.74 50.58 45.16 Operating Costs to Assets 2.44 2.50 2.76 2.40 2.51 2.45 2.22 2.09 1.94 1.87 Loans/Deposits 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.03 0.04 Cash/Deposits 0.05 0.06 0.07 0.03 0.03 0.05 0.05 0.05 0.05 0.04 Investment/Deposits 0.26 0.28 0.29 0.28 0.24 0.26 0.24 0.29 0.29 0.35 Inc Loan/Deposits 2.14% 2.37% 2.07% 1.87% 2.07% 2.93% 2.04% 1.76% 3.23% 3.56% Credit Deposits 69.57% 67.43% 61.37% 61.86% 65.86% 73.93% 71.14% 68.75% 72.35% 67.83% Interest Expended / Interest earned 53.58% 49.27% 51.18% 53.51% 56.11% 55.91% 56.64% 62.42% 60.38% 62.43% Interest income / Total funds 7.26% 6.41% 6.14% 6.74% 7.76% 7.57% 7.38% 8.15% 8.53% 9.30% Interest Expended / Total funds 3.89% 3.16% 3.14% 3.61% 4.35% 4.23% 4.18% 5.09% 5.15% 5.81% CASA 50.51% 54.10% 56.56% 56.84% 53.65% 50.70% 50.89% 51.70% 44.13% 41.80%