Punjab National Bank, 532461, PNB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,10,780.48
7.66
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,18,040.97
1.56%
0.94

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-20.73
-53.31
-52.71

EBITDA CAGR (%)

10 Years
5 Years
3 Years

9.92
92.05
31.64

PAT CAGR (%)

10 Years
5 Years
3 Years

0.66
0.78

P:E (Median)

8 Years
5 Years
3 Years

11.69
13.94
15.12

P:BV (Average)

8 Years
5 Years
3 Years

0.69
0.66
0.78

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.78
3.19
3.28

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%
Net Interest Income 10,516.69 9,922.92 5.98% 10,476.25 9,504.25 10.23% 10,363.11 9,498.75 9.10% 10,292.79 9,179.36 12.13%
NIM 0.00 3.24 -100.00% 3.21 3.21 0.00% 3.25 3.38 -3.85% 3.30 3.30 0.00%
Other Income 4,572.09 3,028.28 50.98% 3,609.52 3,433.81 5.12% 4,247.61 3,420.34 24.19% 2,673.84 3,337.96 -19.90%
Total Income 34,447.10 29,383.20 17.23% 32,165.95 28,579.27 12.55% 32,361.04 27,268.95 18.67% 29,961.65 25,722.40 16.48%
Operating Exp. 8,235.47 6,734.77 22.28% 7,504.61 6,970.07 7.67% 8,195.04 7,052.66 16.20% 6,635.92 6,801.42 -2.43%
Operating Profit 6,853.31 6,216.43 10.25% 6,581.16 5,967.99 10.27% 6,415.68 5,866.43 9.36% 6,330.71 5,715.90 10.76%
Provision 288.01 3,444.18 -91.64% 1,312.32 3,965.26 -66.90% 1,588.05 3,830.58 -58.54% 2,739.11 4,713.34 -41.89%
PBT 6,565.30 2,772.25 136.82% 5,268.84 2,002.73 163.08% 4,827.63 2,035.85 137.13% 3,591.60 1,002.56 258.24%
PBTM 21.98 10.52 108.94% 18.45 7.96 131.78% 17.17 8.54 101.05% 13.16 4.48 193.75%
TAX 2,261.84 1,016.12 122.60% 2,017.31 747.32 169.94% 1,817.36 877.24 107.17% 1,368.79 373.68 266.30%
PAT 4,303.46 1,756.13 145.05% 3,251.53 1,255.41 159.00% 3,010.27 1,158.61 159.82% 2,222.81 628.88 253.46%
PATM 14.40% 6.66% 11.39% 4.99% 10.71% 4.86% 8.15% 2.81%
EPS 3.74 1.59 135.22% 2.95 1.14 158.77% 2.73 1.05 160.00% 2.02 0.57 254.39%
Gross NPA 47,582.25 65,563.12 -27.43% 51,262.78 70,899.34 -27.70% 56,343.05 77,327.67 -27.14% 60,371.38 83,583.87 -27.77%
Gross NPA% 4.48 6.96 -35.63% 4.98 7.73 -35.58% 5.73 8.74 -34.44% 6.24 9.76 -36.07%
Net NPA 4,674.24 13,114.12 -64.36% 5,930.06 17,129.47 -65.38% 6,798.77 22,585.04 -69.90% 8,815.88 26,363.13 -66.56%
Net NPA% 0.46 1.47 -68.71% 0.60 1.98 -69.70% 0.73 2.72 -73.16% 0.96 3.30 -70.91%
CASA 0.00 42.15 -100.00% 40.08 41.90 -4.34% 41.44 43.00 -3.63% 42.47 43.72 -2.86%
Interest Earned 29,875.01 26,354.92 13.36% 28,556.43 25,145.46 13.56% 28,113.43 23,848.61 17.88% 27,287.81 22,384.44 21.91%
Interest Exp. 19,358.32 16,432.00 17.81% 18,080.18 15,641.21 15.59% 17,750.32 14,349.86 23.70% 16,995.02 13,205.08 28.70%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 30,447.42 26,857.70 13.37% 29,144.54 25,672.85 13.52% 28,682.32 24,305.34 18.01% 27,851.71 22,808.28 22.11%
Interest Exp. 19,790.35 16,819.84 17.66% 18,536.31 16,064.38 15.39% 18,205.92 14,689.55 23.94% 17,444.02 13,512.57 29.09%
Net Interest Income 10,657.07 10,037.86 6.17% 10,608.23 9,608.47 10.40% 10,476.40 9,615.79 8.95% 10,407.69 9,295.71 11.96%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 4,664.05 2,999.35 55.50% 3,615.35 3,360.26 7.59% 4,294.15 3,826.89 12.21% 2,675.67 3,325.25 -19.53%
Total Income 35,111.47 29,857.05 17.60% 32,759.89 29,033.11 12.84% 32,976.47 28,132.23 17.22% 30,527.38 26,133.53 16.81%
Operating Exp. 8,312.32 6,798.15 22.27% 7,569.95 7,034.52 7.61% 8,270.94 7,104.81 16.41% 6,705.37 6,859.06 -2.24%
Operating Profit 7,008.80 6,239.06 12.34% 6,653.63 5,934.21 12.12% 6,499.61 6,337.87 2.55% 6,377.99 5,761.90 10.69%
Provision 280.16 3,460.77 -91.90% 902.56 3,955.02 -77.18% 1,559.74 3,708.18 -57.94% 2,743.63 4,718.67 -41.86%
PBT 6,728.64 2,778.29 142.19% 5,751.07 1,979.19 190.58% 4,939.87 2,629.69 87.85% 3,634.36 1,043.23 248.38%
PBTM 22.10 10.34 113.73% 19.73 7.71 155.90% 17.22 10.82 59.15% 13.05 4.57 185.56%
TAX 2,296.65 1,013.75 126.55% 2,034.90 768.37 164.83% 1,838.99 888.58 106.96% 1,381.69 383.17 260.59%
PAT 4,431.99 1,764.54 151.17% 3,716.17 1,210.82 206.91% 3,100.88 1,741.11 78.10% 2,252.67 660.06 241.28%
PATM 14.56% 6.57% 12.75% 4.72% 10.81% 7.16% 8.09% 2.89%
EPS 3.86 1.54 150.65% 3.23 1.05 207.62% 2.70 1.51 78.81% 1.96 0.57 243.86%
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 41,648.84 40,083.07 34,491.64 28,694.46 30,545.61 17,437.79 17,156.31 14,922.41 14,993.17 15,311.78 16,555.57 Interest Earned 1,13,832.68 1,06,901.62 85,144.11 74,879.54 80,818.40 53,800.03 51,310.25 47,995.77 47,275.99 47,424.35 46,315.36 Interest Expended 72,183.84 66,818.55 50,652.47 46,185.08 50,272.79 36,362.24 34,153.94 33,073.36 32,282.82 32,112.57 29,759.79 Int. income Growth 9.30% 16.21% 20.20% -6.06% 75.17% 1.64% 14.97% -0.47% -2.08% -7.51% Other Income 15,103.06 13,383.54 12,142.53 12,319.96 11,922.31 9,274.13 7,377.41 8,880.87 8,951.37 6,000.05 5,890.73 Total Income 1,28,935.74 53,466.61 46,634.17 41,014.42 42,467.92 26,711.92 24,533.72 23,803.28 23,944.54 21,311.83 22,446.30 Total Expenditure 30,571.04 39,377.15 41,449.35 35,809.41 38,013.61 25,365.26 39,301.47 42,802.19 21,507.96 26,653.99 18,118.82 Employee Cost - 18,486.31 14,810.01 11,841.01 12,175.74 6,961.68 6,963.16 9,168.80 5,420.72 6,425.95 7,336.91 % Of Sales - 17.29% 17.39% 15.81% 15.07% 12.94% 13.57% 19.10% 11.47% 13.55% 15.84% Opt. & Establishment Exp. - 10,944.74 10,191.97 9,300.19 9,107.93 5,619.38 5,153.34 4,916.45 4,383.70 3,942.24 3,524.87 % Of Sales - 10.24% 11.97% 12.42% 11.27% 10.44% 10.04% 10.24% 9.27% 8.31% 7.61% Provisions - 11,736.60 18,240.49 16,445.43 18,679.78 13,999.56 28,341.01 29,869.28 12,553.62 17,077.26 7,997.50 % Of Sales - 10.98% 21.42% 21.96% 23.11% 26.02% 55.23% 62.23% 26.55% 36.01% 17.27% EBITDA 26,180.86 14,089.46 5,184.82 5,205.01 4,454.31 1,346.66 -14,767.75 -18,998.91 2,436.58 -5,342.16 4,327.48 EBITDA Margin 73.14% 35.15% 15.03% 18.14% 14.58% 7.72% -86.08% -127.32% 16.25% -34.89% 26.14% Depreciation 0.00 895.25 896.56 888.61 974.92 607.68 578.02 576.17 425.04 395.73 370.23 PBT 20,253.37 13,194.21 4,288.26 4,316.39 3,479.40 738.98 -15,345.77 -19,575.08 2,011.54 -5,737.89 3,957.25 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 7,465.30 4,949.59 1,781.06 859.43 1,457.78 402.79 -5,370.28 -7,292.26 686.74 -1,763.49 895.67 Tax Rate 36.86% 37.51% 41.53% 19.91% 41.90% 54.51% 35.00% 37.25% 34.14% 30.73% 22.63% PAT 12,788.07 8,244.62 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 PAT before Minority Interest 12,788.07 8,244.62 2,507.20 3,456.96 2,021.62 336.19 -9,975.49 -12,282.82 1,324.80 -3,974.40 3,061.58 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 22.53% 15.42% 5.38% 8.43% 4.76% 1.26% -40.66% -51.60% 5.53% -18.65% 13.64% PAT Growth 166.47% 228.84% -27.47% 71.00% 501.33% 0 0 -1027.15% 0 -229.82% EPS 11.13 7.17 2.18 3.01 1.76 0.29 -8.68 -10.69 1.15 -3.46 2.66

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 42,149.39 40,530.42 35,028.30 29,418.75 31,130.45 17,921.01 17,491.47 15,194.46 15,335.77 16,473.28 17,366.77 Interest Earned 1,16,125.99 1,09,064.58 86,845.29 76,241.83 81,935.03 54,918.48 52,147.13 48,724.85 48,058.08 50,803.87 48,709.82 Interest Expended 73,976.60 68,534.16 51,816.99 46,823.08 50,804.58 36,997.47 34,655.66 33,530.39 32,722.31 34,330.59 31,343.05 Int. income Growth 9.31% 15.71% 19.07% -5.50% 73.71% 2.46% 15.12% -0.92% -6.91% -5.14% Other Income 15,249.22 13,329.43 12,239.59 12,097.66 12,234.91 9,387.65 7,367.40 8,883.34 9,167.58 6,099.63 6,174.60 Total Income 1,31,375.21 53,859.85 47,267.89 41,516.41 43,365.36 27,308.66 24,858.87 24,077.80 24,503.35 22,572.91 23,541.37 Total Expenditure 30,858.58 39,622.54 41,501.60 36,025.78 38,600.78 25,867.21 39,644.66 43,345.47 22,532.81 27,452.88 18,760.30 Employee Cost - 18,643.24 14,942.59 11,971.93 12,296.72 7,060.02 7,047.54 9,242.37 5,482.33 6,564.49 7,469.12 % Of Sales - 17.09% 17.21% 15.70% 15.01% 12.86% 13.51% 18.97% 11.41% 12.92% 15.33% Opt. & Establishment Exp. - 11,071.34 10,297.96 9,415.01 9,201.28 5,704.91 5,225.73 4,981.25 4,471.66 4,198.54 3,723.86 % Of Sales - 10.15% 11.86% 12.35% 11.23% 10.39% 10.02% 10.22% 9.30% 8.26% 7.64% Provisions - 11,719.16 18,070.79 16,431.18 19,067.24 14,331.16 28,539.41 30,283.91 13,439.70 17,516.15 8,335.30 % Of Sales - 10.75% 20.81% 21.55% 23.27% 26.10% 54.73% 62.15% 27.97% 34.48% 17.11% EBITDA 26,540.03 14,237.31 5,766.29 5,490.63 4,764.58 1,441.45 -14,785.79 -19,267.67 1,970.54 -4,879.97 4,781.07 EBITDA Margin 73.43% 35.13% 16.46% 18.66% 15.31% 8.04% -84.53% -126.81% 12.85% -29.62% 27.53% Depreciation 0.00 905.60 904.87 896.17 982.23 614.44 584.01 581.03 430.44 413.15 383.99 PBT 21,053.94 13,331.71 4,861.42 4,594.46 3,782.35 827.00 -15,369.80 -19,848.70 1,540.10 -5,293.12 4,397.08 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 7,552.23 5,002.80 1,792.08 918.50 1,629.93 463.67 -5,343.39 -7,264.36 638.97 -1,629.85 1,055.67 Tax Rate 35.87% 37.53% 36.86% 19.99% 43.09% 56.07% 34.77% 36.60% 41.49% 30.79% 24.01% PAT 13,432.01 8,278.96 3,059.01 3,629.11 2,019.80 316.85 -10,046.50 -12,586.44 849.15 -3,842.96 3,215.57 PAT before Minority Interest 13,501.71 8,328.91 3,069.34 3,675.96 2,152.42 363.33 -10,026.41 -12,584.34 901.13 -3,663.27 3,341.41 Minority Interest -69.70 -49.95 -10.33 -46.85 -132.62 -46.48 -20.09 -2.10 -51.98 -179.69 -125.84 PAT Margin 23.40% 15.37% 6.47% 8.74% 4.66% 1.16% -40.41% -52.27% 3.47% -17.02% 13.66% PAT Growth 151.12% 170.64% -15.71% 79.68% 537.46% 0 0 -1582.24% 0 -219.51% EPS 11.75 7.20 2.66 3.16 1.76 0.28 -8.74 -10.95 0.74 -3.34 2.80

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 1,06,476.57 99,855.66 95,486.90 90,937.31 62,357.49 44,787.12 41,074.31 42,097.46 38,310.14 39,079.52 Share Capital 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 370.91 Total Reserves 1,04,274.37 97,653.46 93,284.69 88,841.77 61,009.97 43,866.32 40,522.19 41,671.87 37,917.42 38,708.61 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 13,69,712.81 12,81,163.10 11,46,218.45 11,06,332.47 7,03,846.32 6,76,030.14 6,42,226.19 6,21,704.02 5,53,051.13 5,01,378.64 Borrowings 50,429.85 51,291.73 45,681.41 42,840.31 50,225.43 39,325.92 60,850.75 40,763.34 59,755.24 45,670.55 Other Liabilities & Provisions 35,215.77 29,520.87 27,418.27 20,522.52 14,236.68 14,806.29 21,678.86 15,765.73 16,273.94 17,204.89 Total Liabilities 15,61,835.00 14,61,831.36 13,14,805.03 12,60,632.61 8,30,665.92 7,74,949.47 7,65,830.11 7,20,330.55 6,67,390.45 6,03,333.60 Net Block 12,318.77 12,051.07 10,673.61 11,020.90 7,264.31 6,250.09 6,374.57 6,298.49 5,247.97 3,576.71 Gross Block 24,313.17 23,151.01 20,877.00 20,335.67 12,304.85 10,887.02 10,625.12 10,027.45 8,592.86 6,702.92 Accumulated Depreciation 11,994.40 11,099.94 10,203.38 9,314.78 5,040.55 4,636.93 4,250.56 3,728.96 3,344.89 3,126.20 Total Non-Current Assets 14,96,172.15 13,93,990.58 12,43,673.83 11,89,583.94 7,95,525.46 7,41,890.31 7,35,852.03 7,00,823.49 6,51,017.51 5,89,897.00 Lease Adjustment A/c 0.00 0.00 0.00 0.00 -25.24 -25.24 -25.24 -25.24 -25.24 -25.24 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 65,032.91 78,176.58 85,736.12 43,958.83 38,397.85 32,129.13 28,789.03 25,210.00 26,479.07 24,224.94 Balance with banks and money at call 64,071.67 76,932.23 46,910.66 67,390.88 37,595.18 43,158.91 66,672.97 63,121.65 49,144.02 31,709.23 Investments 4,20,318.21 3,95,996.72 3,72,167.76 3,92,983.25 2,40,465.64 2,02,128.22 2,00,305.98 1,86,725.44 1,57,845.89 1,49,876.95 Advances 9,34,430.59 8,30,833.98 7,28,185.68 6,74,230.08 4,71,827.72 4,58,249.20 4,33,734.72 4,19,493.15 4,12,325.80 3,80,534.41 Other Assets 65,662.85 67,840.78 71,131.20 71,048.68 35,140.45 33,059.15 29,978.07 19,507.06 16,372.94 13,436.59 Total Assets 15,61,835.00 14,61,831.36 13,14,805.03 12,60,632.62 8,30,665.91 7,74,949.46 7,65,830.10 7,20,330.55 6,67,390.45 6,03,333.59 Contingent Liabilities 2,23,523.69 6,44,471.88 6,05,180.05 3,83,279.78 2,10,800.74 3,05,400.13 3,04,127.70 3,32,831.33 3,35,795.92 2,73,945.38 Bills for collection 36,019.12 34,377.60 37,786.05 40,491.16 28,049.91 27,335.90 27,858.61 25,779.13 23,221.19 19,640.62 Adjusted Book Value 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61 203.24

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,10,386.73 1,02,880.50 97,581.92 92,534.34 63,876.37 46,084.36 41,517.30 43,415.34 41,804.25 42,039.44 Share Capital 2,202.20 2,202.20 2,202.20 2,095.54 1,347.51 920.81 552.11 425.59 392.72 370.91 Total Reserves 1,08,184.53 1,00,678.30 95,379.72 90,438.80 62,528.86 45,163.55 40,965.19 42,989.75 41,411.53 41,668.53 Minority Interest 560.77 459.38 473.46 486.79 360.69 287.70 308.53 780.63 728.65 548.95 Deposits 13,79,225.24 12,90,347.07 11,54,234.46 11,13,716.86 7,10,254.37 6,81,874.18 6,48,439.01 6,29,650.86 5,70,382.64 5,15,245.43 Borrowings 72,585.62 70,148.62 59,371.67 52,298.14 62,512.41 46,827.97 65,329.66 43,336.01 81,673.74 59,204.76 Other Liabilities & Provisions 35,877.60 29,813.37 27,639.62 20,688.92 14,453.41 15,045.51 21,933.57 16,128.07 18,203.68 18,972.59 Total Liabilities 15,98,635.96 14,93,648.94 13,39,301.13 12,79,725.05 8,51,457.25 7,90,119.72 7,77,528.07 7,33,310.91 7,12,792.96 6,36,011.17 Net Block 12,347.84 12,083.96 10,696.21 11,048.70 7,261.98 6,246.22 6,370.99 6,297.76 5,308.12 3,655.77 Gross Block 24,443.89 23,273.33 20,982.82 20,441.02 12,402.65 10,975.65 10,670.94 10,072.46 8,754.00 6,887.30 Accumulated Depreciation 12,096.05 11,189.37 10,286.61 9,392.32 5,140.67 4,729.43 4,299.95 3,774.70 3,445.88 3,231.53 Total Non-Current Assets 15,31,931.77 14,23,785.26 12,67,241.74 12,08,097.86 8,15,653.54 7,56,536.74 7,47,103.60 7,13,434.50 6,95,567.01 6,23,290.71 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 65,325.13 78,213.52 86,127.84 44,267.27 38,603.79 32,338.32 29,028.91 25,410.36 26,492.19 24,435.78 Balance with banks and money at call 66,075.06 79,114.96 48,066.04 69,067.16 39,151.96 44,957.65 68,459.24 65,968.73 52,557.19 33,823.44 Investments 4,46,421.27 4,16,913.84 3,88,585.82 4,04,368.96 2,53,782.47 2,10,578.32 2,04,418.68 1,91,527.16 1,65,126.48 1,56,761.66 Advances 9,41,762.47 8,37,458.98 7,33,765.83 6,79,345.77 4,76,853.34 4,62,416.23 4,38,825.78 4,24,230.49 4,46,083.03 4,04,614.06 Other Assets 66,704.19 69,863.68 72,059.39 71,627.19 35,803.70 33,582.98 30,424.47 19,876.41 17,225.95 12,720.46 Total Assets 15,98,635.96 14,93,648.94 13,39,301.13 12,79,725.05 8,51,457.24 7,90,119.72 7,77,528.07 7,33,310.91 7,12,792.96 6,36,011.17 Contingent Liabilities 2,24,540.02 6,45,263.22 6,06,685.43 3,85,387.96 2,13,299.33 3,07,895.89 3,08,790.20 3,38,851.04 3,39,168.05 2,82,956.16 Bills for collection 36,019.12 34,377.60 37,786.05 40,493.76 28,052.60 27,866.28 27,898.25 25,805.94 23,255.66 19,640.62 Adjusted Book Value 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41 219.18

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 -27,894.60 21,779.97 20,463.62 1,192.13 -12,612.60 -30,892.51 1,011.69 12,497.05 17,045.37 5,618.67 PBT 13,194.21 4,288.27 4,316.40 3,479.40 738.98 -15,345.76 -19,575.08 2,011.54 -5,737.88 3,957.25 Adjustment 16,076.13 23,648.58 19,711.15 22,342.14 15,648.52 31,048.20 32,173.78 14,587.49 19,965.91 9,562.31 Adjustments for Liabilities & Assets -55,340.32 -4,984.68 -2,013.52 -24,473.10 -26,876.76 -46,182.26 -9,834.39 -2,713.97 4,289.49 -5,541.91 Refund/(Payment) of direct taxes -1,824.61 -1,172.20 -1,550.41 -156.31 -2,123.33 -412.69 -1,752.62 -1,388.01 -1,472.15 -2,358.98 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 -1,539.34 -682.24 -1,207.35 -839.17 -239.48 -260.37 -1,288.01 -527.18 -782.74 -848.67 Net Fixed Assets -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 -462.02 Other Investment Activity -24995.41 -24358.36 -21716.17 -20575.15 -12565.22 -12175.03 -11152.30 -10810.19 -9441.53 -7337.32 Cash from Financing Activity 3,429.71 1,364.30 2,040.80 5,292.89 13,557.07 10,978.92 7,406.67 738.69 856.29 5,945.72 Closing Cash & Equivalent 1,29,104.58 1,55,108.81 1,32,646.77 1,11,349.70 75,993.03 75,288.04 95,462.00 88,331.65 75,623.09 55,934.17 Net Cash Inflow / Outflow -26,004.23 22,462.04 21,297.07 5,645.85 704.99 -20,173.96 7,130.36 12,708.56 17,118.92 10,715.73 Opening Cash & Equivalents 1,55,108.81 1,32,646.77 1,11,349.70 1,05,703.85 75,288.04 95,462.00 88,331.65 75,623.09 58,504.17 45,218.45

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 -27,939.44 22,592.09 20,032.33 1,239.53 -12,793.04 -33,531.96 -1,742.13 21,938.03 14,167.00 4,813.60 PBT 14,110.00 5,140.53 4,779.30 4,194.00 902.13 -14,888.37 -19,373.08 1,878.18 -5,113.64 4,596.27 Adjustment 15,450.20 22,945.12 19,752.86 22,357.19 15,959.87 28,468.09 27,678.15 15,392.31 20,471.45 9,966.59 Adjustments for Liabilities & Assets -55,624.93 -4,289.40 -2,870.71 -24,997.34 -27,456.94 -47,081.88 -8,265.22 6,084.88 380.70 -7,192.92 Refund/(Payment) of direct taxes -1,874.71 -1,204.16 -1,629.12 -314.32 -2,198.10 -29.80 -1,781.98 -1,417.34 -1,571.51 -2,556.34 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 -1,506.42 -732.47 -1,204.38 -786.84 -338.33 -629.17 391.65 158.75 -1,351.51 -871.80 Net Fixed Assets -1162.16 -2274.01 -541.33 -8030.82 -1417.83 -261.90 -597.67 -1434.59 -1889.94 -462.02 Other Investment Activity -25045.64 -24355.39 -21663.84 -20674.00 -12934.02 -10495.37 -10466.37 -11378.96 -9464.66 -7004.92 Cash from Financing Activity 3,517.57 1,274.98 2,031.50 5,415.17 13,591.15 13,968.95 7,459.54 -9,767.07 5,974.67 7,451.43 Closing Cash & Equivalent 1,31,400.19 1,57,328.48 1,34,193.88 1,13,334.43 77,755.75 77,295.97 97,488.15 91,379.09 77,049.38 58,259.22 Net Cash Inflow / Outflow -25,928.29 23,134.60 20,859.45 5,867.86 459.78 -20,192.18 6,109.06 12,329.71 18,790.16 11,393.23 Opening Cash & Equivalents 1,57,328.48 1,34,193.88 1,13,334.43 77,755.75 77,295.97 97,488.15 91,379.09 79,049.38 58,259.22 46,865.99

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 89.16 83.01 80.32 79.92 85.49 89.50 135.44 180.20 180.61 203.24 NIM 2.70 2.50 2.33 2.59 2.21 2.33 2.05 2.16 2.37 2.82 Yield on Advances 11.44 10.25 10.28 11.99 11.40 11.20 11.07 11.27 11.50 12.17 Yield on Investments 6.90 6.61 7.16 7.38 7.05 7.52 8.59 8.16 8.26 7.75 Cost of Liabilities 4.71 3.80 3.87 4.37 4.82 4.77 4.70 4.87 5.24 5.44 Interest Spread 6.74 6.45 6.41 7.61 6.58 6.42 6.36 6.40 6.26 6.73 ROCE 11.49% 5.54% 5.28% 5.36% 2.77% -14.42% -18.35% 4.82% -3.75% 7.23% Cost Income Ratio 53.37 51.69 49.38 47.82 44.82 47.03 56.75 39.17 46.79 46.74 Core Cost Income Ratio 54.07 50.46 53.19 52.16 47.74 49.22 65.75 44.05 49.10 48.97 Operating Costs to Assets 1.83 1.65 1.54 1.61 1.44 1.49 1.76 1.30 1.49 1.74 Loans/Deposits 0.04 0.04 0.04 0.04 0.07 0.06 0.09 0.07 0.11 0.09 Cash/Deposits 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 0.05 Investment/Deposits 0.31 0.31 0.32 0.36 0.34 0.30 0.31 0.30 0.29 0.30 Inc Loan/Deposits 3.68% 4.00% 3.99% 3.87% 7.14% 5.82% 9.47% 6.56% 10.80% 9.11% Credit Deposits 68.22% 64.85% 63.53% 60.94% 67.04% 67.79% 67.54% 67.47% 74.55% 75.90% Interest Expended / Interest earned 62.50% 59.49% 61.68% 62.20% 67.59% 66.56% 68.91% 68.29% 67.71% 64.25% Interest income / Total funds 6.84% 5.82% 5.70% 6.41% 6.48% 6.62% 6.27% 6.56% 7.11% 7.68% Interest Expended / Total funds 4.28% 3.46% 3.51% 3.99% 4.38% 4.41% 4.32% 4.48% 4.81% 4.93% CASA 40.34% 41.99% 46.56% 44.54% 42.97% 42.16% 40.99% 41.82% 37.17% 36.66%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 92.71 85.76 82.22 81.44 87.74 92.31 137.05 186.13 198.41 219.18 NIM 2.67 2.48 2.34 2.60 2.22 2.33 2.05 2.17 2.39 2.80 Yield on Advances 11.58 10.37 10.39 12.06 11.52 11.28 11.10 11.33 11.39 12.04 Yield on Investments 6.82 6.52 7.04 7.43 7.02 7.45 8.43 8.05 8.19 7.76 Cost of Liabilities 4.72 3.81 3.86 4.36 4.79 4.76 4.70 4.86 5.26 5.46 Interest Spread 6.86 6.56 6.53 7.70 6.73 6.52 6.41 6.47 6.12 6.58 ROCE 10.82% 5.86% 5.34% 5.39% 3.04% -13.05% -17.46% 3.92% -1.39% 7.69% Cost Income Ratio 53.49 51.48 49.36 47.31 44.49 47.02 56.66 38.87 45.85 45.91 Core Cost Income Ratio 54.11 50.40 52.75 51.84 47.47 49.14 65.51 43.92 47.96 48.21 Operating Costs to Assets 1.80 1.63 1.53 1.60 1.43 1.48 1.75 1.30 1.45 1.70 Loans/Deposits 0.05 0.05 0.05 0.05 0.09 0.07 0.10 0.07 0.14 0.11 Cash/Deposits 0.05 0.06 0.07 0.04 0.05 0.05 0.04 0.04 0.05 0.05 Investment/Deposits 0.32 0.32 0.34 0.36 0.36 0.31 0.32 0.30 0.29 0.30 Inc Loan/Deposits 5.26% 5.44% 5.14% 4.70% 8.80% 6.87% 10.07% 6.88% 14.32% 11.49% Credit Deposits 68.28% 64.90% 63.57% 61.00% 67.14% 67.82% 67.67% 67.38% 78.21% 78.53% Interest Expended / Interest earned 62.84% 59.67% 61.41% 62.01% 67.37% 66.46% 68.82% 68.09% 67.57% 64.35% Interest income / Total funds 6.82% 5.81% 5.69% 6.40% 6.45% 6.60% 6.27% 6.55% 7.13% 7.66% Interest Expended / Total funds 4.29% 3.47% 3.50% 3.97% 4.35% 4.39% 4.31% 4.46% 4.82% 4.93% CASA 40.23% 41.92% 46.45% 44.45% 42.86% 42.15% 40.97% 41.66% 36.58% 36.03%