Equity Analysis

Particulars	Dec 2023	Sep 2023	Jun 2023
Operating Income	11853.00	11175.03	10441.93
Total Income	12103.62	11409.98	10665.69
Interest	3618.32	3351.26	3013.06
Employee Expenses	1527.22	1452.45	1366.31
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	1257.35	1211.70	1149.88
TOTAL OPERATING EXPENDITURE	6402.89	6015.41	5529.25
Operating Profit Before Prov. & Cont.	5700.73	5394.57	5136.44
Provisions & Write Offs	1247.52	1058.55	988.61
Depreciation	161.91	145.21	143.32
TOTAL EXPENDITURE	7812.32	7219.17	6661.18
Tax	1097.00	1068.50	1129.50
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	16.91	16.56	-84.05
Reported Profit After Tax	3177.39	3105.75	2959.06
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	3177.39	3105.75	2959.06
EPS (Unit Curr.)	51.89	51.32	48.93
EPS (Adj) (Unit Curr.)	51.89	51.32	48.93
Calculated EPS (Unit Curr.)	51.44	51.31	48.90
Calculated EPS (Adj) (Unit Curr.)	51.44	51.31	48.90
Calculated EPS (Ann.) (Unit Curr.)	205.76	205.24	195.59
Calculated EPS (Adj) (Ann.) (Unit Curr.)	205.76	205.24	195.59
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	123.54	121.06	121.03
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(%)	68.10	68.79	68.58
PBDTM(%)	37.57	38.80	39.72
PATM(%)	26.81	27.79	28.34
Net Interest Income	6973.00	8059.00	7653.00
Operating Expenses	2946.00	2809.00	2659.00
Loan Losses & Provision	1248.00	1059.00	989.00
Assets Under Management	232040.00	214891.00	199579.00
Return on Equity(%)	20.41	22.44	22.31
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	0.00	0.00	0.00
Provision Coverage Ratio(%)	62.00	66.00	65.00
Capital Adequacy Ratio	23.87	23.19	24.61
Tier I Capital	22.80	21.90	23.01
Tier II Capital	1.07	1.29	1.60
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	1.18	1.14	1.09
(%) Net Non Performing Assets	0.46	0.39	0.39
Return on Assets(Annualised)	0.00	5.16	6.28
Return on Assets	5.73	0.00	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)	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	51.69	51.13	48.73