Equity Analysis

Particulars	Dec 2023	Sep 2023	Jun 2023
Operating Income	1292.20	1246.94	1170.03
Total Income	1295.23	1247.59	1170.72
Interest	441.50	423.87	384.92
Employee Expenses	156.71	161.76	156.32
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	82.11	84.89	75.82
TOTAL OPERATING EXPENDITURE	680.32	670.52	617.06
Operating Profit Before Prov. & Cont.	614.91	577.07	553.66
Provisions & Write Offs	126.20	95.85	76.40
Depreciation	13.06	12.28	12.06
TOTAL EXPENDITURE	819.58	778.65	705.52
Tax	148.37	132.92	112.27
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-26.14	-13.19	6.64
Reported Profit After Tax	353.42	349.21	346.29
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	353.42	349.21	346.29
EPS (Unit Curr.)	22.21	21.95	21.79
EPS (Adj) (Unit Curr.)	22.21	21.95	21.79
Calculated EPS (Unit Curr.)	22.20	21.95	21.79
Calculated EPS (Adj) (Unit Curr.)	22.20	21.95	21.79
Calculated EPS (Ann.) (Unit Curr.)	88.81	87.79	87.16
Calculated EPS (Adj) (Ann.) (Unit Curr.)	88.81	87.79	87.16
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	159.18	159.11	158.93
Reserve & Surplus	0.00	0.00	0.00
Face Value	10.00	10.00	10.00
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(%)	71.99	72.58	73.69
PBDTM(%)	37.82	38.59	40.79
PATM(%)	27.35	28.01	29.60
Net Interest Income	0.00	0.00	0.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	0.00	0.00	0.00
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	0.00	30.80
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(%)	0.00	69.31	69.59
Capital Adequacy Ratio	0.00	25.01	24.45
Tier I Capital	0.00	24.10	23.50
Tier II Capital	0.00	0.91	0.95
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.00	0.77	0.89
(%) Net Non Performing Assets	0.00	0.24	0.27
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	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	22.06	21.82	21.67