Consolidated Financial Highlights

Consolidated Financial Highlights 2018-2019

(₹ in crore)
FINANCIAL HIGHLIGHTS  FY 2015 FY 2016  FY 2017  FY 2018  FY 2019
Advances 88,632 144,793 167,125 205,997 243,462
Investments*$ 31,910 55,304 49,974 68,741 76,858
Total Assets 148,576 240,804 276,188 337,720 395,171
Net Profit 3,045 3,459 4,940 6,201 7,204
KEY FINANCIAL INDICATORS
Net Interest Margin (NIM) 4.9% 4.4% 4.5% 4.3% 4.3%
Return on Average Assets (RoAA) 2.3% 1.6% 2.0% 2.0% 2.0%
Book Value Per Share (₹) 143 182 209 265 303
Earnings Per Share (EPS) Face Value ₹ 5 per share^ 19.7 18.9 26.9 32.7 37.7
Return on Equity (RoE) 14.8% 11.0% 13.8% 13.5% 13.3%
Capital Adequacy Ratio 17.6% 17.0% 17.2% 18.4% 17.9%
Gross NPA (₹ crore) 1,392 3,017 3,804 4,071 4,789
Net NPA (₹ crore) 697 1,353 1,814 1,769 1,696
Gross NPA Ratio 1.6% 2.1% 2.2% 2.0% 1.9%
Net NPA Ratio 0.8% 0.9% 1.1% 0.9% 0.7%

*Excludes Policyholders’ investments

$Deposits placed with NABARD, SIDBI and NHB on account of shortfall in lending to priority sector reclassified to “Other Assets” from “Investments” pursuant RBI guidelines. Accordingly, numbers for FY2015 have been regrouped.

^FY2015 have been adjusted for 1:1 bonus done in July, 2015.

MARKET RELATED RATIOS  FY 2015 FY 2016  FY 2017  FY 2018  FY 2019
Market Price (₹) # 657 681 872 1,048 1,335
Market Capitalisation (₹ crore) 101,429 124,857 160,563 199,674 254,723
Price to Book Ratio 4.6 3.7 4.2 4.0 4.4
Price to Earnings Ratio 33.3 36.1 32.5 32.1 35.4

#FY2015 have been adjusted for 1:1 bonus done in July, 2015.