Continuing our growth journey
` Crore
| 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | |
| Interest income | 35,064.87 | 41,135.53 | 48,469.91 | 60,221.45 | 69,305.96 | 80,241.35 | 98,972.05 | 1,14,812.65 | 1,20,858.23 | 1,27,753.12 |
| Interest expense | 19,253.75 | 22,652.90 | 26,074.23 | 32,629.93 | 36,166.74 | 40,146.49 | 50,728.83 | 58,626.40 | 55,978.66 | 55,743.53 |
| Net interest income | 15,811.12 | 18,482.63 | 22,395.68 | 27,591.52 | 33,139.22 | 40,094.86 | 48,243.22 | 56,186.25 | 64,879.57 | 72,009.59 |
| Other income | 6,852.62 | 7,919.64 | 8,996.34 | 10,751.72 | 12,296.49 | 15,220.31 | 17,625.87 | 23,260.82 | 25,204.89 | 29,509.90 |
| Net revenues | 22,663.74 | 26,402.28 | 31,392.02 | 38,343.24 | 45,435.71 | 55,315.17 | 65,869.09 | 79,447.07 | 90,084.46 | 1,01,519.49 |
| Operating costs | 11,236.11 | 12,042.20 | 13,987.55 | 16,979.69 | 19,703.32 | 22,690.36 | 26,119.37 | 30,697.53 | 32,722.63 | 37,442.19 |
| Operating result | 11,427.63 | 14,360.08 | 17,404.47 | 21,363.55 | 25,732.39 | 32,624.81 | 39,749.72 | 48,749.54 | 57,361.83 | 64,077.30 |
| Provisions and contingencies : | 1,677.01 | 1,588.03 | 2,075.75 | 2,725.61 | 3,593.30 | 5,927.49 | 7,550.08 | 12,142.39 | 15,702.85 | 15,061.83 |
| Loan loss provisions | 1,234.21 | 1,632.58 | 1,723.58 | 2,133.63 | 3,145.30 | 4,910.43 | 6,394.11 | 9,083.32 | 11,450.19 | 10,119.38 |
| Others | 442.80 | (44.56) | 352.17 | 591.98 | 448.00 | 1,017.06 | 1,155.97 | 3,059.07 | 4,252.66 | 4,942.45 |
| Profit before tax | 9,750.62 | 12,772.05 | 15,328.72 | 18,637.94 | 22,139.09 | 26,697.32 | 32,199.64 | 36,607.15 | 41,658.98 | 49,015.47 |
| Provision for taxation | 3,024.34 | 4,293.67 | 5,112.80 | 6,341.71 | 7,589.43 | 9,210.57 | 11,121.50 | 10,349.84 | 10,542.46 | 12,054.12 |
| Profit after tax | 6,726.28 | 8,478.38 | 10,215.92 | 12,296.23 | 14,549.66 | 17,486.75 | 21,078.14 | 26,257.31 | 31,116.52 | 36,961.35 |
| Funds : | ||||||||||
| Deposits | 2,96,246.98 | 3,67,337.48 | 4,50,795.65 | 5,46,424.19 | 6,43,639.66 | 7,88,770.64 | 9,23,140.93 | 11,47,502.29 | 13,35,060.22 | 15,59,217.44 |
| Subordinated debt | 16,586.75 | 16,643.05 | 16,254.90 | 15,090.45 | 13,182.00 | 21,107.00 | 18,232.00 | 18,232.00 | 17,127.00 | 21,795.25 |
| Stockholders’ equity | 36,214.15 | 43,478.63 | 62,009.42 | 72,677.77 | 89,462.38 | 1,06,295.03 | 1,49,206.32 | 1,70,986.03 | 2,03,720.83 | 2,40,092.94 |
| Working funds | 4,21,327.31 | 4,91,599.50 | 5,95,695.13 | 7,40,796.07 | 8,63,840.19 | 10,63,934.32 | 12,44,540.69 | 15,30,511.26 | 17,46,870.52 | 20,68,535.05 |
| Loans | 2,39,720.64 | 3,03,000.27 | 3,65,495.04 | 4,64,593.96 | 5,54,568.20 | 6,58,333.09 | 8,19,401.22 | 9,93,702.88 | 11,32,836.63 | 13,68,820.93 |
| Investments | 1,11,303.21 | 1,00,111.88 | 1,56,833.82 | 1,95,836.29 | 2,14,463.34 | 2,42,200.24 | 2,93,116.07 | 3,91,826.66 | 4,43,728.29 | 4,55,535.69 |
| Key Ratios : | ||||||||||
| Earnings per share (`)1 | 14.24 | 17.74 | 21.08 | 24.42 | 28.59 | 33.88 | 39.33 | 48.01 | 56.58 | 66.80 |
| Return on equity | 20.07% | 20.88% | 20.36% | 17.97% | 18.04% | 18.22% | 16.30% | 16.76% | 16.60% | 16.90% |
| Tier 1 capital ratio | 11.08% | 11.77% | 13.66% | 13.22% | 12.79% | 13.25% | 15.78% | 17.23% | 17.56% | 17.87% |
| Total capital ratio | 16.80% | 16.07% | 16.79% | 15.53% | 14.55% | 14.82% | 17.11% | 18.52% | 18.79% | 18.90% |
| Dividend per share (`)1 | 2.75 | 3.43 | 4.00 | 4.75 | 5.50 | 6.50 | 7.50 | Nil 3 | 6.504 | 15.505 |
| Dividend payout ratio | 22.77% | 22.68% | 23.62% | 23.51% | 23.32% | 23.26% | 23.36% | NA 3 | 11.54%4 | 23.28%5 |
| Book value per share as at March 31 (`)1 |
76.10 | 90.62 | 123.70 | 143.74 | 174.56 | 204.80 | 273.94 | 311.83 | 369.54 | 432.95 |
| Market price per share as at March 31 (`)2 |
312.68 | 374.40 | 511.35 | 535.58 | 721.28 | 964.50 | 1,159.45 | 861.90 | 1,493.65 | 1,470.35 |
| Price to earnings ratio | 21.95 | 21.11 | 24.26 | 21.93 | 25.23 | 28.47 | 29.48 | 17.95 | 26.40 | 22.01 |
` 1 Cr = ` 10 Million
1 Figures for the years prior to 2019-2020 have been adjusted to reflect the effect of split of equity shares from nominal value of ` 2 each into two equity shares of nominal value of ` 1 each
2 Source : NSE (prices for years prior to 2019-2020 have been divided by two to reflect the sub-division of shares)
3 Basis RBI notifications dated April 17, 2020 and December 4, 2020
4 Basis RBI notification dated April 22, 2021
5 Proposed