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Market Closed -
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5-day change | 1st Jan Change | ||
| 49.21 USD | +0.04% |
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+0.96% | +1.03% |
| Fiscal Period: December | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 1.1 | 1.39 | 1.1 | 0.75 | 0.19 | |||||
Return On Equity % | 9.53 | 13.25 | 11.62 | 8.35 | 2.1 | |||||
Return on Common Equity | 9.53 | 13.25 | 11.62 | 8.35 | 2.1 | |||||
Shareholders Value Added | -69.93L | 45.9L | -9L | -1.07Cr | -2.52Cr | |||||
Margin Analysis | ||||||||||
SG&A Margin | 51.13 | 41.74 | 49.78 | 55.61 | 62.62 | |||||
Net Interest Income / Total Revenues % | 89.62 | 77.99 | 88.62 | 86.48 | 100.69 | |||||
EBT Excl. Non-Recurring Items Margin % | 38.38 | 49.31 | 41.99 | 34.21 | 21.41 | |||||
Income From Continuing Operations Margin % | 32.97 | 40.1 | 35.25 | 27.29 | 7.38 | |||||
Net Income Margin % | 32.97 | 40.1 | 35.25 | 27.29 | 7.38 | |||||
Net Avail. For Common Margin % | 32.97 | 40.1 | 35.25 | 27.29 | 7.38 | |||||
Normalized Net Income Margin | 23.99 | 30.82 | 26.24 | 21.38 | 13.38 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 0.45 | 0.19 | 0.15 | 0.17 | 0.57 | |||||
Nonperforming Loans / Total Assets % | 0.34 | 0.13 | 0.12 | 0.13 | 0.45 | |||||
Nonperforming Assets / Total Assets % | 0.36 | 0.15 | 0.12 | 0.13 | 0.45 | |||||
NPAs / Loans and OREO | 0.48 | 0.21 | 0.15 | 0.17 | 0.58 | |||||
NPAs / Equity | 3.31 | 1.46 | 1.31 | 1.45 | 4.9 | |||||
Allowance for Credit Losses / Net Charge-offs % | 1T | 3.99T | 5.95T | 765.56 | 3.83T | |||||
Allowance for Credit Losses / Nonperforming Loans % | 277.04 | 634.54 | 664.54 | 442.5 | 181.97 | |||||
Allowance for Credit Losses / Total Loans % | 1.26 | 1.22 | 1.01 | 0.77 | 1.05 | |||||
Net Charge-offs / Total Average Loans % | 0.13 | 0.03 | 0.02 | 0.1 | 0.03 | |||||
Provision for Loan Losses / Net Charge-offs % | 270.76 | 246.13 | -97.19 | 19.79 | 1.75T | |||||
Earning Assets / IBL | 138.27 | 140.98 | 140.25 | 133.92 | 127.63 | |||||
Interest Income / Average Assets | 3.49 | 3.06 | 3.26 | 4.07 | 4.71 | |||||
Interest Expense / Average Assets | 0.53 | 0.31 | 0.46 | 1.71 | 2.12 | |||||
Net Interest Income / Average Assets | 2.96 | 2.75 | 2.8 | 2.36 | 2.58 | |||||
Non Interest Income / Average Assets | 0.62 | 0.83 | 0.35 | 0.38 | 0.41 | |||||
Non Interest Expense / Average Asset | 2.03 | 1.79 | 1.84 | 1.79 | 2.01 | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 11.49 | 10.51 | 9.47 | 8.99 | 9.16 | |||||
Total Average Equity / Total Average Assets % | 11.49 | 10.51 | 9.47 | 8.99 | 9.16 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 15.8 | 15.82 | 12.56 | 12.71 | 12.79 | |||||
Gross Loans / Total Deposits % | 89.37 | 78.6 | 89.61 | 86.92 | 90.63 | |||||
Net Loans / Total Deposits % | 88.25 | 77.64 | 88.71 | 86.24 | 89.66 | |||||
Tier 1 Capital Ratio % | 12.16 | 12.32 | 11.13 | 12.1 | 10.41 | |||||
Total Capital Ratio % | 15.1 | 13.56 | 12.13 | 14.16 | 12.34 | |||||
Core Tier 1 Capital Ratio | 12.16 | 12.32 | 11.13 | 12.1 | 10.16 | |||||
Coverage Ratio | 276.03 | 630.59 | 661.5 | 461.92 | 188.49 | |||||
Leverage Ratio % | 9.28 | 9.16 | 9.03 | 8.5 | 7.97 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest on Borrowings / Interest on Borrowings | 14.22 | 26.34 | 16.36 | 8.17 | 2.12 | |||||
EBT + Interest Expense / Interest Expense | 3.39 | 6.68 | 3.91 | 1.52 | 1.09 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | 5.68 | 6.06 | 13.13 | -9.39 | 33.7 | |||||
Non Interest Income, 1 Yr. Growth % | 10.07 | 54.04 | -53.8 | 19.32 | 29.74 | |||||
Provision For Loan Losses, 1 Yr. Growth % | 21.31 | -76.35 | -125.66 | -226.06 | 3.28T | |||||
Total Revenues, 1 Yr. Growth % | 5.34 | 21.87 | -0.44 | -7.15 | 14.83 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 14.06 | 48.26 | -12.48 | -28.12 | -68.96 | |||||
Net Income, 1 Yr. Growth % | 14.06 | 48.26 | -12.48 | -28.12 | -68.96 | |||||
Normalized Net Income, 1 Yr. Growth % | 18.29 | 56.6 | -15.23 | -24.36 | -28.12 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | 15.27 | 50.5 | -12.29 | -27.46 | -74.15 | |||||
Dividend Per Share, 1 Yr. Growth % | 5.11 | 4.17 | 5.33 | 3.8 | 25.3 | |||||
Gross Loans, 1 Yr. Growth % | 12.37 | 6.94 | 17.21 | 4.39 | 40.15 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | 20.58 | 3.8 | -3.21 | -20.3 | 90.8 | |||||
Net Loans, 1 Yr. Growth % | 12.27 | 6.98 | 17.47 | 4.64 | 39.74 | |||||
Non Performing Loans, 1 Yr. Growth % | -2.05 | -54.68 | -7.58 | 19.69 | 363.97 | |||||
Non Performing Assets, 1 Yr. Growth % | -0.24 | -52.76 | -16.67 | 19.69 | 364.51 | |||||
Total Assets, 1 Yr. Growth % | 16.5 | 16.84 | 5.46 | 5.31 | 36.06 | |||||
Total Deposits, 1 Yr Growth % | 23.62 | 21.59 | 2.81 | 7.63 | 34.42 | |||||
Tangible Book Value, 1 Yr. Growth % | 7.89 | 9.4 | -8.84 | 10 | 29.49 | |||||
Average Interest Earning Assets, 1 Yr. Growth % | 15.81 | 15.31 | 12.37 | 8.14 | 19.06 | |||||
Average Interest Bearing Liabilities, 1 Yr. Growth % | 12.77 | 13.09 | 12.95 | 13.25 | 24.92 | |||||
Common Equity, 1 Yr. Growth % | 5.98 | 7.34 | -7.28 | 7.95 | 37.76 | |||||
Total Equity, 1 Yr. Growth % | 5.98 | 7.34 | -7.28 | 7.95 | 37.76 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | 5.76 | 5.87 | 9.54 | 1.24 | 10.06 | |||||
Non Interest Income, 2 Yr. CAGR % | 10.38 | 30.21 | -15.63 | -25.75 | 24.42 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | 32.74 | -46.44 | -75.37 | -43.13 | 552.75 | |||||
Total Revenues, 2 Yr. CAGR % | 4.98 | 13.3 | 10.15 | -3.85 | 3.26 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | 8.53 | 30.04 | 13.91 | -20.68 | -52.77 | |||||
Net Income, 2 Yr. CAGR % | 8.53 | 30.04 | 13.91 | -20.68 | -52.77 | |||||
Normalized Net Income, 2 Yr. CAGR % | 9.87 | 36.1 | 15.22 | -19.92 | -26.26 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | 8.97 | 31.71 | 14.89 | -20.24 | -56.7 | |||||
Dividend Per Share, 2 Yr. CAGR % | 4.84 | 4.64 | 4.75 | 4.56 | 14.05 | |||||
Gross Loans, 2 Yr. CAGR % | 9.3 | 9.62 | 11.96 | 10.62 | 20.95 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | 13.09 | 11.88 | 0.23 | -12.17 | 23.32 | |||||
Net Loans, 2 Yr. CAGR % | 9.25 | 9.59 | 12.1 | 10.87 | 20.92 | |||||
Non Performing Loans, 2 Yr. CAGR % | 1.44 | -33.38 | -35.28 | 5.18 | 135.65 | |||||
Non Performing Assets, 2 Yr. CAGR % | 2.64 | -31.35 | -37.26 | -0.13 | 135.79 | |||||
Total Assets, 2 Yr. CAGR % | 12.24 | 16.67 | 11.01 | 5.39 | 19.7 | |||||
Total Deposits, 2 Yr CAGR % | 14.01 | 22.6 | 11.81 | 5.19 | 20.28 | |||||
Tangible Book Value, 2 Yr. CAGR % | 8.9 | 8.64 | -0.13 | 0.14 | 19.35 | |||||
Average Interest Earning Assets, 2 Yr. CAGR % | 10.72 | 15.56 | 13.83 | 10.23 | 13.47 | |||||
Average Interest Bearing Liabilities, 2 Yr. CAGR % | 7.98 | 12.93 | 13.02 | 13.1 | 18.94 | |||||
Common Equity, 2 Yr. CAGR % | 6.65 | 6.65 | -0.24 | 0.04 | 21.95 | |||||
Total Equity, 2 Yr. CAGR % | 6.65 | 6.65 | -0.24 | 0.04 | 21.95 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | 6.78 | 5.86 | 8.24 | 2.82 | 11.08 | |||||
Non Interest Income, 3 Yr. CAGR % | -1.07 | 23.35 | -7.81 | -5.3 | -10.57 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | 15.52 | -25.31 | -58.09 | -57.55 | 121.94 | |||||
Total Revenues, 3 Yr. CAGR % | 4.54 | 10.33 | 8.52 | 4.06 | 2.01 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | 16.73 | 20.42 | 13.96 | -2.29 | -41.98 | |||||
Net Income, 3 Yr. CAGR % | 16.73 | 20.42 | 13.96 | -2.29 | -41.98 | |||||
Normalized Net Income, 3 Yr. CAGR % | 8.66 | 23.65 | 16.23 | 0.14 | -22.75 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | 17.03 | 21.35 | 15.02 | -1.44 | -45.21 | |||||
Dividend Per Share, 3 Yr. CAGR % | 4.55 | 4.62 | 4.87 | 4.43 | 11.06 | |||||
Gross Loans, 3 Yr. CAGR % | 8.76 | 8.51 | 12.1 | 9.38 | 19.7 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | 12.98 | 9.91 | 6.6 | -7.14 | 13.75 | |||||
Net Loans, 3 Yr. CAGR % | 8.71 | 8.49 | 12.16 | 9.56 | 19.76 | |||||
Non Performing Loans, 3 Yr. CAGR % | -4.39 | -22.45 | -25.7 | -20.56 | 72.49 | |||||
Non Performing Assets, 3 Yr. CAGR % | -3.2 | -20.75 | -26.77 | -22.19 | 66.71 | |||||
Total Assets, 3 Yr. CAGR % | 9.96 | 13.76 | 12.81 | 9.07 | 14.75 | |||||
Total Deposits, 3 Yr CAGR % | 12.34 | 16.48 | 15.61 | 10.4 | 14.15 | |||||
Tangible Book Value, 3 Yr. CAGR % | 8.37 | 9.07 | 2.47 | 3.14 | 9.1 | |||||
Average Interest Earning Assets, 3 Yr. CAGR % | 10.19 | 12.23 | 14.48 | 11.9 | 13.1 | |||||
Average Interest Bearing Liabilities, 3 Yr. CAGR % | 8.3 | 9.66 | 12.94 | 13.1 | 16.91 | |||||
Common Equity, 3 Yr. CAGR % | 6.14 | 6.88 | 1.79 | 2.42 | 11.3 | |||||
Total Equity, 3 Yr. CAGR % | 6.14 | 6.88 | 1.79 | 2.42 | 11.3 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | 6.96 | 6.51 | 7.87 | 3.99 | 8.96 | |||||
Non Interest Income, 5 Yr. CAGR % | 1.15 | 10.04 | -7.17 | 0.68 | 3.93 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | 14.87 | -18.94 | -37.74 | -33.02 | 25.68 | |||||
Total Revenues, 5 Yr. CAGR % | 5.23 | 8.37 | 6.75 | 4.42 | 6.39 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | 10.62 | 17.32 | 15.59 | 1.9 | -19.88 | |||||
Net Income, 5 Yr. CAGR % | 10.62 | 17.32 | 15.59 | 1.9 | -19.88 | |||||
Normalized Net Income, 5 Yr. CAGR % | 8.97 | 16.83 | 11.24 | 3.92 | -3.11 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | 11.15 | 17.86 | 16.17 | 2.6 | -22.19 | |||||
Dividend Per Share, 5 Yr. CAGR % | 3.04 | 3.88 | 4.63 | 4.6 | 8.45 | |||||
Gross Loans, 5 Yr. CAGR % | 10.19 | 8.73 | 10.03 | 9.35 | 15.56 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | 16.08 | 12.2 | 7.7 | 0.48 | 13 | |||||
Net Loans, 5 Yr. CAGR % | 10.12 | 8.69 | 10.05 | 9.43 | 15.58 | |||||
Non Performing Loans, 5 Yr. CAGR % | -3.02 | -20.2 | -18.21 | -12.4 | 17.9 | |||||
Non Performing Assets, 5 Yr. CAGR % | -3.37 | -18.98 | -18.61 | -13.07 | 16.9 | |||||
Total Assets, 5 Yr. CAGR % | 9.65 | 11 | 10.38 | 10.33 | 15.52 | |||||
Total Deposits, 5 Yr CAGR % | 10.85 | 13.28 | 12.13 | 11.83 | 17.46 | |||||
Tangible Book Value, 5 Yr. CAGR % | 7.01 | 7.89 | 4.89 | 5.4 | 8.92 | |||||
Average Interest Earning Assets, 5 Yr. CAGR % | 9.61 | 10.72 | 11.63 | 11.43 | 14.08 | |||||
Average Interest Bearing Liabilities, 5 Yr. CAGR % | 8.91 | 9.17 | 10.16 | 11.02 | 15.3 | |||||
Common Equity, 5 Yr. CAGR % | 4.96 | 5.8 | 3.54 | 4.09 | 9.42 | |||||
Total Equity, 5 Yr. CAGR % | 4.96 | 5.8 | 3.54 | 4.09 | 9.42 |
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