| Y/E Mar, Rs mn | FY11 | FY12 | FY13 | FY14E | FY15E | | Price | | | | | 997 | | Target | | | | | 990 | | Reco | | | | | NEU | | Net Interest Income | 128,781 | 173,543 | 211,476 | 241,977 | 277,155 | | Growth (%) | | 35 | 22 | 14 | 15 | | Pre-provision Profit | 49,370 | 57,456 | 67,178 | 75,402 | 87,013 | | Net Interest Margin | 4 | 4 | 4 | 3 | 3 | | Net Profit | 35,350 | 41,226 | 48,483 | 54,402 | 62,753 | | Growth (%) | | 17 | 18 | 12 | 15 | | EPS, Rs | 24 | 28 | 31 | 35 | 40 | | ABVPS, Rs | 114.1 | 124.6 | 157.0 | 173.9 | 195.5 | | PER, x | 41.4 | 35.7 | 31.8 | 28.6 | 24.8 | | P/BV, x | 8.4 | 7.7 | 6.2 | 5.6 | 4.9 | | ROA, % | 2.8 | 2.8 | 2.8 | 2.7 | 2.7 | | ROE, % | 21.7 | 22.7 | 22.0 | 20.5 | 21.1 |
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