| Y/E Mar, Rs mn | FY11 | FY12 | FY13 | FY14E | FY15E | | Price | | | | | 83 | | Target | | | | | 105 | | Reco | | | | | BUY | | Net Interest Income | 1,891 | 2,277 | 2,844 | 3,684 | 4,634 | | Growth (%) | | 20 | 25 | 30 | 26 | | Pre-provision Profit | 861 | 838 | 1,261 | 1,880 | 2,626 | | Net Interest Margin | 3 | 3 | 3 | 3 | 3 | | Net Profit | 214 | 551 | 1,021 | 1,514 | 1,770 | | Growth (%) | | 157 | 85 | 48 | 17 | | EPS, Rs | 1 | 2 | 4 | 6 | 7 | | ABVPS, Rs | 26.2 | 32.3 | 36.0 | 41.0 | 48.0 | | PER, x | 77.7 | 36.4 | 20.4 | 13.8 | 11.8 | | P/BV, x | 2.7 | 2.3 | 2.1 | 1.8 | 1.6 | | ROA, % | 0.3 | 0.7 | 1.1 | 1.3 | 1.3 | | ROE, % | 3.5 | 7.4 | 10.9 | 14.0 | 14.2 |
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