| Y/E Mar, Rs mn | FY11 | FY12 | FY13 | FY14E | FY15E | | Price | | | | | 872 | | Target | | | | | 950 | | Reco | | | | | NEU | | Net Interest Income | 88,023 | 103,170 | 113,153 | 119,653 | 142,328 | | Growth (%) | | 17 | 10 | 6 | 19 | | Pre-provision Profit | 69,816 | 86,304 | 90,738 | 92,910 | 104,464 | | Net Interest Margin | 2.8 | 2.6 | 2.3 | 2.0 | 2.0 | | Net Profit | 42,417 | 50,070 | 44,807 | 44,789 | 55,498 | | Growth (%) | | 18.0 | -10.5 | -0.0 | 23.9 | | EPS, Rs | 108 | 121 | 106 | 104 | 129 | | ABVPS, Rs | 488.7 | 609.2 | 591.6 | 625.5 | 701.2 | | PER, x | 8.1 | 7.2 | 8.2 | 8.4 | 6.8 | | P/BV, x | 1.6 | 1.3 | 1.2 | 1.0 | 0.9 | | ROA, % | 1.4 | 1.3 | 0.9 | 0.8 | 0.8 | | ROE, % | 25.3 | 22.0 | 16.0 | 13.8 | 15.0 |
|