Financial Highlights

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Financial Highlights

( in crores)
  2015-16 2014-15 2013-14 2012-13 2011-12 2010-11 2009-10 2008-09 2007-08 2006-07
Loan Disbursements 3,857 3,121 2,577 2,174 1,487 1,211 780 655 632 474
Net Interest Margin 421 344 271 218 179 143 115 85 74 52
Fees &
Other Charges
41 33 27 22 17 14 12 7 6 6
Operating Cost 79 63 53 44 36 30 24 20 17 13
Operating Profit 381 313 242 194 157 126 102 72 63 44
Provisions &
Write Offs (Net)
22 17 2 1 (4) 1 8 3 4 7
Profit Before Tax 362 301 244 197 163 126 94 70 59 37
Profit After Tax 244* 204* 177 146 120 92 69 50 42 30
Stockholders' Equity 835 711 607 491 386 318 265 221 190 164
Borrowed Funds 10,244 8,216 6,447 4,915 3,833 2,966 2,323 2,245 1,773 1,305
Loan Assets 11,115 8,926 7,020 5,447 4,077 3,176 2,453 2,091 1,773 1,379

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Key Financial Ratios

  2015-16 2014-15 2013-14 2012-13 2011-12 2010-11 2009-10 2008-09 2007-08 2006-07
Capital Adequacy Ratio (%) 17.82 15.36 16.36 14.56 13.95 13.32 16.55 16.21 18.15 16.31
Debt Equity Ratio (times) 12 12 11 10 10 9 9 10 9 8
Loans to Total Assets (%) 97 97 97 97 94 94 92 83 88 91
Gross NPAs to Loan Assets (%) 0.32 0.28 0.27 0.32 0.52 0.82 1.11 0.94 1.12 1.36
Net NPAs to Loan Assets (%) 0.09 0 0 0.05 0 0 0 0 0 0
Net Interest Margin to Average Assets (%) 4.08 4.18 4.21 4.38 4.64 4.73 4.42 3.73 4.18 3.82
Non-Interest Expenses to Average Assets (%) 0.76 0.76 0.83 0.89 0.94 1.00 0.92 0.87 0.96 0.96
Cost to Income Ratio (%) 17 17 18 18 19 19 19 21 21 22
PAT to Average Assets (%) 2.36 2.48 2.76 2.94 3.12 3.02 2.65 2.21 2.39 2.17
Return on Average Networth (%) 31 31 32 33 34 31 28 24 24 24

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Measuring Shareholders’ Wealth

  2015-16 2014-15 2013-14 2012-13 2011-12 2010-11 2009-10 2008-09 2007-08 2006-07
Earnings Per Share
() ^
6.70 5.57 4.93 4.11 3.41 2.62 1.99 1.45 1.22 0.94
Dividend Rate (%) 115 @ 100 @ 150 125 115 110** 65 48 40 30
Dividend Payout Ratio (%) 41 43 36 36 39 49 38 39 38 41
Book Value Per Share as at March 31 () ^ 22.97 19.64 16.92 13.82 10.94 9.10 7.62 6.37 5.49 4.74
Market Price Per Share as at March 31 () ^ 239.25 244 147.65 105.15 63.70 36.02 21.78 9.37 15.44 13.74
Price to Value Ratio (times) 10.41 12.42 8.73 7.61 5.83 3.96 2.86 1.47 2.81 2.90
Price to Earnings Ratio (times) 36 44 30 26 19 14 11 6 13 15
Market Capitalisation (in crores) 8,701 8,867 5,319 3,753 2,249 1,266 756 325 535 476

*  Profit After Tax is arrived after providing Deferred Tax Liability of 24.17 crores for FY 15-16 and 19.33 crores for
      FY 14-15 on Special Reserve which was required to be created from FY 14-15.

**Includes one time Special Silver Jubilee Year Dividend of 25%

@GRUH allotted bonus shares in ratio of 1:1 during June 2014. Dividend is for the full year on the enhanced capital post       issue of bonus shares.

^ During FY 12-13, w.e.f. July 26, 2012, face value of equity share of GRUH was sub-divided to 2 per equity share from
       10 per equity share and hence adjusted for Split and Bonus shares.

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