Financial Ratios

THE SOUTH INDIAN BANK LTD.

NSE : SOUTHBANKBSE : 532218ISIN CODE : INE683A01023Industry : Bank - PrivateHouse : South Indian Bank
BSE28.890 (0 %)
PREV CLOSE ( ) 28.89
OPEN PRICE ( ) 29.22
BID PRICE (QTY) 28.86 (3333)
OFFER PRICE (QTY) 28.89 (7680)
VOLUME 1957350
TODAY'S LOW / HIGH ( )28.75 29.24
52 WK LOW / HIGH ( )14.02 36.9
NSE28.85-0.05 (-0.17 %)
PREV CLOSE( ) 28.90
OPEN PRICE ( ) 29.20
BID PRICE (QTY) 28.85 (118646)
OFFER PRICE (QTY) 28.90 (135721)
VOLUME 15649795
TODAY'S LOW / HIGH( ) 28.75 29.30
52 WK LOW / HIGH ( )14.01 36.88
Select year
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)3.700.210.300.581.37
   DPS(Rs)0.300.000.000.000.25
   Book NAV/Share(Rs)31.8927.9727.7528.4828.16
Margin Ratios
   Yield on Advances10.3610.9812.5812.0510.97
   Yield on Investments
   Cost of Liabilities4.284.705.646.065.69
   NIM2.972.422.762.602.33
   Interest Spread6.086.286.945.995.28
Performance Ratios
   ROA(%)0.750.050.060.110.28
   ROE(%)12.370.771.132.044.90
   ROCE(%)14.152.024.664.817.04
Efficiency Ratios
   Cost Income Ratio60.5961.8954.3051.0754.88
   Core Cost Income Ratio55.3263.1762.2357.7757.38
   Operating Costs to Assets2.152.032.101.771.63
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)3.9534.9928.029.9711.11
   PCE(x)3.5512.2012.005.729.44
   Price/Book(x)0.460.270.300.200.59
   Yield(%)2.050.000.000.001.51
   EV/Net Sales(x)1.390.740.801.021.15
   EV/Core EBITDA(x)6.673.903.524.826.37
   EV/EBIT(x)1.841.141.171.421.51
   EV/CE(x)0.090.050.060.080.79
   M Cap / Sales0.420.240.240.130.44
Growth Ratio
   Core Operating Income Growth34.48-6.943.8614.742.76
   Operating Profit Growth
   Net Profit Growth1623.11-27.34-40.81-57.75-26.09
   BVPS Growth14.030.79-2.561.121.87
   Advances Growth16.353.34-9.912.7814.90
   EPS Growth(%)1623.11-27.34-48.81-57.75-26.12
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.050.080.040.030.05
   Investment / Deposits(x)0.270.240.250.250.24
   IncLoan / Deposits(x)7.633.704.978.306.10
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)1.862.974.713.343.45

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.