Other Income
Other Income component is making ratios of the company look optically better
Pledge
Promoters have not pledged a significant portion of their holding
Cost Of Borrowing
Cost Of Borrowing of the company seems to be trending up
Contingent Liabilities
Company does not have significant contingent liabilities
Retail Holding
Retail has been buying the stock which is usually a sign of exuberance
Share price
Share price has increased over last 10 years due to earnings
ROE
Asset Turnover is responsible for ROE increase over last 10 years
Net Interest Margin
Net Interest margin of the company is trending up
Net NPA
NPA's of the company is currently high
Promoter Holding
Promoter has not sold any shares in the last 90 days
Current vs Historic Valuation
Company is trading at a discount to 3 year historic valuations