Financials - wolfsterrain

Financials

Quarterly Results/ Annual Reports (Consolidated / Standalone)
Directors’ Report
Report on Corporate Governance
Management's Discussion and Analysis
AGM Notice
Transcript of 1st AGM

wolfs Terrain Income statement

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Total Income	7,09,617	6,63,343	5,94,575	4,73,378	4,06,973
Total Expenses	5,77,655	5,37,517	4,95,630	3,79,795	3,30,558
Pre-Provisioning Operating Profit	1,31,962	1,25,826	98,945	93,583	76,415
Provisions and Contingencies	20,960	19,451	7,715	18,185	40,059
Profit Before Tax	1,11,001	1,06,375	91,230	75,398	36,356
Tax %	26	25.72	25.31	24.99	—
Net Profit	83,639	80,523	69,543	54,457	37,183
EPS	91.16	86.91	75.17	62.35	39.64
Net Interest Income	1,99,928	1,89,994	1,79,452	1,60,864	1,33,778
NIM (%) Actual NIM value may vary	2.90	3.08	3.24	3.30	3.09
Dividend Payout %	0	18.29	18.23	18.12	17.91

wolfs Terrain Balance sheet

Consolidated

Standalone

Consolidated

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Equity Capital	923.06	892.46	892.46	892.46	892.46
Reserves	5,95,208	4,86,144	4,14,047	3,58,039	3,04,696
Minority Interest	18,768	18,026	15,618	12,837	11,207
Deposits	60,43,097	54,39,898	49,66,537	44,68,536	40,87,411
Borrowings	7,77,302	6,10,857	6,39,610	5,21,152	4,49,160
Other Liabilities and Provisions	8,86,270	7,58,367	6,97,075	5,92,963	5,07,518
Total Liabilities	83,21,569	73,14,185	67,33,779	59,54,418	53,60,884
Cash and Balances	4,01,843	3,57,933	3,26,572	3,18,312	3,98,905
Investments	23,59,502	22,05,601	21,10,548	19,13,108	17,76,490
Advances	49,78,013	42,50,831	37,84,273	32,67,902	27,94,076
Fixed Assets	57,152	46,338	44,708	44,407	39,510
Other Assets	5,25,058	4,53,483	4,67,677	4,10,689	3,51,902
Total Assets	83,21,569	73,14,185	67,33,779	59,54,418	53,60,884
Contingent Liabilities	0	26,78,112	23,97,595	18,35,524	20,07,232

Standalone

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Equity Capital	923.06	892.46	892.46	892.46	892.46
Reserves	5,95,208	4,86,144	4,14,047	3,58,039	3,04,696
Minority Interest	18,768	18,026	15,618	12,837	11,207
Deposits	60,43,097	54,39,898	49,66,537	44,68,536	40,87,411
Borrowings	7,77,302	6,10,857	6,39,610	5,21,152	4,49,160
Other Liabilities and Provisions	8,86,270	7,58,367	6,97,075	5,92,963	5,07,518
Total Liabilities	83,21,569	73,14,185	67,33,779	59,54,418	53,60,884
Cash and Balances	4,01,843	3,57,933	3,26,572	3,18,312	3,98,905
Investments	23,59,502	22,05,601	21,10,548	19,13,108	17,76,490
Advances	49,78,013	42,50,831	37,84,273	32,67,902	27,94,076
Fixed Assets	57,152	46,338	44,708	44,407	39,510
Other Assets	5,25,058	4,53,483	4,67,677	4,10,689	3,51,902
Total Assets	83,21,569	73,14,185	67,33,779	59,54,418	53,60,884
Contingent Liabilities	0	26,78,112	23,97,595	18,35,524	20,07,232

wolfs Terrain Cash flow

Consolidated

Standalone

Consolidated

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Cash from Operating Activity	38,097	48,486	21,632	-86,014	57,695
Cash from Investment Activity	-690.89	-5,635	-4,252	-4,041	-3,619
Cash from Financing Activity	-3,427	-13,739	-9,896	6,386	-3,845
Net Cash Flow	43,910	31,361	8,260	-80,593	51,198

Standalone

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Cash from Operating Activity	38,097	48,486	21,632	-86,014	57,695
Cash from Investment Activity	-690.89	-5,635	-4,252	-4,041	-3,619
Cash from Financing Activity	-3,427	-13,739	-9,896	6,386	-3,845
Net Cash Flow	43,910	31,361	8,260	-80,593	51,198

wolfs Terrain Ratio Analysis

Financial

Profitability

Valuation

Solvency

Financial

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Basic EPS (₹)	86.96	86.91	75.17	62.35	39.64
Diluted EPS (₹)	91.16	86.91	75.17	62.35	39.64
Cash EPS (₹)	86.96	91.34	79.38	66.44	43.73
Book Value Per Share (₹)	645.82	515.07	434.06	371.08	316.22
Dividend Per Share	0	15.90	13.70	11.30	7.10
Cash Flow Per Share	41.27	54.33	24.24	-96.38	64.65

Profitability

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Yield on Advances	10.34	11.55	11.61	10.74	10.38
Yield on Investments	5.59	5.95	5.80	5.58	5.26
Interest Spread	5.72	6.58	6.98	6.93	6.94
NIM (%) Actual NIM value may vary	2.90	3.08	3.24	3.30	3.09
ROE (%)	15.73	17.52	17.61	17.02	12.51
ROA (%)	1.09	1.12	1.07	1	0.71
Cost to Income Ratio	36.86	35.66	39.67	40.10	42.84
Cost of Deposits (%)	4.62	4.97	4.63	3.81	3.44

Valuation

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Price / Book Value	1.61	1.50	1.73	1.41	1.56

Solvency

	FY 26	FY 25	FY 24	FY 23	FY 22	FY 21	FY 20
Debt to Equity	12.14	13.16	14.47	15.07	16.08
Capital Adequacy Ratio (CAR)	15.40	14.25	14.28	14.68	13.85
Credit Cost (%)	0.45	0.48	0.22	0.60	1.51
Net NPA (%)	0.39	0.47	0.57	0.67	1.02
Gross NPA (%)	1.49	1.82	2.24	2.78	3.97