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NAME:- PRASAD MORE

PART 2

AXIS BANK
COMPANY PROFILE
Axis Bank, formerly UTI Bank, is Indias third largest private-sector bank after the significantly large
ICICI Bank and HDFC Bank. It is engaged in Large & Mid Corporate Banking, Retail Banking, SME
banking, Agri-business banking, International Banking, treasury etc. It has the largest EDC (Electronic
Data Capturing Machines) network, the third largest ATM network and the fourth largest base of
debit cards in India. It also has overseas branches at Singapore, Hong Kong and Dubai; and
representative offices at Shanghai and Dubai. It has advance and cutting edge technology. Since its
inception,Axis Bank has been jointly promoted by UTI-I, LIC, GIC and four other PSU insurance
companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The
Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
Management - Axis Bank
Name Designation
Sanjiv Misra

Non Executive Chairman

K N Prithviraj

Director

S B Mathur

Director

R N Bhattacharyya

Director

A K Dasgupta

Director

V Srinivasan

Executive Director

Ireena Vittal

Addnl. & Ind.Director

Name Designation
Shikha Sharma Managing Director & CEO
V R Kaundinya Director
Prasad R Menon

Director

Samir K Barua Director


Som Mittal

Director

Somnath Sengupta

Executive Director

Rohit Bhagat

Addnl. & Ind.Director

Balance Sheet of Axis Bank

------------------- in Rs. Cr. ------------------Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Total Share Capital

413.20

410.55

405.17

359.01

357.71

Equity Share Capital

413.20

410.55

405.17

359.01

357.71

Share Application Money

0.00

0.00

0.17

1.21

2.19

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

22,395.34 18,588.28

15,639.27

9,854.58

8,410.79

Revaluation Reserves

0.00

0.00

0.00

0.00

Net Worth

22,808.54 18,998.83

16,044.61

10,214.80

8,770.69

Deposits

220,104.30189,237.80

141,300.22

117,374.11

87,626.22

Borrowings

34,071.67 26,267.88

17,169.55

10,185.48

5,624.04

Total Debt

254,175.97215,505.68

158,469.77

127,559.59

93,250.26

Other Liabilities & Provisions

8,643.27

6,133.46

9,947.67

7,556.90

Total Liabilities

285,627.78242,713.37

180,647.84

147,722.06

109,577.8

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Capital and Liabilities:

0.00

8,208.86

Assets
Cash & Balances with RBI

10,702.92 13,886.16

9,473.88

9,419.21

7,305.66

Balance with Banks, Money at Call

3,230.99

5,732.56

5,597.69

5,198.58

7,522.49

Advances

169,759.54142,407.83

104,343.12

81,556.77

59,661.14

Investments

93,192.09 71,991.62

55,974.82

46,330.35

33,705.10

Gross Block

3,583.67

3,426.49

2,107.98

1,741.86

1,384.70

Accumulated Depreciation

1,395.12

1,176.03

942.79

726.45

590.33

Net Block

2,188.55

2,250.46

1,165.19

1,015.41

794.37

Capital Work In Progress

70.77

22.69

57.24

57.48

128.48

Other Assets

6,482.93

4,632.12

3,901.06

3,745.15

2,784.51

Total Assets

285,627.79242,713.37

180,647.87

147,722.06

109,577.8

Contingent Liabilities

449,976.11429,069.63

296,125.58

104,428.39

78,028.44

Bills for collection

64,895.87 57,400.80

35,756.32

29,906.04

16,569.95

Book Value (Rs)

551.99

395.99

284.50

245.13

Profit & Loss account of Axis Bank

462.77

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Interest Earned

21,994.6515,154.81

11,638.02

10,835.49

7,005.32

Other Income

5,420.22 4,632.13

3,945.78

2,896.88

1,750.59

Total Income

27,414.8719,786.94

15,583.80

13,732.37

8,755.91

Interest expended

13,976.908,591.82

6,633.53

7,149.27

4,419.96

Employee Cost

2,080.17 1,613.90

1,255.82

997.66

670.25

Selling and Admin Expenses

2,478.47 2,406.59

2,443.05

1,572.83

952.61

Income

Expenditure

Depreciation

342.24

Miscellaneous Expenses

289.59

234.32

188.67

158.11

4,294.88 3,496.55

2,502.55

2,008.57

1,483.94

Preoperative Exp Capitalised

0.00

0.00

0.00

0.00

Operating Expenses

6,867.53 5,734.55

5,066.76

3,590.42

2,454.03

Provisions & Contingencies

2,328.23 2,072.08

1,368.98

1,177.31

810.88

Total Expenses

23,172.6616,398.45

13,069.27

11,917.00

7,684.87

Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

4,242.21 3,388.49

2,514.53

1,815.36

1,071.03

Extraordionary Items

0.00

0.00

0.00

0.00

Profit brought forward

4,969.77 3,427.43

2,348.09

1,553.87

1,029.07

Total

9,211.98 6,815.92

4,862.62

3,369.23

2,100.10

Preference Dividend

0.00

0.00

0.00

0.00

0.00

Equity Dividend

770.07

670.36

567.45

420.52

251.64

Corporate Dividend Tax

0.00

0.00

0.00

0.00

0.00

Earning Per Share (Rs)

102.67

82.54

62.06

50.57

29.94

Equity Dividend (%)

160.00

140.00

120.00

100.00

60.00

Book Value (Rs)

551.99

462.77

395.99

284.50

245.13

Transfer to Statutory Reserves

1,112.46 836.95

867.43

600.62

294.60

Transfer to Other Reserves

0.00

338.84

0.31

0.00

-0.01

Proposed Dividend/Transfer to Govt

770.07

670.36

567.45

420.52

251.64

Balance c/f to Balance Sheet

7,329.45 4,969.77

3,427.43

2,348.09

1,553.87

Total

9,211.98 6,815.92

4,862.62

3,369.23

2,100.10

0.00

0.00

Per share data (annualised)

Appropriations

Key Financial Ratios of Axis Bank

Mar
'12

Mar '11

Mar '10

Mar '09

Mar '08

Investment Valuation Ratios


Face Value

10.00 10.00

10.00

10.00

10.00

Dividend Per Share

16.00 14.00

12.00

10.00

6.00

Operating Profit Per Share (Rs)

157.89129.26

97.29

83.56

56.88

Net Operating Profit Per Share (Rs)

654.06471.17

380.27

377.46

244.63

Free Reserves Per Share (Rs)

431.32373.06

325.87

230.47

208.03

Bonus in Equity Capital

--

--

--

--

--

Interest Spread

3.91

3.73

3.95

4.24

3.77

Adjusted Cash Margin(%)

16.69 18.71

17.63

14.76

14.19

Net Profit Margin

15.51 17.20

16.10

13.31

12.22

Return on Long Term Fund(%)

88.75 72.29

66.34

97.35

71.17

Return on Net Worth(%)

18.59 17.83

15.67

17.77

12.21

Adjusted Return on Net Worth(%)

18.51 17.87

15.69

17.85

12.38

Return on Assets Excluding Revaluations

551.99462.77

395.99

284.50

245.13

Return on Assets Including Revaluations

551.99462.77

395.99

284.50

245.13

Interest Income / Total Funds

10.23 9.14

9.38

10.53

9.57

Net Interest Income / Total Funds

4.94

5.34

4.98

4.74

Profitability Ratios

Management Efficiency Ratios

5.08

Non Interest Income / Total Funds

0.12

0.17

0.12

0.06

0.02

Interest Expended / Total Funds

5.29

4.06

4.04

5.56

4.83

Operating Expense / Total Funds

2.47

2.57

2.94

2.64

2.51

Profit Before Provisions / Total Funds

2.46

2.54

2.38

2.25

2.07

Net Profit / Total Funds

1.61

1.60

1.53

1.41

1.17

Loans Turnover

0.17

0.16

0.17

0.19

0.18

Total Income / Capital Employed(%)

10.35 9.30

9.51

10.60

9.59

Interest Expended / Capital Employed(%)

5.29

4.06

4.04

5.56

4.83

Total Assets Turnover Ratios

0.10

0.09

0.09

0.11

0.10

Asset Turnover Ratio

0.11

0.09

0.10

0.11

6.32

Profit And Loss Account Ratios


Interest Expended / Interest Earned

63.55 56.69

57.00

65.98

63.09

Other Income / Total Income

1.14

1.30

0.60

0.16

Operating Expense / Total Income

23.87 27.65

30.96

24.95

26.20

Selling Distribution Cost Composition

0.32

0.30

0.34

0.85

1.78

0.40

Balance Sheet Ratios


Capital Adequacy Ratio

13.66 12.65

15.80

13.69

13.73

Advances / Loans Funds(%)

72.29 76.16

72.96

73.87

75.89

Credit Deposit Ratio

76.26 74.65

71.87

68.89

65.94

Investment Deposit Ratio

40.35 38.71

39.55

39.04

41.39

Cash Deposit Ratio

6.01

7.07

7.30

8.16

8.17

Total Debt to Owners Fund

9.65

9.96

8.81

11.49

9.99

Financial Charges Coverage Ratio

0.49

0.66

1.62

1.43

1.46

Financial Charges Coverage Ratio Post Tax

1.33

1.43

1.41

1.28

1.28

0.03

0.02

0.03

0.03

0.03

Debt Coverage Ratios

Leverage Ratios
Current Ratio

Quick Ratio

21.63 19.60

19.19

9.52

9.23

Dividend Payout Ratio Net Profit

18.15 19.78

22.56

23.16

23.49

Dividend Payout Ratio Cash Profit

16.79 18.22

20.64

20.98

20.47

Earning Retention Ratio

81.77 80.26

77.47

76.94

76.84

Cash Earning Retention Ratio

83.13 81.81

79.39

79.11

79.78

AdjustedCash Flow Times

48.22 51.35

51.33

58.33

70.42

Mar
'12

Mar '10

Mar '09

Mar '08

Cash Flow Indicator Ratios

Mar '11

Earnings Per Share

102.6782.54

62.06

50.57

29.94

Book Value

551.99462.77

395.99

284.50

245.13

KOTAK MAHINDRA
COMPANY PROFILE
Management - Kotak Mahindra
Name Designation
Prakash Apte

Director

N P Sarda

Director

Uday Kotak

Exec. Vice Chairman & Mang Dir

Dipak Gupta

Joint Managing Director

S Mahendra Dev

Additional Director

Name Designation
Amit Desai

Director

Shankar Acharya

Non Executive Chairman

C Jayaram

Joint Managing Director

Asim Ghosh

Director

Balance Sheet of Kotak Mahindra Bank

------------------- in Rs. Cr. ------------------Mar '13 Mar '12

Mar '11

Mar '10

Mar '09

12 mths 12 mths

12 mths

12 mths

12 mths

Total Share Capital

373.30

370.34

368.44

348.14

345.67

Equity Share Capital

373.30

370.34

368.44

348.14

345.67

Share Application Money

0.00

0.00

0.00

0.00

0.00

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

9,091.19 7,610.41

6,464.95

4,191.78

3,559.86

Revaluation Reserves

0.00

0.00

0.00

0.00

Net Worth

9,464.49 7,980.75

6,833.39

4,539.92

3,905.53

Deposits

51,028.7738,536.52

29,260.97

23,886.47

15,644.93

Borrowings

20,410.6216,595.52

11,723.95

6,140.51

5,904.07

Total Debt

71,439.3955,132.04

40,984.92

30,026.98

21,549.00

Other Liabilities & Provisions

2,789.81 2,553.67

3,032.36

2,869.42

3,257.34

Total Liabilities

83,693.6965,666.46

50,850.67

37,436.32

28,711.87

Mar '13 Mar '12

Mar '11

Mar '10

Mar '09

12 mths 12 mths

12 mths

12 mths

12 mths

Cash & Balances with RBI

2,207.90 2,016.49

2,107.72

2,085.67

995.35

Balance with Banks, Money at Call

1,481.26 618.06

363.26

214.59

145.32

Capital and Liabilities:

0.00

Assets

Advances

48,468.9839,079.23

29,329.31

20,775.05

16,625.34

Investments

28,873.4321,566.81

17,121.44

12,512.66

9,110.18

Gross Block

464.42

955.41

831.80

745.34

460.61

Accumulated Depreciation

0.00

505.45

406.20

317.69

247.25

Net Block

464.42

449.96

425.60

427.65

213.36

Capital Work In Progress

0.00

0.00

0.00

0.00

0.00

Other Assets

2,197.69 1,935.91

1,503.33

1,420.69

1,622.33

Total Assets

83,693.6865,666.46

50,850.66

37,436.31

28,711.88

Contingent Liabilities

22,830.8117,319.52

12,291.30

4,156.15

4,486.28

Bills for collection

6,470.50 6,166.00

4,470.06

3,063.64

1,188.17

Book Value (Rs)

126.77

92.74

130.40

112.98

Profit & Loss account of Kotak Mahindra Bank

107.75

------------------- in Rs. Cr. ------------------Mar '13 Mar '12

Mar '11

Mar '10

Mar '09

12 mths 12 mths

12 mths

12 mths

12 mths

Interest Earned

8,042.496,180.24

4,303.56

3,255.62

3,065.14

Other Income

1,160.66848.42

507.56

420.97

157.56

Total Income

9,203.157,028.66

4,811.12

3,676.59

3,222.70

Interest expended

4,836.823,667.75

2,058.49

1,397.48

1,546.60

Employee Cost

1,075.14902.36

783.83

583.48

583.63

Selling and Admin Expenses

0.00

487.82

648.07

552.91

Depreciation

132.53 116.76

98.27

90.00

69.56

Income

Expenditure

542.71

Miscellaneous Expenses

1,797.95714.03

564.53

396.47

193.91

Preoperative Exp Capitalised

0.00

0.00

0.00

0.00

Operating Expenses

2,209.731,754.66

1,528.58

1,447.42

1,333.60

Provisions & Contingencies

795.89 521.20

405.87

270.60

66.41

Total Expenses

7,842.445,943.61

3,992.94

3,115.50

2,946.61

Mar '13 Mar '12

Mar '11

Mar '10

Mar '09

12 mths 12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

1,360.721,085.05

818.18

561.11

276.10

Extraordionary Items

0.00

0.00

2.01

0.00

Profit brought forward

2,162.791,494.52

965.91

648.94

528.17

Total

3,523.512,579.57

1,784.09

1,212.06

804.27

Preference Dividend

0.00

0.00

0.00

0.00

0.00

Equity Dividend

52.38

44.49

36.88

29.66

25.96

Corporate Dividend Tax

7.29

7.22

4.37

0.00

1.86

Earning Per Share (Rs)

18.23

14.65

11.10

16.12

7.99

Equity Dividend (%)

14.00

12.00

10.00

8.50

7.50

Book Value (Rs)

126.77 107.75

92.74

130.40

112.98

Transfer to Statutory Reserves

379.20 310.81

207.41

188.43

113.70

Transfer to Other Reserves

68.04

54.26

40.91

28.06

13.80

Proposed Dividend/Transfer to Govt

59.67

51.71

41.25

29.66

27.82

Balance c/f to Balance Sheet

3,016.602,162.79

1,494.52

965.91

648.94

Total

3,523.512,579.57

1,784.09

1,212.06

804.26

0.00

0.00

Per share data (annualised)

Appropriations

Key Financial Ratios of Kotak Mahindra Bank

Mar
'13

Mar '12

Mar '11

Mar '10

Mar '09

Face Value

5.00

5.00

5.00

10.00

10.00

Dividend Per Share

0.70

0.60

0.50

0.85

0.75

Operating Profit Per Share (Rs)

15.11 23.31

16.97

25.88

13.08

Net Operating Profit Per Share (Rs)

107.7294.94

64.31

105.01

94.39

Free Reserves Per Share (Rs)

--

87.75

76.84

102.80

89.63

Bonus in Equity Capital

49.55 49.94

50.20

53.13

53.51

Interest Spread

--

6.83

8.11

8.31

Adjusted Cash Margin(%)

16.22 17.04

19.26

17.76

10.45

Net Profit Margin

14.78 15.39

17.19

15.23

8.35

Return on Long Term Fund(%)

65.48 65.99

47.50

48.71

50.50

Return on Net Worth(%)

14.37 13.59

11.97

12.35

7.06

Adjusted Return on Net Worth(%)

14.37 13.58

11.97

12.42

7.06

Return on Assets Excluding Revaluations

126.77107.75

92.74

130.40

112.98

Return on Assets Including Revaluations

126.77107.75

92.74

130.40

112.98

10.77 12.07

10.74

11.05

11.44

Investment Valuation Ratios

Profitability Ratios
6.36

Management Efficiency Ratios


Interest Income / Total Funds

Net Interest Income / Total Funds

4.29

5.78

6.07

6.83

6.02

Non Interest Income / Total Funds

1.55

0.02

0.04

0.08

0.15

Interest Expended / Total Funds

6.48

6.30

4.66

4.23

5.42

Operating Expense / Total Funds

2.78

2.81

3.24

4.10

4.43

Profit Before Provisions / Total Funds

2.89

2.79

2.65

2.53

1.49

Net Profit / Total Funds

1.82

1.86

1.85

1.70

0.97

Loans Turnover

0.41

0.21

0.19

0.20

0.20

Total Income / Capital Employed(%)

12.32 12.09

10.78

11.13

11.59

Interest Expended / Capital Employed(%)

6.48

6.30

4.66

4.23

5.42

Total Assets Turnover Ratios

0.11

0.12

0.11

0.11

0.11

Asset Turnover Ratio

0.11

0.13

0.12

0.12

0.13

Profit And Loss Account Ratios


Interest Expended / Interest Earned

60.14 59.35

47.83

42.93

50.46

Other Income / Total Income

12.61 0.20

0.40

0.71

1.27

Operating Expense / Total Income

22.57 23.25

30.06

36.87

38.25

Selling Distribution Cost Composition

--

2.17

1.47

2.04

1.86

Balance Sheet Ratios


Capital Adequacy Ratio

16.05 17.52

19.92

18.35

20.01

Advances / Loans Funds(%)

--

82.60

80.56

77.16

81.32

Debt Coverage Ratios


Credit Deposit Ratio

43.63 100.90

94.27

94.61

100.34

Investment Deposit Ratio

56.32 57.06

55.76

54.70

56.92

Cash Deposit Ratio

4.72

6.08

7.89

7.79

8.44

Total Debt to Owners Fund

5.39

4.83

4.28

5.26

4.01

Financial Charges Coverage Ratio

0.47

0.47

0.62

1.66

1.32

Financial Charges Coverage Ratio Post Tax

1.31

1.33

1.45

1.47

1.22

Leverage Ratios

Current Ratio

0.94

Quick Ratio

0.05

0.05

0.05

0.09

18.95 16.85

10.86

8.46

5.91

Dividend Payout Ratio Net Profit

4.38

4.76

5.04

5.28

10.07

Dividend Payout Ratio Cash Profit

3.99

4.30

4.50

4.55

8.04

Earning Retention Ratio

95.62 95.24

94.96

94.75

89.92

Cash Earning Retention Ratio

96.01 95.70

95.50

95.47

91.95

AdjustedCash Flow Times

34.17 32.08

31.93

36.52

45.30

Mar
'13

Mar '11

Mar '10

Mar '09

Cash Flow Indicator Ratios

Mar '12

Earnings Per Share

18.23 14.65

11.10

16.12

7.99

Book Value

126.77107.75

92.74

130.40

112.98

IDFC BANK
Management - IDBI Bank
Name Designation
R M Malla

Chairman & Managing Director

P K Chaudhery Government Director


Subhash Tuli

Independent Director

Ninad Karpe

Independent Director

Name Designation
B K Batra

Deputy Managing Director

P S Shenoy

Independent Director

S Ravi Independent Director


Snehlata Srivastava

Government Director

Balance Sheet of IDBI Bank

------------------- in Rs. Cr. ------------------Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Total Share Capital

1,278.38

984.57

724.86

724.78

724.76

Equity Share Capital

1,278.38

984.57

724.86

724.78

724.76

Share Application Money

0.00

0.99

0.00

0.00

0.00

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

16,295.61 11,686.25

7,502.26

6,719.52

6,075.13

Revaluation Reserves

1,853.93

1,937.72

1,979.56

2,022.07

Net Worth

19,427.92 14,567.58

10,164.84

9,423.86

8,821.96

Deposits

210,492.56180,485.79

167,667.08

112,401.01

72,997.98

Borrowings

53,477.64 51,569.65

47,709.48

44,417.04

38,612.55

Total Debt

263,970.20232,055.44

215,376.56

156,818.05

111,610.5

Other Liabilities & Provisions

7,439.12

8,030.62

6,160.40

10,261.89

Total Liabilities

290,837.24253,376.79

233,572.02

172,402.31

130,694.3

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Capital and Liabilities:

1,895.77

6,753.77

Assets
Cash & Balances with RBI

15,090.21 19,559.05

13,903.47

8,590.82

6,694.83

Balance with Banks, Money at Call

2,967.44

679.36

2,628.50

2,063.94

1,207.03

Advances

181,158.43157,098.07

138,201.85

103,428.34

82,212.69

Investments

83,175.36 68,269.18

73,345.46

50,047.60

32,802.93

Gross Block

4,548.74

4,375.10

4,085.27

3,873.95

3,894.76

Accumulated Depreciation

1,554.43

1,405.82

1,250.35

1,127.40

1,173.59

Net Block

2,994.31

2,969.28

2,834.92

2,746.55

2,721.17

Capital Work In Progress

24.50

68.06

162.04

77.56

44.80

Other Assets

5,426.98

4,206.13

4,444.91

4,882.96

4,154.02

Total Assets

290,837.23253,376.80

233,572.01

172,402.33

130,694.3

Contingent Liabilities

122,965.13108,278.85

101,597.45

96,523.34

89,811.14

Bills for collection

31,232.30 29,995.93

26,695.59

20,053.80

14,226.75

Book Value (Rs)

137.47

113.50

102.71

93.82

128.69

Source : Dion Global Solutions Limited


Profit & Loss account of IDBI Bank

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Interest Earned

23,369.9318,600.82

15,272.63

11,631.63

8,020.84

Other Income

2,009.54 2,103.56

2,341.96

1,475.72

1,751.26

Total Income

25,379.4720,704.38

17,614.59

13,107.35

9,772.10

Interest expended

18,825.0814,271.93

13,005.22

10,305.72

7,364.41

Employee Cost

1,160.44 1,026.50

756.99

569.24

384.61

Selling and Admin Expenses

1,598.62 1,830.00

720.90

504.21

365.50

Depreciation

116.06

90.98

52.70

83.50

Income

Expenditure

127.04

Miscellaneous Expenses

1,784.92 1,798.60

2,009.37

816.93

844.62

Preoperative Exp Capitalised

0.00

0.00

0.00

0.00

Operating Expenses

3,567.82 3,509.84

2,067.76

1,481.66

1,092.36

Provisions & Contingencies

1,092.22 1,272.30

1,510.48

461.42

585.87

Total Expenses

23,485.1219,054.07

16,583.46

12,248.80

9,042.64

Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

1,894.34 1,650.32

1,031.13

858.54

729.46

Extraordionary Items

137.25

0.00

0.00

0.00

0.00

Profit brought forward

615.02

470.40

71.20

21.04

1,314.90

Total

2,646.61 2,120.72

1,102.33

879.58

2,044.36

Preference Dividend

0.00

0.00

0.00

0.00

0.00

Equity Dividend

388.68

344.60

217.46

181.20

144.95

Corporate Dividend Tax

60.33

55.27

31.47

30.79

22.27

Earning Per Share (Rs)

14.82

16.76

14.23

11.85

10.06

Equity Dividend (%)

35.00

35.00

30.00

25.00

20.00

Book Value (Rs)

137.47

128.69

113.50

102.71

93.82

Transfer to Statutory Reserves

774.95

514.55

283.00

346.39

256.10

Transfer to Other Reserves

750.01

600.00

100.00

250.00

1,600.00

Proposed Dividend/Transfer to Govt

449.01

399.87

248.93

211.99

167.22

Balance c/f to Balance Sheet

672.65

606.30

470.40

71.20

21.04

Total

2,646.62 2,120.72

1,102.33

879.58

2,044.36

0.00

Per share data (annualised)

Appropriations

Key Financial Ratios of IDBI Bank

Mar
'12

Mar '11

Mar '10

Mar '09

Mar '08

Investment Valuation Ratios


Face Value

10.00 10.00

10.00

10.00

10.00

Dividend Per Share

3.50

3.00

2.50

2.00

Operating Profit Per Share (Rs)

23.65 24.23

28.72

12.88

10.85

Net Operating Profit Per Share (Rs)

197.91203.54

235.40

174.79

126.38

Free Reserves Per Share (Rs)

102.2993.88

77.72

70.83

66.69

Bonus in Equity Capital

19.15 24.86

33.77

33.77

33.77

Interest Spread

3.03

2.77

2.14

2.88

1.76

Adjusted Cash Margin(%)

7.92

8.76

6.48

7.02

8.73

Net Profit Margin

7.99

8.12

5.95

6.71

7.84

Return on Long Term Fund(%)

124.19131.48

174.83

151.49

120.38

Return on Net Worth(%)

11.56 13.02

12.53

11.53

10.72

Adjusted Return on Net Worth(%)

10.78 13.04

12.55

11.35

10.71

Return on Assets Excluding Revaluations

137.47128.69

113.50

102.71

93.82

Return on Assets Including Revaluations

151.97147.95

140.23

130.02

121.72

Interest Income / Total Funds

9.36

8.30

8.49

8.47

7.95

Net Interest Income / Total Funds

2.40

2.39

2.02

1.58

1.56

3.50

Profitability Ratios

Management Efficiency Ratios

Non Interest Income / Total Funds

0.04

0.11

0.13

0.08

0.12

Interest Expended / Total Funds

6.97

5.91

6.47

6.89

6.39

Operating Expense / Total Funds

1.28

1.40

0.98

0.96

0.88

Profit Before Provisions / Total Funds

1.11

1.05

1.12

0.67

0.73

Net Profit / Total Funds

0.70

0.68

0.51

0.57

0.63

Loans Turnover

0.15

0.14

0.14

0.14

0.13

Total Income / Capital Employed(%)

9.40

8.41

8.61

8.55

8.07

Interest Expended / Capital Employed(%)

6.97

5.91

6.47

6.89

6.39

Total Assets Turnover Ratios

0.09

0.08

0.08

0.08

0.08

Asset Turnover Ratio

0.10

0.08

0.09

0.09

2.35

Profit And Loss Account Ratios


Interest Expended / Interest Earned

80.55 76.73

85.15

88.60

91.82

Other Income / Total Income

0.40

1.46

0.89

1.49

Operating Expense / Total Income

13.59 16.66

11.42

11.18

10.85

Selling Distribution Cost Composition

0.10

0.26

0.38

0.27

1.33

0.23

Balance Sheet Ratios


Capital Adequacy Ratio

14.58 13.64

11.31

11.57

11.95

Advances / Loans Funds(%)

73.04 70.22

74.26

77.06

83.31

Credit Deposit Ratio

86.52 84.82

86.28

100.13

124.35

Investment Deposit Ratio

38.73 40.68

44.06

44.69

50.26

Cash Deposit Ratio

8.86

8.03

8.24

10.40

Total Debt to Owners Fund

11.98 14.24

20.38

15.10

10.74

Financial Charges Coverage Ratio

0.17

0.19

1.18

1.10

1.13

Financial Charges Coverage Ratio Post Tax

1.11

1.12

1.09

1.09

1.11

0.02

0.02

0.03

0.04

0.05

Debt Coverage Ratios

9.61

Leverage Ratios
Current Ratio

Quick Ratio

27.11 26.78

19.49

18.98

9.07

Dividend Payout Ratio Net Profit

22.10 24.23

24.14

24.69

22.92

Dividend Payout Ratio Cash Profit

20.90 22.49

22.18

23.26

20.56

Earning Retention Ratio

76.32 75.81

75.90

74.93

77.06

Cash Earning Retention Ratio

77.69 77.54

77.85

76.40

79.42

AdjustedCash Flow Times

104.62101.39

149.23

125.17

89.88

Mar
'12

Mar '10

Mar '09

Mar '08

Cash Flow Indicator Ratios

Mar '11

Earnings Per Share

14.82 16.76

14.23

11.85

10.06

Book Value

137.47128.69

113.50

102.71

93.82

INDUS IND BANK


Management - IndusInd Bank
Name Designation
R Seshasayee

Chairman

T T Ram Mohan Director


S C Tripathi

Director

Kanchan ChitaleAdditional Director


R S Sharma

Additional Director

Name Designation
Romesh Sobti Managing Director & CEO
Ajay Hinduja

Director

Ashok Kini

Director

Vijay Vaid

Additional Director

Y M Kale

Alternate Director

Balance Sheet of IndusInd Bank

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Total Share Capital

467.70

465.97

410.65

355.19

320.00

Equity Share Capital

467.70

465.97

410.65

355.19

320.00

Share Application Money

10.95

7.98

2.20

1.15

0.51

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

4,043.72 3,350.92

1,752.75

1,072.42

789.39

Revaluation Reserves

219.34

231.63

235.63

239.81

Net Worth

4,741.71 4,050.22

2,397.23

1,664.39

1,349.71

Deposits

42,361.5534,365.37

26,710.17

22,110.25

19,037.42

Borrowings

8,682.01 5,525.42

4,934.29

1,856.46

1,095.43

Total Debt

51,043.5639,890.79

31,644.46

23,966.71

20,132.85

Other Liabilities & Provisions

1,810.80 1,694.83

1,327.83

1,983.58

1,779.31

Total Liabilities

57,596.0745,635.84

35,369.52

27,614.68

23,261.87

Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Cash & Balances with RBI

2,903.58 2,456.04

2,099.18

1,190.79

1,526.26

Balance with Banks, Money at Call

2,636.05 1,568.56

504.00

732.90

651.77

Capital and Liabilities:

225.35

Assets

Advances

35,063.9526,165.65

20,550.59

15,770.64

12,795.31

Investments

14,571.9513,550.81

10,401.84

8,083.41

6,629.70

Gross Block

1,082.79 971.26

1,054.02

1,006.65

969.93

Accumulated Depreciation

468.70

399.20

427.02

397.41

354.41

Net Block

614.09

572.06

627.00

609.24

615.52

Capital Work In Progress

42.70

24.41

17.83

13.95

9.63

Other Assets

1,763.75 1,298.32

1,169.08

1,213.75

1,033.70

Total Assets

57,596.0745,635.85

35,369.52

27,614.68

23,261.89

Contingent Liabilities

99,523.5479,647.25

45,317.82

42,279.08

28,301.60

Bills for collection

9,817.74 7,860.30

5,895.67

2,020.09

4,441.53

Book Value (Rs)

96.50

52.71

40.21

34.69

Profit & Loss account of IndusInd Bank

81.95

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Interest Earned

5,359.193,589.36

2,706.99

2,309.47

1,920.23

Other Income

1,011.78713.66

553.48

456.25

297.58

Total Income

6,370.974,303.02

3,260.47

2,765.72

2,217.81

Interest expended

3,654.952,212.86

1,820.58

1,850.44

1,579.86

Employee Cost

485.47 382.65

290.56

187.14

121.90

Selling and Admin Expenses

434.62 390.46

313.90

279.33

173.18

Depreciation

74.96

45.29

44.17

40.16

Miscellaneous Expenses

918.37 679.17

439.84

256.30

227.66

Income

Expenditure

60.55

Preoperative Exp Capitalised

0.00

Operating Expenses

0.00

0.00

0.00

0.00

1,485.581,169.72

867.28

672.32

463.10

Provisions & Contingencies

427.84 343.11

222.31

94.62

99.80

Total Expenses

5,568.373,725.69

2,910.17

2,617.38

2,142.76

Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

802.61 577.33

350.31

148.34

75.05

Extraordionary Items

0.00

0.00

0.00

0.00

Profit brought forward

714.36 391.51

247.00

242.99

0.00

Total

1,516.97968.84

597.31

391.33

75.05

Preference Dividend

0.00

0.00

0.00

0.00

Equity Dividend

102.89 93.23

73.88

44.71

19.19

Corporate Dividend Tax

16.69

15.12

12.27

7.60

3.26

Earning Per Share (Rs)

17.17

12.39

8.53

4.18

2.35

Equity Dividend (%)

22.00

20.00

18.00

12.00

6.00

Book Value (Rs)

96.50

81.95

52.71

40.21

34.69

0.00

0.00

Per share data (annualised)

Appropriations
Transfer to Statutory Reserves

209.80 146.12

119.64

92.02

21.00

Transfer to Other Reserves

0.00

0.00

0.00

0.00

Proposed Dividend/Transfer to Govt

119.58 108.35

86.15

52.31

22.45

Balance c/f to Balance Sheet

1,187.59714.36

391.51

247.00

31.60

Total

1,516.97968.84

597.30

391.33

75.05

0.01

Key Financial Ratios of IndusInd Bank

Mar
'12

Mar '11

Mar '10

Mar '09

Mar '08

Investment Valuation Ratios


Face Value

10.00 10.00

10.00

10.00

10.00

Dividend Per Share

2.20

1.80

1.20

0.60

Operating Profit Per Share (Rs)

18.76 15.33

11.13

4.77

0.24

Net Operating Profit Per Share (Rs)

127.1186.65

75.51

74.59

62.87

Free Reserves Per Share (Rs)

71.53 61.43

34.33

23.90

20.55

Bonus in Equity Capital

--

--

--

--

--

Interest Spread

5.34

6.42

6.07

4.97

4.12

Adjusted Cash Margin(%)

13.76 14.90

13.03

7.97

5.32

Net Profit Margin

12.59 13.43

10.63

5.29

3.45

Return on Long Term Fund(%)

107.4381.10

110.36

147.69

152.76

Return on Net Worth(%)

17.79 15.12

16.19

10.39

6.76

Adjusted Return on Net Worth(%)

17.77 15.20

17.76

12.53

6.82

Return on Assets Excluding Revaluations

96.50 81.95

52.71

40.21

34.69

Return on Assets Including Revaluations

101.1986.79

58.35

46.85

42.19

Interest Income / Total Funds

11.56 10.02

9.91

10.51

9.15

Net Interest Income / Total Funds

4.45

4.09

3.16

1.96

2.00

Profitability Ratios

Management Efficiency Ratios

4.53

Non Interest Income / Total Funds

0.83

0.65

0.63

0.60

0.75

Interest Expended / Total Funds

7.11

5.49

5.82

7.34

7.19

Operating Expense / Total Funds

2.74

2.75

2.63

2.49

1.92

Profit Before Provisions / Total Funds

2.40

2.27

1.94

1.10

0.60

Net Profit / Total Funds

1.56

1.43

1.12

0.59

0.34

Loans Turnover

0.19

0.17

0.17

0.19

0.17

Total Income / Capital Employed(%)

12.40 10.67

10.54

11.11

9.90

Interest Expended / Capital Employed(%)

7.11

5.49

5.82

7.34

7.19

Total Assets Turnover Ratios

0.12

0.10

0.10

0.11

0.09

Asset Turnover Ratio

0.12

4.16

2.94

2.63

2.07

Profit And Loss Account Ratios


Interest Expended / Interest Earned

68.20 61.65

67.25

80.12

82.27

Other Income / Total Income

6.73

5.93

5.41

7.57

Operating Expense / Total Income

22.14 25.81

24.95

22.44

19.44

Selling Distribution Cost Composition

0.27

0.20

0.58

0.10

6.10

0.40

Balance Sheet Ratios


Capital Adequacy Ratio

13.85 15.89

15.33

12.33

11.91

Advances / Loans Funds(%)

77.12 73.15

73.91

71.52

66.69

Credit Deposit Ratio

79.80 76.49

74.40

69.42

65.10

Investment Deposit Ratio

36.65 39.22

37.86

35.76

34.13

Cash Deposit Ratio

6.99

7.46

6.74

6.60

6.94

Total Debt to Owners Fund

9.39

9.00

12.35

15.49

17.16

Financial Charges Coverage Ratio

0.36

0.44

0.36

1.17

1.11

Financial Charges Coverage Ratio Post Tax

1.24

1.29

1.22

1.10

1.07

0.04

0.04

0.04

0.05

0.05

Debt Coverage Ratios

Leverage Ratios
Current Ratio

Quick Ratio

21.94 17.65

17.94

9.16

8.63

Dividend Payout Ratio Net Profit

14.89 18.76

24.59

35.26

29.91

Dividend Payout Ratio Cash Profit

13.62 16.98

21.77

27.17

19.48

Earning Retention Ratio

85.09 81.33

77.59

70.78

70.36

Cash Earning Retention Ratio

86.37 83.09

79.95

76.56

80.63

AdjustedCash Flow Times

48.30 53.63

62.18

99.09

164.28

Mar
'12

Mar '10

Mar '09

Mar '08

Cash Flow Indicator Ratios

Mar '11

Earnings Per Share

17.17 12.39

8.53

4.18

2.35

Book Value

96.50 81.95

52.71

40.21

34.69

BANK OF BARODA
Management - Bank of Baroda
Name Designation
Alok Nigam

Director

Surendra Singh Bhandari


Rajib Sekhar Sahoo

Director

Director

Sudarshan Sen Director


P Srinivas

Executive Director

Ranjan Dhawan Executive Director


Name Designation
Vinil Kumar Saxena

Director

Satya Dev Tripathi

Director

Maulin A Vaishnav

Director

V B Chavan

Director

Sudhir Kumar Jain


S S Mundra

Executive Director

Chairman & Managing Director

Balance Sheet of Bank Of Baroda

------------------- in Rs. Cr. ------------------Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Total Share Capital

412.38

392.81

365.53

365.53

365.53

Equity Share Capital

412.38

392.81

365.53

365.53

365.53

Share Application Money

0.00

0.00

0.00

0.00

0.00

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Reserves

27,064.47 20,600.30

14,740.86

12,470.01

10,678.40

Revaluation Reserves

0.00

0.00

0.00

0.00

Net Worth

27,476.85 20,993.11

15,106.39

12,835.54

11,043.93

Deposits

384,871.11305,439.48

241,044.26

192,396.95

152,034.1

Borrowings

23,573.05 22,307.85

13,350.09

5,636.09

3,927.05

Total Debt

408,444.16327,747.33

254,394.35

198,033.04

155,961.1

Other Liabilities & Provisions

11,400.46 9,656.73

8,815.97

16,538.15

12,594.41

Total Liabilities

447,321.47358,397.17

278,316.71

227,406.73

179,599.5

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Capital and Liabilities:

0.00

Assets
Cash & Balances with RBI

21,651.46 19,868.18

13,539.97

10,596.34

9,369.72

Balance with Banks, Money at Call

42,517.08 30,065.89

21,927.09

13,490.77

12,929.56

Advances

287,377.29228,676.36

175,035.29

143,985.90

106,701.3

Investments

83,209.40 71,260.63

61,182.38

52,445.88

43,870.07

Gross Block

4,921.59

4,548.16

4,266.60

3,954.13

3,787.14

Accumulated Depreciation

2,580.09

2,248.44

1,981.84

1,644.41

1,360.14

Net Block

2,341.50

2,299.72

2,284.76

2,309.72

2,427.00

Capital Work In Progress

0.00

0.00

0.00

0.00

0.00

Other Assets

10,224.73 6,226.40

4,347.22

4,578.12

4,301.83

Total Assets

447,321.46358,397.18

278,316.71

227,406.73

179,599.5

Contingent Liabilities

134,552.25112,272.64

77,997.01

64,745.82

75,364.33

Bills for collection

40,717.28 33,735.67

27,949.60

22,584.64

15,105.51

Book Value (Rs)

668.34

414.71

352.37

303.18

Profit & Loss account of Bank Of Baroda

536.16

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Interest Earned

29,673.7221,885.92

16,698.34

15,091.58

11,813.48

Other Income

3,422.33 2,809.19

2,806.36

2,757.66

2,051.04

Total Income

33,096.0524,695.11

19,504.70

17,849.24

13,864.52

Interest expended

19,356.7113,083.66

10,758.86

9,968.17

7,901.67

Employee Cost

2,985.58 2,916.78

2,350.88

2,348.13

1,803.76

Selling and Admin Expenses

2,589.44 1,885.00

1,627.56

885.24

927.20

Depreciation

276.57

230.86

230.50

232.00

Miscellaneous Expenses

2,880.80 2,324.94

1,478.21

2,189.99

1,564.36

Income

Expenditure

243.04

Preoperative Exp Capitalised

0.00

Operating Expenses

0.00

0.00

0.00

0.00

6,727.59 5,669.88

4,711.23

3,844.66

3,370.27

Provisions & Contingencies

2,004.80 1,699.88

976.28

1,809.20

1,157.05

Total Expenses

28,089.1020,453.42

16,446.37

15,622.03

12,428.99

Mar '12 Mar '11

Mar '10

Mar '09

Mar '08

12 mths 12 mths

12 mths

12 mths

12 mths

Net Profit for the Year

5,006.96 4,241.68

3,058.33

2,227.20

1,435.52

Extraordionary Items

0.00

0.00

0.00

0.00

0.00

Profit brought forward

0.00

0.00

0.00

0.00

0.00

Total

5,006.96 4,241.68

3,058.33

2,227.20

1,435.52

Preference Dividend

0.00

0.00

0.00

0.00

0.00

Equity Dividend

812.29

753.35

639.26

383.56

340.94

Corporate Dividend Tax

0.00

0.00

0.00

0.00

0.00

Earning Per Share (Rs)

121.79

108.33

83.96

61.14

39.41

Equity Dividend (%)

170.00

165.00

150.00

90.00

80.00

Book Value (Rs)

668.34

536.16

414.71

352.37

303.18

Per share data (annualised)

Appropriations
Transfer to Statutory Reserves

1,740.81 1,387.87

1,162.07

1,136.23

444.23

Transfer to Other Reserves

2,453.86 2,100.46

1,257.00

707.41

650.35

Proposed Dividend/Transfer to Govt

812.29

753.35

639.26

383.56

340.94

Balance c/f to Balance Sheet

0.00

0.00

0.00

0.00

0.00

Total

5,006.96 4,241.68

3,058.33

2,227.20

1,435.52

Key Financial Ratios of Bank Of Baroda

Mar
'12

Mar '11

Mar '10

Mar '09

Mar '08

Investment Valuation Ratios


Face Value

10.00 10.00

10.00

10.00

10.00

Dividend Per Share

17.00 16.50

15.00

9.00

8.00

Operating Profit Per Share (Rs)

150.18137.25

106.39

82.98

57.48

Net Operating Profit Per Share (Rs)

777.91610.00

524.75

455.85

360.56

Free Reserves Per Share (Rs)

154.03120.23

62.42

62.42

180.73

Bonus in Equity Capital

--

--

--

--

--

Interest Spread

4.73

4.60

4.15

4.02

4.21

Adjusted Cash Margin(%)

16.07 18.16

16.54

14.19

12.06

Net Profit Margin

15.23 17.18

15.37

12.86

10.38

Return on Long Term Fund(%)

92.37 89.23

99.27

103.70

91.52

Return on Net Worth(%)

18.22 20.20

20.24

17.35

12.99

Adjusted Return on Net Worth(%)

18.21 20.20

20.24

17.35

12.99

Return on Assets Excluding Revaluations

668.34536.16

414.71

352.37

303.18

Return on Assets Including Revaluations

668.34536.16

414.71

352.37

303.18

Interest Income / Total Funds

7.94

7.50

7.56

8.16

8.14

Net Interest Income / Total Funds

3.13

3.39

3.30

3.26

3.24

Profitability Ratios

Management Efficiency Ratios

Non Interest Income / Total Funds

0.22

0.25

0.30

0.35

0.43

Interest Expended / Total Funds

4.80

4.11

4.25

4.90

4.90

Operating Expense / Total Funds

1.60

1.70

1.77

1.78

1.94

Profit Before Provisions / Total Funds

1.68

1.86

1.75

1.72

1.58

Net Profit / Total Funds

1.24

1.33

1.21

1.09

0.89

Loans Turnover

0.12

0.12

0.12

0.13

0.14

Total Income / Capital Employed(%)

8.16

7.75

7.86

8.51

8.57

Interest Expended / Capital Employed(%)

4.80

4.11

4.25

4.90

4.90

Total Assets Turnover Ratios

0.08

0.08

0.08

0.08

0.08

Asset Turnover Ratio

0.08

0.08

0.08

0.09

3.47

Profit And Loss Account Ratios


Interest Expended / Interest Earned

65.23 59.78

64.43

66.05

66.89

Other Income / Total Income

2.67

3.88

4.09

4.98

Operating Expense / Total Income

19.63 21.98

22.53

20.88

22.70

Selling Distribution Cost Composition

0.18

0.23

0.24

0.25

3.25

0.24

Balance Sheet Ratios


Capital Adequacy Ratio

14.67 14.52

14.36

14.05

12.91

Advances / Loans Funds(%)

78.07 78.56

77.38

81.35

75.67

Credit Deposit Ratio

74.76 73.87

73.60

72.78

68.72

Investment Deposit Ratio

22.38 24.24

26.22

27.96

28.46

Cash Deposit Ratio

6.01

5.57

5.80

5.70

Total Debt to Owners Fund

14.01 14.55

15.96

14.99

13.77

Financial Charges Coverage Ratio

0.36

0.47

1.43

1.37

0.35

Financial Charges Coverage Ratio Post Tax

1.27

1.34

1.31

1.25

1.21

0.03

0.02

0.02

0.02

0.03

Debt Coverage Ratios

6.11

Leverage Ratios
Current Ratio

Quick Ratio

28.00 26.38

21.88

9.62

9.56

Dividend Payout Ratio Net Profit

16.22 17.76

20.90

17.22

23.75

Dividend Payout Ratio Cash Profit

15.37 16.79

19.43

15.60

20.44

Earning Retention Ratio

83.78 82.25

79.10

82.78

76.25

Cash Earning Retention Ratio

84.63 83.21

80.57

84.40

79.55

AdjustedCash Flow Times

72.85 68.10

73.28

78.28

91.19

Mar
'12

Mar '10

Mar '09

Mar '08

Cash Flow Indicator Ratios

Mar '11

Earnings Per Share

121.79108.33

83.96

61.14

39.41

Book Value

668.34536.16

414.71

352.37

303.18