Balance Sheet
Content
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
373.30
373.30
0.00
0.00
9,091.19
0.00
9,464.49
370.34
370.34
0.00
0.00
7,610.41
0.00
7,980.75
368.44
368.44
0.00
0.00
6,464.95
0.00
6,833.39
348.14
348.14
0.00
0.00
4,191.78
0.00
4,539.92
345.67
345.67
0.00
0.00
3,559.86
0.00
3,905.53
Deposits
Borrowings
Total Debt
51,028.77
20,410.62
71,439.39
38,536.52
16,595.52
55,132.04
29,260.97
11,723.95
40,984.92
23,886.47
6,140.51
30,026.98
15,644.93
5,904.07
21,549.00
Other Liabilities & Provisions
Total Liabilities
2,789.81
83,693.69
Mar '13
2,553.67
65,666.46
Mar '12
3,032.36
50,850.67
Mar '11
2,869.42
37,436.32
Mar '10
3,257.34
28,711.87
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
2,207.90
1,481.26
48,468.98
28,873.43
2,016.49
618.06
39,079.23
21,566.81
2,107.72
363.26
29,329.31
17,121.44
2,085.67
214.59
20,775.05
12,512.66
995.35
145.32
16,625.34
9,110.18
464.42
0.00
464.42
955.41
505.45
449.96
831.80
406.20
425.60
745.34
317.69
427.65
460.61
247.25
213.36
Capital Work In Progress
Other Assets
Total Assets
0.00
2,197.69
83,693.68
0.00
1,935.91
65,666.46
0.00
1,503.33
50,850.66
0.00
1,420.69
37,436.31
0.00
1,622.33
28,711.88
Contingent Liabilities
Bills for collection
Book Value (Rs)
22,830.81
6,470.50
126.77
17,319.52
6,166.00
107.75
12,291.30
4,470.06
92.74
4,156.15
3,063.64
130.40
4,486.28
1,188.17
112.98
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account 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
Interest Earned
Other Income
Total Income
Expenditure
8,042.49
1,160.66
9,203.15
6,180.24
848.42
7,028.66
4,303.56
507.56
4,811.12
3,255.62
420.97
3,676.59
3,065.14
157.56
3,222.70
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
4,836.82
1,075.14
0.00
132.53
1,797.95
0.00
2,209.73
795.89
7,842.44
Mar '13
3,667.75
902.36
542.71
116.76
714.03
0.00
1,754.66
521.20
5,943.61
Mar '12
2,058.49
783.83
487.82
98.27
564.53
0.00
1,528.58
405.87
3,992.94
Mar '11
1,397.48
583.48
648.07
90.00
396.47
0.00
1,447.42
270.60
3,115.50
Mar '10
1,546.60
583.63
552.91
69.56
193.91
0.00
1,333.60
66.41
2,946.61
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
Net Profit for the Year
1,360.72
1,085.05
818.18
561.11
276.10
Extraordionary Items
Profit brought forward
Total
0.00
2,162.79
3,523.51
0.00
1,494.52
2,579.57
0.00
965.91
1,784.09
2.01
648.94
1,212.06
0.00
528.17
804.27
0.00
52.38
7.29
0.00
44.49
7.22
0.00
36.88
4.37
0.00
29.66
0.00
0.00
25.96
1.86
18.23
14.65
11.10
16.12
7.99
14.00
126.77
12.00
107.75
10.00
92.74
8.50
130.40
7.50
112.98
379.20
68.04
59.67
3,016.60
3,523.51
310.81
54.26
51.71
2,162.79
2,579.57
207.41
40.91
41.25
1,494.52
1,784.09
188.43
28.06
29.66
965.91
1,212.06
113.70
13.80
27.82
648.94
804.26
Income
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of Kotak Mahindra Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
5.00
0.70
15.11
107.72
-49.55
5.00
0.60
23.31
94.94
87.75
49.94
5.00
0.50
16.97
64.31
76.84
50.20
10.00
0.85
25.88
105.01
102.80
53.13
10.00
0.75
13.08
94.39
89.63
53.51
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-16.22
14.78
65.48
14.37
14.37
126.77
126.77
6.36
17.04
15.39
65.99
13.59
13.58
107.75
107.75
6.83
19.26
17.19
47.50
11.97
11.97
92.74
92.74
8.11
17.76
15.23
48.71
12.35
12.42
130.40
130.40
8.31
10.45
8.35
50.50
7.06
7.06
112.98
112.98
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
10.77
4.29
1.55
6.48
2.78
2.89
1.82
0.41
12.32
6.48
0.11
0.11
12.07
5.78
0.02
6.30
2.81
2.79
1.86
0.21
12.09
6.30
0.12
0.13
10.74
6.07
0.04
4.66
3.24
2.65
1.85
0.19
10.78
4.66
0.11
0.12
11.05
6.83
0.08
4.23
4.10
2.53
1.70
0.20
11.13
4.23
0.11
0.12
11.44
6.02
0.15
5.42
4.43
1.49
0.97
0.20
11.59
5.42
0.11
0.13
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
60.14
12.61
22.57
--
59.35
0.20
23.25
1.86
47.83
0.40
30.06
2.17
42.93
0.71
36.87
1.47
50.46
1.27
38.25
2.04
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
16.05
--
17.52
81.32
19.92
82.60
18.35
80.56
20.01
77.16
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
43.63
56.32
4.72
5.39
0.47
100.90
57.06
6.08
4.83
0.47
94.27
55.76
7.89
4.28
0.62
94.61
54.70
7.79
5.26
1.66
100.34
56.92
8.44
4.01
1.32
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.31
1.33
1.45
1.47
1.22
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.94
18.95
0.05
16.85
0.05
10.86
0.05
8.46
0.09
5.91
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
4.38
3.99
95.62
96.01
34.17
4.76
4.30
95.24
95.70
32.08
5.04
4.50
94.96
95.50
31.93
5.28
4.55
94.75
95.47
36.52
10.07
8.04
89.92
91.95
45.30
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
18.23
126.77
14.65
107.75
11.10
92.74
16.12
130.40
7.99
112.98
Earnings Per Share
Book Value
Balance Sheet of ICICI Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
1,153.64
1,153.64
4.48
0.00
65,547.84
0.00
66,705.96
1,152.77
1,152.77
2.39
0.00
59,250.09
0.00
60,405.25
1,151.82
1,151.82
0.29
0.00
53,938.82
0.00
55,090.93
1,114.89
1,114.89
0.00
0.00
50,503.48
0.00
51,618.37
1,463.29
1,113.29
0.00
350.00
48,419.73
0.00
49,883.02
Deposits
Borrowings
Total Debt
292,613.63
145,341.49
437,955.12
255,499.96
140,164.91
395,664.87
225,602.11
109,554.28
335,156.39
202,016.60
94,263.57
296,280.17
218,347.82
67,323.69
285,671.51
Other Liabilities & Provisions
Total Liabilities
32,133.60
536,794.68
Mar '13
17,576.98
473,647.10
Mar '12
15,986.35
406,233.67
Mar '11
15,501.18
363,399.72
Mar '10
43,746.43
379,300.96
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
19,052.73
22,364.79
290,249.44
171,393.60
20,461.29
15,768.02
253,727.66
159,560.04
20,906.97
13,183.11
216,365.90
134,685.96
27,514.29
11,359.40
181,205.60
120,892.80
17,536.33
12,430.23
218,310.85
103,058.31
4,647.06
0.00
4,647.06
9,424.39
4,809.70
4,614.69
9,107.47
4,363.21
4,744.26
7,114.12
3,901.43
3,212.69
7,443.71
3,642.09
3,801.62
Capital Work In Progress
Other Assets
Total Assets
0.00
29,087.07
536,794.69
0.00
19,515.39
473,647.09
0.00
16,347.47
406,233.67
0.00
19,214.93
363,399.71
0.00
24,163.62
379,300.96
Contingent Liabilities
Bills for collection
Book Value (Rs)
727,858.44
74,512.60
578.21
858,566.64
64,457.72
524.01
883,774.77
47,864.06
478.31
694,948.84
38,597.36
463.01
803,991.92
36,678.71
444.94
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of ICICI Bank
------------------- 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
Other Income
Total Income
Expenditure
40,075.60
8,345.70
48,421.30
33,542.65
7,908.10
41,450.75
25,974.05
7,108.91
33,082.96
25,706.93
7,292.43
32,999.36
31,092.55
8,117.76
39,210.31
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
26,209.18
3,893.29
0.00
490.16
9,503.20
0.00
9,012.89
4,873.76
40,095.83
Mar '13
22,808.50
3,515.28
2,888.22
524.53
5,248.97
0.00
8,843.63
3,333.37
34,985.50
Mar '12
16,957.15
2,816.93
3,785.13
562.44
3,809.93
0.00
8,594.16
2,380.27
27,931.58
Mar '11
17,592.57
1,925.79
6,056.48
619.50
2,780.03
0.00
10,221.99
1,159.81
28,974.37
Mar '10
22,725.93
1,971.70
5,977.72
678.60
4,098.22
0.00
10,795.14
1,931.10
35,452.17
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
8,325.47
6,465.26
5,151.38
4,024.98
3,758.13
-0.25
7,054.23
15,379.45
-0.43
5,018.18
11,483.01
-2.17
3,464.38
8,613.59
-0.09
2,809.65
6,834.54
-0.58
2,436.32
6,193.87
0.00
2,307.23
292.16
0.00
1,902.04
220.35
0.00
1,612.58
202.28
0.00
1,337.86
164.04
0.00
1,224.58
151.21
72.17
56.09
44.73
36.10
33.76
200.00
578.21
165.00
524.01
140.00
478.31
120.00
463.01
110.00
444.94
2,877.78
0.00
2,599.39
9,902.29
15,379.46
2,306.07
0.32
2,122.39
7,054.23
11,483.01
1,780.29
0.26
1,814.86
5,018.18
8,613.59
1,867.22
1.04
1,501.90
3,464.38
6,834.54
2,008.42
0.01
1,375.79
2,809.65
6,193.87
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of ICICI Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
10.00
20.00
46.32
347.40
---
10.00
16.50
76.15
346.19
376.49
--
10.00
14.00
64.08
281.04
358.12
--
10.00
12.00
49.80
293.74
356.94
--
10.00
11.00
48.58
343.59
351.04
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-18.20
17.19
51.77
12.48
12.48
578.21
578.21
4.44
17.45
16.14
52.09
10.70
10.70
524.01
524.01
4.01
17.52
15.91
42.97
9.35
9.27
478.31
478.31
5.66
13.64
12.17
44.72
7.79
7.53
463.01
463.01
3.66
11.45
9.74
56.72
7.58
7.55
444.94
444.94
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
7.93
2.74
1.65
5.19
1.69
2.61
1.65
0.34
9.58
5.19
0.08
0.08
9.07
3.89
0.03
5.18
1.89
1.91
1.47
0.18
9.10
5.18
0.09
0.09
8.41
4.01
-4.41
2.09
1.77
1.34
0.17
8.41
4.41
0.08
0.09
8.82
4.08
0.08
4.74
2.59
1.41
1.08
0.17
8.90
4.74
0.09
0.10
9.82
3.99
0.08
5.83
2.60
1.30
0.96
0.18
9.90
5.83
0.10
0.11
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
65.40
17.24
17.60
--
68.00
0.37
20.77
0.73
65.29
0.02
24.81
0.94
68.44
0.92
29.05
0.72
73.09
0.86
26.22
1.74
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
18.74
--
18.52
65.30
19.54
64.96
19.41
58.57
15.53
69.86
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
43.54
60.38
7.21
4.39
0.52
92.23
61.16
8.60
4.23
0.39
87.81
59.77
11.32
4.10
0.44
90.04
53.28
10.72
3.91
0.33
91.44
46.35
10.14
4.42
0.25
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.34
1.31
1.34
1.26
1.20
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.98
10.53
0.13
16.71
0.11
15.86
0.14
14.70
0.13
5.94
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
31.22
29.48
68.78
70.52
33.19
32.82
30.36
67.19
69.65
36.54
35.23
31.76
64.49
68.01
39.77
37.31
32.33
61.40
66.70
44.79
36.60
31.00
63.23
68.87
49.41
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
72.17
578.21
56.09
524.01
44.73
478.31
36.10
463.01
33.76
444.94
Earnings Per Share
Book Value
Balance Sheet of HDFC Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
475.88
475.88
0.00
0.00
35,738.26
0.00
36,214.14
469.34
469.34
0.30
0.00
29,455.04
0.00
29,924.68
465.23
465.23
0.00
0.00
24,914.04
0.00
25,379.27
457.74
457.74
0.00
0.00
21,064.75
0.00
21,522.49
425.38
425.38
400.92
0.00
14,226.43
0.00
15,052.73
Deposits
Borrowings
Total Debt
296,246.98
33,006.60
329,253.58
246,706.45
23,846.51
270,552.96
208,586.41
14,394.06
222,980.47
167,404.44
12,915.69
180,320.13
142,811.58
2,685.84
145,497.42
Other Liabilities & Provisions
Total Liabilities
34,864.17
400,331.89
Mar '13
37,431.87
337,909.51
Mar '12
28,992.86
277,352.60
Mar '11
20,615.94
222,458.56
Mar '10
22,720.62
183,270.77
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
14,627.40
12,652.77
239,720.64
111,613.60
14,991.09
5,946.63
195,420.03
97,482.91
25,100.82
4,568.02
159,982.67
70,929.37
15,483.28
14,459.11
125,830.59
58,607.62
13,527.21
3,979.41
98,883.05
58,817.55
6,865.45
4,162.37
2,703.08
5,930.24
3,583.05
2,347.19
5,244.21
3,073.56
2,170.65
4,707.97
2,585.16
2,122.81
3,956.63
2,249.90
1,706.73
Capital Work In Progress
Other Assets
Total Assets
0.00
19,014.41
400,331.90
0.00
21,721.64
337,909.49
0.00
14,601.08
277,352.61
0.00
5,955.15
222,458.56
0.00
6,356.83
183,270.78
Contingent Liabilities
Bills for collection
Book Value (Rs)
698,062.89
48,163.51
152.20
844,374.61
39,610.71
127.52
559,681.87
28,869.10
545.53
466,236.24
20,940.13
470.19
396,594.31
17,939.62
344.44
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of HDFC Bank
------------------- 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
Other Income
Total Income
Expenditure
35,064.87
6,852.62
41,917.49
27,286.35
5,333.41
32,619.76
19,928.21
4,433.51
24,361.72
16,172.90
3,810.62
19,983.52
16,332.26
3,470.63
19,802.89
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
19,253.75
3,965.38
0.00
651.67
11,320.41
0.00
11,236.12
4,701.34
35,191.21
Mar '13
14,989.58
3,399.91
2,647.25
542.52
5,873.42
0.00
9,241.64
3,221.46
27,452.68
Mar '12
9,385.08
2,836.04
2,510.82
497.41
5,205.97
0.00
8,045.36
3,004.88
20,435.32
Mar '11
7,786.30
2,289.18
3,395.83
394.39
3,169.12
0.00
7,703.41
1,545.11
17,034.82
Mar '10
8,911.10
2,238.20
2,851.26
359.91
3,197.49
0.00
7,290.66
1,356.20
17,557.96
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
6,726.28
5,167.09
3,926.40
2,948.70
2,244.94
-4.47
8,399.65
15,121.46
-2.12
6,174.24
11,339.21
-2.65
4,532.79
8,456.54
-0.93
3,455.57
6,403.34
-0.59
2,574.63
4,818.98
0.00
1,309.08
222.48
0.00
1,009.08
163.70
0.00
767.62
124.53
0.00
549.29
91.23
0.00
425.38
72.29
28.27
22.02
84.40
64.42
52.77
275.00
152.20
215.00
127.52
165.00
545.53
120.00
470.19
100.00
344.44
1,785.08
672.63
1,531.56
11,132.18
15,121.45
1,250.08
516.70
1,172.78
8,399.65
11,339.21
997.52
392.64
892.15
6,174.24
8,456.55
935.15
294.87
640.52
4,532.79
6,403.33
641.25
224.50
497.67
3,455.57
4,818.99
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of HDFC Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
2.00
5.50
21.97
147.37
---
2.00
4.30
37.71
138.66
97.01
--
10.00
16.50
160.36
524.34
419.10
--
10.00
12.00
106.25
436.03
363.55
--
10.00
10.00
92.36
464.77
252.37
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-17.60
16.04
80.78
18.57
18.57
152.20
152.20
5.80
17.59
15.93
76.06
17.26
17.26
127.52
127.52
5.95
18.13
16.09
59.91
15.47
15.47
545.53
545.53
5.89
16.71
14.76
56.08
13.70
13.68
470.19
470.19
6.98
13.15
11.35
83.31
15.32
15.29
344.44
344.44
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
9.50
4.28
1.86
5.22
2.87
3.10
1.82
0.36
11.36
5.22
0.10
0.11
10.58
5.70
-0.03
4.87
2.83
2.67
1.68
0.18
10.54
4.87
0.11
0.12
9.76
6.01
-3.76
3.02
2.79
1.57
0.17
9.76
3.76
0.10
0.11
9.84
6.00
0.01
3.84
3.60
2.21
1.45
0.18
9.85
3.84
0.10
0.11
12.50
6.86
-5.63
4.38
2.26
1.42
0.24
12.50
5.63
0.13
0.14
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
54.91
16.35
25.25
--
54.93
-0.32
26.82
0.46
47.09
-30.94
0.65
48.14
0.09
36.59
0.41
54.56
-35.06
0.54
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
16.80
--
16.52
79.19
16.22
79.34
17.44
77.24
15.69
78.87
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
35.99
38.51
5.46
8.18
0.63
78.06
36.99
8.81
8.24
0.58
76.02
34.45
10.79
8.22
0.79
72.44
37.85
9.35
7.78
0.63
66.64
44.43
10.71
9.75
0.44
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.38
1.38
1.47
1.43
1.29
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.78
7.84
0.08
6.20
0.06
6.89
0.03
7.14
0.04
5.23
22.76
20.75
77.24
79.25
40.15
22.69
20.54
77.30
79.46
43.22
22.72
20.16
77.29
79.84
47.14
21.72
19.15
78.25
80.82
50.14
22.16
19.10
77.79
80.87
54.91
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
28.27
152.20
22.02
127.52
84.40
545.53
64.42
470.19
52.77
344.44
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
Earnings Per Share
Book Value
Balance Sheet of Axis Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
467.95
467.95
0.00
0.00
32,639.91
0.00
33,107.86
413.20
413.20
0.00
0.00
22,395.34
0.00
22,808.54
410.55
410.55
0.00
0.00
18,588.28
0.00
18,998.83
405.17
405.17
0.17
0.00
15,639.27
0.00
16,044.61
359.01
359.01
1.21
0.00
9,854.58
0.00
10,214.80
Deposits
Borrowings
Total Debt
252,613.59
43,951.10
296,564.69
220,104.30
34,071.67
254,175.97
189,237.80
26,267.88
215,505.68
141,300.22
17,169.55
158,469.77
117,374.11
10,185.48
127,559.59
Other Liabilities & Provisions
Total Liabilities
10,888.11
340,560.66
Mar '13
8,643.27
285,627.78
Mar '12
8,208.86
242,713.37
Mar '11
6,133.46
180,647.84
Mar '10
9,947.67
147,722.06
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
14,792.09
5,642.87
196,965.96
113,737.54
10,702.92
3,230.99
169,759.54
93,192.09
13,886.16
7,522.49
142,407.83
71,991.62
9,473.88
5,732.56
104,343.12
55,974.82
9,419.21
5,597.69
81,556.77
46,330.35
2,355.64
0.00
2,355.64
3,583.67
1,395.12
2,188.55
3,426.49
1,176.03
2,250.46
2,107.98
942.79
1,165.19
1,741.86
726.45
1,015.41
Capital Work In Progress
Other Assets
Total Assets
0.00
7,066.56
340,560.66
70.77
6,482.93
285,627.79
22.69
4,632.12
242,713.37
57.24
3,901.06
180,647.87
57.48
3,745.15
147,722.06
Contingent Liabilities
Bills for collection
Book Value (Rs)
525,314.30
50,696.47
707.50
449,976.11
64,895.87
551.99
429,069.63
57,400.80
462.77
296,125.58
35,756.32
395.99
104,428.39
29,906.04
284.50
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of Axis Bank
------------------- 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
Other Income
Total Income
Expenditure
27,182.57
6,551.11
33,733.68
21,994.65
5,420.22
27,414.87
15,154.81
4,632.13
19,786.94
11,638.02
3,945.78
15,583.80
10,835.49
2,896.88
13,732.37
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
17,516.31
2,376.98
0.00
351.73
8,309.22
0.00
6,914.23
4,123.70
28,554.24
Mar '13
13,976.90
2,080.17
2,478.47
342.24
4,294.88
0.00
6,867.53
2,328.23
23,172.66
Mar '12
8,591.82
1,613.90
2,406.59
289.59
3,496.55
0.00
5,734.55
2,072.08
16,398.45
Mar '11
6,633.53
1,255.82
2,443.05
234.32
2,502.55
0.00
5,066.76
1,368.98
13,069.27
Mar '10
7,149.27
997.66
1,572.83
188.67
2,008.57
0.00
3,590.42
1,177.31
11,917.00
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
5,179.43
4,242.21
3,388.49
2,514.53
1,815.36
0.00
7,329.45
12,508.88
0.00
4,969.77
9,211.98
0.00
3,427.43
6,815.92
0.00
2,348.09
4,862.62
0.00
1,553.87
3,369.23
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
0.00
987.24
0.00
0.00
770.07
0.00
0.00
670.36
0.00
0.00
567.45
0.00
0.00
420.52
0.00
110.68
102.67
82.54
62.06
50.57
Equity Dividend (%)
Book Value (Rs)
Appropriations
180.00
707.50
160.00
551.99
140.00
462.77
120.00
395.99
100.00
284.50
1,492.38
0.00
987.24
10,029.26
12,508.88
1,112.46
0.00
770.07
7,329.45
9,211.98
836.95
338.84
670.36
4,969.77
6,815.92
867.43
0.31
567.45
3,427.43
4,862.62
600.62
0.00
420.52
2,348.09
3,369.23
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of Axis Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
10.00
18.00
66.33
580.88
---
10.00
16.00
157.89
654.06
431.32
--
10.00
14.00
129.26
471.17
373.06
--
10.00
12.00
97.29
380.27
325.87
--
10.00
10.00
83.56
377.46
230.47
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-16.39
15.35
68.55
15.64
15.64
707.50
707.50
3.91
16.69
15.51
88.75
18.59
18.51
551.99
551.99
3.73
18.71
17.20
72.29
17.83
17.87
462.77
462.77
3.95
17.63
16.10
66.34
15.67
15.69
395.99
395.99
4.24
14.76
13.31
97.35
17.77
17.85
284.50
284.50
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
8.68
3.09
2.09
5.59
2.10
2.97
1.65
0.32
10.77
5.59
0.09
0.09
10.23
4.94
0.12
5.29
2.47
2.46
1.61
0.17
10.35
5.29
0.10
0.11
9.14
5.08
0.17
4.06
2.57
2.54
1.60
0.16
9.30
4.06
0.09
0.09
9.38
5.34
0.12
4.04
2.94
2.38
1.53
0.17
9.51
4.04
0.09
0.10
10.53
4.98
0.06
5.56
2.64
2.25
1.41
0.19
10.60
5.56
0.11
0.11
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
64.44
19.42
19.45
--
63.55
1.14
23.87
0.32
56.69
1.78
27.65
0.40
57.00
1.30
30.96
0.30
65.98
0.60
24.95
0.34
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
17.00
--
13.66
72.29
12.65
76.16
15.80
72.96
13.69
73.87
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
35.91
43.77
5.39
7.63
0.55
76.26
40.35
6.01
9.65
0.49
74.65
38.71
7.07
9.96
0.66
71.87
39.55
7.30
8.81
1.62
68.89
39.04
8.16
11.49
1.43
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.32
1.33
1.43
1.41
1.28
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.77
20.10
0.03
21.63
0.02
19.60
0.03
19.19
0.03
9.52
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
19.06
17.84
80.94
82.16
45.67
18.15
16.79
81.77
83.13
48.22
19.78
18.22
80.26
81.81
51.35
22.56
20.64
77.47
79.39
51.33
23.16
20.98
76.94
79.11
58.33
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
110.68
707.50
102.67
551.99
82.54
462.77
62.06
395.99
50.57
284.50
Earnings Per Share
Book Value
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
373.30
373.30
0.00
0.00
9,091.19
0.00
9,464.49
370.34
370.34
0.00
0.00
7,610.41
0.00
7,980.75
368.44
368.44
0.00
0.00
6,464.95
0.00
6,833.39
348.14
348.14
0.00
0.00
4,191.78
0.00
4,539.92
345.67
345.67
0.00
0.00
3,559.86
0.00
3,905.53
Deposits
Borrowings
Total Debt
51,028.77
20,410.62
71,439.39
38,536.52
16,595.52
55,132.04
29,260.97
11,723.95
40,984.92
23,886.47
6,140.51
30,026.98
15,644.93
5,904.07
21,549.00
Other Liabilities & Provisions
Total Liabilities
2,789.81
83,693.69
Mar '13
2,553.67
65,666.46
Mar '12
3,032.36
50,850.67
Mar '11
2,869.42
37,436.32
Mar '10
3,257.34
28,711.87
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
2,207.90
1,481.26
48,468.98
28,873.43
2,016.49
618.06
39,079.23
21,566.81
2,107.72
363.26
29,329.31
17,121.44
2,085.67
214.59
20,775.05
12,512.66
995.35
145.32
16,625.34
9,110.18
464.42
0.00
464.42
955.41
505.45
449.96
831.80
406.20
425.60
745.34
317.69
427.65
460.61
247.25
213.36
Capital Work In Progress
Other Assets
Total Assets
0.00
2,197.69
83,693.68
0.00
1,935.91
65,666.46
0.00
1,503.33
50,850.66
0.00
1,420.69
37,436.31
0.00
1,622.33
28,711.88
Contingent Liabilities
Bills for collection
Book Value (Rs)
22,830.81
6,470.50
126.77
17,319.52
6,166.00
107.75
12,291.30
4,470.06
92.74
4,156.15
3,063.64
130.40
4,486.28
1,188.17
112.98
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account 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
Interest Earned
Other Income
Total Income
Expenditure
8,042.49
1,160.66
9,203.15
6,180.24
848.42
7,028.66
4,303.56
507.56
4,811.12
3,255.62
420.97
3,676.59
3,065.14
157.56
3,222.70
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
4,836.82
1,075.14
0.00
132.53
1,797.95
0.00
2,209.73
795.89
7,842.44
Mar '13
3,667.75
902.36
542.71
116.76
714.03
0.00
1,754.66
521.20
5,943.61
Mar '12
2,058.49
783.83
487.82
98.27
564.53
0.00
1,528.58
405.87
3,992.94
Mar '11
1,397.48
583.48
648.07
90.00
396.47
0.00
1,447.42
270.60
3,115.50
Mar '10
1,546.60
583.63
552.91
69.56
193.91
0.00
1,333.60
66.41
2,946.61
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
Net Profit for the Year
1,360.72
1,085.05
818.18
561.11
276.10
Extraordionary Items
Profit brought forward
Total
0.00
2,162.79
3,523.51
0.00
1,494.52
2,579.57
0.00
965.91
1,784.09
2.01
648.94
1,212.06
0.00
528.17
804.27
0.00
52.38
7.29
0.00
44.49
7.22
0.00
36.88
4.37
0.00
29.66
0.00
0.00
25.96
1.86
18.23
14.65
11.10
16.12
7.99
14.00
126.77
12.00
107.75
10.00
92.74
8.50
130.40
7.50
112.98
379.20
68.04
59.67
3,016.60
3,523.51
310.81
54.26
51.71
2,162.79
2,579.57
207.41
40.91
41.25
1,494.52
1,784.09
188.43
28.06
29.66
965.91
1,212.06
113.70
13.80
27.82
648.94
804.26
Income
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of Kotak Mahindra Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
5.00
0.70
15.11
107.72
-49.55
5.00
0.60
23.31
94.94
87.75
49.94
5.00
0.50
16.97
64.31
76.84
50.20
10.00
0.85
25.88
105.01
102.80
53.13
10.00
0.75
13.08
94.39
89.63
53.51
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-16.22
14.78
65.48
14.37
14.37
126.77
126.77
6.36
17.04
15.39
65.99
13.59
13.58
107.75
107.75
6.83
19.26
17.19
47.50
11.97
11.97
92.74
92.74
8.11
17.76
15.23
48.71
12.35
12.42
130.40
130.40
8.31
10.45
8.35
50.50
7.06
7.06
112.98
112.98
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
10.77
4.29
1.55
6.48
2.78
2.89
1.82
0.41
12.32
6.48
0.11
0.11
12.07
5.78
0.02
6.30
2.81
2.79
1.86
0.21
12.09
6.30
0.12
0.13
10.74
6.07
0.04
4.66
3.24
2.65
1.85
0.19
10.78
4.66
0.11
0.12
11.05
6.83
0.08
4.23
4.10
2.53
1.70
0.20
11.13
4.23
0.11
0.12
11.44
6.02
0.15
5.42
4.43
1.49
0.97
0.20
11.59
5.42
0.11
0.13
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
60.14
12.61
22.57
--
59.35
0.20
23.25
1.86
47.83
0.40
30.06
2.17
42.93
0.71
36.87
1.47
50.46
1.27
38.25
2.04
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
16.05
--
17.52
81.32
19.92
82.60
18.35
80.56
20.01
77.16
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
43.63
56.32
4.72
5.39
0.47
100.90
57.06
6.08
4.83
0.47
94.27
55.76
7.89
4.28
0.62
94.61
54.70
7.79
5.26
1.66
100.34
56.92
8.44
4.01
1.32
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.31
1.33
1.45
1.47
1.22
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.94
18.95
0.05
16.85
0.05
10.86
0.05
8.46
0.09
5.91
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
4.38
3.99
95.62
96.01
34.17
4.76
4.30
95.24
95.70
32.08
5.04
4.50
94.96
95.50
31.93
5.28
4.55
94.75
95.47
36.52
10.07
8.04
89.92
91.95
45.30
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
18.23
126.77
14.65
107.75
11.10
92.74
16.12
130.40
7.99
112.98
Earnings Per Share
Book Value
Balance Sheet of ICICI Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
1,153.64
1,153.64
4.48
0.00
65,547.84
0.00
66,705.96
1,152.77
1,152.77
2.39
0.00
59,250.09
0.00
60,405.25
1,151.82
1,151.82
0.29
0.00
53,938.82
0.00
55,090.93
1,114.89
1,114.89
0.00
0.00
50,503.48
0.00
51,618.37
1,463.29
1,113.29
0.00
350.00
48,419.73
0.00
49,883.02
Deposits
Borrowings
Total Debt
292,613.63
145,341.49
437,955.12
255,499.96
140,164.91
395,664.87
225,602.11
109,554.28
335,156.39
202,016.60
94,263.57
296,280.17
218,347.82
67,323.69
285,671.51
Other Liabilities & Provisions
Total Liabilities
32,133.60
536,794.68
Mar '13
17,576.98
473,647.10
Mar '12
15,986.35
406,233.67
Mar '11
15,501.18
363,399.72
Mar '10
43,746.43
379,300.96
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
19,052.73
22,364.79
290,249.44
171,393.60
20,461.29
15,768.02
253,727.66
159,560.04
20,906.97
13,183.11
216,365.90
134,685.96
27,514.29
11,359.40
181,205.60
120,892.80
17,536.33
12,430.23
218,310.85
103,058.31
4,647.06
0.00
4,647.06
9,424.39
4,809.70
4,614.69
9,107.47
4,363.21
4,744.26
7,114.12
3,901.43
3,212.69
7,443.71
3,642.09
3,801.62
Capital Work In Progress
Other Assets
Total Assets
0.00
29,087.07
536,794.69
0.00
19,515.39
473,647.09
0.00
16,347.47
406,233.67
0.00
19,214.93
363,399.71
0.00
24,163.62
379,300.96
Contingent Liabilities
Bills for collection
Book Value (Rs)
727,858.44
74,512.60
578.21
858,566.64
64,457.72
524.01
883,774.77
47,864.06
478.31
694,948.84
38,597.36
463.01
803,991.92
36,678.71
444.94
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of ICICI Bank
------------------- 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
Other Income
Total Income
Expenditure
40,075.60
8,345.70
48,421.30
33,542.65
7,908.10
41,450.75
25,974.05
7,108.91
33,082.96
25,706.93
7,292.43
32,999.36
31,092.55
8,117.76
39,210.31
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
26,209.18
3,893.29
0.00
490.16
9,503.20
0.00
9,012.89
4,873.76
40,095.83
Mar '13
22,808.50
3,515.28
2,888.22
524.53
5,248.97
0.00
8,843.63
3,333.37
34,985.50
Mar '12
16,957.15
2,816.93
3,785.13
562.44
3,809.93
0.00
8,594.16
2,380.27
27,931.58
Mar '11
17,592.57
1,925.79
6,056.48
619.50
2,780.03
0.00
10,221.99
1,159.81
28,974.37
Mar '10
22,725.93
1,971.70
5,977.72
678.60
4,098.22
0.00
10,795.14
1,931.10
35,452.17
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
8,325.47
6,465.26
5,151.38
4,024.98
3,758.13
-0.25
7,054.23
15,379.45
-0.43
5,018.18
11,483.01
-2.17
3,464.38
8,613.59
-0.09
2,809.65
6,834.54
-0.58
2,436.32
6,193.87
0.00
2,307.23
292.16
0.00
1,902.04
220.35
0.00
1,612.58
202.28
0.00
1,337.86
164.04
0.00
1,224.58
151.21
72.17
56.09
44.73
36.10
33.76
200.00
578.21
165.00
524.01
140.00
478.31
120.00
463.01
110.00
444.94
2,877.78
0.00
2,599.39
9,902.29
15,379.46
2,306.07
0.32
2,122.39
7,054.23
11,483.01
1,780.29
0.26
1,814.86
5,018.18
8,613.59
1,867.22
1.04
1,501.90
3,464.38
6,834.54
2,008.42
0.01
1,375.79
2,809.65
6,193.87
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of ICICI Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
10.00
20.00
46.32
347.40
---
10.00
16.50
76.15
346.19
376.49
--
10.00
14.00
64.08
281.04
358.12
--
10.00
12.00
49.80
293.74
356.94
--
10.00
11.00
48.58
343.59
351.04
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-18.20
17.19
51.77
12.48
12.48
578.21
578.21
4.44
17.45
16.14
52.09
10.70
10.70
524.01
524.01
4.01
17.52
15.91
42.97
9.35
9.27
478.31
478.31
5.66
13.64
12.17
44.72
7.79
7.53
463.01
463.01
3.66
11.45
9.74
56.72
7.58
7.55
444.94
444.94
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
7.93
2.74
1.65
5.19
1.69
2.61
1.65
0.34
9.58
5.19
0.08
0.08
9.07
3.89
0.03
5.18
1.89
1.91
1.47
0.18
9.10
5.18
0.09
0.09
8.41
4.01
-4.41
2.09
1.77
1.34
0.17
8.41
4.41
0.08
0.09
8.82
4.08
0.08
4.74
2.59
1.41
1.08
0.17
8.90
4.74
0.09
0.10
9.82
3.99
0.08
5.83
2.60
1.30
0.96
0.18
9.90
5.83
0.10
0.11
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
65.40
17.24
17.60
--
68.00
0.37
20.77
0.73
65.29
0.02
24.81
0.94
68.44
0.92
29.05
0.72
73.09
0.86
26.22
1.74
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
18.74
--
18.52
65.30
19.54
64.96
19.41
58.57
15.53
69.86
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
43.54
60.38
7.21
4.39
0.52
92.23
61.16
8.60
4.23
0.39
87.81
59.77
11.32
4.10
0.44
90.04
53.28
10.72
3.91
0.33
91.44
46.35
10.14
4.42
0.25
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.34
1.31
1.34
1.26
1.20
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.98
10.53
0.13
16.71
0.11
15.86
0.14
14.70
0.13
5.94
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
31.22
29.48
68.78
70.52
33.19
32.82
30.36
67.19
69.65
36.54
35.23
31.76
64.49
68.01
39.77
37.31
32.33
61.40
66.70
44.79
36.60
31.00
63.23
68.87
49.41
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
72.17
578.21
56.09
524.01
44.73
478.31
36.10
463.01
33.76
444.94
Earnings Per Share
Book Value
Balance Sheet of HDFC Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
475.88
475.88
0.00
0.00
35,738.26
0.00
36,214.14
469.34
469.34
0.30
0.00
29,455.04
0.00
29,924.68
465.23
465.23
0.00
0.00
24,914.04
0.00
25,379.27
457.74
457.74
0.00
0.00
21,064.75
0.00
21,522.49
425.38
425.38
400.92
0.00
14,226.43
0.00
15,052.73
Deposits
Borrowings
Total Debt
296,246.98
33,006.60
329,253.58
246,706.45
23,846.51
270,552.96
208,586.41
14,394.06
222,980.47
167,404.44
12,915.69
180,320.13
142,811.58
2,685.84
145,497.42
Other Liabilities & Provisions
Total Liabilities
34,864.17
400,331.89
Mar '13
37,431.87
337,909.51
Mar '12
28,992.86
277,352.60
Mar '11
20,615.94
222,458.56
Mar '10
22,720.62
183,270.77
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
14,627.40
12,652.77
239,720.64
111,613.60
14,991.09
5,946.63
195,420.03
97,482.91
25,100.82
4,568.02
159,982.67
70,929.37
15,483.28
14,459.11
125,830.59
58,607.62
13,527.21
3,979.41
98,883.05
58,817.55
6,865.45
4,162.37
2,703.08
5,930.24
3,583.05
2,347.19
5,244.21
3,073.56
2,170.65
4,707.97
2,585.16
2,122.81
3,956.63
2,249.90
1,706.73
Capital Work In Progress
Other Assets
Total Assets
0.00
19,014.41
400,331.90
0.00
21,721.64
337,909.49
0.00
14,601.08
277,352.61
0.00
5,955.15
222,458.56
0.00
6,356.83
183,270.78
Contingent Liabilities
Bills for collection
Book Value (Rs)
698,062.89
48,163.51
152.20
844,374.61
39,610.71
127.52
559,681.87
28,869.10
545.53
466,236.24
20,940.13
470.19
396,594.31
17,939.62
344.44
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of HDFC Bank
------------------- 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
Other Income
Total Income
Expenditure
35,064.87
6,852.62
41,917.49
27,286.35
5,333.41
32,619.76
19,928.21
4,433.51
24,361.72
16,172.90
3,810.62
19,983.52
16,332.26
3,470.63
19,802.89
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
19,253.75
3,965.38
0.00
651.67
11,320.41
0.00
11,236.12
4,701.34
35,191.21
Mar '13
14,989.58
3,399.91
2,647.25
542.52
5,873.42
0.00
9,241.64
3,221.46
27,452.68
Mar '12
9,385.08
2,836.04
2,510.82
497.41
5,205.97
0.00
8,045.36
3,004.88
20,435.32
Mar '11
7,786.30
2,289.18
3,395.83
394.39
3,169.12
0.00
7,703.41
1,545.11
17,034.82
Mar '10
8,911.10
2,238.20
2,851.26
359.91
3,197.49
0.00
7,290.66
1,356.20
17,557.96
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
6,726.28
5,167.09
3,926.40
2,948.70
2,244.94
-4.47
8,399.65
15,121.46
-2.12
6,174.24
11,339.21
-2.65
4,532.79
8,456.54
-0.93
3,455.57
6,403.34
-0.59
2,574.63
4,818.98
0.00
1,309.08
222.48
0.00
1,009.08
163.70
0.00
767.62
124.53
0.00
549.29
91.23
0.00
425.38
72.29
28.27
22.02
84.40
64.42
52.77
275.00
152.20
215.00
127.52
165.00
545.53
120.00
470.19
100.00
344.44
1,785.08
672.63
1,531.56
11,132.18
15,121.45
1,250.08
516.70
1,172.78
8,399.65
11,339.21
997.52
392.64
892.15
6,174.24
8,456.55
935.15
294.87
640.52
4,532.79
6,403.33
641.25
224.50
497.67
3,455.57
4,818.99
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of HDFC Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
2.00
5.50
21.97
147.37
---
2.00
4.30
37.71
138.66
97.01
--
10.00
16.50
160.36
524.34
419.10
--
10.00
12.00
106.25
436.03
363.55
--
10.00
10.00
92.36
464.77
252.37
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-17.60
16.04
80.78
18.57
18.57
152.20
152.20
5.80
17.59
15.93
76.06
17.26
17.26
127.52
127.52
5.95
18.13
16.09
59.91
15.47
15.47
545.53
545.53
5.89
16.71
14.76
56.08
13.70
13.68
470.19
470.19
6.98
13.15
11.35
83.31
15.32
15.29
344.44
344.44
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
9.50
4.28
1.86
5.22
2.87
3.10
1.82
0.36
11.36
5.22
0.10
0.11
10.58
5.70
-0.03
4.87
2.83
2.67
1.68
0.18
10.54
4.87
0.11
0.12
9.76
6.01
-3.76
3.02
2.79
1.57
0.17
9.76
3.76
0.10
0.11
9.84
6.00
0.01
3.84
3.60
2.21
1.45
0.18
9.85
3.84
0.10
0.11
12.50
6.86
-5.63
4.38
2.26
1.42
0.24
12.50
5.63
0.13
0.14
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
54.91
16.35
25.25
--
54.93
-0.32
26.82
0.46
47.09
-30.94
0.65
48.14
0.09
36.59
0.41
54.56
-35.06
0.54
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
16.80
--
16.52
79.19
16.22
79.34
17.44
77.24
15.69
78.87
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
35.99
38.51
5.46
8.18
0.63
78.06
36.99
8.81
8.24
0.58
76.02
34.45
10.79
8.22
0.79
72.44
37.85
9.35
7.78
0.63
66.64
44.43
10.71
9.75
0.44
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.38
1.38
1.47
1.43
1.29
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.78
7.84
0.08
6.20
0.06
6.89
0.03
7.14
0.04
5.23
22.76
20.75
77.24
79.25
40.15
22.69
20.54
77.30
79.46
43.22
22.72
20.16
77.29
79.84
47.14
21.72
19.15
78.25
80.82
50.14
22.16
19.10
77.79
80.87
54.91
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
28.27
152.20
22.02
127.52
84.40
545.53
64.42
470.19
52.77
344.44
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
Earnings Per Share
Book Value
Balance Sheet of Axis Bank
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
467.95
467.95
0.00
0.00
32,639.91
0.00
33,107.86
413.20
413.20
0.00
0.00
22,395.34
0.00
22,808.54
410.55
410.55
0.00
0.00
18,588.28
0.00
18,998.83
405.17
405.17
0.17
0.00
15,639.27
0.00
16,044.61
359.01
359.01
1.21
0.00
9,854.58
0.00
10,214.80
Deposits
Borrowings
Total Debt
252,613.59
43,951.10
296,564.69
220,104.30
34,071.67
254,175.97
189,237.80
26,267.88
215,505.68
141,300.22
17,169.55
158,469.77
117,374.11
10,185.48
127,559.59
Other Liabilities & Provisions
Total Liabilities
10,888.11
340,560.66
Mar '13
8,643.27
285,627.78
Mar '12
8,208.86
242,713.37
Mar '11
6,133.46
180,647.84
Mar '10
9,947.67
147,722.06
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
14,792.09
5,642.87
196,965.96
113,737.54
10,702.92
3,230.99
169,759.54
93,192.09
13,886.16
7,522.49
142,407.83
71,991.62
9,473.88
5,732.56
104,343.12
55,974.82
9,419.21
5,597.69
81,556.77
46,330.35
2,355.64
0.00
2,355.64
3,583.67
1,395.12
2,188.55
3,426.49
1,176.03
2,250.46
2,107.98
942.79
1,165.19
1,741.86
726.45
1,015.41
Capital Work In Progress
Other Assets
Total Assets
0.00
7,066.56
340,560.66
70.77
6,482.93
285,627.79
22.69
4,632.12
242,713.37
57.24
3,901.06
180,647.87
57.48
3,745.15
147,722.06
Contingent Liabilities
Bills for collection
Book Value (Rs)
525,314.30
50,696.47
707.50
449,976.11
64,895.87
551.99
429,069.63
57,400.80
462.77
296,125.58
35,756.32
395.99
104,428.39
29,906.04
284.50
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Profit & Loss account of Axis Bank
------------------- 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
Other Income
Total Income
Expenditure
27,182.57
6,551.11
33,733.68
21,994.65
5,420.22
27,414.87
15,154.81
4,632.13
19,786.94
11,638.02
3,945.78
15,583.80
10,835.49
2,896.88
13,732.37
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
17,516.31
2,376.98
0.00
351.73
8,309.22
0.00
6,914.23
4,123.70
28,554.24
Mar '13
13,976.90
2,080.17
2,478.47
342.24
4,294.88
0.00
6,867.53
2,328.23
23,172.66
Mar '12
8,591.82
1,613.90
2,406.59
289.59
3,496.55
0.00
5,734.55
2,072.08
16,398.45
Mar '11
6,633.53
1,255.82
2,443.05
234.32
2,502.55
0.00
5,066.76
1,368.98
13,069.27
Mar '10
7,149.27
997.66
1,572.83
188.67
2,008.57
0.00
3,590.42
1,177.31
11,917.00
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
5,179.43
4,242.21
3,388.49
2,514.53
1,815.36
0.00
7,329.45
12,508.88
0.00
4,969.77
9,211.98
0.00
3,427.43
6,815.92
0.00
2,348.09
4,862.62
0.00
1,553.87
3,369.23
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
0.00
987.24
0.00
0.00
770.07
0.00
0.00
670.36
0.00
0.00
567.45
0.00
0.00
420.52
0.00
110.68
102.67
82.54
62.06
50.57
Equity Dividend (%)
Book Value (Rs)
Appropriations
180.00
707.50
160.00
551.99
140.00
462.77
120.00
395.99
100.00
284.50
1,492.38
0.00
987.24
10,029.26
12,508.88
1,112.46
0.00
770.07
7,329.45
9,211.98
836.95
338.84
670.36
4,969.77
6,815.92
867.43
0.31
567.45
3,427.43
4,862.62
600.62
0.00
420.52
2,348.09
3,369.23
Income
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Key Financial Ratios of Axis Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
10.00
18.00
66.33
580.88
---
10.00
16.00
157.89
654.06
431.32
--
10.00
14.00
129.26
471.17
373.06
--
10.00
12.00
97.29
380.27
325.87
--
10.00
10.00
83.56
377.46
230.47
--
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-16.39
15.35
68.55
15.64
15.64
707.50
707.50
3.91
16.69
15.51
88.75
18.59
18.51
551.99
551.99
3.73
18.71
17.20
72.29
17.83
17.87
462.77
462.77
3.95
17.63
16.10
66.34
15.67
15.69
395.99
395.99
4.24
14.76
13.31
97.35
17.77
17.85
284.50
284.50
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
8.68
3.09
2.09
5.59
2.10
2.97
1.65
0.32
10.77
5.59
0.09
0.09
10.23
4.94
0.12
5.29
2.47
2.46
1.61
0.17
10.35
5.29
0.10
0.11
9.14
5.08
0.17
4.06
2.57
2.54
1.60
0.16
9.30
4.06
0.09
0.09
9.38
5.34
0.12
4.04
2.94
2.38
1.53
0.17
9.51
4.04
0.09
0.10
10.53
4.98
0.06
5.56
2.64
2.25
1.41
0.19
10.60
5.56
0.11
0.11
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
64.44
19.42
19.45
--
63.55
1.14
23.87
0.32
56.69
1.78
27.65
0.40
57.00
1.30
30.96
0.30
65.98
0.60
24.95
0.34
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
17.00
--
13.66
72.29
12.65
76.16
15.80
72.96
13.69
73.87
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
35.91
43.77
5.39
7.63
0.55
76.26
40.35
6.01
9.65
0.49
74.65
38.71
7.07
9.96
0.66
71.87
39.55
7.30
8.81
1.62
68.89
39.04
8.16
11.49
1.43
Investment Valuation Ratios
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
1.32
1.33
1.43
1.41
1.28
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.77
20.10
0.03
21.63
0.02
19.60
0.03
19.19
0.03
9.52
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
19.06
17.84
80.94
82.16
45.67
18.15
16.79
81.77
83.13
48.22
19.78
18.22
80.26
81.81
51.35
22.56
20.64
77.47
79.39
51.33
23.16
20.98
76.94
79.11
58.33
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
110.68
707.50
102.67
551.99
82.54
462.77
62.06
395.99
50.57
284.50
Earnings Per Share
Book Value
