Balance Sheet of IndusInd Bank
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8/6/2019 Balance Sheet of IndusInd Bank
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Balance Sheet of IndusInd Bank ------------------- in Rs. Cr. -------------------
Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Capital and Liabilities:
Total Share Capital 290.51 320.00 320.00 355.19 410.65
Equity Share Capital 290.51 320.00 320.00 355.19 410.65
Share Application Money 0.00 0.00 0.51 1.15 2.20
Preference Share Capital 0.00 0.00 0.00 0.00 0.00
Reserves 575.55 736.79 789.39 1,072.42 1,752.75
Revaluation Reserves 0.00 0.00 239.81 235.63 231.63
Net Worth 866.06 1,056.79 1,349.71 1,664.39 2,397.23
Deposits 15,006.30 17,644.80 19,037.42 22,110.25 26,710.17
Borrowings 534.95 592.51 1,095.43 1,856.46 4,934.29
Total Debt 15,541.25 18,237.31 20,132.85 23,966.71 31,644.46Other Liabilities & Provisions 1,215.21 1,633.04 1,779.31 1,983.58 1,327.83
Total Liabilities 17,622.52 20,927.14 23,261.87 27,614.68 35,369.52
Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Assets
Cash & Balances with RBI 604.09 1,021.17 1,526.26 1,190.79 2,099.18
Balance with Banks, Money at Call 876.42 1,574.23 651.77 732.90 504.00
Advances 9,310.46 11,084.20 12,795.31 15,770.64 20,550.59
Investments 5,409.90 5,891.66 6,629.70 8,083.41 10,401.84Gross Block 617.89 675.07 969.93 1,006.65 1,054.02
Accumulated Depreciation 281.40 314.29 354.41 397.41 427.02
Net Block 336.49 360.78 615.52 609.24 627.00
Capital Work In Progress 3.10 8.79 9.63 13.95 17.83
Other Assets 1,082.06 986.32 1,033.70 1,213.75 1,169.08
Total Assets 17,622.52 20,927.15 23,261.89 27,614.68 35,369.52
Contingent Liabilities 15,258.11 18,493.36 28,301.60 42,279.08 45,317.82
Bills for collection 1,578.36 3,729.74 4,441.53 2,020.09 5,895.67
Book Value (Rs) 29.83 33.04 34.69 40.21 52.71
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Profit & Loss account ------------------- in Rs. Cr. -------------------
Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Income
Interest Earned 1,188.28 1,500.25 1,920.23 2,309.47 2,706.99
Other Income 139.80 284.25 297.58 456.25 553.48
Total Income 1,328.08 1,784.50 2,217.81 2,765.72 3,260.47
Expenditure
Interest expended 873.19 1,228.85 1,579.86 1,850.44 1,820.58
Employee Cost 84.79 96.29 121.90 187.14 290.56
Selling and Admin Expenses 94.90 150.28 173.18 279.33 313.90
Depreciation 35.99 34.09 40.16 44.17 45.29
Miscellaneous Expenses 202.39 206.78 227.66 256.30 439.84
Preoperative Exp Capitalised 0.00 0.00 0.00 0.00 0.00Operating Expenses 320.61 399.88 463.10 672.32 867.28
Provisions & Contingencies 97.46 87.56 99.80 94.62 222.31
Total Expenses 1,291.26 1,716.29 2,142.76 2,617.38 2,910.17
Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
12 mths 12 mths 12 mths 12 mths 12 mths
Net Profit for the Year 36.82 68.22 75.05 148.34 350.31
Extraordionary Items 0.00 -0.99 0.00 0.00 0.00
Profit brought forward 0.00 0.00 0.00 242.99 247.00
Total 36.82 67.23 75.05 391.33 597.31Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 19.19 19.19 44.71 73.88
Corporate Dividend Tax 0.00 3.26 3.26 7.60 12.27
Per share data (annualised)
Earning Per Share (Rs) 1.27 2.13 2.35 4.18 8.53
Equity Dividend (%) 0.00 6.00 6.00 12.00 18.00
Book Value (Rs) 29.83 33.04 34.69 40.21 52.71
Appropriations
Transfer to Statutory Reserves -68.27 19.27 21.00 92.02 119.64
Transfer to Other Reserves 0.00 0.00 0.00 0.00 0.00
Proposed Dividend/Transfer to Govt 0.00 22.45 22.45 52.31 86.15
Balance c/f to Balance Sheet 105.09 25.50 31.60 247.00 391.51
Total 36.82 67.22 75.05 391.33 597.30
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Cash Flow ------------------- in Rs. Cr. -------------------
Mar '05 Mar '06 Mar '07 Mar '08 Mar '09
12 mths 12 mths 12 mths 12 mths 12 mths
Net Profit Before Tax 210.15 36.82 67.22 75.05 148.34
Net Cash From Operating Activities -1045.13 261.45 826.72 -327.11 -389.85
Net Cash (used in)/fromInvesting Activities
-67.81 -43.55 -64.68 -41.23 -48.99
Net Cash (used in)/from FinancingActivities
96.54 108.01 352.86 -49.03 184.50
Net (decrease)/increase In Cashand Cash Equivalents
-1016.40 325.91 1114.90 -417.37 -254.34
Opening Cash & Cash Equivalents 2170.99 1154.59 1480.50 2595.40 2178.03
Closing Cash & Cash Equivalents 1154.59 1480.50 2595.40 2178.03 1923.69
Capital Structure
Period Instrument --- CAPITAL (Rs. cr) --- - P A I D U P -
From To Authorised Issued Shares (nos) Face Value Capital
2009 2010 Equity Share 214.75 214.75 410454640 10 214.75
2008 2009 Equity Share 214.75 214.75 355000000 10 214.75
2007 2008 Equity Share 214.75 214.75 319807936 10 214.75
2006 2007 Equity Share 214.75 214.75 319807936 10 214.75
2005 2006 Equity Share 214.75 214.75 290317636 10 214.75
2004 2005 Equity Share 214.75 214.75 290317636 10 214.75
2003 2004 Equity Share 214.75 214.75 220226983 10 214.75
2002 2003 Equity Share 214.75 214.75 120226983 10 120.23
2001 2002 Equity Share 214.75 160 160000000 10 160
2000 2001 Equity Share 214.75 160 160000000 10 160
1999 2000 Equity Share 214.75 160 160000000 10 160
1998 1999 Equity Share 214.75 160 160000000 10 160
1997 1998 Equity Share 214.75 160 160000000 10 160
1995 1997 Equity Share 214.75 120 120000000 10 120
1994 1995 Equity Share 214.75 120 100000000 10 100
ey Financial Ratios of IndusInd Bank ------------------- in Rs. Cr. -------------------
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Mar '06 Mar '07 Mar '08 Mar '09 Mar '10
Investment Valuation Ratios
Face Value 10.00 10.00 10.00 10.00 10.00
Dividend Per Share -- 0.60 0.60 1.20 1.80
Operating Profit Per Share (Rs) 2.55 -0.95 0.24 4.77 11.13
Net Operating Profit Per Share (Rs) 42.43 48.91 62.87 74.59 75.51
Free Reserves Per Share (Rs) 16.66 19.57 20.55 23.90 34.33
Bonus in Equity Capital -- -- -- -- --
Profitability RatiosInterest Spread 4.25 3.64 4.12 4.97 6.07
Adjusted Cash Margin(%) 5.99 7.34 5.32 7.97 13.03
Net Profit Margin 2.85 3.79 3.45 5.29 10.63
Return on Long Term Fund(%) 108.15 129.05 152.76 147.69 110.36
Return on Net Worth(%) 4.34 7.10 6.76 10.39 16.19
Adjusted Return on Net Worth(%) 4.75 9.07 6.82 12.53 17.76
Return on Assets Excluding Revaluations 0.21 33.04 34.69 40.21 52.71
Return on Assets Including Revaluations 0.21 33.04 42.19 46.85 58.35
Management Efficiency Ratios
Interest Income / Total Funds 7.41 8.12 9.15 10.51 9.91
Net Interest Income / Total Funds 2.16 1.74 1.96 3.16 4.09
Non Interest Income / Total Funds 0.33 1.07 0.75 0.60 0.63
Interest Expended / Total Funds 5.25 6.38 7.19 7.34 5.82
Operating Expense / Total Funds 1.71 1.90 1.92 2.49 2.63
Profit Before Provisions / Total Funds 0.56 0.73 0.60 1.10 1.94
Net Profit / Total Funds 0.22 0.35 0.34 0.59 1.12
Loans Turnover 0.13 0.15 0.17 0.19 0.17
Total Income / Capital Employed(%) 7.75 9.18 9.90 11.11 10.54
Interest Expended / Capital Employed(%) 5.25 6.38 7.19 7.34 5.82
Total Assets Turnover Ratios 0.07 0.08 0.09 0.11 0.10
Asset Turnover Ratio 1.99 2.32 2.07 2.63 2.94Profit And Loss Account Ratios
Interest Expended / Interest Earned 73.48 81.91 82.27 80.12 67.25
Other Income / Total Income 4.32 11.61 7.57 5.41 5.93
Operating Expense / Total Income 22.11 20.67 19.44 22.44 24.95
Selling Distribution Cost Composition 0.66 0.21 0.10 0.58 0.20
Balance Sheet Ratios
Capital Adequacy Ratio 10.54 12.54 11.91 12.33 15.33
Advances / Loans Funds(%) 63.63 65.63 66.69 71.52 73.91
Debt Coverage Ratios
Credit Deposit Ratio 65.11 62.46 65.10 69.42 74.40
Investment Deposit Ratio 33.71 34.61 34.13 35.76 37.86
Cash Deposit Ratio 4.41 4.98 6.94 6.60 6.74
Total Debt to Owners Fund 17.33 16.70 17.16 15.49 12.35
Financial Charges Coverage Ratio 1.15 1.14 1.11 1.17 1.36
Financial Charges Coverage Ratio Post Tax 1.08 1.08 1.07 1.10 1.22
Leverage Ratios
Current Ratio 0.07 0.05 0.05 0.05 0.04
Quick Ratio 9.05 8.02 8.63 9.16 17.94
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit -- 33.39 29.91 35.26 24.59
Dividend Payout Ratio Cash Profit -- 22.15 19.48 27.17 21.77Earning Retention Ratio 100.00 76.59 70.36 70.78 77.59
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competition
Last Price Market Cap.(Rs. cr.)
Net InterestIncome
Net Profit Total Asse
ICICI Bank 1,086.10 125,094.00 25,974.05 5,151.38 363,399.
HDFC Bank 2,399.55 111,633.23 19,928.21 3,926.39 222,458.
Axis Bank 1,282.50 52,699.15 15,154.81 3,388.49 242,713.
Kotak Mahindra 441.45 32,529.19 4,303.56 818.18 37,436.
IndusInd Bank 264.05 12,303.94 3,589.36 577.32 35,369.
YES BANK 300.80 10,442.19 4,041.74 727.13 36,382.
Federal Bank 443.85 7,588.27 4,052.03 587.08 43,675.
Karur Vysya 411.40 4,389.38 2,217.69 415.59 21,993.
ING Vysya Bank 338.30 4,092.98 2,694.06 318.65 33,880.
JK Bank 804.10 3,898.10 3,713.13 615.20 42,546.
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