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

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

0.00

0.00

0.51

1.15

2.20

Capital and Liabilities:

Share Application Money

Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Deposits

0.00

0.00

0.00

0.00

0.00

575.55

736.79

789.39

1,072.42

1,752.75

0.00

0.00

239.81

235.63

231.63

866.06

1,056.79

1,349.71

1,664.39

2,397.23

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

31,644.46

1,215.21

1,633.04

1,779.31

1,983.58

1,327.83

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

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

Other Liabilities & Provisions

Total Liabilities

Assets

5,409.90

5,891.66

6,629.70

8,083.41

10,401.84

Gross 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

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

1,578.36

3,729.74

4,441.53

2,020.09

5,895.67

29.83

33.04

34.69

40.21

52.71

Capital Work In Progress

Bills for collection

Book Value (Rs)

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

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

202.39

206.78

227.66

256.30

439.84

0.00

0.00

0.00

0.00

0.00

320.61

399.88

463.10

672.32

867.28

Expenditure
Interest expended

Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses

Net Profit for the Year

97.46

87.56

99.80

94.62

222.31

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

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

597.31

Preference 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

1.27

2.13

2.35

4.18

8.53

Per share data (annualised)

Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)

0.00

6.00

6.00

12.00

18.00

29.83

33.04

34.69

40.21

52.71

-68.27

19.27

21.00

92.02

119.64

0.00

0.00

0.00

0.00

0.00

Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total

0.00

22.45

22.45

52.31

86.15

105.09

25.50

31.60

247.00

391.51

36.82

67.22

75.05

391.33

597.30

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

210.15

36.82

67.22

75.05

148.34

-1045.13

261.45

826.72

-327.11

-389.85

-67.81

-43.55

-64.68

-41.23

-48.99

96.54

108.01

352.86

-49.03

184.50

-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

Net Profit Before Tax

Net Cash From Operating Activities
Net Cash (used in)/from
Investing Activities
Net Cash (used in)/from Financing
Activities
Net (decrease)/increase In Cash
and Cash Equivalents

Capital Structure
Period
From To

Instrument

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

--- CAPITAL (Rs. cr) --Authorised

Issued

-PAIDUPShares (nos)
Face Value

------------------- in Rs. Cr. -------------------

Capital

Mar '06

Mar '07

Mar '08

Mar '09

Mar '10

10.00

10.00

10.00

10.00

10.00

--

0.60

0.60

1.20

1.80

Investment Valuation Ratios

Face Value
Dividend Per Share
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

--

--

--

--

--

Interest 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

Bonus in Equity Capital

Profitability Ratios

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

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

2.94

73.48

81.91

82.27

80.12

67.25

Management Efficiency Ratios

Profit And Loss Account Ratios

Interest Expended / Interest Earned
Other Income / Total Income

4.32

11.61

7.57

5.41

5.93

22.11

20.67

19.44

22.44

24.95

0.66

0.21

0.10

0.58

0.20

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

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

4.41

4.98

6.94

6.60

6.74

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

Current Ratio

0.07

0.05

0.05

0.05

0.04

Quick Ratio

9.05

8.02

8.63

9.16

17.94

Dividend Payout Ratio Net Profit

--

33.39

29.91

35.26

24.59

Dividend Payout Ratio Cash Profit

--

22.15

19.48

27.17

21.77

100.00

76.59

70.36

70.78

77.59

Operating Expense / Total Income

Selling Distribution Cost Composition
Balance Sheet Ratios

Debt Coverage Ratios

Cash Deposit Ratio

Total Debt to Owners Fund

Leverage Ratios

Cash Flow Indicator Ratios

Earning Retention Ratio

Last Price

Market Cap.
(Rs. cr.)

ICICI Bank
HDFC Bank
Axis Bank
Kotak Mahindra
IndusInd Bank
YES BANK
Federal Bank
Karur Vysya
ING Vysya Bank
JK Bank

competition

1,086.10
2,399.55
1,282.50
441.45
264.05
300.80
443.85
411.40
338.30
804.10

125,094.00
111,633.23
52,699.15
32,529.19
12,303.94
10,442.19
7,588.27
4,389.38
4,092.98
3,898.10

Net Interest
Income
25,974.05
19,928.21
15,154.81
4,303.56
3,589.36
4,041.74
4,052.03
2,217.69
2,694.06
3,713.13

Net Profit

Total Assets

5,151.38
3,926.39
3,388.49
818.18
577.32
727.13
587.08
415.59
318.65
615.20

363,399.71
222,458.56
242,713.37
37,436.31
35,369.52
36,382.50
43,675.61
21,993.49
33,880.24
42,546.80