KOTAK MAHINDRA BANK BALANCE SHEET OF LAST 5 YEARS

Mar '12
12 mths

Mar '11

Mar '10

12 mths

12 mths

Capital and Liabilities:

Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Init. Contribution Settler
Preference Share Application Money
Employee Stock Opiton
Reserves
Revaluation Reserves
Net Worth
Deposits
Borrowings
Total Debt
Minority Interest
Policy Holders Funds
Group Share in Joint Venture
Other Liabilities & Provisions
Total Liabilities

370.34
370.34
0
0
0
0
0
12,565.52
0
12,935.86
36,460.73
29,194.69
65,655.42
160.06
9,011.53
0
4,586.52
83,177.80

368.44
368.44
0
0
0
0
36.92
10,594.51
0
10,962.95
27,312.98
22,073.32
49,386.30
107.21
8,145.20
0
5,042.56
65,391.81

348.14
348.14
0
0
0
0
0
7,617.60
0
7,965.74
21,819.18
13,885.70
35,704.88
80.86
6,371.07
0
4,992.25
48,662.87

Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Capital Work In Progress
Other Assets
Minority Interest
Group Share in Joint Venture
Total Assets

2,030.63
1,545.20
53,143.61
31,658.43
1,419.85
807.97
611.88
3.42
3,356.22
0
0
92,349.39

2,114.86
879.4
41,241.95
26,048.99
1,281.77
681.35
600.42
0
2,795.51
0
0
73,681.13

2,094.08
412.73
29,724.29
19,484.78
1,166.42
552.59
613.83
0
2,785.10
0
0
55,114.81

Mar '09

Mar '08

12 mths

12 mths

345.67
345.67
0
0
0
0
0
6,268.78
0
6,614.45
13,822.78
11,059.98
24,882.76
62.86
3,738.04
0
4,935.72
36,432.93

344.67
344.67
0
0
0
0
58.21
5,479.23
0
5,823.90
13,691.93
12,772.81
26,464.74
51.23
2,841.62
0
5,357.46
37,646.10

1,007.03
430.47
22,497.62
13,313.03
794.62
452.86
341.76
0
2,643.94
0
0
40,233.85

1,764.23
1,605.13
21,984.68
12,569.68
682.21
345.76
336.45
0
2,337.01
0
0
40,597.18

PROFIT & LOSS ACCOUNT

Mar '12

Mar '11

12 mths

12 mths

Income
Interest Earned
Other Income
Total Income
Expenditure
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses

6,180.24
848.42
7,028.66

4,303.56
507.56
4,811.12

3,667.75
902.36
542.71
116.76
714.03
0
1,754.66
521.2
5,943.61

2,058.49
783.83
487.82
98.27
564.53
0
1,528.58
405.87
3,992.94

12 mths
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

12 mths
1,085.05
0
1,494.52
2,579.57
0
44.49
7.22

818.18
0
965.91
1,784.09
0
36.88
4.37

14.65
12
107.75

11.1
10
92.74

310.81
54.26
51.71
2,162.79
2,579.57

207.41
40.91
41.25
1,494.52
1,784.09

Cash Flow Statements

Net Profit Before Tax

Net Cash From Operating Activities
Net Cash (used in)/from

Mar '12

Mar '11

12 mths

12 mths
1599.89
-1338.69
-130.81

1187.68
-1474.47
-78.99

Investing Activities
Net Cash (used in)/from Financing Activities
Net (decrease)/increase In Cash and Cash Equivalents
Opening Cash & Cash Equivalents
Closing Cash & Cash Equivalents

1633.07
163.57
2470.98
2634.55

1724.19
170.72
2300.26
2470.98

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

3,255.62
420.97
3,676.59

3,065.14
157.56
3,222.70

2,535.36
310.48
2,845.84

1,397.48
583.48
648.07
90
396.47
0
1,447.42
270.6
3,115.50

1,546.60
583.63
552.91
69.56
193.91
0
1,333.60
66.41
2,946.61

1,309.56
519.23
326.66
50.86
345.6
0
999.25
243.1
2,551.91

12 mths

12 mths

12 mths

561.11
2.01
648.94
1,212.06
0
29.66
0

276.1
0
528.17
804.27
0
25.96
1.86

293.93
0
354.18
648.11
0
25.87
4.4

16.12
8.5
130.4

7.99
7.5
112.98

8.53
7.5
104.26

188.43
28.06
29.66
965.91
1,212.06

113.7
13.8
27.82
648.94
804.26

74.98
14.7
30.27
528.17
648.12

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

811.08
1572.56
-275.59

426.03
-833.15
-95.4

397.73
-655.71
-180.66

-137.38
1159.59
1140.67
2300.26

-35.78
-964.33
2105
1140.67

1689.56
853.19
1278.61
2131.8

RATIO ANALYSIS
Mar '12
Investment Valuation Ratios
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
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
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
Interest Expended / Interest Earned
Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
Financial Charges Coverage Ratio Post Tax
Leverage Ratios
Current Ratio

Mar '11

5
--

5
--

-0.07
134.47

-7.75
107.35
127.25
50.2

-49.94
--

-15.64
14.22
49.42
14.16
14.3
174.65
174.65

15.61
14.2
38.34
14.29
14.31
148.78
148.78

13.41
7.29
3.94
6.11
7.3
3.71
2.49
0.48
17.35
6.11
0.12
7.01

13.87
9.25
5.47
4.62
10.25
4.2
2.75
0.22
19.34
4.62
0.12
6.19

53.62
22.7
42.09
--

42.9
28.28
53.02
5.47

---

19.9
96.94
64.67
90.49
6.5
2.82
1.64
1.44

144.44
92.68
8.57
2.49
1.97
1.65

1.38

0.09

Quick Ratio
Cash Flow Indicator Ratios
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

12.76

9.15

2.92
2.68
97.11
97.35
18.09

2.94
2.68
97.06
97.32
15.86

14.65
107.75

11.1
92.74

Mar '10

Mar '09

10
--

Mar '08

10
--

-23.66
201.09
188.93
53.13
--

10
--

-31.98
141.82
155.54
53.51
--

-2.91
168.61
137.5
53.66
--

14.89
13.2
46.19
16.4
16.71
228.81
228.81

10.91
9.12
45.5
9.86
9.89
191.35
191.35

14.07
13.2
55.34
17.01
16.44
168.97
168.97

16.45
12.29
6.82
4.17
14.22
4.54
3.12
0.27
23.27
4.17
0.15
6.02

13.24
7.86
6.07
5.38
10.84
2.74
1.76
0.22
19.3
5.38
0.12
6.2

18
12.38
5.25
5.63
12.69
4.63
2.97
0.31
23.25
5.63
0.17
8.56

38.53
29.29
61.13
5.98

45.63
31.44
56.16
10.29

49.79
22.56
54.57
8.83

18.35
98.12

20.01
87.63

20.2
95.35

146.52
92.02
8.7
2.74
2.17
1.82

161.67
94.07
10.07
2.09
1.57
1.39

160.83
92.91
10.95
2.35
1.88
1.6

0.1

0.14

0.12

6.93

5.3

4.87

2.27
2.04
97.78
97.99
14.8

4.26
3.57
95.75
96.44
17.72

3.37
3.07
96.51
96.83
12.96

16.12
130.4

7.99
112.98

8.53
104.26