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his data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

Standalone Balance Sheet

------------------- 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

This data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

Consolidated Balance Sheet

------------------- 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


Equity Share Capital
Share Application Money
Preference Share Capital
Init. Contribution Settler
Preference Share Application Money
Employee Stock Opiton
Reserves
Revaluation Reserves
Net Worth

373.30
373.30
0.00
0.00
0.00
0.00
0.00
14,894.03
0.00
15,267.33

370.34
370.34
0.00
0.00
0.00
0.00
34.82
12,530.70
0.00
12,935.86

368.44
368.44
0.00
0.00
0.00
0.00
36.92
10,594.51
0.00
10,999.87

348.14
348.14
0.00
0.00
0.00
0.00
0.00
7,617.60
0.00
7,965.74

345.67
345.67
0.00
0.00
0.00
0.00
0.00
6,268.78
0.00
6,614.45

Deposits
Borrowings
Total Debt

49,389.14
36,171.96
85,561.10

36,460.73
29,194.69
65,655.42

27,312.98
22,073.32
49,386.30

21,819.18
13,885.70
35,704.88

13,822.78
11,059.98
24,882.76

208.72
10,077.27
0.00
4,720.24
115,834.66
Mar '13

160.06
9,011.53
0.00
4,586.52
92,349.39
Mar '12

107.21
8,145.20
0.00
5,042.56
73,681.14
Mar '11

80.86
6,371.07
0.00
4,992.25
55,114.80
Mar '10

62.86
3,738.04
0.00
4,935.72
40,233.83
Mar '09

12 mths

12 mths

12 mths

12 mths

12 mths

2,220.76
2,297.49
66,257.65
40,907.24

2,030.63
1,545.20
53,143.61
31,658.43

2,114.86
879.40
41,241.95
26,048.99

2,094.08
412.73
29,724.29
19,484.78

1,007.03
430.47
22,497.62
13,313.03

619.90
0.00
619.90

1,419.85
807.97
611.88

1,281.77
681.35
600.42

1,166.42
552.59
613.83

794.62
452.86
341.76

0.00
3,531.63
0.00
0.00
115,834.67

3.42
3,356.22
0.00
0.00
92,349.39

0.00
2,795.51
0.00
0.00
73,681.13

0.00
2,785.10
0.00
0.00
55,114.81

0.00
2,643.94
0.00
0.00
40,233.85

37,509.95
6,470.50
204.49

36,055.94
5,812.25
174.18

33,223.43
0.00
148.78

35,690.18
3,063.64
228.81

59,590.51
1,205.41
191.35

Capital and Liabilities:

Minority Interest
Policy Holders Funds
Group Share in Joint Venture
Other Liabilities & Provisions
Total Liabilities

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
Contingent Liabilities
Bills for collection
Book Value (Rs)

This data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

Standalone Profit & Loss account

------------------- 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

This data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank


Consolidated Profit & Loss account

Previous Years

------------------- 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

10,837.8
7

8,470.42

6,141.44

Other Income

5,112.41

4,566.09

4,915.35

Total Income

15,950.2
8

13,036.5
1

11,056.7
9

Interest expended

6,024.49

4,541.96

2,634.55

Employee Cost

1,773.50

1,601.54

1,522.34

0.00

1,170.25

1,235.09

179.03

164.33

152.35

5,769.03

3,707.90

3,943.23

0.00

0.00

0.00

Operating Expenses

6,598.42

5,642.04

6,111.33

Provisions & Contingencies

1,123.14
13,746.0
5
Mar '13

1,001.98
11,185.9
8
Mar '12

741.68

12 mths

12 mths

2,204.21

1,850.53

1,569.24

49.33
-33.58

52.84
-34.55

26.35
-23.86

2,188.46

1,832.24

1,566.74

0.00

0.00

0.00

Profit brought forward

6,296.17

4,962.62

3,720.29

Total

8,500.38

6,813.15

5,289.53

0.00
52.38
9.04

0.00
44.49
9.08

29.52

24.98

Income
4,601.1
6
4,714.0
5
9,315.2
1

4,366.5
6
2,814.4
7
7,181.0
3

1,772.8
6
1,260.9
5
1,369.2
7
142.92
3,441.8
5
0.00
6,194.5
4
20.45
7,987.8
5
Mar '10

1,992.3
9
1,192.5
1
1,380.2
3
125.93
1,837.3
0
0.00
4,141.0
8
394.89
6,528.3
6
Mar '09

Expenditure

Selling and Admin Expenses


Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised

Total Expenses

Net Profit for the Year


Minority Interest
Share Of P/L Of Associates
Net P/L After Minority Interest & Share Of Associates
Extraordionary Items

Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)

9,487.56
Mar '11

12 mths 12 mths 12 mths


1,327.3
6

652.67

18.00
2.36
1,307.0
0
0.00
2,691.3
0
4,018.6
6

3.73
-3.44

0.00
2,108.3
5
2,761.0
2

0.00
36.88
9.30

0.00
29.66
0.01

0.00
25.96
1.86

21.30

38.13

18.88

652.39

Equity Dividend (%)


Book Value (Rs)
Appropriations

0.00
204.49

0.00
174.18

0.00
148.78

0.00
228.81

0.00
191.35

Transfer to Statutory Reserves


Transfer to Other Reserves
Proposed Dividend/Transfer to Govt

472.77
68.38
61.42

390.85
54.26
53.57

235.56
42.68
46.18

Balance c/f to Balance Sheet

7,882.07

6,296.17

4,962.62

Total

8,484.64

6,794.85

5,287.04

213.02
35.32
29.67
3,720.2
9
3,998.3
0

27.82
13.80
27.82
2,691.3
0
2,760.7
4

Kotak Mahindra Bank


Cash Flow

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

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
Opening Cash & Cash Equivalents
Closing Cash & Cash Equivalents

Mar '13

Mar '12

Mar '11

Mar '10

Mar '09

12 mths

12 mths

12 mths

12 mths

12 mths

1360.72

1599.89

1187.68

811.08

426.03

-1405.46

-1338.69

-1474.47

1572.56

-833.15

-1478.16

-130.81

-78.99

-275.59

-95.40

3938.23

1633.07

1724.19

-137.38

-35.78

1054.61

163.57

170.72

1159.59

-964.33

2634.55
3689.16

2470.98
2634.55

2300.26
2470.98

1140.67
2300.26

2105.00
1140.67

This data can be easily copy pasted into a Microsoft Excel sheet
Kotak Mahindra Bank
Capital Structure
Period
From To

Instrument

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


Issued

-PAIDUPShares (nos)
Face Value

2012

2013

Equity Share

400

373.3

746609026

373.3

2011

2012

Equity Share

400

370.34

740689510

370.34

2010

2011

Equity Share

400

368.44

736871504

368.44

2009

2010

Equity Share

400

348.14

348141477

10

348.14

2008

2009

Equity Share

400

345.67

345668859

10

345.67

2007

2008

Equity Share

400

344.67

344672842

10

344.67

2006

2007

Equity Share

350

326.16

326155708

10

326.16

2005

2006

Equity Share

350

309.29

309294625

10

309.29

2004

2005

Equity Share

200

123.32

123323500

10

123.32

2003

2004

Equity Share

100

59.53

59532750

10

59.53

Capital

2002

2003

Equity Share

100

59.21

59212750

10

59.21

2001

2002

Equity Share

100

59.21

59212750

10

59.21

2000

2001

Equity Share

100

45.91

45912500

10

45.91

1999

2000

Equity Share

100

45.91

45912500

10

45.91

1998

1999

Equity Share

100

36.73

36730000

10

36.73

1996

1998

Equity Share

100

36.73

36723800

10

36.72

1995

1996

Equity Share

100

36.73

36723200

10

36.72

1994

1995

Equity Share

100

36.73

36718200

10

36.72

1993

1994

Equity Share

100

18.36

18365000

10

18.36

1992

1993

Equity Share

24

6.98

6982500

10

6.98

1991

1992

Equity Share

24

6.98

6982500

10

6.98

1990

1991

Equity Share

2.6

2600000

10

2.6

1989

1990

Equity Share

1.3

1300000

10

1.3

1988

1989

Equity Share

1.5

0.65

650000

10

0.65

Source : Asian CERC

his data can be easily copy pasted into a Microsoft Excel sheet
Kotak Mahindra Bank
Finished Products

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

Product Name

Unit

Interest & Discount on Advances &


Bills
Income From Investment

Mar 2012

Installed
Capacity

Production
Quantity

Sales
Quantity

Sales
Value

NA

NA

NA

4,867.44

NA

NA

NA

1,306.35

Commission,Exchange & Brokerage -

NA

NA

NA

578.14

Income From Sale Of Share &


Securities

NA

NA

NA

81.61

Dividend

NA

NA

NA

54.86

Interest On Balances with RBI and


Other Inter-Bank Funds

NA

NA

NA

4.07

Interest

NA

NA

NA

2.37

Total

6894.84

This data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

Key Financial Ratios

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

his data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

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

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
--21.51
145.16
-49.55

5.00
--0.99
134.29
146.87
49.94

5.00
--9.90
106.72
127.25
50.20

10.00
--23.66
201.09
188.93
53.13

10.00
--31.98
141.82
155.54
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

-14.94
13.72
53.89
14.33
14.43
204.49
204.49

-15.65
14.23
55.33
14.20
14.34
174.18
174.18

-15.67
14.26
44.57
14.29
14.31
148.78
148.78

-14.89
13.20
46.19
16.40
16.71
228.81
228.81

-10.91
9.12
45.50
9.86
9.89
191.35
191.35

11.49
5.10
5.42
6.39

13.39
7.28
3.94
6.12

13.79
9.17
5.47
4.62

16.45
12.29
6.82
4.17

13.24
7.86
6.07
5.38

Investment Valuation 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

6.80
3.53
2.34
0.41
16.91
6.39
0.10
0.11

7.38
3.62
2.49
0.21
17.33
6.12
0.12
0.13

10.45
3.92
2.75
0.22
19.26
4.62
0.12
0.13

14.22
4.54
3.12
0.27
23.27
4.17
0.15
6.02

10.84
2.74
1.76
0.22
19.30
5.38
0.12
6.20

Interest Expended / Interest Earned


Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios

55.59
32.05
40.25
--

53.62
22.73
42.56
4.48

42.90
28.40
54.26
5.50

38.53
29.29
61.13
5.98

45.63
31.44
56.16
10.29

---

17.90
92.39

19.90
96.94

18.35
98.12

20.01
87.63

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

61.90
84.53
4.95
3.23
1.58

148.00
90.49
6.50
2.83
1.63

144.44
92.68
8.57
2.49
1.91

146.52
92.02
8.70
2.74
2.17

161.67
94.07
10.07
2.09
1.57

1.39

1.44

1.65

1.82

1.39

Current Ratio
Quick Ratio
Cash Flow Indicator Ratios

1.29
15.26

0.08
12.76

0.09
9.15

0.10
6.93

0.14
5.30

Dividend Payout Ratio Net Profit


Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times

2.80
2.59
97.22
97.43
20.72

2.92
2.68
97.11
97.35
18.09

2.94
2.68
97.06
97.32
15.86

2.27
2.04
97.78
97.99
14.80

4.26
3.57
95.75
96.44
17.72

Capital Adequacy Ratio


Advances / Loans Funds(%)
Debt Coverage Ratios

Kotak Mahindra Bank


Standalone Quarterly Results

Previous Years

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

Mar '13

Dec '12

Sep '12

Jun '12

Mar
'12

1,670.41

1,597.49

1,484.34

1,393.85

1,359
.71

530.99

491.64

428.38

418.83

381.2
8

Interest Earned
(a) Int.
/Disc. on
Adv/Bills
(b)
Income
on

Investme
nt
(c) Int. on
balances
With RBI
(d)
Others
Other
Income
EXPENDITURE
Interest
Expende
d
Employe
es Cost
Other
Expense
s
Depreciat
ion
Operatin
g Profit
before
Provision
s and
continge
ncies
Provision
s And
Continge
ncies
Exceptio
nal Items
P/L
Before
Tax
Tax
P/L After
Tax from
Ordinary
Activities
Prior
Year
Adjustme
nts
Extra
Ordinary
Items
Net
Profit/(Lo
ss) For
the
Period
Equity
Share

6.66

5.22

10.24

2.20

2.04

0.32

0.23

0.74

0.95

1.81

363.85

304.86

250.80

241.15

254.2
3

1,304.98

1,271.73

1,165.57

1,094.53

1,057
.10

288.26

263.59

242.77

256.55

224.8
3

325.59

291.50

283.95

257.53

271.8
2

--

--

--

--

--

653.40

572.62

482.21

448.38

445.3
2

37.43

42.36

70.62

34.14

4.63

--

--

--

--

--

615.97

530.26

411.59

414.24

440.6
9

179.76

168.58

131.21

131.79

143.7
7

436.21

361.68

280.38

282.45

296.9
3

--

--

--

--

--

--

--

--

--

--

436.21

361.68

280.38

282.45

296.9
3

373.31

372.10

371.65

371.24

370.3
5

Capital
Reserves
Excludin
g
Revaluati
on
Reserves
Equity
Dividend
Rate (%)
ANALYTICAL RATIOS

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

15.63

15.40

5.85

4.86

3.77

3.81

4.01

5.83

4.84

3.75

3.79

3.99

5.85

4.86

3.77

3.81

4.01

5.83

4.84

3.75

3.79

3.99

758.11

740.02

739.87

684.68

311.41

322.71

341.07

1.55

1.46

1.61

1.60

1.56

0.64

0.64

0.75

0.80

0.61

0.53

0.46

0.39

0.42

0.46

40.85

40.76

40.68 40.50

54.89

54.84

54.79 54.68

a) % of
Share by
-Govt.
b) Capital
Adequac
-y Ratio Basel -I
c) Capital
Adequac
16.05
y Ratio Basel -II
EPS Before Extra Ordinary
Basic
EPS
Diluted
EPS
EPS After Extra Ordinary
Basic
EPS
Diluted
EPS
NPA Ratios :
i) Gross
NPA
ii) Net
NPA
i) % of
Gross
NPA
ii) % of
Net NPA
Return
on
Assets %
Public Share Holding

No Of
Shares
41.09
(Crores)
Share
Holding
55.04
(%)
Promoters and Promoter Group
Shareholding
a) Pledged/Encumbered

-- 17.52

614.1
9
237.3
340.25
8

- Number
of shares
(Crores)
- Per. of
shares
(as a %
of the
total sh.
of prom.
and
promoter
group)
- Per. of
shares
(as a %
of the
total
Share
Cap. of
the
company
)
b) Non-encumbered
- Number
of shares
(Crores)
- Per. of
shares
(as a %
of the
total sh.
of prom.
and
promoter
group)
- Per. of
shares
(as a %
of the
total
Share
Cap. of
the
company
)
Notes

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

33.57

33.57

33.57

100.00

100.00

100.00

44.96

45.11

45.16

33.57 33.57

100.00

100.0
0

45.21 45.32

14060005_002013034 14060005_002012123 14060005_002012092 14060005_002012061 |2012


.txt|201303
.txt|201212
.txt|201209
.txt|201206
03

Source : Dion Global Solutions Limited

Kotak Mahindra Bank

Previous Years

Consolidated Quarterly Results

Mar '13

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

Dec '12

Sep '12

Jun '12

Mar '12

Interest Earned
(a) Int. /Disc. on
Adv/Bills
(b) Income on
Investment
(c) Int. on balances
With RBI
(d) Others
Other Income
EXPENDITURE
Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit
before Provisions
and contingencies
Provisions And
Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from
Ordinary Activities
Prior Year
Adjustments
Extra Ordinary
Items
Net Profit/(Loss)
For the Period
Minority Interest
Share Of P/L Of
Associates
Net P/L After M.I &
Associates
Equity Share
Capital
Reserves Excluding
Revaluation
Reserves
Equity Dividend
Rate (%)
ANALYTICAL RATIOS
a) % of Share by
Govt.
b) Capital
Adequacy Ratio Basel -I
c) Capital Adequacy
Ratio - Basel -II
EPS Before Extra Ordinary
Basic EPS

2,226.26

2,139.32

1,989.97

1,864.15

1,808.03

684.95

636.56

581.54

575.68

517.07

24.89

25.63

29.37

20.37

13.23

10.69
1,441.80

9.96
1,345.65

8.90
1,425.97

9.63
861.81

10.33
2,014.93

1,626.26
480.39
1,292.95
--

1,579.93
439.43
1,244.16
--

1,449.09
420.36
1,379.61
--

1,369.21
433.32
871.04
--

1,299.35
410.05
1,900.73
--

988.99

893.60

786.69

658.06

753.47

43.61

58.90

61.37

19.30

2.26

-945.38
271.37

-834.70
248.92

-725.32
219.19

-638.76
200.47

-751.22
222.45

674.01

585.78

506.13

438.29

528.77

--

--

--

--

--

--

--

--

--

--

674.01

585.78

506.13

438.29

528.77

-14.96

-13.81

-12.19

-8.37

-14.89

6.55

5.24

8.23

13.56

7.04

665.60

577.21

502.17

443.48

520.93

373.31

372.10

371.65

371.24

370.34

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

8.93

7.76

6.76

5.98

7.04

Diluted EPS
EPS After Extra Ordinary

8.93

7.72

6.72

5.95

7.00

Basic EPS
Diluted EPS
NPA Ratios :

8.93
8.93

7.76
7.72

6.76
6.72

5.98
5.95

7.04
7.00

i) Gross NPA
8,483,600,000.00 8,241,000,000.00 8,299,500,000.00 7,703,819,000.00 6,997,355,000.00
ii) Net NPA
3,612,200,000.00 3,648,000,000.00 3,832,500,000.00 3,750,912,000.00 2,734,290,000.00
i) % of Gross NPA
1.27
1.22
1.35
1.34
1.31
ii) % of Net NPA
0.55
0.54
0.63
0.66
0.51
Return on Assets %
0.58
0.53
0.50
0.47
0.58
Public Share Holding
No Of Shares
41.09
(Lakhs)
Share Holding (%)
55.04
Promoters and Promoter Group
Shareholding
a) Pledged/Encumbered
- Number of shares
(Lakhs)
- Per. of shares (as
a % of the total sh.
of prom. and
promoter group)
- Per. of shares (as
a % of the total
Share Cap. of the
company)
b) Non-encumbered
- Number of shares
(Lakhs)
- Per. of shares (as
a % of the total sh.
of prom. and
promoter group)
- Per. of shares (as
a % of the total
Share Cap. of the
company)
Notes

40.85

40.76

40.68

4.50

54.89

54.84

54.79

54.68

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

33.57

33.57

33.57

33.57

33.57

100.00

100.00

100.00

100.00

100.00

44.96

45.11

45.16

45.21

45.32

|201303

|201212

|201209

|201206

|201203

Kotak Mahindra Bank

Previous Years

Consolidated Yearly Results

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

Mar '13

Mar '12

8,219.70
2,478.73
100.26

6,551.93
1,840.54
41.11

Mar '11

Mar '10

Mar '09

Interest Earned
(a) Int. /Disc. on Adv/Bills
(b) Income on Investment
(c) Int. on balances With RBI

4,710.85 3,526.37 3,505.46


1,355.19 1,018.55
759.58
23.09
6.91
56.22

(d) Others
Other Income
EXPENDITURE

39.18
5,075.23

36.85
4,466.97

52.31
49.33
45.31
4,822.30 5,384.74 2,882.61

Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit before Provisions
and contingencies
Provisions And Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from Ordinary
Activities
Prior Year Adjustments
Extra Ordinary Items
Net Profit/(Loss) For the Period
Minority Interest
Share Of P/L Of Associates
Net P/L After M.I & Associates
Equity Share Capital
Reserves Excluding Revaluation
Reserves
Equity Dividend Rate (%)
ANALYTICAL RATIOS

6,024.49
1,773.51
4,787.76
--

4,541.96
1,601.54
4,038.65
--

2,634.55 1,772.87 1,992.40


1,522.35 1,260.95 1,192.51
4,411.85 4,538.48 2,718.28
----

3,327.34

2,755.24

2,395.00 2,413.59 1,346.00

183.18
-3,144.16
939.95

98.70
-2,656.54
806.01

147.60 510.73 329.80


---2,247.40 1,902.86 1,016.20
678.16 575.50 363.53

2,204.21

1,850.53

1,569.24 1,327.36

652.67

--2,204.21
-49.33
33.58
2,188.46
373.31

--1,850.53
-52.84
34.55
1,832.24
370.34

----1,569.24 1,327.36
-26.35
-18.00
23.86
-2.36
1,566.75 1,307.00
368.44 348.14

--652.67
-3.73
3.44
652.39
345.67

14,876.49

12,530.70

105,945.05 7,562.80

--

--

--

--

--

--

----

----

----

----

----

Basic EPS
Diluted EPS
EPS After Extra Ordinary

29.44
29.33

24.81
24.67

21.73
21.60

37.68
37.28

18.90
18.87

Basic EPS
Diluted EPS
NPA Ratios :

29.44
29.33

24.81
24.67

21.73
21.60

37.68
37.28

18.90
18.87

8,483,600,000.00 6,997,355,000.00 71,198,460,000.00


3,612,200,000.00 2,734,290,000.00 24,267,100,000.00
1.27
1.31
1.71
0.55
0.51
0.59
2.10
2.20
--

------

------

a) % of Share by Govt.
b) Capital Adequacy Ratio - Basel -I
c) Capital Adequacy Ratio - Basel -II
EPS Before Extra Ordinary

i) Gross NPA
ii) Net NPA
i) % of Gross NPA
ii) % of Net NPA
Return on Assets %
Public Share Holding

No Of Shares (Lakhs)
41.09
Share Holding (%)
55.04
Promoters and Promoter Group Shareholding
a) Pledged/Encumbered
- Number of shares (Lakhs)
- Per. of shares (as a % of the total
sh. of prom. and promoter group)

40.50
54.68

40.11
54.43

---

---

--

--

100,000.00

--

--

--

--

0.03

--

--

- Per. of shares (as a % of the total


Share Cap. of the company)
b) Non-encumbered
- Number of shares (Lakhs)
- Per. of shares (as a % of the total
sh. of prom. and promoter group)
- Per. of shares (as a % of the total
Share Cap. of the company)
Notes

--

--

0.01

--

--

33.57

33.57

33.57

--

--

100.00

100.00

99.97

--

--

44.96

45.32

45.56

--

--

|201303

|201203

|201103 |201003 |200903

This data can be easily copy pasted into a Microsoft Excel sheet

Kotak Mahindra Bank

Previous Years

Consolidated Half Yearly Results

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

Mar '13

Sep '12

Mar '12

Sep '11

Mar '11

(a) Int. /Disc. on Adv/Bills


(b) Income on Investment
(c) Int. on balances With
RBI
(d) Others
Other Income
EXPENDITURE

4,365.58
1,321.51

3,854.12
1,157.22

3,550.44
979.80

3,001.49
860.74

2,623.19
708.10

50.52

49.74

23.83

17.28

17.10

20.65
2,787.45

18.53
2,287.78

17.38
2,915.45

19.46
1,551.52

28.12
2,319.75

Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit before
Provisions and
contingencies
Provisions And
Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from
Ordinary Activities
Prior Year Adjustments
Extra Ordinary Items
Net Profit/(Loss) For the
Period
Minority Interest
Share Of P/L Of
Associates
Net P/L After M.I &
Associates

3,206.19
919.82
2,537.11
--

2,818.30
853.69
2,250.65
--

2,522.43
821.69
2,669.53
--

2,019.52
779.86
1,369.12
--

1,505.23
797.24
2,093.30
--

1,882.59

1,444.75

1,473.25

1,281.98

1,300.49

102.51

80.67

47.47

51.23

44.86

-1,780.08
520.29

-1,364.08
419.66

-1,425.78
430.79

-1,230.76
375.22

-1,255.62
369.13

1,259.79

944.42

994.99

855.54

886.50

---

---

---

---

---

1,259.79

944.42

994.99

855.54

886.50

-28.77

-20.56

-27.16

-25.68

-24.66

11.79

21.79

15.72

18.83

13.10

1,242.81

945.65

983.55

848.68

874.94

Interest Earned

Equity Share Capital


Reserves Excluding
Revaluation Reserves
Equity Dividend Rate (%)
ANALYTICAL RATIOS

373.31

371.65

370.34

--

--

12,530.70

--

--

--

--

--

a) % of Share by Govt.
b) Capital Adequacy Ratio
- Basel -I
c) Capital Adequacy Ratio
- Basel -II
EPS Before Extra Ordinary

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

Basic EPS
Diluted EPS
EPS After Extra Ordinary

---

12.74
12.67

---

11.50
11.44

11.94
11.88

Basic EPS
Diluted EPS
NPA Ratios :

---

12.74
12.67

---

11.50
11.44

11.94
11.88

8,483,600,000.00 8,299,500,000.00 6,997,355,000.00 7,052,433,000.00


3,612,200,000.00 3,832,500,000.00 2,734,290,000.00 2,325,706,000.00
1.27
1.35
0.51
1.38
0.55
0.63
0.51
0.46
0.58
0.97
2.20
1.08

------

i) Gross NPA
ii) Net NPA
i) % of Gross NPA
ii) % of Net NPA
Return on Assets %
Public Share Holding

No Of Shares (Lakhs)
Share Holding (%)
Promoters and Promoter Group
Shareholding
a) Pledged/Encumbered
- Number of shares
(Lakhs)
- Per. of shares (as a % of
the total sh. of prom. and
promoter group)
- Per. of shares (as a % of
the total Share Cap. of the
company)
b) Non-encumbered
- Number of shares
(Lakhs)
- Per. of shares (as a % of
the total sh. of prom. and
promoter group)
- Per. of shares (as a % of
the total Share Cap. of the
company)
Notes

Directors Report

369.32

368.44

-- 105,945.05

41.09
55.04

40.76
54.84

40.50
54.68

40.29
54.54

---

--

--

--

--

--

--

--

--

--

--

--

--

--

--

--

33.57

33.57

33.57

33.58

--

100.00

100.00

100.00

100.00

--

44.96

45.16

45.32

45.46

--

|201303

|201209

|201203

|201109

|201103

Year End : Mar '13

Mar

To the Members of KOTAK MAHINDRA BANK LIMITED


The Directors present their Twenty Eighth Annual Report together with
the audited accounts of your Bank for the year ended 31st March 2013.
FINANCIAL HIGHLIGHTS
(A) Kotak Mahindra Bank Limited - Consolidated financial highlights:
31st March 2013
Rs. crore

31st March 2012


Rs. crore

Total income

15,950.27

13,013.82

Total expenditure, excluding


provisions and contingencies

12,622.93

10,258.58

3,327.34

2,755.24

183.18

98.70

3,144.16

2,656.54

939.95

806.01

2,204.21

1,850.53

Less: Share of minority interest

49.33

52.84

Add: Share in profit of Associates

33.58

34.55

2,188.46

1,832.24

Basic (Rs.)

29.44

24.81

Diluted (Rs.)

29.33

24.67

Operating Profit
Provisions and contingencies,
excluding provision for tax
Profit before tax
Provision for taxes
Profit after tax

Consolidated profit for the Group


Earnings per Equity Share:

(B) Kotak Mahindra Bank Limited - Standalone financial highlights:


31st March 2013
Rs. crore

31st March 2012


Rs. crore

Total Income

9,203.16

7,157.58

Total expenditure, excluding


provisions and contingencies

7,046.55

5,502.57

Operating Profit

2,156.61

1,655.01

184.55

55.08

1,972.06

1,599.93

Provisions and contingencies,


excluding tax provisions
Profit before tax

Provision for taxes

611.34

514.88

Profit after tax

1,360.72

1,085.05

Add: Surplus brought forward


from the previous year

2,162.79

1,494.52

Amount available for appropriation

3,523.51

2,579.57

340.18

271.27

General Reserve

68.04

54.26

Transfer to / (from) Investment


Reserve Account

10.52

14.52

Transfer to Capital Reserve

0.02

Transfer to Special Reserve

28.50

25.00

Proposed Dividend

52.38

44.49

7.29

7.22

3,016.60

2,162.79

Appropriations:
Statutory Reserve under Section 17
of the Banking Regulation Act, 1949

Corporate Dividend Tax


Surplus carried to Balance Sheet

DIVIDEND
Your Directors are pleased to recommend a dividend of Rs. 0.70 per
equity share (previous year Rs. 0.60 per equity share), entailing a
payout of Rs. 59.67 crore including dividend distribution tax (previous
year Rs. 51.71 crore). The dividend would be paid to all the
shareholders, whose names appear on the Register of Members/Beneficial
Holders list on the Book Closure date.
CAPITAL
During the year, your Bank has allotted 59,19,516 equity shares arising
out of the exercise of Employees Stock Options granted to the employees
and whole-time directors of your Bank and its subsidiaries.
Post allotment of equity shares as aforesaid, the issued, subscribed
and paid-up share capital of your Bank stands at Rs. 373,30,45,130
comprising of 74,66,09,026 equity shares of Rs. 5 each as on 31st March
2013.
Your Bank is well capitalised and has a Capital Adequacy Ratio (''CAR'')
under Basel II as at 31st March 2013 of 16.05% with Tier I being
14.71%. At a consolidated level the CAR was 17% under Basel II.

During the year, your Bank has not issued any capital under Tier II. As
on 31st March 2013, outstanding Unsecured, Redeemable, Non-Convertible,
Subordinated Debt Bonds were Rs. 560.70 crore and outstanding
Unsecured, Non-Convertible, Redeemable Debt Capital Instruments. Upper
Tier II stood at Rs. 136 crore.
The Board of Directors at its meeting held on 11th April 2013 had
approved subject to necessary approvals, issue of 2,00,00,000 equity
shares of Rs. 5 each for an issue price of Rs. 648, to Heliconia Pte
Ltd., an affiliate of Government of Singapore Investment Corporation
Pte Ltd. (GIC) on preferential basis. Members'' approval is sought by
way of Special Resolution at the Extraordinary General Meeting
scheduled to be held on 9th May 2013.

Accounting Policy
A.

Year : Mar '

BACKGROUND

In February 2003, Kotak Mahindra Finance Limited was given license for
banking business by the Reserve Bank of India (RBI). It was the first
NBFC Company in India to be converted into a Bank. Kotak Mahindra Bank
provides the full suite of banking services to its customers
encompassing Retail Banking, Treasury and Corporate Banking.
B.

ACCOUNTING METHODOLOGY

The financial statements have been prepared in accordance with


statutory requirements prescribed under the Banking Regulation Act,
1949. The accounting and reporting policies of Kotak Mahindra Bank
Limited (the Bank) used in the preparation of these financial
statements is the accrual method of accounting and historical cost
convention and it conforms with Generally Accepted Accounting
Principles in India (Indian GAAP), the guidelines issued by Reserve
Bank of India (RBI) from time to time, the Accounting Standards
(''AS'') issued by the Institute of Chartered Accountants of India
(''ICAI'') and notified by the Companies (Accounting Standards) Rules,
2006 as amended to the extent applicable and practices generally
prevalent in the banking industry in India.
The preparation of financial statements requires the Management to make
estimates and assumptions considered in the reported amounts of assets
and liabilities (including contingent liabilities) as of the date of
the financial statements and the reported income and expenses during
the reporting period. The Bank''s Management believes that the estimates
used in preparation of the financial statements are prudent and
reasonable. Actual results could differ from these estimates. Any
revision to the accounting estimates is recognised prospectively
CATEGORY OF
SHAREHOLDER

NO. OF
SHARE-HOLDERS

TOTA
L NO.
OF
SHAR
ES

TOTAL NO. OF
SHARES HELD IN
DEMATERIALIZED
FORM

TOTAL
SHAREHOLDING
AS A % OF
TOTAL NO. OF
SHARES
AS A % OF
(A+B)
AS A % OF

SHARES
PLEDGED
OR
OTHERWI
SE
ENCUMB
ERED
NUMBER
OF

(A+B+C)

SHARES
AS A %
OF
TOTAL
NO. OF
SHARES

(A) Shareholding of Promoter and Promoter Group


(1) Indian
Individuals /
Hindu
Undivided
Family

10

308,784,564

308,784,564

40.34

40.28

Bodies
Corporate

26,897,060

26,897,060

3.51

3.51

Sub Total

12

335,681,624

335,681,624

43.86

43.79

12

335,681,624

335,681,624

43.86

43.79

(2) Foreign
Total
shareholdin
g of
Promoter
and
Promoter
Group (A)

(B) Public Shareholding


(1)
Institutions
Mutual
Funds / UTI

110

9,273,386

9,254,386

1.21

1.21

Financial
Institutions /
Banks

39

7,081,518

7,067,918

0.93

0.92

Foreign
Institutional
Investors

454

241,307,775

241,264,075

31.53

31.48

Sub Total

603

257,662,679

257,586,379

33.66

33.61

1,159

22,980,706

22,912,266

3.00

3.00

(2) NonInstitutions
Bodies
Corporate

Individuals
Individual
shareholders
holding
nominal
share capital
up to Rs. 1
lakh
Individual
shareholders
holding
nominal
share capital
in excess of
Rs. 1 lakh
Any Others
(Specify)
Non
Resident
Indians
Overseas
Corporate
Bodies
Trusts

31,242,441

25,795,745

4.08

4.08

55,364,628

55,090,338

7.23

7.22

62,444,341

61,323,825

8.16

8.15

3,957,129

2,836,813

0.52

0.52

4,358,680

4,358,480

0.57

0.57

85,255

85,255

0.01

0.01

1,041,694

1,041,694

0.14

0.14

194,783

194,783

0.03

0.03

32,800,000

32,800,000

4.29

4.28

6,800

6,800

20,000,000

20,000,000

2.61

2.61

62,09
7

273

3,374

2,116

13

Hindu
Undivided
Families

1,107

Clearing
Members

133

Foreign
Banks

Foreign
Bodies - D R

Foreign
Corporate
Bodies

Sub Total

66,90
3

172,032,116

165,122,174

22.48

22.44

67,50
6

429,694,795

422,708,553

56.14

56.05

Total Public
shareholdin
g (B)

Total (A)+(B)

67,51
8

(C) Shares
held by
Custodians
and against
which
Depository
Receipts
have been
issued-m

765,376,419

758,390,17
7

100.00

99.84

(1) Promoter
and
Promoter
Group

(2) Public

1,232,607

1,232,607

0.16

Sub Total

1,232,607

1,232,607

0.16

Total
(A)+(B)+(C)

67,52
0

766,609,026

759,622,78
4

Company Facts - Kotak Mahindra Bank


Registered Address
36-38A, Nariman Bhavan,
227, Nariman Point,
Mumbai
Maharashtra
400021
Tel: 022-66581100
Fax: 022-22855577
Email: investor.grievances@kotak.com
Website: http://www.kotak.com
Group: Kotak Mahindra Group

Registrars
Karvy Computershare Private Ltd. 7, Andheri Industrial Estate,
Off: Veera Desai Road,
Andheri (W) Mumbai - 400058
Maharashtra
Tel: 022-26730799, 26730843
Fax: 022-26730152

100.0
0

Email: mumbaiandheri@karvy.com
Website: http://www.karvy.com

Management - Kotak Mahindra Bank


Name

Designation

Shankar Acharya

Chairman

C Jayaram

Joint Managing Director

S Mahendra Dev

Director

Amit Desai

Director

Asim Ghosh

Director

Name

Designation

Uday Kotak

Exec. Vice Chairman & Mang Dir

Dipak Gupta

Joint Managing Director

Prakash Apte

Director

N P Sarda

Director

Source : Dion Global Solutions Limited