Annual Report Analysis Of IndusInd Bank

sis Of

BALANCE SHEET AS AT MARCH 31, 2009
SCHEDULE As at 31.03.09 CAPITAL AND LIABILITIES Capital Employee Stock Options Outstanding Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions TOTAL I XVIII (9) II III IV V 3,551,921 11,510 13,080,511 221,102,527 18,564,553 19,835,803 276,146,825

ASSETS Cash and Balances with Reserve Bank of India Balances with Banks and Money at Call and Short Notice Investments Advances Fixed Assets Other Assets TOTAL

VI VII VIII IX X XI

11,907,898 7,329,049 80,834,055 157,706,359 6,231,934 12,137,530 276,146,825

Contingent Liabilities Bills for Collection Principal Accounting Policies Notes on Accounts

XII

442,991,733 29,377,335

XVII XVIII

2,211,025.27

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2009
SCHEDULE I. INCOME Interest Earned Other Income TOTAL II. EXPENDITURE Interest Expended Operating Expenses Provisions and Contingencies TOTAL III. PROFIT Profit brought forward AMOUNT AVAILABLE FOR APPROPRIATION IV. APPROPRIATIONS Transfer to a) Statutory b) Capital c) Investment Reserve Account d) Dividend e) Corporate Balance transferred to Balance Sheet TOTAL Earnings per share (basic)(Rupees) Earnings per share (diluted)(Rupees) Principal Accounting Policies Notes on Accounts XVIII(10.6) XVIII(10.6) XVII XVIII XV XVI XIII XIV

TOTAL

MARCH 31, 2009
Year ended 31.03.09 23,094,744 4,562,535 27,657,279 18,504,414 5,470,341 2,199,136 26,173,891 1,483,388 2,429,907 3,913,295

2,211,025.27

370,847 534,029 15,323 447,115 75,987 1,443,301 2,469,994 3,913,295 4.28 4.27

CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2009

A. Cash Flow from Operating Activities Net Profit after taxes Adjustments for non-cash charges : Depreciation on Fixed Assets Provision on Investments Tax Provisions (Income Tax/ Wealth Tax/ Deferred Tax) Employees Stock Option Expenses Loan loss and Other Provisions Interest on Tier II / Upper Tier II bonds (treated separately) (Profit) / Loss on sale of Fixed assets Operating Profit before Working Capital changes Adjustments for : Increase in trade and Other Receivables (Advances and Other Assets) Increase in Inventories (Investments) Increase in Trade Payables (Deposits, Borrowings and Other Liabilities) Cash generated from Operations Direct taxes paid Net Cash from Operating Activities B. Cash Flow from Investing Activities Purchase of Fixed Assets Sale of Fixed Assets (Proceeds) Net Cash used in Investing Activities C. Cash Flow from Financing Activities Proceeds from GDR issue – Capital – Premium Dividends paid Proceeds from Issue of Unsecured Non-Convertible Redeemable Subordinated Tier II Bonds Proceeds from Unsecured Non-convertible Redeemable Non-Cumulative Subordinated Upper Tier II Bonds Redemption of Sub-ordinated Tier II capital Interest on Tier II / Upper Tier II bonds Net Cash used in Financing Activities Net increase in Cash and Cash Equivalents Cash and Cash Equivalents as on the first day of the year Cash and Cash Equivalents as on the last day of the year

DED MARCH 31, 2009
For the year ended 31.3.2009 148.34 44.17 (3.09) 79.15 0.64 143.85 77.27 2.6 492.93 (3311.17) (1450.62) 3946.23 (322.63) 67.22 (389.85)

2,211,025.27

51.05 2.06 48.99

35.19 187 24.92 100 – 35.5 77.27 184.5 254.34 2178.03 1923.69

BALANCE SHEET AS AT MARCH 31, 2009
SCHEDULE at 31.03.09 As LIABILITIES Capital Employee Stock Options Outstanding Reserves and Surplus Deposits Borrowings Other Liabilities and Provisions TOTAL I XVIII (9) II III IV V 2 0.0052 6 100 8 9 125

ASSETS Cash and Balances with Reserve Bank of India Balances with Banks and Money at Call and Short Notice Investments Advances Fixed Assets Other Assets TOTAL

VI

5

VII VIII IX X XI

3 37 71 3 5 125

Contingent Liabilities Bills for Collection Principal Accounting Policies Notes on Accounts

XII

200 13

XVII XVIII

1.00

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2009
SCHEDULE I. INCOME Interest Earned Other Income TOTAL II. EXPENDITURE Interest Expended Operating Expenses Provisions and Contingencies TOTAL III. PROFIT Profit brought forward AMOUNT AVAILABLE FOR APPROPRIATION IV. APPROPRIATIONS Transfer to a) Statutory b) Capital c) Investment Reserve Account d) Dividend e) Corporate Balance transferred to Balance Sheet TOTAL Earnings per share (basic)(Rupees) Earnings per share (diluted)(Rupees) Principal Accounting Policies Notes on Accounts XVIII(10.6) XVIII(10.6) XVII XVIII XV XVI XIII XIV

TOTAL

MARCH 31, 2009
Year ended 31.03.09 10.4452646 2.0635382 12.5088028 8.3691554 2.4741196 0.9946227 11.8378977 0.6709050 1.0989956 1.7699006

0.1677263 0.2415300 0.0069303 0.2022207 0.0343673 0.6527745 1.1171261 1.7699006 0.0000019 0.0000019

CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2009

A. Cash Flow from Operating Activities Net Profit after taxes Adjustments for non-cash charges : Depreciation on Fixed Assets Provision on Investments Tax Provisions (Income Tax/ Wealth Tax/ Deferred Tax) Employees Stock Option Expenses Loan loss and Other Provisions Interest on Tier II / Upper Tier II bonds (treated separately) (Profit) / Loss on sale of Fixed assets Operating Profit before Working Capital changes Adjustments for : Increase in trade and Other Receivables (Advances and Other Assets) Increase in Inventories (Investments) Increase in Trade Payables (Deposits, Borrowings and Other Liabilities) Cash generated from Operations Direct taxes paid Net Cash from Operating Activities B. Cash Flow from Investing Activities Purchase of Fixed Assets Sale of Fixed Assets (Proceeds) Net Cash used in Investing Activities C. Cash Flow from Financing Activities Proceeds from GDR issue – Capital – Premium Dividends paid Proceeds from Issue of Unsecured Non-Convertible Redeemable Subordinated Tier II Bonds Proceeds from Unsecured Non-convertible Redeemable Non-Cumulative Subordinated Upper Tier II Bonds Redemption of Sub-ordinated Tier II capital Interest on Tier II / Upper Tier II bonds Net Cash used in Financing Activities Net increase in Cash and Cash Equivalents Cash and Cash Equivalents as on the first day of the year Cash and Cash Equivalents as on the last day of the year

DED MARCH 31, 2009
For the year ended 31.3.2009 148.34 44.17 (3.09) 79.15 0.64 143.85 77.27 2.6 492.93 (3311.17) (1450.62) 3946.23 (322.63) 67.22 (389.85)

51.05 2.06 48.99

35.19 187 24.92 100 – 35.5 77.27 184.5 254.34 2178.03 1923.69