Balance -------------------

Sheet of in Rs. Cr.

HDFC Bank -------------------

Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share
544.66 519.02 512.51
Capital
Equity Share
544.66 519.02 512.51
Capital

Reserves 148,661.69 105,775.98 88,949.84

Net Worth 149,206.35 106,295.00 89,462.35

Deposits 923,140.93 788,770.64 643,639.66

Borrowings 117,085.12 123,104.97 74,028.87

Total Debt 1,040,226.05 911,875.61 717,668.53 1,189,432.40 1,018,170.61 807,130.88

Other
Liabilities & 55,108.29 45,763.72 56,709.32
Provisions
Total
1,244,540.69 1,063,934.33 863,840.20
Liabilities

Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Assets
Cash &
Balances with 46,763.62 104,670.47 37,896.88
RBI
Balance with
Banks, Money 34,584.02 18,244.61 11,055.22
at Call

Advances 819,401.22 658,333.09 554,568.20

Investments 290,587.88 242,200.24 214,463.34

Gross Block 4,030.00 3,607.20 3,626.74

Net Block 4,030.00 3,607.20 3,626.74

Other Assets 49,173.95 36,878.70 42,229.82

Total Assets 1,244,540.69 1,063,934.31 863,840.20

Contingent
1,074,667.92 483,718.75 378,692.15
Liabilities
Book Value
547.89 409.6 349.12
(Rs)
Balance
Sheet of -------------------
Kotak in Rs. Cr.
Mahindra -------------------
Bank

Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share
1,454.38 952.82 920.45
Capital
Equity Share
954.38 952.82 920.45
Capital
Share
Application 2.07 2.17 1.87
Money

Preference
500 0 0
Share Capital

Reserves 41,444.00 36,528.83 26,695.62

Net Worth 42,900.45 37,483.82 27,617.94

Deposits 225,880.36 192,643.27 157,425.86

Borrowings 32,248.29 25,154.15 21,095.48

301,029.10 255,281.24 206,139.28
Total Debt 258,128.65 217,797.42 178,521.34

Other
Liabilities & 11,142.98 9,652.15 8,450.68
Provisions
Total
312,172.08 264,933.39 214,589.96
Liabilities
Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Assets

Cash &
Balances with 10,877.52 8,908.51 7,492.43
RBI
Balance with
Banks, Money 13,798.02 10,711.60 15,079.58
at Call
Advances 205,694.81 169,717.92 136,082.13

Investments 71,189.09 64,562.35 45,074.19

Gross Block 1,651.55 1,527.16 1,537.63

Net Block 1,651.55 1,527.16 1,537.63

Other Assets 8,961.11 9,505.86 9,324.00

Total Assets 312,172.10 264,933.40 214,589.96

Contingent
243,934.50 229,360.15 213,385.80
Liabilities
Book Value
222.13 196.69 150.01
(Rs)
Profit & Loss -------------------
account of in Rs. Cr.
HDFC Bank -------------------

Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Income
Interest
98,972.05 80,241.36 69,305.96
Earned

Other Income 17,625.88 15,220.30 12,296.50

Total Income 116,597.93 95,461.66 81,602.46

Expenditure
Interest
50,728.83 40,146.49 36,166.73
expended
Employee
7,761.76 6,805.74 6,483.66
Cost

Selling, Admin
& Misc 35,889.08 30,116.35 23,569.30
Expenses

Depreciation 1,140.10 906.34 833.12

Operating
26,119.37 22,690.37 19,703.34
Expenses

Provisions &
18,671.57 15,138.06 11,182.74
Contingencies

Total
95,519.77 77,974.92 67,052.81
Expenses
Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Net Profit for

the Year
21,078.17 17,486.73 14,549.64 71,807.00 57,633.22 50,716.37
Profit brought
40,453.42 32,668.94 23,527.69
forward
Total 61,531.59 50,155.67 38,077.33
Equity
4,052.59 0 0
Dividend
Corporate
0 0 0
Dividend Tax
Per share data (annualised)
Earning Per
77.4 67.38 56.78
Share (Rs)
Equity
750 650 550
Dividend (%)
Book Value
547.89 409.6 349.12
(Rs)
Appropriations
Transfer to
Statutory 6,147.88 7,953.58 3,953.42
Reserves
Transfer to
Other 2,107.81 1,748.68 1,454.97
Reserves
Proposed
Dividend/Tran 4,052.59 0 0
sfer to Govt
Balance c/f to
Balance 49,223.30 40,453.42 32,668.94
Sheet
Total 61,531.58 50,155.68 38,077.33
Profit & Loss
account of -------------------
Kotak in Rs. Cr.
Mahindra -------------------
Bank

Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Income
Interest
23,943.21 19,748.50 17,698.93
Earned

Other Income 4,604.03 4,052.21 3,477.16

Total Income 28,547.24 23,800.71 21,176.09

Expenditure
Interest
12,684.25 10,216.81 9,572.78
expended
Employee
3,183.61 2,950.23 2,768.53
Cost

Selling, Admin
& Misc 7,447.13 6,246.67 5,132.62
Expenses

Depreciation 366.92 302.69 290.66

Operating
7,514.81 6,425.72 5,618.50
Expenses

Provisions &
3,482.85 3,073.87 2,573.31
Contingencies

Total
23,681.91 19,716.40 17,764.59
Expenses
Mar '19 Mar '18 Mar '17

12 mths 12 mths 12 mths

Net Profit for

the Year
4,865.33 4,084.30 3,411.50 17,549.58 14,301.11 12,984.28
Profit brought
13,604.60 10,756.29 8,214.12
forward
Total 18,469.93 14,840.59 11,625.62
Equity
160.28 114.21 0.07
Dividend
Corporate
23.68 21.7 -0.68
Dividend Tax
Per share data (annualised)
Earning Per
25.49 21.43 18.53
Share (Rs)
Equity
16 14 12
Dividend (%)
Book Value
222.13 196.69 150.01
(Rs)
Appropriations
Transfer to
Statutory 1,366.68 1,100.08 869.94
Reserves
Transfer to
Other 0 0.01 0
Reserves
Proposed
Dividend/Tran 183.96 135.91 -0.61
sfer to Govt
Balance c/f to
Balance 16,919.29 13,604.60 10,756.29
Sheet
Total 18,469.93 14,840.60 11,625.62
Capitalisation Ratio

Particulars HDFC KMBL

Mar '19 Mar '18 Mar '17 Mar '19 Mar '18

Return on Capital Employed EBIT/Capital Employed*100 EBIT/Capital Employed

6.04 5.66 6.28 5.83 5.60

Net Profit Margin Net Profit/Revenue*100 Net Profit/Revenue*100

21.30 21.79 20.99 20.32 20.68

Return on Assets EBIT/Assets*100 EBIT/Assets*100

5.77 5.42 5.87 5.62 5.40

Debt equity ratio Debt/Equity Debt/Equity

6.97 8.58 8.02 6.02 5.81

Asset turnover Interest Earned/Asset Interest Earned/Asset

0.07952496 0.07542 0.08023 0.0766988 0.0745414
 KMBL
Mar '17

Capital Employed
6.30

ofit/Revenue*100
19.28

IT/Assets*100
6.05

Debt/Equity
6.46

est Earned/Asset
0.0824779