kotak statements

8/7/2019 Kotak Statements

http://slidepdf.com/reader/full/kotak-statements 1/5

atest Quarterly/Halfyearly

As on(Months) 31-Dec-10(3) 31-Dec-09(3) % Change

Interest Income 11354.00 8324.18 36.40

Other Income 1653.40 1447.87 14.20

Total Income 13007.40 9772.05 33.11

Interest Expenses 5639.19 3457.64 63.09Other Expenses 4220.99 2945.49 43.30

Provision & Contingencies 426.58 1276.55 -66.58

OPBDT 2720.64 2092.37 30.03

Depreciation 0.00 0.00 --

Extra-Ordinary / Cash Adjustment 0.00 0.00 --

Provision for Tax 841.91 668.53 25.93

After tax Profit 1878.74 1423.84 31.

Equity Capital 3681.51 3476.96 5.88

Reserves 0.00 0.00 --

Notes to Accounts Click here Click here Click here

Income Statement

31-Mar-10(12) 31-Mar-09(12) 31-Mar-08(12)

Profit/Loss A/C Rs. mn %OI Rs. mn %OI Rs. mn %OI

Interest Income Earned 32556.25 83.82 30651.44 88.38 25353.64 83.11

Commission, Exchange and Brokerage Income 3055.05 7.87 2237.48 6.45 2220.81 7.28

Lease Income 0.00 0.00 0.00 0.00 0.00 0.00

Dividend Income 408.83 1.05 280.81 0.81 275.65 0.90

Miscellaneous Income 2818.52 7.26 1511.98 4.36 2655.10 8.70

Other Income 6282.40 16.18 4030.27 11.62 5151.56 16.89

Total Income (OI) 38838.65 100.00 34681.71 100.00 30505.21 100.00

Interest Expenditure 13974.75 35.98 15465.98 44.59 13095.63 42.93

Employee Expenditure 5834.76 15.02 5836.33 16.83 5192.32 17.02

Depreciation 899.96 2.32 695.57 2.01 508.55 1.67

Other Operating Expenditure 5159.22 13.28 5883.97 16.97 5009.79 16.42

Provision and Contingencies 7358.90 18.95 4038.89 11.65 3759.58 12.32

Total Expenditure 33227.59 85.55 31920.74 92.04 27565.88 90.36

Pretax Income 5611.06 14.45 2760.97 7.96 2939.33 9.64

Tax 0.00 0.00 0.00 0.00 0.00 0.00

Extra Ordinary and Prior Period Items Net 0 0.00 0 0.00 0 0.00

Net Profit 5611.06 14.45 2760.97 7.96 2939.33 9.64

Adjusted Net Profit 5611.06 14.45 2760.97 7.96 2939.33 9.64

Dividend - Preference 0.00 0.00 0.00 0.00 0.00 0.00

Dividend - Equity 296.61 0.76 259.55 0.75 258.70 0.85

Balance Sheet

31-Mar-10 %BT 31-Mar-09 %BT 31-Mar-08 %BT

Equity Capital 3481.41 0.93 3456.69 1.20 3446.73 1.22

Preference Capital 0.00 0.00 0.00 0.00 0.00 0.00

Share Capital 3481.41 0.93 3456.69 1.20 3446.73 1.22

Reserves and Surplus 41369.74 11.05 34679.49 12.08 31908.22 11.27



Deposits 238864.67 63.81 156439.96 54.49 164236.46 58.01

Borrowings 61405.13 16.40 67340.11 23.45 51192.53 18.08

Other Provisions and Liabilities 28694.19 7.66 24283.40 8.46 31757.54 11.22

Capital and Liabilities (BT) 374363.16 100.00 287118.74 100.00 283123.61 100.00

Fixed Assets 4276.49 1.14 2133.56 0.74 2102.49 0.74

Investments 125126.63 33.42 91101.80 31.73 91419.88 32.29 Advances 207750.54 55.49 166253.37 57.90 155522.23 54.93

Cash & Money at Call 23002.64 6.14 11406.70 3.97 21226.74 7.50

Other Current Assets 14206.87 3.79 16223.31 5.65 12852.28 4.54

Properties and Assets (BT) 374363.16 100.00 287118.74 100.00 283123.61 100.00

Ratio Analysis

As on 31-Mar-09 31-Mar-08 31-

Profitablility

Interest Income/Total Income (%) 88.40 83.10 82.70

Non Interest Income/Total Income (%) 11.60 16.90 17.30

Reported Net Profit/Total Income (%) 8.00 9.60 8.60 Net Interest Income/Total Income (%) 43.80 40.20 40.00

Net Interest Margin (%) 9.10 7.90 6.00

Return Related

ROE (%) 7.20 8.30 8.70

ROA (%) 1.00 1.00 0.70

Leverage & Capital Measures

Customer loans/deposits (%) 106.30 94.70 99.40

Investments/Deposits (%) 58.20 55.70 62.40

Total Liabilities/Networth 7.50 8.00 12.20

Growth (%)Growth in Interest Income 20.90 87.24 88.36

Growth in Interest Expenses 18.10 87.28 106.31

Growth in Employee cost 12.40 77.22 70.95

Growth in PAT -- 107.92 27.58

Growth in Deposits -- 49.37 67.46

Growth in Borrowings 15.33 0.38 216.91

Per Share

Book Value Per Share (Rs) 110.30 102.60 50.10

Earnings Per Share (Rs) 8.00 8.50 4.30

Dividend Per Share (Rs) 0.80 0.80 0.70



Key Financial Ratios of Kotak MahindraBank

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



Mar '06

Mar '07 Mar '08 Mar '09 Mar '10

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00

Dividend Per Share 0.60 0.70 0.75 0.75 0.85

Operating Profit Per Share (Rs) 6.51 7.10 16.32 13.08 25.88

Net Operating Profit Per Share (Rs) 29.42 48.81 81.83 94.39 105.01

Free Reserves Per Share (Rs) 13.00 34.53 85.15 89.63 102.80

Bonus in Equity Capital 59.80 56.71 53.66 53.51 53.13

Profitability RatiosInterest Spread 4.66 5.38 6.01 8.31 8.11

Adjusted Cash Margin(%) 16.18 10.98 12.12 10.45

Net Profit Margin 12.97 8.84 10.37 8.35 15.23

Return on Long Term Fund(%) 59.26 54.27 47.47 50.50 48.71

Return on Net Worth(%) 14.58 11.19 8.17 7.06 12.35

Adjusted Return on Net Worth(%) 13.64 8.47 8.14 7.06 1

Return on Assets Excluding Revaluations 1.16 50.95 104.26 112.98 130.40

Return on Assets Including Revaluations 1.16 50.95 104.26 112.98 130.40

Management Efficiency Ratios

Interest Income / Total Funds 10.90 10.58 11.70 11.44 11.05

Net Interest Income / Total Funds 6.84 5.93 6.27 6.02 6.83

Non Interest Income / Total Funds 0.02 0.04 0.06 0.15 0.08

Interest Expended / Total Funds 4.06 4.65 5.43 5.42 4.23

Operating Expense / Total Funds 4.43 4.40 3.93 4.43 4.10

Profit Before Provisions / Total Funds 2.08 1.35 2.18 1.49 2.53

Net Profit / Total Funds 1.42 0.94 1.22 0.97 1.70

Loans Turnover 0.18 0.18 0.21 0.20 0.20

Total Income / Capital Employed(%) 10.92 10.62 11.75 11.59 11.13

Interest Expended / Capital Employed(%) 4.06 4.65 5.43 5.42 4.23

Total Assets Turnover Ratios 0.11 0.11 0.12 0.11 0.11

Asset Turnover Ratio 4.43 5.82 7.21 7.08

Profit And Loss Account Ratios

Interest Expended / Interest Earned 48.86 51.64 51.65 50.46 42.93

Other Income / Total Income 0.18 0.37 0.50 1.27 0.71

Operating Expense / Total Income 40.53 41.38 33.46 38.25 36.87

Selling Distribution Cost Composition 5.64 4.87 3.27 2.04 1.47

Balance Sheet Ratios

Capital Adequacy Ratio 11.27 13.46 18.65 20.01 18.35

Advances / Loans Funds(%) 94.33 90.00 82.63 77.16

Debt Coverage Ratios

Credit Deposit Ratio 95.40 98.33 96.55 100.34 94.61

Investment Deposit Ratio 43.10 55.32 58.36 56.92 54.70

Cash Deposit Ratio 6.05 6.66 8.98 8.44 7.79

Total Debt to Owners Fund 7.59 6.62 4.57 4.01 5.26Financial Charges Coverage Ratio 1.60 1.34 1.44 1.32 1.66

Financial Charges Coverage Ratio Post Tax 1.44 1.25 1.26 1.22 1.47

Leverage Ratios

Current Ratio 0.04 0.05 0.06 0.09 0.05

Quick Ratio 6.20 5.74 5.83 5.91 8.46

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 18.76 18.91 10.29 10.07 5.28



Dividend Payout Ratio Cash Profit 15.00 15.18 8.77 8.04 4.55

Earning Retention Ratio 81.20 81.01 89.67 89.92 94.75

Cash Earning Retention Ratio 84.97 84.77 91.20 91.95 95.47

AdjustedCash Flow Times 44.50 62.66 47.79 45.30

Mar '06 Mar '07 Mar '08 Mar '09 Mar '10

Earnings Per Share 3.82 4.33 8.53 7.99 16.12

Book Value 27.95 50.95 104.26 112.98 130.40

kotak statements

Documents