Man 23

NAME:- PRASAD MORE
PART 2
AXIS BANK
COMPANY PROFILE
Axis Bank, formerly UTI Bank, is Indias third largest private-sector bank after the significantly large
ICICI Bank and HDFC Bank. It is engaged in Large & Mid Corporate Banking, Retail Banking, SME
banking, Agri-business banking, International Banking, treasury etc. It has the largest EDC (Electronic
Data Capturing Machines) network, the third largest ATM network and the fourth largest base of
debit cards in India. It also has overseas branches at Singapore, Hong Kong and Dubai; and
representative offices at Shanghai and Dubai. It has advance and cutting edge technology. Since its
inception,Axis Bank has been jointly promoted by UTI-I, LIC, GIC and four other PSU insurance
companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The
Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
Management - Axis Bank
Name Designation
Sanjiv Misra
Non Executive Chairman
K N Prithviraj
Director
S B Mathur
Director
R N Bhattacharyya
Director
A K Dasgupta
Director
V Srinivasan
Executive Director
Ireena Vittal
Addnl. & Ind.Director
Name Designation
Shikha Sharma Managing Director & CEO
V R Kaundinya Director
Prasad R Menon
Director
Samir K Barua Director

Som Mittal
Director
Somnath Sengupta
Executive Director
Rohit Bhagat
Addnl. & Ind.Director
Balance Sheet of Axis Bank
------------------- in Rs. Cr. ------------------Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital
413.20
410.55
405.17
359.01
357.71
Equity Share Capital
413.20
410.55
405.17
359.01
357.71
Share Application Money
0.00
0.00
0.17
1.21
2.19
Preference Share Capital
0.00
0.00
0.00
0.00
0.00
Reserves
22,395.34 18,588.28
15,639.27
9,854.58
8,410.79
Revaluation Reserves
0.00
0.00
0.00
0.00
Net Worth
22,808.54 18,998.83
16,044.61
10,214.80
8,770.69
Deposits
220,104.30189,237.80
141,300.22
117,374.11
87,626.22
Borrowings
34,071.67 26,267.88
17,169.55
10,185.48
5,624.04
Total Debt
254,175.97215,505.68
158,469.77
127,559.59
93,250.26
Other Liabilities & Provisions
8,643.27
6,133.46
9,947.67
7,556.90
Total Liabilities
285,627.78242,713.37
180,647.84
147,722.06
109,577.8
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Capital and Liabilities:
0.00
8,208.86
Assets
Cash & Balances with RBI
10,702.92 13,886.16
9,473.88
9,419.21
7,305.66
Balance with Banks, Money at Call
3,230.99
5,732.56
5,597.69
5,198.58
7,522.49
Advances
169,759.54142,407.83
104,343.12
81,556.77
59,661.14
Investments
93,192.09 71,991.62
55,974.82
46,330.35
33,705.10
Gross Block
3,583.67
3,426.49
2,107.98
1,741.86
1,384.70
Accumulated Depreciation
1,395.12
1,176.03
942.79
726.45
590.33
Net Block
2,188.55
2,250.46
1,165.19
1,015.41
794.37
Capital Work In Progress
70.77
22.69
57.24
57.48
128.48
Other Assets
6,482.93
4,632.12
3,901.06
3,745.15
2,784.51
Total Assets
285,627.79242,713.37
180,647.87
147,722.06
109,577.8
Contingent Liabilities
449,976.11429,069.63
296,125.58
104,428.39
78,028.44
Bills for collection
64,895.87 57,400.80
35,756.32
29,906.04
16,569.95
Book Value (Rs)
551.99
395.99
284.50
245.13
Profit & Loss account of Axis Bank
462.77
------------------- in Rs. Cr. ------------------Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
21,994.6515,154.81
11,638.02
10,835.49
7,005.32
Other Income
5,420.22 4,632.13
3,945.78
2,896.88
1,750.59
Total Income
27,414.8719,786.94
15,583.80
13,732.37
8,755.91
Interest expended
13,976.908,591.82
6,633.53
7,149.27
4,419.96
Employee Cost
2,080.17 1,613.90
1,255.82
997.66
670.25
Selling and Admin Expenses
2,478.47 2,406.59
2,443.05
1,572.83
952.61
Income
Expenditure
Depreciation
342.24
Miscellaneous Expenses
289.59
234.32
188.67
158.11
4,294.88 3,496.55
2,502.55
2,008.57
1,483.94
Preoperative Exp Capitalised
0.00
0.00
0.00
0.00
Operating Expenses
6,867.53 5,734.55
5,066.76
3,590.42
2,454.03
Provisions & Contingencies
2,328.23 2,072.08
1,368.98
1,177.31
810.88
Total Expenses
23,172.6616,398.45
13,069.27
11,917.00
7,684.87
Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Net Profit for the Year
4,242.21 3,388.49
2,514.53
1,815.36
1,071.03
Extraordionary Items
0.00
0.00
0.00
0.00
Profit brought forward
4,969.77 3,427.43
2,348.09
1,553.87
1,029.07
Total
9,211.98 6,815.92
4,862.62
3,369.23
2,100.10
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
770.07
670.36
567.45
420.52
251.64
Corporate Dividend Tax
0.00
0.00
0.00
0.00
0.00
Earning Per Share (Rs)
102.67
82.54
62.06
50.57
29.94
Equity Dividend (%)
160.00
140.00
120.00
100.00
60.00
Book Value (Rs)
551.99
462.77
395.99
284.50
245.13
Transfer to Statutory Reserves
1,112.46 836.95
867.43
600.62
294.60
Transfer to Other Reserves
0.00
338.84
0.31
0.00
-0.01
Proposed Dividend/Transfer to Govt
770.07
670.36
567.45
420.52
251.64
Balance c/f to Balance Sheet
7,329.45 4,969.77
3,427.43
2,348.09
1,553.87
Total
9,211.98 6,815.92
4,862.62
3,369.23
2,100.10
0.00
0.00
Per share data (annualised)
Appropriations
Key Financial Ratios of Axis Bank
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
Investment Valuation Ratios

Face Value
10.00 10.00
10.00
10.00
10.00
Dividend Per Share
16.00 14.00
12.00
10.00
6.00
Operating Profit Per Share (Rs)
157.89129.26
97.29
83.56
56.88
Net Operating Profit Per Share (Rs)
654.06471.17
380.27
377.46
244.63
Free Reserves Per Share (Rs)
431.32373.06
325.87
230.47
208.03
Bonus in Equity Capital
--
--
--
--
--
Interest Spread
3.91
3.73
3.95
4.24
3.77
Adjusted Cash Margin(%)
16.69 18.71
17.63
14.76
14.19
Net Profit Margin
15.51 17.20
16.10
13.31
12.22
Return on Long Term Fund(%)
88.75 72.29
66.34
97.35
71.17
Return on Net Worth(%)
18.59 17.83
15.67
17.77
12.21
Adjusted Return on Net Worth(%)
18.51 17.87
15.69
17.85
12.38
Return on Assets Excluding Revaluations
551.99462.77
395.99
284.50
245.13
Return on Assets Including Revaluations
551.99462.77
395.99
284.50
245.13
Interest Income / Total Funds
10.23 9.14
9.38
10.53
9.57
Net Interest Income / Total Funds
4.94
5.34
4.98
4.74
Profitability Ratios
Management Efficiency Ratios
5.08
Non Interest Income / Total Funds
0.12
0.17
0.12
0.06
0.02
Interest Expended / Total Funds
5.29
4.06
4.04
5.56
4.83
Operating Expense / Total Funds
2.47
2.57
2.94
2.64
2.51
Profit Before Provisions / Total Funds
2.46
2.54
2.38
2.25
2.07
Net Profit / Total Funds
1.61
1.60
1.53
1.41
1.17
Loans Turnover
0.17
0.16
0.17
0.19
0.18
Total Income / Capital Employed(%)
10.35 9.30
9.51
10.60
9.59
Interest Expended / Capital Employed(%)
5.29
4.06
4.04
5.56
4.83
Total Assets Turnover Ratios
0.10
0.09
0.09
0.11
0.10
Asset Turnover Ratio
0.11
0.09
0.10
0.11
6.32
Profit And Loss Account Ratios

Interest Expended / Interest Earned
63.55 56.69
57.00
65.98
63.09
Other Income / Total Income
1.14
1.30
0.60
0.16
Operating Expense / Total Income
23.87 27.65
30.96
24.95
26.20
Selling Distribution Cost Composition
0.32
0.30
0.34
0.85
1.78
0.40
Balance Sheet Ratios

Capital Adequacy Ratio
13.66 12.65
15.80
13.69
13.73
Advances / Loans Funds(%)
72.29 76.16
72.96
73.87
75.89
Credit Deposit Ratio
76.26 74.65
71.87
68.89
65.94
Investment Deposit Ratio
40.35 38.71
39.55
39.04
41.39
Cash Deposit Ratio
6.01
7.07
7.30
8.16
8.17
Total Debt to Owners Fund
9.65
9.96
8.81
11.49
9.99
Financial Charges Coverage Ratio
0.49
0.66
1.62
1.43
1.46
Financial Charges Coverage Ratio Post Tax
1.33
1.43
1.41
1.28
1.28
0.03
0.02
0.03
0.03
0.03
Debt Coverage Ratios
Leverage Ratios
Current Ratio
Quick Ratio
21.63 19.60
19.19
9.52
9.23
Dividend Payout Ratio Net Profit
18.15 19.78
22.56
23.16
23.49
Dividend Payout Ratio Cash Profit
16.79 18.22
20.64
20.98
20.47
Earning Retention Ratio
81.77 80.26
77.47
76.94
76.84
Cash Earning Retention Ratio
83.13 81.81
79.39
79.11
79.78
AdjustedCash Flow Times
48.22 51.35
51.33
58.33
70.42
Mar
'12
Mar '10
Mar '09
Mar '08
Cash Flow Indicator Ratios
Mar '11
Earnings Per Share
102.6782.54
62.06
50.57
29.94
Book Value
551.99462.77
395.99
284.50
245.13
KOTAK MAHINDRA
COMPANY PROFILE
Management - Kotak Mahindra
Name Designation
Prakash Apte
Director
N P Sarda
Director
Uday Kotak
Exec. Vice Chairman & Mang Dir
Dipak Gupta
Joint Managing Director
S Mahendra Dev
Additional Director
Name Designation
Amit Desai
Director
Shankar Acharya
Non Executive Chairman
C Jayaram
Joint Managing Director
Asim Ghosh
Director
Balance Sheet of Kotak Mahindra Bank
------------------- 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
373.30
370.34
368.44
348.14
345.67
373.30
370.34
368.44
348.14
345.67
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
9,091.19 7,610.41
6,464.95
4,191.78
3,559.86
0.00
0.00
0.00
0.00
Net Worth
9,464.49 7,980.75
6,833.39
4,539.92
3,905.53
Deposits
51,028.7738,536.52
29,260.97
23,886.47
15,644.93
Borrowings
20,410.6216,595.52
11,723.95
6,140.51
5,904.07
Total Debt
71,439.3955,132.04
40,984.92
30,026.98
21,549.00
2,789.81 2,553.67
3,032.36
2,869.42
3,257.34
Total Liabilities
83,693.6965,666.46
50,850.67
37,436.32
28,711.87
Mar '13 Mar '12
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
2,207.90 2,016.49
2,107.72
2,085.67
995.35
1,481.26 618.06
363.26
214.59
145.32
0.00
Assets
Advances
48,468.9839,079.23
29,329.31
20,775.05
16,625.34
Investments
28,873.4321,566.81
17,121.44
12,512.66
9,110.18
Gross Block
464.42
955.41
831.80
745.34
460.61
0.00
505.45
406.20
317.69
247.25
Net Block
464.42
449.96
425.60
427.65
213.36
0.00
0.00
0.00
0.00
0.00
Other Assets
2,197.69 1,935.91
1,503.33
1,420.69
1,622.33
Total Assets
83,693.6865,666.46
50,850.66
37,436.31
28,711.88
22,830.8117,319.52
12,291.30
4,156.15
4,486.28
6,470.50 6,166.00
4,470.06
3,063.64
1,188.17
Book Value (Rs)
126.77
92.74
130.40
112.98
Profit & Loss account of Kotak Mahindra Bank
107.75
------------------- 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
8,042.496,180.24
4,303.56
3,255.62
3,065.14
Other Income
1,160.66848.42
507.56
420.97
157.56
Total Income
9,203.157,028.66
4,811.12
3,676.59
3,222.70
Interest expended
4,836.823,667.75
2,058.49
1,397.48
1,546.60
Employee Cost
1,075.14902.36
783.83
583.48
583.63
0.00
487.82
648.07
552.91
Depreciation
132.53 116.76
98.27
90.00
69.56
Income
Expenditure
542.71
1,797.95714.03
564.53
396.47
193.91
0.00
0.00
0.00
0.00
Operating Expenses
2,209.731,754.66
1,528.58
1,447.42
1,333.60
795.89 521.20
405.87
270.60
66.41
Total Expenses
7,842.445,943.61
3,992.94
3,115.50
2,946.61
Mar '13 Mar '12
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
1,360.721,085.05
818.18
561.11
276.10
0.00
0.00
2.01
0.00
2,162.791,494.52
965.91
648.94
528.17
Total
3,523.512,579.57
1,784.09
1,212.06
804.27
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
52.38
44.49
36.88
29.66
25.96
7.29
7.22
4.37
0.00
1.86
18.23
14.65
11.10
16.12
7.99
Equity Dividend (%)
14.00
12.00
10.00
8.50
7.50
Book Value (Rs)
126.77 107.75
92.74
130.40
112.98
379.20 310.81
207.41
188.43
113.70
68.04
54.26
40.91
28.06
13.80
59.67
51.71
41.25
29.66
27.82
3,016.602,162.79
1,494.52
965.91
648.94
Total
3,523.512,579.57
1,784.09
1,212.06
804.26
0.00
0.00
Appropriations
Key Financial Ratios of Kotak Mahindra Bank
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
5.00
5.00
5.00
10.00
10.00
Dividend Per Share
0.70
0.60
0.50
0.85
0.75
15.11 23.31
16.97
25.88
13.08
107.7294.94
64.31
105.01
94.39
--
87.75
76.84
102.80
89.63
49.55 49.94
50.20
53.13
53.51
Interest Spread
--
6.83
8.11
8.31
16.22 17.04
19.26
17.76
10.45
Net Profit Margin
14.78 15.39
17.19
15.23
8.35
65.48 65.99
47.50
48.71
50.50
14.37 13.59
11.97
12.35
7.06
14.37 13.58
11.97
12.42
7.06
126.77107.75
92.74
130.40
112.98
126.77107.75
92.74
130.40
112.98
10.77 12.07
10.74
11.05
11.44
6.36

4.29
5.78
6.07
6.83
6.02
1.55
0.02
0.04
0.08
0.15
6.48
6.30
4.66
4.23
5.42
2.78
2.81
3.24
4.10
4.43
2.89
2.79
2.65
2.53
1.49
1.82
1.86
1.85
1.70
0.97
Loans Turnover
0.41
0.21
0.19
0.20
0.20
12.32 12.09
10.78
11.13
11.59
6.48
6.30
4.66
4.23
5.42
0.11
0.12
0.11
0.11
0.11
0.11
0.13
0.12
0.12
0.13

60.14 59.35
47.83
42.93
50.46
12.61 0.20
0.40
0.71
1.27
22.57 23.25
30.06
36.87
38.25
--
2.17
1.47
2.04
1.86

16.05 17.52
19.92
18.35
20.01
--
82.60
80.56
77.16
81.32

43.63 100.90
94.27
94.61
100.34
56.32 57.06
55.76
54.70
56.92
Cash Deposit Ratio
4.72
6.08
7.89
7.79
8.44
5.39
4.83
4.28
5.26
4.01
0.47
0.47
0.62
1.66
1.32
1.31
1.33
1.45
1.47
1.22
Leverage Ratios
Current Ratio
0.94
Quick Ratio
0.05
0.05
0.05
0.09
18.95 16.85
10.86
8.46
5.91
4.38
4.76
5.04
5.28
10.07
3.99
4.30
4.50
4.55
8.04
95.62 95.24
94.96
94.75
89.92
96.01 95.70
95.50
95.47
91.95
34.17 32.08
31.93
36.52
45.30
Mar
'13
Mar '11
Mar '10
Mar '09
Mar '12
Earnings Per Share
18.23 14.65
11.10
16.12
7.99
Book Value
126.77107.75
92.74
130.40
112.98
IDFC BANK
Management - IDBI Bank
Name Designation
R M Malla
Chairman & Managing Director
P K Chaudhery Government Director

Subhash Tuli
Independent Director
Ninad Karpe
Name Designation
B K Batra
Deputy Managing Director
P S Shenoy
S Ravi Independent Director

Snehlata Srivastava
Government Director
Balance Sheet of IDBI Bank
------------------- in Rs. Cr. ------------------Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital
1,278.38
984.57
724.86
724.78
724.76
1,278.38
984.57
724.86
724.78
724.76
0.00
0.99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
16,295.61 11,686.25
7,502.26
6,719.52
6,075.13
1,853.93
1,937.72
1,979.56
2,022.07
Net Worth
19,427.92 14,567.58
10,164.84
9,423.86
8,821.96
Deposits
210,492.56180,485.79
167,667.08
112,401.01
72,997.98
Borrowings
53,477.64 51,569.65
47,709.48
44,417.04
38,612.55
Total Debt
263,970.20232,055.44
215,376.56
156,818.05
111,610.5
7,439.12
8,030.62
6,160.40
10,261.89
Total Liabilities
290,837.24253,376.79
233,572.02
172,402.31
130,694.3
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
1,895.77
6,753.77
Assets
15,090.21 19,559.05
13,903.47
8,590.82
6,694.83
2,967.44
679.36
2,628.50
2,063.94
1,207.03
Advances
181,158.43157,098.07
138,201.85
103,428.34
82,212.69
Investments
83,175.36 68,269.18
73,345.46
50,047.60
32,802.93
Gross Block
4,548.74
4,375.10
4,085.27
3,873.95
3,894.76
1,554.43
1,405.82
1,250.35
1,127.40
1,173.59
Net Block
2,994.31
2,969.28
2,834.92
2,746.55
2,721.17
24.50
68.06
162.04
77.56
44.80
Other Assets
5,426.98
4,206.13
4,444.91
4,882.96
4,154.02
Total Assets
290,837.23253,376.80
233,572.01
172,402.33
130,694.3
122,965.13108,278.85
101,597.45
96,523.34
89,811.14
31,232.30 29,995.93
26,695.59
20,053.80
14,226.75
Book Value (Rs)
137.47
113.50
102.71
93.82
128.69
Source : Dion Global Solutions Limited

Profit & Loss account of IDBI Bank
------------------- in Rs. Cr. ------------------Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
23,369.9318,600.82
15,272.63
11,631.63
8,020.84
Other Income
2,009.54 2,103.56
2,341.96
1,475.72
1,751.26
Total Income
25,379.4720,704.38
17,614.59
13,107.35
9,772.10
Interest expended
18,825.0814,271.93
13,005.22
10,305.72
7,364.41
Employee Cost
1,160.44 1,026.50
756.99
569.24
384.61
1,598.62 1,830.00
720.90
504.21
365.50
Depreciation
116.06
90.98
52.70
83.50
Income
Expenditure
127.04
1,784.92 1,798.60
2,009.37
816.93
844.62
0.00
0.00
0.00
0.00
Operating Expenses
3,567.82 3,509.84
2,067.76
1,481.66
1,092.36
1,092.22 1,272.30
1,510.48
461.42
585.87
Total Expenses
23,485.1219,054.07
16,583.46
12,248.80
9,042.64
Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
1,894.34 1,650.32
1,031.13
858.54
729.46
137.25
0.00
0.00
0.00
0.00
615.02
470.40
71.20
21.04
1,314.90
Total
2,646.61 2,120.72
1,102.33
879.58
2,044.36
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
388.68
344.60
217.46
181.20
144.95
60.33
55.27
31.47
30.79
22.27
14.82
16.76
14.23
11.85
10.06
Equity Dividend (%)
35.00
35.00
30.00
25.00
20.00
Book Value (Rs)
137.47
128.69
113.50
102.71
93.82
774.95
514.55
283.00
346.39
256.10
750.01
600.00
100.00
250.00
1,600.00
449.01
399.87
248.93
211.99
167.22
672.65
606.30
470.40
71.20
21.04
Total
2,646.62 2,120.72
1,102.33
879.58
2,044.36
0.00
Appropriations
Key Financial Ratios of IDBI Bank
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08

Face Value
10.00 10.00
10.00
10.00
10.00
Dividend Per Share
3.50
3.00
2.50
2.00
23.65 24.23
28.72
12.88
10.85
197.91203.54
235.40
174.79
126.38
102.2993.88
77.72
70.83
66.69
19.15 24.86
33.77
33.77
33.77
Interest Spread
3.03
2.77
2.14
2.88
1.76
7.92
8.76
6.48
7.02
8.73
Net Profit Margin
7.99
8.12
5.95
6.71
7.84
124.19131.48
174.83
151.49
120.38
11.56 13.02
12.53
11.53
10.72
10.78 13.04
12.55
11.35
10.71
137.47128.69
113.50
102.71
93.82
151.97147.95
140.23
130.02
121.72
9.36
8.30
8.49
8.47
7.95
2.40
2.39
2.02
1.58
1.56
3.50
0.04
0.11
0.13
0.08
0.12
6.97
5.91
6.47
6.89
6.39
1.28
1.40
0.98
0.96
0.88
1.11
1.05
1.12
0.67
0.73
0.70
0.68
0.51
0.57
0.63
Loans Turnover
0.15
0.14
0.14
0.14
0.13
9.40
8.41
8.61
8.55
8.07
6.97
5.91
6.47
6.89
6.39
0.09
0.08
0.08
0.08
0.08
0.10
0.08
0.09
0.09
2.35

80.55 76.73
85.15
88.60
91.82
0.40
1.46
0.89
1.49
13.59 16.66
11.42
11.18
10.85
0.10
0.26
0.38
0.27
1.33
0.23

14.58 13.64
11.31
11.57
11.95
73.04 70.22
74.26
77.06
83.31
86.52 84.82
86.28
100.13
124.35
38.73 40.68
44.06
44.69
50.26
Cash Deposit Ratio
8.86
8.03
8.24
10.40
11.98 14.24
20.38
15.10
10.74
0.17
0.19
1.18
1.10
1.13
1.11
1.12
1.09
1.09
1.11
0.02
0.02
0.03
0.04
0.05
9.61
Leverage Ratios
Current Ratio
Quick Ratio
27.11 26.78
19.49
18.98
9.07
22.10 24.23
24.14
24.69
22.92
20.90 22.49
22.18
23.26
20.56
76.32 75.81
75.90
74.93
77.06
77.69 77.54
77.85
76.40
79.42
104.62101.39
149.23
125.17
89.88
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
Earnings Per Share
14.82 16.76
14.23
11.85
10.06
Book Value
137.47128.69
113.50
102.71
93.82
INDUS IND BANK

Management - IndusInd Bank
Name Designation
R Seshasayee
Chairman
T T Ram Mohan Director

S C Tripathi
Director
Kanchan ChitaleAdditional Director

R S Sharma
Additional Director
Name Designation
Romesh Sobti Managing Director & CEO
Ajay Hinduja
Director
Ashok Kini
Director
Vijay Vaid
Additional Director
Y M Kale
Alternate Director
Balance Sheet of IndusInd Bank
------------------- in Rs. Cr. ------------------Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Total Share Capital
467.70
465.97
410.65
355.19
320.00
467.70
465.97
410.65
355.19
320.00
10.95
7.98
2.20
1.15
0.51
0.00
0.00
0.00
0.00
0.00
Reserves
4,043.72 3,350.92
1,752.75
1,072.42
789.39
219.34
231.63
235.63
239.81
Net Worth
4,741.71 4,050.22
2,397.23
1,664.39
1,349.71
Deposits
42,361.5534,365.37
26,710.17
22,110.25
19,037.42
Borrowings
8,682.01 5,525.42
4,934.29
1,856.46
1,095.43
Total Debt
51,043.5639,890.79
31,644.46
23,966.71
20,132.85
1,810.80 1,694.83
1,327.83
1,983.58
1,779.31
Total Liabilities
57,596.0745,635.84
35,369.52
27,614.68
23,261.87
Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
2,903.58 2,456.04
2,099.18
1,190.79
1,526.26
2,636.05 1,568.56
504.00
732.90
651.77
225.35
Assets
Advances
35,063.9526,165.65
20,550.59
15,770.64
12,795.31
Investments
14,571.9513,550.81
10,401.84
8,083.41
6,629.70
Gross Block
1,082.79 971.26
1,054.02
1,006.65
969.93
468.70
399.20
427.02
397.41
354.41
Net Block
614.09
572.06
627.00
609.24
615.52
42.70
24.41
17.83
13.95
9.63
Other Assets
1,763.75 1,298.32
1,169.08
1,213.75
1,033.70
Total Assets
57,596.0745,635.85
35,369.52
27,614.68
23,261.89
99,523.5479,647.25
45,317.82
42,279.08
28,301.60
9,817.74 7,860.30
5,895.67
2,020.09
4,441.53
Book Value (Rs)
96.50
52.71
40.21
34.69
Profit & Loss account of IndusInd Bank
81.95
------------------- in Rs. Cr. ------------------Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
5,359.193,589.36
2,706.99
2,309.47
1,920.23
Other Income
1,011.78713.66
553.48
456.25
297.58
Total Income
6,370.974,303.02
3,260.47
2,765.72
2,217.81
Interest expended
3,654.952,212.86
1,820.58
1,850.44
1,579.86
Employee Cost
485.47 382.65
290.56
187.14
121.90
434.62 390.46
313.90
279.33
173.18
Depreciation
74.96
45.29
44.17
40.16
918.37 679.17
439.84
256.30
227.66
Income
Expenditure
60.55
0.00
Operating Expenses
0.00
0.00
0.00
0.00
1,485.581,169.72
867.28
672.32
463.10
427.84 343.11
222.31
94.62
99.80
Total Expenses
5,568.373,725.69
2,910.17
2,617.38
2,142.76
Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
802.61 577.33
350.31
148.34
75.05
0.00
0.00
0.00
0.00
714.36 391.51
247.00
242.99
0.00
Total
1,516.97968.84
597.31
391.33
75.05
Preference Dividend
0.00
0.00
0.00
0.00
Equity Dividend
102.89 93.23
73.88
44.71
19.19
16.69
15.12
12.27
7.60
3.26
17.17
12.39
8.53
4.18
2.35
Equity Dividend (%)
22.00
20.00
18.00
12.00
6.00
Book Value (Rs)
96.50
81.95
52.71
40.21
34.69
0.00
0.00
Appropriations
209.80 146.12
119.64
92.02
21.00
0.00
0.00
0.00
0.00
119.58 108.35
86.15
52.31
22.45
1,187.59714.36
391.51
247.00
31.60
Total
1,516.97968.84
597.30
391.33
75.05
0.01
Key Financial Ratios of IndusInd Bank
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08

Face Value
10.00 10.00
10.00
10.00
10.00
Dividend Per Share
2.20
1.80
1.20
0.60
18.76 15.33
11.13
4.77
0.24
127.1186.65
75.51
74.59
62.87
71.53 61.43
34.33
23.90
20.55
--
--
--
--
--
Interest Spread
5.34
6.42
6.07
4.97
4.12
13.76 14.90
13.03
7.97
5.32
Net Profit Margin
12.59 13.43
10.63
5.29
3.45
107.4381.10
110.36
147.69
152.76
17.79 15.12
16.19
10.39
6.76
17.77 15.20
17.76
12.53
6.82
96.50 81.95
52.71
40.21
34.69
101.1986.79
58.35
46.85
42.19
11.56 10.02
9.91
10.51
9.15
4.45
4.09
3.16
1.96
2.00
4.53
0.83
0.65
0.63
0.60
0.75
7.11
5.49
5.82
7.34
7.19
2.74
2.75
2.63
2.49
1.92
2.40
2.27
1.94
1.10
0.60
1.56
1.43
1.12
0.59
0.34
Loans Turnover
0.19
0.17
0.17
0.19
0.17
12.40 10.67
10.54
11.11
9.90
7.11
5.49
5.82
7.34
7.19
0.12
0.10
0.10
0.11
0.09
0.12
4.16
2.94
2.63
2.07

68.20 61.65
67.25
80.12
82.27
6.73
5.93
5.41
7.57
22.14 25.81
24.95
22.44
19.44
0.27
0.20
0.58
0.10
6.10
0.40

13.85 15.89
15.33
12.33
11.91
77.12 73.15
73.91
71.52
66.69
79.80 76.49
74.40
69.42
65.10
36.65 39.22
37.86
35.76
34.13
Cash Deposit Ratio
6.99
7.46
6.74
6.60
6.94
9.39
9.00
12.35
15.49
17.16
0.36
0.44
0.36
1.17
1.11
1.24
1.29
1.22
1.10
1.07
0.04
0.04
0.04
0.05
0.05
Leverage Ratios
Current Ratio
Quick Ratio
21.94 17.65
17.94
9.16
8.63
14.89 18.76
24.59
35.26
29.91
13.62 16.98
21.77
27.17
19.48
85.09 81.33
77.59
70.78
70.36
86.37 83.09
79.95
76.56
80.63
48.30 53.63
62.18
99.09
164.28
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
Earnings Per Share
17.17 12.39
8.53
4.18
2.35
Book Value
96.50 81.95
52.71
40.21
34.69
BANK OF BARODA
Management - Bank of Baroda
Name Designation
Alok Nigam
Director
Surendra Singh Bhandari

Rajib Sekhar Sahoo
Director
Director
Sudarshan Sen Director

P Srinivas
Executive Director
Ranjan Dhawan Executive Director

Name Designation
Vinil Kumar Saxena
Director
Satya Dev Tripathi
Director
Maulin A Vaishnav
Director
V B Chavan
Director
Sudhir Kumar Jain

S S Mundra
Executive Director
Chairman & Managing Director
Balance Sheet of Bank Of Baroda
------------------- in Rs. Cr. ------------------Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital
412.38
392.81
365.53
365.53
365.53
412.38
392.81
365.53
365.53
365.53
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
27,064.47 20,600.30
14,740.86
12,470.01
10,678.40
0.00
0.00
0.00
0.00
Net Worth
27,476.85 20,993.11
15,106.39
12,835.54
11,043.93
Deposits
384,871.11305,439.48
241,044.26
192,396.95
152,034.1
Borrowings
23,573.05 22,307.85
13,350.09
5,636.09
3,927.05
Total Debt
408,444.16327,747.33
254,394.35
198,033.04
155,961.1
11,400.46 9,656.73
8,815.97
16,538.15
12,594.41
Total Liabilities
447,321.47358,397.17
278,316.71
227,406.73
179,599.5
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
Assets
21,651.46 19,868.18
13,539.97
10,596.34
9,369.72
42,517.08 30,065.89
21,927.09
13,490.77
12,929.56
Advances
287,377.29228,676.36
175,035.29
143,985.90
106,701.3
Investments
83,209.40 71,260.63
61,182.38
52,445.88
43,870.07
Gross Block
4,921.59
4,548.16
4,266.60
3,954.13
3,787.14
2,580.09
2,248.44
1,981.84
1,644.41
1,360.14
Net Block
2,341.50
2,299.72
2,284.76
2,309.72
2,427.00
0.00
0.00
0.00
0.00
0.00
Other Assets
10,224.73 6,226.40
4,347.22
4,578.12
4,301.83
Total Assets
447,321.46358,397.18
278,316.71
227,406.73
179,599.5
134,552.25112,272.64
77,997.01
64,745.82
75,364.33
40,717.28 33,735.67
27,949.60
22,584.64
15,105.51
Book Value (Rs)
668.34
414.71
352.37
303.18
Profit & Loss account of Bank Of Baroda
536.16
------------------- in Rs. Cr. ------------------Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
29,673.7221,885.92
16,698.34
15,091.58
11,813.48
Other Income
3,422.33 2,809.19
2,806.36
2,757.66
2,051.04
Total Income
33,096.0524,695.11
19,504.70
17,849.24
13,864.52
Interest expended
19,356.7113,083.66
10,758.86
9,968.17
7,901.67
Employee Cost
2,985.58 2,916.78
2,350.88
2,348.13
1,803.76
2,589.44 1,885.00
1,627.56
885.24
927.20
Depreciation
276.57
230.86
230.50
232.00
2,880.80 2,324.94
1,478.21
2,189.99
1,564.36
Income
Expenditure
243.04
0.00
Operating Expenses
0.00
0.00
0.00
0.00
6,727.59 5,669.88
4,711.23
3,844.66
3,370.27
2,004.80 1,699.88
976.28
1,809.20
1,157.05
Total Expenses
28,089.1020,453.42
16,446.37
15,622.03
12,428.99
Mar '12 Mar '11
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
812.29
753.35
639.26
383.56
340.94
0.00
0.00
0.00
0.00
0.00
121.79
108.33
83.96
61.14
39.41
Equity Dividend (%)
170.00
165.00
150.00
90.00
80.00
Book Value (Rs)
668.34
536.16
414.71
352.37
303.18
Appropriations
1,740.81 1,387.87
1,162.07
1,136.23
444.23
2,453.86 2,100.46
1,257.00
707.41
650.35
812.29
753.35
639.26
383.56
340.94
0.00
0.00
0.00
0.00
0.00
Total
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
Key Financial Ratios of Bank Of Baroda
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08

Face Value
10.00 10.00
10.00
10.00
10.00
Dividend Per Share
17.00 16.50
15.00
9.00
8.00
150.18137.25
106.39
82.98
57.48
777.91610.00
524.75
455.85
360.56
154.03120.23
62.42
62.42
180.73
--
--
--
--
--
Interest Spread
4.73
4.60
4.15
4.02
4.21
16.07 18.16
16.54
14.19
12.06
Net Profit Margin
15.23 17.18
15.37
12.86
10.38
92.37 89.23
99.27
103.70
91.52
18.22 20.20
20.24
17.35
12.99
18.21 20.20
20.24
17.35
12.99
668.34536.16
414.71
352.37
303.18
668.34536.16
414.71
352.37
303.18
7.94
7.50
7.56
8.16
8.14
3.13
3.39
3.30
3.26
3.24
0.22
0.25
0.30
0.35
0.43
4.80
4.11
4.25
4.90
4.90
1.60
1.70
1.77
1.78
1.94
1.68
1.86
1.75
1.72
1.58
1.24
1.33
1.21
1.09
0.89
Loans Turnover
0.12
0.12
0.12
0.13
0.14
8.16
7.75
7.86
8.51
8.57
4.80
4.11
4.25
4.90
4.90
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.09
3.47

65.23 59.78
64.43
66.05
66.89
2.67
3.88
4.09
4.98
19.63 21.98
22.53
20.88
22.70
0.18
0.23
0.24
0.25
3.25
0.24

14.67 14.52
14.36
14.05
12.91
78.07 78.56
77.38
81.35
75.67
74.76 73.87
73.60
72.78
68.72
22.38 24.24
26.22
27.96
28.46
Cash Deposit Ratio
6.01
5.57
5.80
5.70
14.01 14.55
15.96
14.99
13.77
0.36
0.47
1.43
1.37
0.35
1.27
1.34
1.31
1.25
1.21
0.03
0.02
0.02
0.02
0.03
6.11
Leverage Ratios
Current Ratio
Quick Ratio
28.00 26.38
21.88
9.62
9.56
16.22 17.76
20.90
17.22
23.75
15.37 16.79
19.43
15.60
20.44
83.78 82.25
79.10
82.78
76.25
84.63 83.21
80.57
84.40
79.55
72.85 68.10
73.28
78.28
91.19
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
Earnings Per Share
121.79108.33
83.96
61.14
39.41
Book Value
668.34536.16
414.71
352.37
303.18

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Man 23

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NAME:- PRASAD MORE

Non Executive Chairman

Addnl. & Ind.Director

Samir K Barua Director

Addnl. & Ind.Director

Balance Sheet of Axis Bank

------------------- in Rs. Cr. ------------------Mar '12

Total Share Capital

Equity Share Capital

Share Application Money

Preference Share Capital

Other Liabilities & Provisions

Capital and Liabilities:

Balance with Banks, Money at Call

Capital Work In Progress

Bills for collection

Book Value (Rs)

Profit & Loss account of Axis Bank

------------------- in Rs. Cr. ------------------Mar '12 Mar '11

Selling and Admin Expenses

Preoperative Exp Capitalised

Provisions & Contingencies

Mar '12 Mar '11

Net Profit for the Year

Profit brought forward

Corporate Dividend Tax

Earning Per Share (Rs)

Equity Dividend (%)

Book Value (Rs)

Transfer to Statutory Reserves

Transfer to Other Reserves

Proposed Dividend/Transfer to Govt

Balance c/f to Balance Sheet

Per share data (annualised)

Key Financial Ratios of Axis Bank

Investment Valuation Ratios

Dividend Per Share

Operating Profit Per Share (Rs)

Net Operating Profit Per Share (Rs)

Free Reserves Per Share (Rs)

Bonus in Equity Capital

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

Interest Income / Total Funds

Net Interest Income / Total Funds

Management Efficiency Ratios

Non Interest Income / Total Funds

Interest Expended / Total Funds

Operating Expense / Total Funds

Profit Before Provisions / Total Funds

Net Profit / Total Funds

Total Income / Capital Employed(%)

Interest Expended / Capital Employed(%)

Total Assets Turnover Ratios

Asset Turnover Ratio

Profit And Loss Account Ratios

Other Income / Total Income

Operating Expense / Total Income