Kotak Mahindra Bank Limited
NSE Symbol KOTAKBANK
Kotak Mahindra Bank has performed
well in Q3 FY 12 on a consolidated Basis.
Interest
on Advances ; stands at Rs.1742.41 Cr in Q3 FY
12; up by 11.01% from Q2 FY 11; up by 21.68%
from Q1 FY 12; and up by 36.38% from Q3
FY 11.
Income
on Investments stands at Rs.462.73 Cr in Q3 FY 12; up by 4.89% from Q2 FY 12; up by 10.28% from Q1 FY 12; and up by 31.93% from Q3 FY 11.
Interest
Earned totally is Rs.2222.79 Cr in Q3 FY 12
–
up by 9.53 % from Q2 FY 12; up by 18.89% from Q1 FY 12; and up by 34.4% from Q3 FY 11.
Other
Income stands at Rs.900.52 Cr in Q3 FY 12 –
up by 26.57% from Q2 FY 12; up by 7.20%
from Q1 FY 12; but down by -11.25% from
Q3 FY 11.
Total
Income stands at Rs.3123.31 Cr in Q3 FY 12 – up by 13.95% from Q2 FY 12; up
by 15.27% from Q1 FY 12 and up by 17.04% from Q3 FY 11.
Interest
Expended stands at Rs.1223.09 Cr in Q3 FY 12 –
up by 14.28% from Q2 FY 12; up by 28.85%
from Q1 FY 12; and up by 67.35% from Q3 FY 11.
Net
Intt Income stands at Rs.999.71 Cr in Q3 FY 12 –
up by 4.24% from Q2 FY 12; up by 8.62%
from Q1 FY 12; and up by 8.32% from Q3
FY 11.
Total
Expdr excluding provisions – stands at Rs.2403.53 Cr in Q3 FY
12 – up by 15.25% from Q2 FY 12; and up
by 15.39% from Q1 FY 12; and up by 15.97% from Q3 FY 11.
Operating
Profit – stands at Rs.719.78 Cr in Q3 FY 12 – up by 9.84% from Q2 FY 12; up by 14.86% from Q1 FY 12; and up by 20.78% from Q3 FY 11.
Provisions stands at Rs. 45.22
Cr in Q3 FY 12 – up by 67.07% from Q2 FY 12; up by 87.14% from Q1 FY 12; and down by -15.38% from Q3 FY 11.
Profit
before tax stands at Rs.674.56 Cr in Q3 FY 12 –
up by 7.37% from Q2 FY 12; up by 11.96% from Q1 FY 12; and up by 24.35% from
Q3 FY 11.
Tax
Expense stands at Rs.208.34 Cr in Q2 FY 12 –
up by 8.46% from Q2 FY 12; up by 13.77% from Q1 FY 12; and up by 29.04% from Q3 FY 11.
Net
Profit – stands at Rs.466.22 Cr in Q3 FY 12
– up by 6.89% from Q2 FY 12; up by 11.17% from Q1 FY 12; and up by
22.36% from Q3 FY 11.
Consolidated
NPT stands at Rs.462.63 Cr in Q3 FY 12 –
compared to Rs.432.58 Cr in Q2 FY 12 (Up by 6.95%); Rs.416.10 Cr in Q1 FY 12
(Up by 11.18%); and Rs.383.57 Cr in
Q3 FY 11 (Up by 20.61%).
% of
Gross/Net NPA is 0.47 in Q3 FY 12 compared to 0.36
in q2 FY 12 and Rs.0.69 in Q3 FY 11.
Return
on Assets is
0.41 in Q3 FY 12 – compared to Rs.0.53 in Q2 FY 12 and 0.6 in Q3 FY 11.
Basic
EPS is Rs.6.26 in Q3 FY 12; Rs.5.86 in
Q2 FY 12; Rs.5.64 in Q1 FY 12; Rs.5.22
in Q3 FY 11. The Performance is very good.
The annual EPS for
FY 12 can be Rs.24.02.
The current Market Price is
Rs.474.65 – while the 52 week high price is Rs.520 and the 52 week low price is Rs.333.
The PE Ratio is
19.76
OTHER DETAILS
DEPOSITS
: stand at 27313 cr
in FY 11; 34,473 cr in Q2 FY 12; 26197 Cr in Q3 FY 11;
and Rs.36,612 cr in Q3 FY 12.
BORROWINGS : stand at Rs.22073 cr in FY 11; 24314 cr in Q2 FY 12; 19980 cr in Q3
FY 11; and Rs. 26939 Cr in Q3 FY 12.
Advances stand at Rs.41,242 cr in FY 11;
50582 cr in Q2 FY 12; Rs.40096 cr in Q3 FY 11; and Rs.52,847 cr in Q3 FY 12.
Total
Assets stand at Rs.73681 cr in FY 11;
Rs.83796 cr in Q2 FY 12; Rs.70020 Cr in Q3 FY 11; Rs.88514 cr in Q3 FY 12.
Net
worth : stands at Rs.10963 cr in FY
11;Rs.11893 cr in Q2 FY 12; Rs.10502 cr in Q3 FY 11; Rs.12416 cr in Q3 FY 12.
Book value per share stands
at Rs.167.9 at Q3 FY 12.
ROAA stands at Rs.2.2 at Q3 FY 12.
NIM% stands at 4.7 in Q3 FY 12 compared
to 4.8 in previous qtr and 5.0 in corresponding qtr.
ROE % stands at 15.1 in Q3 FY 12 (14.8 in
Q3 FY 11)
CONSOLIDATED RESULTS TABLE
|
Q3FY12
|
%DIF1
|
%DIF2
|
%DIF3
|
||||
|
Interest on Advances
|
174241.2
|
156,956.97
|
11.01
|
143,191.55
|
21.68
|
127,760.33
|
36.38
|
|
Income on Investments
|
46273.18
|
44,116.00
|
4.89
|
41,957.91
|
10.28
|
35,074.65
|
31.93
|
|
Intt on Balances With RBI
|
1059.46
|
946.89
|
11.89
|
780.68
|
35.71
|
976.19
|
8.53
|
|
Others
|
705.33
|
915.7
|
-22.97
|
1,030.74
|
-31.57
|
1,569.12
|
-55.05
|
|
Interest Earned
|
222279.2
|
202,935.56
|
9.53
|
186,960.88
|
18.89
|
165,380.29
|
34.4
|
|
Other Income
|
90051.61
|
71,148.12
|
26.57
|
84,003.82
|
7.20
|
101,467.09
|
-11.25
|
|
Total Income
|
312330.8
|
274,083.68
|
13.95
|
270,964.70
|
15.27
|
266,847.38
|
17.04
|
|
Interest Expended
|
122308.6
|
107,028.64
|
14.28
|
94,923.60
|
28.85
|
73,087.20
|
67.35
|
|
Employees cost
|
41163.78
|
39,504.13
|
4.20
|
38,481.48
|
6.97
|
39,671.79
|
3.76
|
|
Other Operating Expenses
|
76880.49
|
62,018.15
|
23.96
|
74,894.13
|
2.65
|
94,495.80
|
-18.64
|
|
Operating Expenses
|
118044.3
|
101,522.28
|
16.27
|
113,375.61
|
4.12
|
134,167.59
|
-12.02
|
|
Total Expdr excl.provisions
|
240352.8
|
208,550.92
|
15.25
|
208,299.21
|
15.39
|
207,254.79
|
15.97
|
|
Operating Profit
|
71977.93
|
65,532.76
|
9.84
|
62,665.49
|
14.86
|
59,592.59
|
20.78
|
|
Provisions
|
4521.66
|
2,706.40
|
67.07
|
2,416.20
|
87.14
|
5,343.49
|
-15.38
|
|
Profit before tax
|
67456.27
|
62,826.36
|
7.37
|
60,249.29
|
11.96
|
54,249.10
|
24.35
|
|
Tax Expense
|
20833.93
|
19,209.25
|
8.46
|
18,312.66
|
13.77
|
16,145.77
|
29.04
|
|
Net Profit
|
46622.34
|
43,617.11
|
6.89
|
41,936.63
|
11.17
|
38,103.33
|
22.36
|
|
Minority Interest
|
1227.54
|
1,364.85
|
-10.06
|
1,203.44
|
2.00
|
613.96
|
99.94
|
|
Shares of Associates
|
-868.12
|
-1,005.71
|
-13.68
|
-876.91
|
-1.00
|
-867.19
|
0.11
|
|
Consolidated NPT
|
46262.92
|
43,257.97
|
6.95
|
41,610.10
|
11.18
|
38,356.56
|
20.61
|
|
Face Value (in Rs.)
|
5
|
5
|
0.00
|
5
|
0.00
|
5
|
0
|
|
Paid-up Equity
|
36978.36
|
36,932.37
|
0.12
|
36,890.52
|
0.24
|
36,815.07
|
0.44
|
|
Basic EPS
|
6.26
|
5.86
|
6.83
|
5.64
|
10.99
|
5.22
|
19.92
|
|
Diluted EPS
|
6.23
|
5.83
|
6.86
|
5.61
|
11.05
|
5.19
|
20.04
|
|
Gross/Net NPA
|
24652.87
|
23,257.06
|
6.00
|
24,066.96
|
2.43
|
27,471.95
|
-10.26
|
|
% of Gross/Net NPA
|
0.47
|
0.36
|
30.56
|
0.54
|
-12.96
|
0.69
|
-31.88
|
|
Return on Assets
|
0.41
|
0.53
|
-22.64
|
0.55
|
-25.45
|
0.6
|
-31.67
|
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