Kotak Mahindra bank
The financial results of Kotak Mahindra Banbk for Q4 FY 12
and for FY 12 are analysed below :
Consolidated Annual Results
FY 12 vs FY 11 VS FY 10
Interest on
Advances in FY 12
stands at Rs.6551.93 Cr – up by 39% from FY 11 and by 86% from FY 10.
Income on
Investments in FY 12 stands at Rs.1840.54 Cr; up by 36%
from FY 11 and up by 81% from FY 10.
Interest
Earned in FY 12 stands at Rs.8470.42 Cr; up by 38% from FY 11; and up by 84% from FY 10.
Total Income in FY 12 stands at Rs.12937.39 Cr;
up by 18% from FY 11; and up by 30% from FY 10.
Interest
Expended in FY 12
stands at Rs.4541.96 Cr ; up by 72% from FY 11; and Up by 156% from FY 10.
Net Interest
Income in FY 12
stands at Rs.3928.46 Cr; up by 12% from FY 11; and up by 39% from FY 10.
Total
Expdr(Excl.provisions)
in FY 12 stands at Rs.10182.15 Cr ; up by 19% from FY 11; and up by 34% from FY 10.
Operating
Profit in FY 12 stands at Rs.2755.23 Cr; up by 15%
from FY 11; and up by 14% from FY 10.
Provisions stand at Rs.98.70 cr – down by -33%
from FY 11; and down by -81% from FY 10.
Profit
before tax in FY 12
stands at Rs.2656.54 Cr; up by 18% from FY 11; and up by 40% from FY 10.
Tax Expense in FY 12 stands at Rs.806.01 cr; up
by 19% from Fy 11; and up by 40% from Fy 10.
Net Profit in FY 12 stands at Rs.1850.53 Cr;
up by 18% from FY 11; and up by 39% from FY 10.
Minority
Interest in FY 12
stands at Rs.52.84 Cr; up by 101% from FY 11; and up by 194% from FY 10.
Shares of
Associates in FY 12
stands at Rs.(-)34.55 Cr ;
Consolidated
NPT in FY 12 stands
at Rs.1832.24 Cr; up by 17% from FY 11; and up by 40% from FY 10.
Face Value of the share is Rs.5; but the same
was Rs.10 in FY 10.
Paid-up
Equity in FY 12 stands at Rs.370.34 Cr
Reserves in FY 12 stands at Rs.12530.70 Cr;
up by 18% from FY 11; and up by 66% from FY 10.
Gross/Net
NPA in FY 12 stands at Rs.273.43 Cr; up by 13%
from FY 11; and down by -38% from FY 10.
% of
Gross/Net NPA in FY
12 stands at 0.51%; down -14% from FY 11; and down -66% from FY 10.Quality of
assets is therefore good.
Return on
Assets in FY 12
stands at 2.2%; which is impressive.
Basic EPS in FY 12 stands at Rs.24.81 ; up by 14% from
FY 11; up by 32% from FY 10 (On Rs.5)
Current
Market Price of the
share is Rs.547.50; while the 52
week high price is Rs.602.75 and the 52 week low price is Rs.403.90.
On
this basis, the PE
Ratio comes to 22.07.
QUARTERLY RESULTS (Consolidated)
Q4FY12 vs Q3 FY 12Y 11
Interest on Advances
in Q4 FY 12 stands at Rs.1808.03 cr; up 4% from Q3 FY 12; and up 34% from Q4 FY
11.
Income on Investments in Q4 FY 12 stands at Rs.517.07 Cr; up 12%
from Q3 FY 12; and up 45% from Q4 FY 11.
Interest Earned in Q4 FY 12 stands at Rs.2348.66 Cr; up 6%
from Q3 FY 12; and up 36% from Q4 FY 11.
Total Income in Q4 FY 12 stands at Rs.4363.60Cr;up 40%
from Q3 FY 12; and up 44% from Q4 FY 11.
Interest Expended
in Q4 FY 12 stands at Rs.1299.35 Cr;up 6% from Q3 FY 12; and up 68% from Q4 FY
11.
Net Intt Income in Q4 FY 12 stands at Rs.1049.32Cr;up 5%
from Q3 FY 12; and up 11% from Q4 FY 11.
Total Expdr(excl.provisions) in Q4
FY 12 stands at Rs.3610.12Cr; up 50% from Q3 FY 12; and up 55% from Q4 FY 11.
Operating Profit
in Q4 FY 12 stands at Rs.753.47 Cr; up 5% from Q3 FY 12; and up 7% from Q4 FY
11.
Provisions
in Q4 FY 12 stands at Rs.2.26 Cr ; compared to Rs. 45.22 cr in Q3 FY 12; and (-)8.57
cr in Q4 FY 11.
Profit before tax
in Q4 FY 12 stands at Rs.751.22 Cr; up 11% from Q3 FY 12; and up 5% from Q4 FY
11.
Tax Expense
in Q4 FY 12 stands at Rs.222.45 Cr; up 7% from Q3 FY 12; and up 7% from Q4 FY
11.
Consolidated Net Profit
in Q4 FY 12 stands at Rs.520.93 Cr; Up 13% from Q3 FY 12; and up 6% from Q4 FY
11.
Basic EPS
in Q4 FY 12 stands at Rs.7.04; Compared
to Rs. 12 in Q3 FY 12; and Rs.6 in Q4 FY 11.
Gross/Net NPA in Q4 FY 12 stands at Rs.273.43Cr; up 11%
from Q3 FY 12; and up 13% from Q4 FY 11.
% of Gross/Net NPA
in Q4 FY 12 stands at 0.51%; compared to 0.47 % in Q3 FY 12; and 0.59 in Q4 FY
11.
Return on Assets
in Q4 FY 12 stands at 0.58% compared to 0.41% in Q3 FY 12; and 0.68% in Q4 FY 11.
ANNOUNCEMENTS BY BANK TO NSE
08-05-2012 Board
of Directors of the Bank at its meeting held on May 08, 2012 have recommended
dividend of Rs.0.60 paise per share.
08-05-2012 consolidated
Results for the year ended on 31-MAR-2012 as follows: Interest earned of Rs. 847041.98
lacs for the year ending on 31-MAR-2012 against Rs. 614143.52 lacs for the year
ending on 31-MAR-2011. Interest expended of Rs. 454195.68 lacs for the year
ending on 31-MAR-2012 against Rs. 263454.92 lacs for the year ending on
31-MAR-2011. Net Profit / (Loss) of Rs. 183223.53 lacs for the year ending on
31-MAR-2012 against Rs. 156674.47 lacs for the year ending on 31-MAR-2011.
08-05-2012 standalone
Results for the year ended on 31-MAR-2012 as follows: Interest earned of Rs.
618023.62 lacs for the year ending on 31-MAR-2012 against Rs. 430355.82 lacs
for the year ending on 31-MAR-2011. Interest expended of Rs. 366774.6 lacs for
the year ending on 31-MAR-2012 against Rs. 205848.54 lacs for the year ending
on 31-MAR-2011. Net Profit / (Loss) of Rs. 108505.3 lacs for the year ending on
31-MAR-2012 against Rs. 81818
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