Table of Contents

IndusInd Bank Ltd

Updated on August 12, 2019

Stock/Share Code - INDUSINDBK

IndusInd Bank is engaged in banking and para-banking services. The Bank is involved in accepting deposits, such as savings accounts, current accounts and fixed deposits, and banking solutions. The Bank is engaged in granting loans to various segments, such as industries and businesses, and retail loans; financing a range of vehicles or equipment to individuals, and priority sector lending.

Below is the details of INDUSINDBK IndusInd Bank Ltd

Market Cap	₹96,798 Cr.
Current Price	₹1,439.1 as on 16 Aug 19
52 Week High / Low Price	₹2,038 / ₹1,333.15
Face Value	₹10
Stock P/E	29.32
Book Value	₹395.16
Dividend Yield	0.47 %
ROCE	7.96 %
ROE	16.20 %
Sales Growth (3yrs)	21.26 %
Sector	Banks
Industry	Banks - Private Sector
Listed on	BSE AND NSE
Company Website	Company Website

Pros: Company has good consistent profit growth of 27.81% over 5 years

Cons: Stock is trading at 4.06 times its book value Company has low interest coverage ratio. Promoter holding is low: 15.00% Contingent liabilities of Rs.699514.64 Cr. Earnings include an other income of Rs.5646.72 Cr.

IndusInd Bank Ltd Price Chart

IndusInd Bank Ltd Peer Comparison in Banks

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Qtr Sales Var %	Sales Qtr Rs.Cr.	ROCE %
1.	HDFC Bank	₹2,227.7	31.36	₹660,918.58 Cr.	0.51	₹5,885.12 Cr.	22.63	23.51	26333.25	7.32
2.	Kotak Mah. Bank	₹1,498.95	43.07	₹290,565.87 Cr.	0.05	₹2,038.27 Cr.	20.48	18.47	7975.69	7.93
3.	ICICI Bank	₹418.95	64.23	₹273,239.22 Cr.	0.35	₹1,170.36 Cr.	2.49	20.74	19503.73	5.23
4.	Axis Bank	₹675.65	501.25	₹207,974.15 Cr.	0.00	Cr.				4.48
5.	IndusInd Bank		29.32	₹96,797.52 Cr.	0.47	₹360.1 Cr.	-62.22	28.85	5991.44	7.96
6.	Bandhan Bank	₹502.5	36.17	₹70,595.12 Cr.	0.17	₹650.87 Cr.	67.81	35.70	1832.69	10.59
7.	Yes Bank	₹79.45	19.91	₹34,243.26 Cr.	1.82	-₹1,506.64 Cr.	-227.74	36.80	7856.54	7.42

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IndusInd Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019
Revenue	3,391	3,486	3,699	3,830	4,136	4,208	4,287	4,650	5,068	5,438	5,763	5,991
Interest	2,034	2,025	2,121	2,163	2,361	2,387	2,392	2,643	2,946	3,235	3,475	3,759
Expenses	1,326	1,363	1,449	1,737	1,663	1,669	1,653	1,782	1,863	2,118	2,247	3,284
Employee Cost %	10.53%	10.78%	10.65%	10.3%	10.21%	10.58%	10.73%	9.75%	9.12%	8.43%	7.84%	8.03%
Financing Profit	30	97	130	-69	111	152	242	225	260	85	41	-1,052
Financing Margin %	1%	3%	4%	-2%	3%	4%	6%	5%	5%	2%	1%	-18%
Other Income	973	970	1,017	1,211	1,167	1,188	1,187	1,209	1,302	1,317	1,469	1,559
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,003	1,068	1,146	1,142	1,279	1,340	1,429	1,434	1,561	1,402	1,510	507
Tax %	34%	34%	35%	34%	35%	34%	34%	34%	34%	34%	35%	29%
Net Profit	661	704	751	752	837	880	936	953	1,036	920	985	360
Gross NPA %	0.91%	0.90%	0.94%	0.93%	1.09%	1.08%	1.16%	1.17%	1.15%	1.09%	1.13%	2.10%
Net NPA %	0.38%	0.37%	0.39%	0.39%	0.44%	0.44%	0.46%	0.51%	0.51%	0.48%	0.59%	1.21%
	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes	Notes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	TTM
Revenue	1,500	1,881	2,309	2,707	3,589	5,359	6,983	8,254	9,692	11,872	14,406	17,281	22,261
Interest	1,229	1,580	1,850	1,821	2,213	3,655	4,750	5,363	6,272	7,355	8,343	9,783	13,415
Expenses	418	444	647	828	1,147	1,449	1,947	2,555	3,131	4,188	5,684	6,555	9,512
Manufacturing Cost %	1.6%	1.64%	1.81%	1.77%	1.46%	1.4%	1.38%	1.52%	1.7%	1.7%	1.77%	1.98%	%
Employee Cost %	6.42%	6.48%	8.1%	10.73%	10.66%	9.06%	9.47%	9.81%	10.12%	10.41%	10.56%	10.3%	%
Other Cost %	19.85%	15.5%	18.11%	18.09%	19.85%	16.58%	17.02%	19.63%	20.49%	23.16%	27.13%	25.65%	%
Financing Profit	-147	-143	-188	58	229	255	286	335	289	329	379	942	-666
Financing Margin %	-10%	-8%	-8%	2%	6%	5%	4%	4%	3%	3%	3%	5%	-3%
Other Income	288	298	459	519	711	1,012	1,363	1,891	2,546	3,297	4,171	4,750	5,647
Depreciation	34	40	44	45	61	75	73	98	127	157	191	212	0
Profit before tax	107	114	227	533	879	1,192	1,576	2,128	2,709	3,469	4,360	5,481	4,981
Tax %	36%	34%	35%	34%	34%	33%	33%	34%	34%	34%	34%	34%
Net Profit	68	75	148	350	577	803	1,061	1,408	1,794	2,286	2,868	3,606	3,301
EPS in Rs	2.03	2.24	3.96	8.23	12.07	16.80	19.78	26.19	33.06	38.43	47.95	60.08
Dividend Payout %	28%	26%	29%	21%	16%	13%	15%	13%	12%	12%	13%	12%

Compounded Sales Growth

10 Years:: 24.83%
5 Years:: 19.87%
3 Years:: 21.26%
TTM:: 28.82%

Compounded Profit Growth

10 Years:: 47.18%
5 Years:: 27.81%
3 Years:: 26.12%
TTM:: -8.46%

Return on Equity

10 Years:: 16.40%
5 Years:: 16.22%
3 Years:: 15.75%
Last Year:: 16.20%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018
Share Capital	320	320	355	411	466	468	523	526	529	595	598	600
Equity Capital	320	320	355.19	410.65	465.97	467.7	522.87	525.64	529.45	594.99	598.15	600.22
Reserves	737	1,030	1,309	1,984	3,576	4,263	7,097	8,506	10,101	17,087	20,033	23,227
Borrowings	18,237	20,133	24,927	31,644	39,891	51,044	63,576	75,264	94,752	117,996	149,026	189,928
Other Liabilities	1,678	1,837	1,023	1,391	1,758	1,898	2,229	2,893	6,606	7,390	9,203	8,140
Total Liabilities	20,972	23,319	27,615	35,430	45,691	57,672	73,424	87,190	111,988	143,068	178,860	221,896
Fixed Assets	361	616	609	627	572	614	741	991	1,120	1,218	1,307	1,313
Gross Block	675.08	969.93	1006.65	1054.02	971.25	1082.8	1275	1605.18	1828.34	2055.65	2321.96	2520.74
Accumulated Depreciation	314.29	354.41	397.41	427.02	399.2	468.7	534.4	613.93	708.78	837.8	1015.16	1207.43
CWIP	9	10	14	18	24	43	16	25	38	37	28	25
Investments	5,892	6,630	8,083	10,402	13,551	14,572	19,654	21,563	22,878	34,054	36,702	50,077
Other Assets	14,711	16,064	18,908	24,383	31,543	42,444	53,014	64,610	87,953	107,758	140,822	170,480
Cash Equivalents	2595.4	2178.03	1923.7	2603.18	4024.6	5539.62	6848.73	6769.44	10779.14	10111.87	18628.25	13215.88
Loans n Advances	1030.99	1091.14	1213.75	1229.61	1353.05	1840.16	1844.86	2738.98	8385.25	9227.1	9113.56	12310.68
Total Assets	20,972	23,319	27,615	35,430	45,691	57,672	73,424	87,190	111,988	143,068	178,860	221,896

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018
Cash from Operating Activity	884	-327	-390	86	609	-840	-486	-4,106	-1,421	-2,927	11,569	-20,700
Profit from operations	263.57	257.75	492.93	836.63	1263.51	2036.81	2645.27	3700.79	3261.59	4329.5	5720.37	7040.28
Working Capital Changes	655.38	-519.6	-815.56	-593.25	-342.46	-2561.22	-2567.95	-7027.31	-3560.64	-5907.59	7733.71	-25765.27
Taxes paid	-34.94	-65.26	-67.22	-157.82	-311.95	-315.97	-563.08	-779.24	-1122.01	-1348.84	-1884.78	-1975.45
Cash from Investing Activity	-65	-41	-49	-75	-21	-141	-174	-174	-276	-258	-285	-217
Fixed Assets Purchased	-65.4	-56.98	-51.05	-78.51	-101.87	-150.31	-184.39	-177.06	-278.63	-269.02	-287.19	-235.79
Fixed Assets Sold	0.72	15.75	2.06	3.94	80.55	9.59	10.41	3.36	2.47	11.51	13.55	16.24
Cash from Financing Activity	296	-49	184	668	834	2,496	1,969	4,200	5,707	2,517	-2,768	15,505
Proceeds from Shares	145.96	0	222.19	471.63	1184.51	11.51	2018.03	35.16	66.25	5125.2	1596.62	101.97
Proceeds from Borrowings	0	0	0	0	0	3156.59	827.54	0	0	0	0	0
Interest Paid	-57.29	-76.58	-77.27	-82.75	-112.64	-578.64	-723.58	-980.41	0	0	0	0
Dividends Paid	0	-22.45	-24.92	-73.88	-93.23	-93.34	-103.14	-156.98	-215.43	-284.83	-322.71	-432.24
Net Cash Flow	1,115	-417	-254	679	1,421	1,515	1,309	-79	4,010	-667	8,516	-5,412

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Ratios

	Mar 2007	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018
ROE %	9%	6%	11%	18%	18%	18%	17%	17%	18%	16%	15%	16%

Announcements & News

Recent Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | May 30, 2019
Reg.24(A)-Annual Secretarial Compliance | May 30, 2019
Disclosure as per Regulation 52(4) & 52(5) | May 30, 2019
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS | May 29, 2019
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | May 29, 2019

Credit Ratings

Annual Reports

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