Table of Contents

IndusInd Bank Ltd

Updated on December 8, 2019

Stock/Share Code - INDUSINDBK

IndusInd Bank is engaged in Business of Banking Services.(Source : 201903 Annual Report Page No: 120)

Below is the details of INDUSINDBK IndusInd Bank Ltd

Market Cap	₹108,746 Cr.
Current Price	₹1,411.6 as on 10 Dec 19
52 Week High / Low Price	₹1,835 / ₹1,188.05
Face Value	₹10
Stock P/E	26.13
Book Value	₹384.89
Dividend Yield	0.42 %
ROCE	7.62 %
ROE	13.08 %
Sales Growth (3yrs)	23.31 %
Sector	Banks
Industry	Banks - Private Sector
Listed on	BSE AND NSE
Company Website	Company Website

Pros: Company is expected to give good quarter

Cons: Stock is trading at 4.08 times its book value Company has low interest coverage ratio. Promoter's stake has decreased Promoter holding is low: 13.04% Contingent liabilities of Rs.985639.95 Cr. Promoters have pledged 26.33% of their holding Earnings include an other income of Rs.6417.75 Cr. Dividend payout has been low at 12.90% of profits over last 3 years

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	₹1,249.5	28.48	₹698,110.04 Cr.	0.59	₹6,638.03 Cr.	24.72	16.78	30016.88	7.69
2.	ICICI Bank	₹528.7	49.55	₹331,431.82 Cr.	0.19	₹1,131.2 Cr.	-6.09	22.54	21106.28	4.82
3.	Kotak Mah. Bank	₹1,662.4	39.48	₹308,573.58 Cr.	0.05	₹2,407.25 Cr.	30.61	15.56	8418.75	7.92
4.	Axis Bank	₹715.7	44.53	₹208,369.08 Cr.	0.12	-₹21.58 Cr.	-102.46	16.08	15712.66	5.70
5.	IndusInd Bank		26.13	₹108,745.93 Cr.	0.42	₹1,383.37 Cr.	50.33	31.49	7150.36	7.62
6.	Bandhan Bank	₹521.05	33.93	₹93,577.04 Cr.		₹971.8 Cr.	99.28	67.55	2690.27	10.48
7.	IDBI Bank	₹33.55		₹39,186.74 Cr.	0.00	-₹3,448.88 Cr.	3.48	-2.96	5205.59	0.38

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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

	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019
Revenue	3,699	3,830	4,136	4,208	4,287	4,650	5,068	5,438	5,763	5,991	6,961	7,150
Interest	2,121	2,163	2,361	2,387	2,392	2,643	2,946	3,235	3,475	3,759	4,117	4,241
Expenses	1,449	1,737	1,663	1,669	1,653	1,782	1,863	2,118	2,247	3,284	2,347	2,774
Employee Cost %	10.65%	10.3%	10.21%	10.58%	10.73%	9.75%	9.12%	8.43%	7.84%	8.03%	9.3%	7.21%
Financing Profit	130	-69	111	152	242	225	260	85	41	-1,052	497	136
Financing Margin %	4%	-2%	3%	4%	6%	5%	5%	2%	1%	-18%	7%	2%
Other Income	1,017	1,211	1,167	1,188	1,187	1,209	1,302	1,317	1,469	1,559	1,663	1,727
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,146	1,142	1,279	1,340	1,429	1,434	1,561	1,402	1,510	507	2,160	1,862
Tax %	35%	34%	35%	34%	34%	34%	34%	34%	35%	29%	34%	26%
Net Profit	751	752	837	880	936	953	1,036	920	985	360	1,432	1,383
EPS in Rs	12.57	12.57	13.98	14.70	15.62	15.88	17.25	15.32	16.37	5.98	20.68	19.97
Gross NPA %	0.94%	0.93%	1.09%	1.08%	1.16%	1.17%	1.15%	1.09%	1.13%	2.10%	2.15%	2.19%
Net NPA %	0.39%	0.39%	0.44%	0.44%	0.46%	0.51%	0.51%	0.48%	0.59%	1.21%	1.23%	1.12%
	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 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
Revenue	1,881	2,309	2,707	3,589	5,359	6,983	8,254	9,692	11,872	14,406	17,281	22,261	25,867
Interest	1,580	1,850	1,821	2,213	3,655	4,750	5,363	6,272	7,355	8,343	9,783	13,415	15,593
Expenses	444	647	828	1,147	1,449	1,947	2,555	3,131	4,188	5,684	6,555	9,282	10,652
Manufacturing Cost %	1.64%	1.81%	1.77%	1.46%	1.4%	1.38%	1.52%	1.7%	1.7%	1.77%	1.98%	1.51%	%
Employee Cost %	6.48%	8.1%	10.73%	10.66%	9.06%	9.47%	9.81%	10.12%	10.41%	10.56%	10.3%	8.33%	%
Other Cost %	15.5%	18.11%	18.09%	19.85%	16.58%	17.02%	19.63%	20.49%	23.16%	27.13%	25.65%	31.86%	%
Financing Profit	-143	-188	58	229	255	286	335	289	329	379	942	-436	-378
Financing Margin %	-8%	-8%	2%	6%	5%	4%	4%	3%	3%	3%	5%	-2%	-1%
Other Income	298	459	519	711	1,012	1,363	1,891	2,546	3,297	4,171	4,750	5,646	6,418
Depreciation	40	44	45	61	75	73	98	127	157	191	212	229	0
Profit before tax	114	227	533	879	1,192	1,576	2,128	2,709	3,469	4,360	5,481	4,981	6,040
Tax %	34%	35%	34%	34%	33%	33%	34%	34%	34%	34%	34%	34%
Net Profit	75	148	350	577	803	1,061	1,408	1,794	2,286	2,868	3,606	3,301	4,161
EPS in Rs	2.24	3.96	8.23	12.07	16.80	19.78	26.19	33.06	38.43	47.95	60.08	54.77	63.00
Dividend Payout %	26%	29%	21%	16%	13%	15%	13%	12%	12%	13%	12%	14%

Compounded Sales Growth

10 Years:: 25.43%
5 Years:: 21.95%
3 Years:: 23.31%
TTM:: 33.04%

Compounded Profit Growth

10 Years:: 34.64%
5 Years:: 18.59%
3 Years:: 13.10%
TTM:: 8.21%

Return on Equity

10 Years:: 27.25%
5 Years:: 15.53%
3 Years:: 13.24%
1 Year:: -3.84%

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 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Share Capital	320	355	411	466	468	523	526	529	595	598	600	603
Equity Capital	320	355.19	410.65	465.97	467.7	522.87	525.64	529.45	594.99	598.15	600.22	602.69
Reserves	1,030	1,309	1,984	3,576	4,263	7,097	8,506	10,101	17,087	20,033	23,227	26,072
Borrowings	20,133	24,927	31,644	39,891	51,044	63,576	75,264	94,752	117,996	149,026	189,928	242,189
Other Liabilities	1,837	1,023	1,391	1,758	1,898	2,229	2,893	6,606	7,390	9,203	8,140	9,317
Total Liabilities	23,319	27,615	35,430	45,691	57,672	73,424	87,190	111,988	143,068	178,860	221,896	278,181
Fixed Assets	616	609	627	572	614	741	991	1,120	1,218	1,307	1,313	1,688
Gross Block	969.93	1006.65	1054.02	971.25	1082.8	1275	1605.18	1828.34	2055.65	2321.96	2520.74	3096.5
Accumulated Depreciation	354.41	397.41	427.02	399.2	468.7	534.4	613.93	708.78	837.8	1015.16	1207.43	1408.44
CWIP	10	14	18	24	43	16	25	38	37	28	25	22
Investments	6,630	8,083	10,402	13,551	14,572	19,654	21,563	22,878	34,054	36,702	50,077	59,266
Other Assets	16,064	18,908	24,383	31,543	42,444	53,014	64,610	87,953	107,758	140,822	170,480	217,204
Cash Equivalents	2178.03	1923.7	2603.18	4024.6	5539.62	6848.73	6769.44	10779.14	10111.87	18628.25	13215.88	14783.4
Loans n Advances	1091.14	1213.75	1229.61	1353.05	1840.16	1844.86	2738.98	8385.25	9227.1	9113.56	12310.68	16027.58
Other Assets etc	12795.31	15770.63	20550.59	26165.65	35063.95	44320.6	55101.84	68788.19	88419.35	113080.51	144953.66	186393.5
Total Assets	23,319	27,615	35,430	45,691	57,672	73,424	87,190	111,988	143,068	178,860	221,896	278,181

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 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Cash from Operating Activity	-327	-390	86	609	-840	-486	-4,106	-1,421	-2,927	11,569	-20,700	-6,389
Profit from operations	257.75	492.93	836.63	1263.51	2036.81	2645.27	3700.79	3261.59	4329.5	5720.37	7040.28	8612.95
Working Capital Changes	-519.6	-815.56	-593.25	-342.46	-2561.22	-2567.95	-7027.31	-3560.64	-5907.59	7733.71	-25765.27	-12677.45
Taxes paid	-65.26	-67.22	-157.82	-311.95	-315.97	-563.08	-779.24	-1122.01	-1348.84	-1884.78	-1975.45	-2324.45
Cash from Investing Activity	-41	-49	-75	-21	-141	-174	-174	-276	-258	-285	-217	-633
Fixed Assets Purchased	-56.98	-51.05	-78.51	-101.87	-150.31	-184.39	-177.06	-278.63	-269.02	-287.19	-235.79	-643.46
Fixed Assets Sold	15.75	2.06	3.94	80.55	9.59	10.41	3.36	2.47	11.51	13.55	16.24	5.53
Cash from Financing Activity	-49	184	668	834	2,496	1,969	4,200	5,707	2,517	-2,768	15,505	8,590
Proceeds from Shares	0	222.19	471.63	1184.51	11.51	2018.03	35.16	66.25	5125.2	1596.62	101.97	100.54
Proceeds from Borrowings	0	0	0	0	3156.59	827.54	0	0	0	0	0	0
Interest Paid	-76.58	-77.27	-82.75	-112.64	-578.64	-723.58	-980.41	0	0	0	0	0
Dividends Paid	-22.45	-24.92	-73.88	-93.23	-93.34	-103.14	-156.98	-215.43	-284.83	-322.71	-432.24	-542.94
Net Cash Flow	-417	-254	679	1,421	1,515	1,309	-79	4,010	-667	8,516	-5,412	1,568

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Ratios

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
ROE %	6%	11%	18%	18%	18%	17%	17%	18%	16%	15%	16%	13%

Announcements & News

Recent Announcements

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Nov. 29, 2019
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Nov. 29, 2019
Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate | Nov. 28, 2019
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Nov. 28, 2019
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation | Nov. 26, 2019

Credit Ratings

Annual Reports

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