Table of Contents

IndusInd Bank Ltd

Updated on October 15, 2020

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	₹44,300 Cr.
Current Price	₹628.1 as on 21 Oct 20
52 Week High / Low Price	₹1,596.55 / ₹235.55
Face Value	₹10
Stock P/E	12.86
Book Value	₹384.6
Dividend Yield	1.19 %
ROCE	8.50 %
ROE	16.56 %
Sales Growth (3yrs)	25.95 %
Sector	Banks
Industry	Banks - Private Sector
Listed on	BSE AND NSE
Company Website	Company Website

Pros:

Cons: Company has low interest coverage ratio. Promoter holding is low: 14.65% Contingent liabilities of Rs.985639.95 Cr. Earnings include an other income of Rs.6807.25 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	₹1,246.7	21.54	₹614,066.43 Cr.	0.67	₹6,927.24 Cr.	22.04	10.88	32351.61	7.31
2.	Kotak Mah. Bank	₹1,393.3	30.32	₹277,327.41 Cr.	0.06	₹1,852.59 Cr.	5.11	1.60	8421.69	7.35
3.	ICICI Bank	₹420.3	26.75	₹272,103.11 Cr.	0.25	₹3,117.68 Cr.	24.03	10.10	22422.71	5.90
4.	Axis Bank	₹501.45	89.88	₹152,009.25 Cr.	0.20	₹1,099.52 Cr.	-12.83	8.14	16799.19	5.55
5.	Bandhan Bank	₹316.05	17.78	₹49,244.35 Cr.	0.98	₹549.82 Cr.	-31.58	14.70	3018.09	12.00
6.	IndusInd Bank		12.68	₹43,708.53 Cr.	1.19	₹460.64 Cr.	-67.84	2.88	7161.73	8.50
7.	IDBI Bank	₹37.6		₹40,743.83 Cr.	0.00	₹159.14 Cr.	104.16	-3.80	4903.80	0.33

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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

	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020
Revenue	4,208	4,287	4,650	5,068	5,438	5,763	5,991	6,961	7,150	7,285	7,387	7,162
Interest	2,387	2,392	2,643	2,946	3,235	3,475	3,759	4,117	4,241	4,211	4,155	3,853
Expenses -	1,669	1,653	1,782	1,863	2,118	2,247	3,284	2,347	2,774	3,161	4,607	4,226
Employee Cost %	10.58%	10.73%	9.75%	9.12%	8.43%	7.84%	8.03%	9.30%	7.21%	7.55%	6.71%	7.70%
Financing Profit	152	242	225	260	85	41	-1,052	497	136	-87	-1,376	-917
Financing Margin %	4%	6%	5%	5%	2%	1%	-18%	7%	2%	-1%	-19%	-13%
Other Income	1,188	1,187	1,209	1,302	1,317	1,469	1,559	1,663	1,727	1,789	1,772	1,519
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1,340	1,429	1,434	1,561	1,402	1,510	507	2,160	1,862	1,702	396	602
Tax %	34%	34%	34%	34%	34%	35%	29%	34%	26%	24%	24%	24%
Net Profit	880	936	953	1,036	920	985	360	1,432	1,383	1,300	302	461
EPS in Rs	14.70	15.62	15.88	17.25	15.32	16.37	5.98	20.68	19.97	18.76	4.35	6.64
Gross NPA %	1.08%	1.16%	1.17%	1.15%	1.09%	1.13%	2.10%	2.15%	2.19%	2.18%	2.45%	2.53%
Net NPA %	0.44%	0.46%	0.51%	0.51%	0.48%	0.59%	1.21%	1.23%	1.12%	1.05%	0.91%	0.86%
	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 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	TTM
Revenue	2,309	2,707	3,589	5,359	6,983	8,254	9,692	11,872	14,406	17,281	22,261	28,783	28,983
Interest	1,850	1,821	2,213	3,655	4,750	5,363	6,272	7,355	8,343	9,783	13,415	16,724	16,459
Expenses -	647	828	1,147	1,449	1,947	2,555	3,131	4,188	5,684	6,555	9,282	12,889	14,768
Manufacturing Cost %	1.81%	1.77%	1.46%	1.40%	1.38%	1.52%	1.70%	1.70%	1.77%	1.98%	1.51%	0.00%
Employee Cost %	8.13%	10.76%	10.68%	9.07%	9.48%	9.82%	10.13%	10.42%	10.58%	10.32%	8.34%	7.67%
Other Cost %	18.08%	18.06%	19.83%	16.57%	17.01%	19.62%	20.48%	23.15%	27.11%	25.63%	31.85%	20.95%
Financing Profit	-188	58	229	255	286	335	289	329	379	942	-436	-831	-2,245
Financing Margin %	-8%	2%	6%	5%	4%	4%	3%	3%	3%	5%	-2%	-3%	-8%
Other Income	459	519	711	1,012	1,363	1,891	2,546	3,297	4,171	4,750	5,646	6,951	6,807
Depreciation	44	45	61	75	73	98	127	157	191	212	229	0	0
Profit before tax	227	533	879	1,192	1,576	2,128	2,709	3,469	4,360	5,481	4,981	6,121	4,563
Tax %	35%	34%	34%	33%	33%	34%	34%	34%	34%	34%	34%	28%
Net Profit	148	350	577	803	1,061	1,408	1,794	2,286	2,868	3,606	3,301	4,418	3,446
EPS in Rs	3.96	8.23	12.07	16.80	19.78	26.19	33.06	38.43	47.95	60.08	54.77	63.75	49.72
Dividend Payout %	29%	21%	16%	13%	15%	13%	12%	12%	13%	12%	14%	0%

Compounded Sales Growth

10 Years:: 26.67%
5 Years:: 24.32%
3 Years:: 25.95%
TTM:: 19.99%

Compounded Profit Growth

10 Years:: 28.05%
5 Years:: 19.74%
3 Years:: 15.52%
TTM:: -6.81%

Return on Equity

10 Years:: 10.45%
5 Years:: -5.24%
3 Years:: -28.06%
1 Year:: -54.86%

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 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Share Capital -	355	411	466	468	523	526	529	595	598	600	603
Equity Capital	355	411	466	468	523	526	529	595	598	600	603	694
Reserves	1,309	1,984	3,576	4,263	7,097	8,506	10,101	17,087	20,033	23,227	26,072
Borrowings	24,927	31,644	39,891	51,044	63,576	75,264	94,752	117,996	149,026	189,928	242,189
Other Liabilities -	967	1,330	1,703	1,822	2,111	2,730	6,404	7,219	8,992	7,871	8,956
Other liability items	967	1,330	1,703	1,822	2,111	2,730	6,404	7,219	8,992	7,871	8,956
Total Liabilities	27,559	35,370	45,636	57,596	73,307	87,026	111,787	142,897	178,648	221,626	277,819
Fixed Assets -	609	627	572	614	741	991	1,120	1,218	1,307	1,313	1,688
Gross Block	1,007	1,054	971	1,083	1,275	1,605	1,828	2,056	2,322	2,521	3,096
Accumulated Depreciation	397	427	399	469	534	614	709	838	1,015	1,207	1,408
CWIP	14	18	24	43	16	25	38	37	28	25	22
Investments	8,083	10,402	13,551	14,572	19,654	21,563	22,878	34,054	36,702	50,077	59,266
Other Assets -	18,852	24,323	31,489	42,367	52,896	64,447	87,751	107,587	140,611	170,211	216,843
Cash Equivalents	1,924	2,603	4,025	5,540	6,849	6,769	10,779	10,112	18,628	13,216	14,783
Loans n Advances	1,214	1,230	1,353	1,840	1,845	2,739	8,385	9,227	9,114	12,311	16,028
Other asset items	15,715	20,490	26,111	34,988	44,203	54,938	68,587	88,248	112,869	144,684	186,032
Total Assets	27,559	35,370	45,636	57,596	73,307	87,026	111,787	142,897	178,648	221,626	277,819

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 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
Cash from Operating Activity -	-390	86	609	-840	-486	-4,106	-1,421	-2,927	11,569	-20,700	-6,389	-12,039
Profit from operations	493	837	1,264	2,037	2,645	3,701	3,262	4,330	5,720	7,040	8,613	11,517
Loans Advances	-3,311	-4,931	-5,929	-9,080	-9,518	-11,161	-14,142	-20,274	-25,721	-32,928	-44,374	-20,944
Operating investments	-1,451	-2,318	-3,157	-1,028	-5,098	-2,022	-2,924	-4,541	-2,758	-13,675	-9,657	-1,603
Deposits	3,946	6,656	8,743	7,996	11,755	6,386	13,632	18,866	33,572	25,067	43,229	7,325
Other WC items	0	0	0	-450	293	-229	-127	41	2,641	-4,230	-1,875	-6,274
Working capital changes	-816	-593	-342	-2,561	-2,568	-7,027	-3,561	-5,908	7,734	-25,765	-12,677	-21,495
Direct taxes	-67	-158	-312	-316	-563	-779	-1,122	-1,349	-1,885	-1,975	-2,324	-2,061
Cash from Investing Activity -	-49	-75	-21	-141	-174	-174	-276	-258	-285	-217	-633	-400
Fixed assets purchased	-51	-79	-102	-150	-184	-177	-279	-269	-287	-236	-643	-404
Fixed assets sold	2	4	81	10	10	3	2	12	14	16	6	4
Other investing items	0	0	0	0	0	0	0	0	-11	2	5	0
Cash from Financing Activity -	184	668	834	2,496	1,969	4,200	5,707	2,517	-2,768	15,505	8,590	12,733
Proceeds from shares	222	472	1,185	12	2,018	35	66	5,125	1,597	102	101	61
Proceeds from debentures	0	0	0	0	0	0	500	0	0	0	0	0
Proceeds from borrowings	0	0	0	3,157	828	0	0	0	0	0	0	12,625
Interest paid fin	-77	-83	-113	-579	-724	-980	0	0	0	0	0	0
Dividends paid	-25	-74	-93	-93	-103	-157	-215	-285	-323	-432	-543	-627
Other financing items	64	354	-145	0	-50	5,302	5,356	-2,323	-4,042	15,835	9,032	674
Net Cash Flow	-254	679	1,421	1,515	1,309	-79	4,010	-667	8,516	-5,412	1,568	294

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Ratios

	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020
ROE %	11%	18%	18%	18%	17%	17%	18%	16%	15%	16%	13%

Announcements & News

Recent Announcements

Credit Ratings

Correction: India Ratings Revises IndusInd Bank’s Outlook to Negative; Affirms ‘IND AA+’ Apr 7 from fitch
India Ratings Revises IndusInd Bank’s Outlook to Negative; Affirms ‘IND AA+’ Apr 4 from fitch
IndusInd Bank Limited: Ratings Reaffirmed Mar 27 from crisil
IndusInd Bank Limited: Ratings Reaffirmed Mar 27 from crisil
India Ratings Affirms IndusInd Bank at ‘IND AA+’; Outlook Stable 3 Jun 2019 from fitch
India Ratings Assigns IndusInd Bank’s Additional AT1 Perpetual Debt ‘IND AA’/Stable 22 Mar 2019 from fitch

Annual Reports

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