Kotak Mahindra Bank balance sheet and profit & loss data for 5 years

his data can be easily copy pasted into a Microsoft Excel sheet
Kotak Mahindra Bank
Previous Years
Standalone Balance Sheet
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
373.30
373.30
0.00
0.00
9,091.19
0.00
9,464.49
370.34
370.34
0.00
0.00
7,610.41
0.00
7,980.75
368.44
368.44
0.00
0.00
6,464.95
0.00
6,833.39
348.14
348.14
0.00
0.00
4,191.78
0.00
4,539.92
345.67
345.67
0.00
0.00
3,559.86
0.00
3,905.53
Deposits
Borrowings
Total Debt
51,028.77
20,410.62
71,439.39
38,536.52
16,595.52
55,132.04
29,260.97
11,723.95
40,984.92
23,886.47
6,140.51
30,026.98
15,644.93
5,904.07
21,549.00
Other Liabilities & Provisions

Total Liabilities
2,789.81
83,693.69
Mar '13
2,553.67
65,666.46
Mar '12
3,032.36
50,850.67
Mar '11
2,869.42
37,436.32
Mar '10
3,257.34
28,711.87
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
2,207.90
1,481.26
48,468.98
28,873.43
2,016.49
618.06
39,079.23
21,566.81
2,107.72
363.26
29,329.31
17,121.44
2,085.67
214.59
20,775.05
12,512.66
995.35
145.32
16,625.34
9,110.18
464.42
0.00
464.42
955.41
505.45
449.96
831.80
406.20
425.60
745.34
317.69
427.65
460.61
247.25
213.36
Capital Work In Progress

Other Assets
Total Assets
0.00
2,197.69
83,693.68
0.00
1,935.91
65,666.46
0.00
1,503.33
50,850.66
0.00
1,420.69
37,436.31
0.00
1,622.33
28,711.88
Contingent Liabilities
Bills for collection
Book Value (Rs)
22,830.81
6,470.50
126.77
17,319.52
6,166.00
107.75
12,291.30
4,470.06
92.74
4,156.15
3,063.64
130.40
4,486.28
1,188.17
112.98
Capital and Liabilities:

Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
This data can be easily copy pasted into a Microsoft Excel sheet
Kotak Mahindra Bank
Previous Years
Consolidated Balance Sheet
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital

Share Application Money
Preference Share Capital
Init. Contribution Settler
Preference Share Application Money
Employee Stock Opiton
Reserves
Net Worth
373.30
373.30
0.00
0.00
0.00
0.00
0.00
14,894.03
0.00
15,267.33
370.34
370.34
0.00
0.00
0.00
0.00
34.82
12,530.70
0.00
12,935.86
368.44
368.44
0.00
0.00
0.00
0.00
36.92
10,594.51
0.00
10,999.87
348.14
348.14
0.00
0.00
0.00
0.00
0.00
7,617.60
0.00
7,965.74
345.67
345.67
0.00
0.00
0.00
0.00
0.00
6,268.78
0.00
6,614.45
Deposits
Borrowings
Total Debt
49,389.14
36,171.96
85,561.10
36,460.73
29,194.69
65,655.42
27,312.98
22,073.32
49,386.30
21,819.18
13,885.70
35,704.88
13,822.78
11,059.98
24,882.76
208.72
10,077.27
0.00
4,720.24
115,834.66
Mar '13
160.06
9,011.53
0.00
4,586.52
92,349.39
Mar '12
107.21
8,145.20
0.00
5,042.56
73,681.14
Mar '11
80.86
6,371.07
0.00
4,992.25
55,114.80
Mar '10
62.86
3,738.04
0.00
4,935.72
40,233.83
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
2,220.76
2,297.49
66,257.65
40,907.24
2,030.63
1,545.20
53,143.61
31,658.43
2,114.86
879.40
41,241.95
26,048.99
2,094.08
412.73
29,724.29
19,484.78
1,007.03
430.47
22,497.62
13,313.03
619.90
0.00
619.90
1,419.85
807.97
611.88
1,281.77
681.35
600.42
1,166.42
552.59
613.83
794.62
452.86
341.76
0.00
3,531.63
0.00
0.00
115,834.67
3.42
3,356.22
0.00
0.00
92,349.39
0.00
2,795.51
0.00
0.00
73,681.13
0.00
2,785.10
0.00
0.00
55,114.81
0.00
2,643.94
0.00
0.00
40,233.85
37,509.95
6,470.50
204.49
36,055.94
5,812.25
174.18
33,223.43
0.00
148.78
35,690.18
3,063.64
228.81
59,590.51
1,205.41
191.35
Capital and Liabilities:
Minority Interest
Policy Holders Funds
Group Share in Joint Venture
Other Liabilities & Provisions
Total Liabilities
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Capital Work In Progress
Other Assets
Minority Interest
Group Share in Joint Venture
Total Assets
Contingent Liabilities
Bills for collection
Book Value (Rs)
Kotak Mahindra Bank
Previous Years
Standalone Profit & Loss account
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
Interest Earned
Other Income
Total Income
Expenditure
8,042.49
1,160.66
9,203.15
6,180.24
848.42
7,028.66
4,303.56
507.56
4,811.12
3,255.62
420.97
3,676.59
3,065.14
157.56
3,222.70
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
4,836.82
1,075.14
0.00
132.53
1,797.95
0.00
2,209.73
795.89
7,842.44
Mar '13
3,667.75
902.36
542.71
116.76
714.03
0.00
1,754.66
521.20
5,943.61
Mar '12
2,058.49
783.83
487.82
98.27
564.53
0.00
1,528.58
405.87
3,992.94
Mar '11
1,397.48
583.48
648.07
90.00
396.47
0.00
1,447.42
270.60
3,115.50
Mar '10
1,546.60
583.63
552.91
69.56
193.91
0.00
1,333.60
66.41
2,946.61
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
Net Profit for the Year
1,360.72
1,085.05
818.18
561.11
276.10
Extraordionary Items
Profit brought forward
Total
0.00
2,162.79
3,523.51
0.00
1,494.52
2,579.57
0.00
965.91
1,784.09
2.01
648.94
1,212.06
0.00
528.17
804.27
0.00
52.38
7.29
0.00
44.49
7.22
0.00
36.88
4.37
0.00
29.66
0.00
0.00
25.96
1.86
18.23
14.65
11.10
16.12
7.99
14.00
126.77
12.00
107.75
10.00
92.74
8.50
130.40
7.50
112.98
379.20
68.04
59.67
3,016.60
3,523.51
310.81
54.26
51.71
2,162.79
2,579.57
207.41
40.91
41.25
1,494.52
1,784.09
188.43
28.06
29.66
965.91
1,212.06
113.70
13.80
27.82
648.94
804.26
Income
Preference Dividend
Equity Dividend
Corporate Dividend Tax
Per share data (annualised)
Earning Per Share (Rs)
Equity Dividend (%)
Book Value (Rs)
Appropriations
Transfer to Statutory Reserves
Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
Balance c/f to Balance Sheet
Total
Kotak Mahindra Bank

Consolidated Profit & Loss account
Previous Years
------------------- in Rs. Cr. ------------------Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths 12 mths 12 mths
Interest Earned
10,837.8
7
8,470.42
6,141.44
Other Income
5,112.41
4,566.09
4,915.35
Total Income
15,950.2
8
13,036.5
1
11,056.7
9
Interest expended
6,024.49
4,541.96
2,634.55
Employee Cost
1,773.50
1,601.54
1,522.34
0.00
1,170.25
1,235.09
179.03
164.33
152.35
5,769.03
3,707.90
3,943.23
0.00
0.00
0.00
Operating Expenses
6,598.42
5,642.04
6,111.33
Provisions & Contingencies
1,123.14
13,746.0
5
Mar '13
1,001.98
11,185.9
8
Mar '12
741.68
12 mths
12 mths
2,204.21
1,850.53
1,569.24
49.33
-33.58
52.84
-34.55
26.35
-23.86
2,188.46
1,832.24
1,566.74
0.00
0.00
0.00
Profit brought forward
6,296.17
4,962.62
3,720.29
Total
8,500.38
6,813.15
5,289.53
0.00
52.38
9.04
0.00
44.49
9.08
29.52
24.98
Income
4,601.1
6
4,714.0
5
9,315.2
1
4,366.5
6
2,814.4
7
7,181.0
3
1,772.8
6
1,260.9
5
1,369.2
7
142.92
3,441.8
5
0.00
6,194.5
4
20.45
7,987.8
5
Mar '10
1,992.3
9
1,192.5
1
1,380.2
3
125.93
1,837.3
0
0.00
4,141.0
8
394.89
6,528.3
6
Mar '09
Expenditure
Selling and Admin Expenses

Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Total Expenses
Net Profit for the Year

Minority Interest
Share Of P/L Of Associates
Net P/L After Minority Interest & Share Of Associates
Extraordionary Items
Preference Dividend
Equity Dividend
Per share data (annualised)
Earning Per Share (Rs)
9,487.56
Mar '11
12 mths 12 mths 12 mths

1,327.3
6
652.67
18.00
2.36
1,307.0
0
0.00
2,691.3
0
4,018.6
6
3.73
-3.44
0.00
2,108.3
5
2,761.0
2
0.00
36.88
9.30
0.00
29.66
0.01
0.00
25.96
1.86
21.30
38.13
18.88
652.39
Equity Dividend (%)

Book Value (Rs)
Appropriations
0.00
204.49
0.00
174.18
0.00
148.78
0.00
228.81
0.00
191.35
Transfer to Statutory Reserves

Transfer to Other Reserves
Proposed Dividend/Transfer to Govt
472.77
68.38
61.42
390.85
54.26
53.57
235.56
42.68
46.18
Balance c/f to Balance Sheet
7,882.07
6,296.17
4,962.62
Total
8,484.64
6,794.85
5,287.04
213.02
35.32
29.67
3,720.2
9
3,998.3
0
27.82
13.80
27.82
2,691.3
0
2,760.7
4
Kotak Mahindra Bank

Cash Flow
------------------- in Rs. Cr. -------------------
Net Profit Before Tax

Net Cash From Operating Activities
Net Cash (used in)/from
Investing Activities
Net Cash (used in)/from Financing Activities
Net (decrease)/increase In Cash and Cash
Equivalents
Opening Cash & Cash Equivalents
Closing Cash & Cash Equivalents
Mar '13
Mar '12
Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
12 mths
12 mths
1360.72
1599.89
1187.68
811.08
426.03
-1405.46
-1338.69
-1474.47
1572.56
-833.15
-1478.16
-130.81
-78.99
-275.59
-95.40
3938.23
1633.07
1724.19
-137.38
-35.78
1054.61
163.57
170.72
1159.59
-964.33
2634.55
3689.16
2470.98
2634.55
2300.26
2470.98
1140.67
2300.26
2105.00
1140.67
Kotak Mahindra Bank
Capital Structure
Period
From To
Instrument
--- CAPITAL (Rs. cr) --Authorised

Issued
-PAIDUPShares (nos)
Face Value
2012
2013
Equity Share
400
373.3
746609026
373.3
2011
2012
Equity Share
400
370.34
740689510
370.34
2010
2011
Equity Share
400
368.44
736871504
368.44
2009
2010
Equity Share
400
348.14
348141477
10
348.14
2008
2009
Equity Share
400
345.67
345668859
10
345.67
2007
2008
Equity Share
400
344.67
344672842
10
344.67
2006
2007
Equity Share
350
326.16
326155708
10
326.16
2005
2006
Equity Share
350
309.29
309294625
10
309.29
2004
2005
Equity Share
200
123.32
123323500
10
123.32
2003
2004
Equity Share
100
59.53
59532750
10
59.53
Capital
2002
2003
Equity Share
100
59.21
59212750
10
59.21
2001
2002
Equity Share
100
59.21
59212750
10
59.21
2000
2001
Equity Share
100
45.91
45912500
10
45.91
1999
2000
Equity Share
100
45.91
45912500
10
45.91
1998
1999
Equity Share
100
36.73
36730000
10
36.73
1996
1998
Equity Share
100
36.73
36723800
10
36.72
1995
1996
Equity Share
100
36.73
36723200
10
36.72
1994
1995
Equity Share
100
36.73
36718200
10
36.72
1993
1994
Equity Share
100
18.36
18365000
10
18.36
1992
1993
Equity Share
24
6.98
6982500
10
6.98
1991
1992
Equity Share
24
6.98
6982500
10
6.98
1990
1991
Equity Share
2.6
2600000
10
2.6
1989
1990
Equity Share
1.3
1300000
10
1.3
1988
1989
Equity Share
1.5
0.65
650000
10
0.65
Source : Asian CERC
Kotak Mahindra Bank
Finished Products
---------------------- in Rs. Cr. ---------------------
Product Name
Unit
Interest & Discount on Advances &

Bills
Income From Investment
Mar 2012
Installed
Capacity
Production
Quantity
Sales
Quantity
Sales
Value
NA
NA
NA
4,867.44
NA
NA
NA
1,306.35
Commission,Exchange & Brokerage -
NA
NA
NA
578.14
Income From Sale Of Share &

Securities
NA
NA
NA
81.61
Dividend
NA
NA
NA
54.86
Interest On Balances with RBI and

Other Inter-Bank Funds
NA
NA
NA
4.07
Interest
NA
NA
NA
2.37
Total
6894.84
Kotak Mahindra Bank
Previous Years
Key Financial Ratios
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
5.00
0.70
15.11
107.72
-49.55
5.00
0.60
23.31
94.94
87.75
49.94
5.00
0.50
16.97
64.31
76.84
50.20
10.00
0.85
25.88
105.01
102.80
53.13
10.00
0.75
13.08
94.39
89.63
53.51
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-16.22
14.78
65.48
14.37
14.37
126.77
126.77
6.36
17.04
15.39
65.99
13.59
13.58
107.75
107.75
6.83
19.26
17.19
47.50
11.97
11.97
92.74
92.74
8.11
17.76
15.23
48.71
12.35
12.42
130.40
130.40
8.31
10.45
8.35
50.50
7.06
7.06
112.98
112.98
Interest Income / Total Funds

Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
10.77
4.29
1.55
6.48
2.78
2.89
1.82
0.41
12.32
6.48
0.11
0.11
12.07
5.78
0.02
6.30
2.81
2.79
1.86
0.21
12.09
6.30
0.12
0.13
10.74
6.07
0.04
4.66
3.24
2.65
1.85
0.19
10.78
4.66
0.11
0.12
11.05
6.83
0.08
4.23
4.10
2.53
1.70
0.20
11.13
4.23
0.11
0.12
11.44
6.02
0.15
5.42
4.43
1.49
0.97
0.20
11.59
5.42
0.11
0.13
Interest Expended / Interest Earned

Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
60.14
12.61
22.57
--
59.35
0.20
23.25
1.86
47.83
0.40
30.06
2.17
42.93
0.71
36.87
1.47
50.46
1.27
38.25
2.04
Capital Adequacy Ratio

Advances / Loans Funds(%)
Debt Coverage Ratios
16.05
--
17.52
81.32
19.92
82.60
18.35
80.56
20.01
77.16
Credit Deposit Ratio

Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
43.63
56.32
4.72
5.39
0.47
100.90
57.06
6.08
4.83
0.47
94.27
55.76
7.89
4.28
0.62
94.61
54.70
7.79
5.26
1.66
100.34
56.92
8.44
4.01
1.32
Investment Valuation Ratios
Financial Charges Coverage Ratio Post

Tax
Leverage Ratios
1.31
1.33
1.45
1.47
1.22
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
0.94
18.95
0.05
16.85
0.05
10.86
0.05
8.46
0.09
5.91
Dividend Payout Ratio Net Profit

Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
4.38
3.99
95.62
96.01
34.17
4.76
4.30
95.24
95.70
32.08
5.04
4.50
94.96
95.50
31.93
5.28
4.55
94.75
95.47
36.52
10.07
8.04
89.92
91.95
45.30
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
18.23
126.77
14.65
107.75
11.10
92.74
16.12
130.40
7.99
112.98
Earnings Per Share

Book Value
Kotak Mahindra Bank
Previous Years
------------------- in Rs. Cr. -------------------
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
5.00
--21.51
145.16
-49.55
5.00
--0.99
134.29
146.87
49.94
5.00
--9.90
106.72
127.25
50.20
10.00
--23.66
201.09
188.93
53.13
10.00
--31.98
141.82
155.54
53.51
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding Revaluations
Return on Assets Including Revaluations
Management Efficiency Ratios
-14.94
13.72
53.89
14.33
14.43
204.49
204.49
-15.65
14.23
55.33
14.20
14.34
174.18
174.18
-15.67
14.26
44.57
14.29
14.31
148.78
148.78
-14.89
13.20
46.19
16.40
16.71
228.81
228.81
-10.91
9.12
45.50
9.86
9.89
191.35
191.35
11.49
5.10
5.42
6.39
13.39
7.28
3.94
6.12
13.79
9.17
5.47
4.62
16.45
12.29
6.82
4.17
13.24
7.86
6.07
5.38
Investment Valuation Ratios
Interest Income / Total Funds

Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds

Profit Before Provisions / Total Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
6.80
3.53
2.34
0.41
16.91
6.39
0.10
0.11
7.38
3.62
2.49
0.21
17.33
6.12
0.12
0.13
10.45
3.92
2.75
0.22
19.26
4.62
0.12
0.13
14.22
4.54
3.12
0.27
23.27
4.17
0.15
6.02
10.84
2.74
1.76
0.22
19.30
5.38
0.12
6.20
Interest Expended / Interest Earned

Other Income / Total Income
Operating Expense / Total Income
Selling Distribution Cost Composition
Balance Sheet Ratios
55.59
32.05
40.25
--
53.62
22.73
42.56
4.48
42.90
28.40
54.26
5.50
38.53
29.29
61.13
5.98
45.63
31.44
56.16
10.29
---
17.90
92.39
19.90
96.94
18.35
98.12
20.01
87.63
Credit Deposit Ratio

Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
Financial Charges Coverage Ratio Post
Tax
Leverage Ratios
61.90
84.53
4.95
3.23
1.58
148.00
90.49
6.50
2.83
1.63
144.44
92.68
8.57
2.49
1.91
146.52
92.02
8.70
2.74
2.17
161.67
94.07
10.07
2.09
1.57
1.39
1.44
1.65
1.82
1.39
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
1.29
15.26
0.08
12.76
0.09
9.15
0.10
6.93
0.14
5.30
Dividend Payout Ratio Net Profit

Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
2.80
2.59
97.22
97.43
20.72
2.92
2.68
97.11
97.35
18.09
2.94
2.68
97.06
97.32
15.86
2.27
2.04
97.78
97.99
14.80
4.26
3.57
95.75
96.44
17.72
Capital Adequacy Ratio

Advances / Loans Funds(%)
Debt Coverage Ratios
Kotak Mahindra Bank

Standalone Quarterly Results
Previous Years
------------------- in Rs. Cr. -------------------
Mar '13
Dec '12
Sep '12
Jun '12
Mar
'12
1,670.41
1,597.49
1,484.34
1,393.85
1,359
.71
530.99
491.64
428.38
418.83
381.2
8
Interest Earned
(a) Int.
/Disc. on
Adv/Bills
(b)
Income
on
Investme
nt
(c) Int. on
balances
With RBI
(d)
Others
Other
Income
EXPENDITURE
Interest
Expende
d
Employe
es Cost
Other
Expense
s
Depreciat
ion
Operatin
g Profit
before
Provision
s and
continge
ncies
Provision
s And
Continge
ncies
Exceptio
nal Items
P/L
Before
Tax
Tax
P/L After
Tax from
Ordinary
Activities
Prior
Year
Adjustme
nts
Extra
Ordinary
Items
Net
Profit/(Lo
ss) For
the
Period
Equity
Share
6.66
5.22
10.24
2.20
2.04
0.32
0.23
0.74
0.95
1.81
363.85
304.86
250.80
241.15
254.2
3
1,304.98
1,271.73
1,165.57
1,094.53
1,057
.10
288.26
263.59
242.77
256.55
224.8
3
325.59
291.50
283.95
257.53
271.8
2
--
--
--
--
--
653.40
572.62
482.21
448.38
445.3
2
37.43
42.36
70.62
34.14
4.63
--
--
--
--
--
615.97
530.26
411.59
414.24
440.6
9
179.76
168.58
131.21
131.79
143.7
7
436.21
361.68
280.38
282.45
296.9
3
--
--
--
--
--
--
--
--
--
--
436.21
361.68
280.38
282.45
296.9
3
373.31
372.10
371.65
371.24
370.3
5
Capital
Reserves
Excludin
g
Revaluati
on
Reserves
Equity
Dividend
Rate (%)
ANALYTICAL RATIOS
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
15.63
15.40
5.85
4.86
3.77
3.81
4.01
5.83
4.84
3.75
3.79
3.99
5.85
4.86
3.77
3.81
4.01
5.83
4.84
3.75
3.79
3.99
758.11
740.02
739.87
684.68
311.41
322.71
341.07
1.55
1.46
1.61
1.60
1.56
0.64
0.64
0.75
0.80
0.61
0.53
0.46
0.39
0.42
0.46
40.85
40.76
40.68 40.50
54.89
54.84
54.79 54.68
a) % of
Share by
-Govt.
b) Capital
Adequac
-y Ratio Basel -I
c) Capital
Adequac
16.05
y Ratio Basel -II
EPS Before Extra Ordinary
Basic
EPS
Diluted
EPS
EPS After Extra Ordinary
Basic
EPS
Diluted
EPS
NPA Ratios :
i) Gross
NPA
ii) Net
NPA
i) % of
Gross
NPA
ii) % of
Net NPA
Return
on
Assets %
Public Share Holding
No Of
Shares
41.09
(Crores)
Share
Holding
55.04
(%)
Promoters and Promoter Group
Shareholding
a) Pledged/Encumbered
-- 17.52
614.1
9
237.3
340.25
8
- Number
of shares
(Crores)
- Per. of
shares
(as a %
of the
total sh.
of prom.
and
promoter
group)
- Per. of
shares
(as a %
of the
total
Share
Cap. of
the
company
)
b) Non-encumbered
- Number
of shares
(Crores)
- Per. of
shares
(as a %
of the
total sh.
of prom.
and
promoter
group)
- Per. of
shares
(as a %
of the
total
Share
Cap. of
the
company
)
Notes
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
33.57
33.57
33.57
100.00
100.00
100.00
44.96
45.11
45.16
33.57 33.57
100.00
100.0
0
45.21 45.32
14060005_002013034 14060005_002012123 14060005_002012092 14060005_002012061 |2012

.txt|201303
.txt|201212
.txt|201209
.txt|201206
03
Source : Dion Global Solutions Limited
Kotak Mahindra Bank
Previous Years
Consolidated Quarterly Results
Mar '13
------------------- in Rs. Cr. -------------------
Dec '12
Sep '12
Jun '12
Mar '12
Interest Earned
(a) Int. /Disc. on
Adv/Bills
(b) Income on
Investment
(c) Int. on balances
With RBI
(d) Others
Other Income
EXPENDITURE
Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit
before Provisions
and contingencies
Provisions And
Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from
Ordinary Activities
Prior Year
Adjustments
Extra Ordinary
Items
Net Profit/(Loss)
For the Period
Minority Interest
Share Of P/L Of
Associates
Net P/L After M.I &
Associates
Equity Share
Capital
Reserves Excluding
Revaluation
Reserves
Equity Dividend
Rate (%)
ANALYTICAL RATIOS
a) % of Share by
Govt.
b) Capital
Adequacy Ratio Basel -I
c) Capital Adequacy
Ratio - Basel -II
Basic EPS
2,226.26
2,139.32
1,989.97
1,864.15
1,808.03
684.95
636.56
581.54
575.68
517.07
24.89
25.63
29.37
20.37
13.23
10.69
1,441.80
9.96
1,345.65
8.90
1,425.97
9.63
861.81
10.33
2,014.93
1,626.26
480.39
1,292.95
--
1,579.93
439.43
1,244.16
--
1,449.09
420.36
1,379.61
--
1,369.21
433.32
871.04
--
1,299.35
410.05
1,900.73
--
988.99
893.60
786.69
658.06
753.47
43.61
58.90
61.37
19.30
2.26
-945.38
271.37
-834.70
248.92
-725.32
219.19
-638.76
200.47
-751.22
222.45
674.01
585.78
506.13
438.29
528.77
--
--
--
--
--
--
--
--
--
--
674.01
585.78
506.13
438.29
528.77
-14.96
-13.81
-12.19
-8.37
-14.89
6.55
5.24
8.23
13.56
7.04
665.60
577.21
502.17
443.48
520.93
373.31
372.10
371.65
371.24
370.34
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
8.93
7.76
6.76
5.98
7.04
Diluted EPS
8.93
7.72
6.72
5.95
7.00
Basic EPS
Diluted EPS
NPA Ratios :
8.93
8.93
7.76
7.72
6.76
6.72
5.98
5.95
7.04
7.00
i) Gross NPA
8,483,600,000.00 8,241,000,000.00 8,299,500,000.00 7,703,819,000.00 6,997,355,000.00
ii) Net NPA
3,612,200,000.00 3,648,000,000.00 3,832,500,000.00 3,750,912,000.00 2,734,290,000.00
i) % of Gross NPA
1.27
1.22
1.35
1.34
1.31
ii) % of Net NPA
0.55
0.54
0.63
0.66
0.51
Return on Assets %
0.58
0.53
0.50
0.47
0.58
No Of Shares
41.09
(Lakhs)
Share Holding (%)
55.04
Shareholding
- Number of shares
(Lakhs)
- Per. of shares (as
a % of the total sh.
of prom. and
promoter group)
a % of the total
Share Cap. of the
company)
b) Non-encumbered
- Number of shares
(Lakhs)
a % of the total sh.
of prom. and
promoter group)
a % of the total
Share Cap. of the
company)
Notes
40.85
40.76
40.68
4.50
54.89
54.84
54.79
54.68
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
33.57
33.57
33.57
33.57
33.57
100.00
100.00
100.00
100.00
100.00
44.96
45.11
45.16
45.21
45.32
|201303
|201212
|201209
|201206
|201203
Kotak Mahindra Bank
Previous Years
Consolidated Yearly Results
------------------- in Rs. Cr. -------------------
Mar '13
Mar '12
8,219.70
2,478.73
100.26
6,551.93
1,840.54
41.11
Mar '11
Mar '10
Mar '09
Interest Earned
(a) Int. /Disc. on Adv/Bills
(b) Income on Investment
(c) Int. on balances With RBI
4,710.85 3,526.37 3,505.46

1,355.19 1,018.55
759.58
23.09
6.91
56.22
(d) Others
Other Income
EXPENDITURE
39.18
5,075.23
36.85
4,466.97
52.31
49.33
45.31
4,822.30 5,384.74 2,882.61
Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit before Provisions
and contingencies
Provisions And Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from Ordinary
Activities
Prior Year Adjustments
Extra Ordinary Items
Net Profit/(Loss) For the Period
Minority Interest
Share Of P/L Of Associates
Net P/L After M.I & Associates
Reserves Excluding Revaluation
Reserves
Equity Dividend Rate (%)
ANALYTICAL RATIOS
6,024.49
1,773.51
4,787.76
--
4,541.96
1,601.54
4,038.65
--
2,634.55 1,772.87 1,992.40

1,522.35 1,260.95 1,192.51
4,411.85 4,538.48 2,718.28
----
3,327.34
2,755.24
2,395.00 2,413.59 1,346.00
183.18
-3,144.16
939.95
98.70
-2,656.54
806.01
147.60 510.73 329.80

---2,247.40 1,902.86 1,016.20
678.16 575.50 363.53
2,204.21
1,850.53
1,569.24 1,327.36
652.67
--2,204.21
-49.33
33.58
2,188.46
373.31
--1,850.53
-52.84
34.55
1,832.24
370.34
----1,569.24 1,327.36
-26.35
-18.00
23.86
-2.36
1,566.75 1,307.00
368.44 348.14
--652.67
-3.73
3.44
652.39
345.67
14,876.49
12,530.70
105,945.05 7,562.80
--
--
--
--
--
--
----
----
----
----
----
Basic EPS
Diluted EPS
29.44
29.33
24.81
24.67
21.73
21.60
37.68
37.28
18.90
18.87
Basic EPS
Diluted EPS
NPA Ratios :
29.44
29.33
24.81
24.67
21.73
21.60
37.68
37.28
18.90
18.87
8,483,600,000.00 6,997,355,000.00 71,198,460,000.00

3,612,200,000.00 2,734,290,000.00 24,267,100,000.00
1.27
1.31
1.71
0.55
0.51
0.59
2.10
2.20
--
------
------
a) % of Share by Govt.
b) Capital Adequacy Ratio - Basel -I
c) Capital Adequacy Ratio - Basel -II
i) Gross NPA
ii) Net NPA
i) % of Gross NPA
ii) % of Net NPA
Return on Assets %
No Of Shares (Lakhs)
41.09
Share Holding (%)
55.04
Promoters and Promoter Group Shareholding
- Number of shares (Lakhs)
- Per. of shares (as a % of the total
sh. of prom. and promoter group)
40.50
54.68
40.11
54.43
---
---
--
--
100,000.00
--
--
--
--
0.03
--
--

Share Cap. of the company)
b) Non-encumbered
- Number of shares (Lakhs)
sh. of prom. and promoter group)
Share Cap. of the company)
Notes
--
--
0.01
--
--
33.57
33.57
33.57
--
--
100.00
100.00
99.97
--
--
44.96
45.32
45.56
--
--
|201303
|201203
|201103 |201003 |200903
Kotak Mahindra Bank
Previous Years
Consolidated Half Yearly Results
------------------- in Rs. Cr. -------------------
Mar '13
Sep '12
Mar '12
Sep '11
Mar '11
(a) Int. /Disc. on Adv/Bills

(b) Income on Investment
(c) Int. on balances With
RBI
(d) Others
Other Income
EXPENDITURE
4,365.58
1,321.51
3,854.12
1,157.22
3,550.44
979.80
3,001.49
860.74
2,623.19
708.10
50.52
49.74
23.83
17.28
17.10
20.65
2,787.45
18.53
2,287.78
17.38
2,915.45
19.46
1,551.52
28.12
2,319.75
Interest Expended
Employees Cost
Other Expenses
Depreciation
Operating Profit before
Provisions and
contingencies
Provisions And
Contingencies
Exceptional Items
P/L Before Tax
Tax
P/L After Tax from
Ordinary Activities
Prior Year Adjustments
Extra Ordinary Items
Net Profit/(Loss) For the
Period
Minority Interest
Share Of P/L Of
Associates
Net P/L After M.I &
Associates
3,206.19
919.82
2,537.11
--
2,818.30
853.69
2,250.65
--
2,522.43
821.69
2,669.53
--
2,019.52
779.86
1,369.12
--
1,505.23
797.24
2,093.30
--
1,882.59
1,444.75
1,473.25
1,281.98
1,300.49
102.51
80.67
47.47
51.23
44.86
-1,780.08
520.29
-1,364.08
419.66
-1,425.78
430.79
-1,230.76
375.22
-1,255.62
369.13
1,259.79
944.42
994.99
855.54
886.50
---
---
---
---
---
1,259.79
944.42
994.99
855.54
886.50
-28.77
-20.56
-27.16
-25.68
-24.66
11.79
21.79
15.72
18.83
13.10
1,242.81
945.65
983.55
848.68
874.94
Interest Earned

Reserves Excluding
Equity Dividend Rate (%)
ANALYTICAL RATIOS
373.31
371.65
370.34
--
--
12,530.70
--
--
--
--
--
a) % of Share by Govt.
b) Capital Adequacy Ratio
- Basel -I
c) Capital Adequacy Ratio
- Basel -II
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
Basic EPS
Diluted EPS
---
12.74
12.67
---
11.50
11.44
11.94
11.88
Basic EPS
Diluted EPS
NPA Ratios :
---
12.74
12.67
---
11.50
11.44
11.94
11.88
8,483,600,000.00 8,299,500,000.00 6,997,355,000.00 7,052,433,000.00

3,612,200,000.00 3,832,500,000.00 2,734,290,000.00 2,325,706,000.00
1.27
1.35
0.51
1.38
0.55
0.63
0.51
0.46
0.58
0.97
2.20
1.08
------
i) Gross NPA
ii) Net NPA
i) % of Gross NPA
ii) % of Net NPA
Return on Assets %
No Of Shares (Lakhs)
Share Holding (%)
Shareholding
- Number of shares
(Lakhs)
- Per. of shares (as a % of
the total sh. of prom. and
promoter group)
the total Share Cap. of the
company)
b) Non-encumbered
- Number of shares
(Lakhs)
the total sh. of prom. and
promoter group)
the total Share Cap. of the
company)
Notes
Directors Report
369.32
368.44
-- 105,945.05
41.09
55.04
40.76
54.84
40.50
54.68
40.29
54.54
---
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
33.57
33.57
33.57
33.58
--
100.00
100.00
100.00
100.00
--
44.96
45.16
45.32
45.46
--
|201303
|201209
|201203
|201109
|201103
Year End : Mar '13
Mar
To the Members of KOTAK MAHINDRA BANK LIMITED

The Directors present their Twenty Eighth Annual Report together with
the audited accounts of your Bank for the year ended 31st March 2013.
FINANCIAL HIGHLIGHTS
(A) Kotak Mahindra Bank Limited - Consolidated financial highlights:
31st March 2013
Rs. crore
31st March 2012

Rs. crore
Total income
15,950.27
13,013.82
Total expenditure, excluding

provisions and contingencies
12,622.93
10,258.58
3,327.34
2,755.24
183.18
98.70
3,144.16
2,656.54
939.95
806.01
2,204.21
1,850.53
Less: Share of minority interest
49.33
52.84
Add: Share in profit of Associates
33.58
34.55
2,188.46
1,832.24
Basic (Rs.)
29.44
24.81
Diluted (Rs.)
29.33
24.67
Operating Profit
Provisions and contingencies,
excluding provision for tax
Profit before tax
Provision for taxes
Profit after tax
Consolidated profit for the Group

Earnings per Equity Share:
(B) Kotak Mahindra Bank Limited - Standalone financial highlights:

31st March 2013
Rs. crore
31st March 2012

Rs. crore
Total Income
9,203.16
7,157.58
Total expenditure, excluding

provisions and contingencies
7,046.55
5,502.57
Operating Profit
2,156.61
1,655.01
184.55
55.08
1,972.06
1,599.93
Provisions and contingencies,

excluding tax provisions
Profit before tax
Provision for taxes
611.34
514.88
Profit after tax
1,360.72
1,085.05
Add: Surplus brought forward

from the previous year
2,162.79
1,494.52
Amount available for appropriation
3,523.51
2,579.57
340.18
271.27
General Reserve
68.04
54.26
Transfer to / (from) Investment

Reserve Account
10.52
14.52
Transfer to Capital Reserve
0.02
Transfer to Special Reserve
28.50
25.00
Proposed Dividend
52.38
44.49
7.29
7.22
3,016.60
2,162.79
Appropriations:
Statutory Reserve under Section 17
of the Banking Regulation Act, 1949

Surplus carried to Balance Sheet
DIVIDEND
Your Directors are pleased to recommend a dividend of Rs. 0.70 per
equity share (previous year Rs. 0.60 per equity share), entailing a
payout of Rs. 59.67 crore including dividend distribution tax (previous
year Rs. 51.71 crore). The dividend would be paid to all the
shareholders, whose names appear on the Register of Members/Beneficial
Holders list on the Book Closure date.
CAPITAL
During the year, your Bank has allotted 59,19,516 equity shares arising
out of the exercise of Employees Stock Options granted to the employees
and whole-time directors of your Bank and its subsidiaries.
Post allotment of equity shares as aforesaid, the issued, subscribed
and paid-up share capital of your Bank stands at Rs. 373,30,45,130
comprising of 74,66,09,026 equity shares of Rs. 5 each as on 31st March
2013.
Your Bank is well capitalised and has a Capital Adequacy Ratio (''CAR'')
under Basel II as at 31st March 2013 of 16.05% with Tier I being
14.71%. At a consolidated level the CAR was 17% under Basel II.
During the year, your Bank has not issued any capital under Tier II. As
on 31st March 2013, outstanding Unsecured, Redeemable, Non-Convertible,
Subordinated Debt Bonds were Rs. 560.70 crore and outstanding
Unsecured, Non-Convertible, Redeemable Debt Capital Instruments. Upper
Tier II stood at Rs. 136 crore.
The Board of Directors at its meeting held on 11th April 2013 had
approved subject to necessary approvals, issue of 2,00,00,000 equity
shares of Rs. 5 each for an issue price of Rs. 648, to Heliconia Pte
Ltd., an affiliate of Government of Singapore Investment Corporation
Pte Ltd. (GIC) on preferential basis. Members'' approval is sought by
way of Special Resolution at the Extraordinary General Meeting
scheduled to be held on 9th May 2013.
Accounting Policy
A.
Year : Mar '
BACKGROUND
In February 2003, Kotak Mahindra Finance Limited was given license for
banking business by the Reserve Bank of India (RBI). It was the first
NBFC Company in India to be converted into a Bank. Kotak Mahindra Bank
provides the full suite of banking services to its customers
encompassing Retail Banking, Treasury and Corporate Banking.
B.
ACCOUNTING METHODOLOGY
The financial statements have been prepared in accordance with

statutory requirements prescribed under the Banking Regulation Act,
1949. The accounting and reporting policies of Kotak Mahindra Bank
Limited (the Bank) used in the preparation of these financial
statements is the accrual method of accounting and historical cost
convention and it conforms with Generally Accepted Accounting
Principles in India (Indian GAAP), the guidelines issued by Reserve
Bank of India (RBI) from time to time, the Accounting Standards
(''AS'') issued by the Institute of Chartered Accountants of India
(''ICAI'') and notified by the Companies (Accounting Standards) Rules,
2006 as amended to the extent applicable and practices generally
prevalent in the banking industry in India.
The preparation of financial statements requires the Management to make
estimates and assumptions considered in the reported amounts of assets
and liabilities (including contingent liabilities) as of the date of
the financial statements and the reported income and expenses during
the reporting period. The Bank''s Management believes that the estimates
used in preparation of the financial statements are prudent and
reasonable. Actual results could differ from these estimates. Any
revision to the accounting estimates is recognised prospectively
CATEGORY OF
SHAREHOLDER
NO. OF
SHARE-HOLDERS
TOTA
L NO.
OF
SHAR
ES
TOTAL NO. OF
SHARES HELD IN
DEMATERIALIZED
FORM
TOTAL
SHAREHOLDING
AS A % OF
TOTAL NO. OF
SHARES
AS A % OF
(A+B)
AS A % OF
SHARES
PLEDGED
OR
OTHERWI
SE
ENCUMB
ERED
NUMBER
OF
(A+B+C)
SHARES
AS A %
OF
TOTAL
NO. OF
SHARES
(A) Shareholding of Promoter and Promoter Group

(1) Indian
Individuals /
Hindu
Undivided
Family
10
308,784,564
308,784,564
40.34
40.28
Bodies
Corporate
26,897,060
26,897,060
3.51
3.51
Sub Total
12
335,681,624
335,681,624
43.86
43.79
12
335,681,624
335,681,624
43.86
43.79
(2) Foreign
Total
shareholdin
g of
Promoter
and
Promoter
Group (A)
(B) Public Shareholding

(1)
Institutions
Mutual
Funds / UTI
110
9,273,386
9,254,386
1.21
1.21
Financial
Institutions /
Banks
39
7,081,518
7,067,918
0.93
0.92
Foreign
Institutional
Investors
454
241,307,775
241,264,075
31.53
31.48
Sub Total
603
257,662,679
257,586,379
33.66
33.61
1,159
22,980,706
22,912,266
3.00
3.00
(2) NonInstitutions
Bodies
Corporate
Individuals
Individual
shareholders
holding
nominal
share capital
up to Rs. 1
lakh
Individual
shareholders
holding
nominal
share capital
in excess of
Rs. 1 lakh
Any Others
(Specify)
Non
Resident
Indians
Overseas
Corporate
Bodies
Trusts
31,242,441
25,795,745
4.08
4.08
55,364,628
55,090,338
7.23
7.22
62,444,341
61,323,825
8.16
8.15
3,957,129
2,836,813
0.52
0.52
4,358,680
4,358,480
0.57
0.57
85,255
85,255
0.01
0.01
1,041,694
1,041,694
0.14
0.14
194,783
194,783
0.03
0.03
32,800,000
32,800,000
4.29
4.28
6,800
6,800
20,000,000
20,000,000
2.61
2.61
62,09
7
273
3,374
2,116
13
Hindu
Undivided
Families
1,107
Clearing
Members
133
Foreign
Banks
Foreign
Bodies - D R
Foreign
Corporate
Bodies
Sub Total
66,90
3
172,032,116
165,122,174
22.48
22.44
67,50
6
429,694,795
422,708,553
56.14
56.05
Total Public
shareholdin
g (B)
Total (A)+(B)
67,51
8
(C) Shares
held by
Custodians
and against
which
Depository
Receipts
have been
issued-m
765,376,419
758,390,17
7
100.00
99.84
(1) Promoter
and
Promoter
Group
(2) Public
1,232,607
1,232,607
0.16
Sub Total
1,232,607
1,232,607
0.16
Total
(A)+(B)+(C)
67,52
0
766,609,026
759,622,78
4
Company Facts - Kotak Mahindra Bank

Registered Address
36-38A, Nariman Bhavan,
227, Nariman Point,
Mumbai
Maharashtra
400021
Tel: 022-66581100
Fax: 022-22855577
Email: investor.grievances@kotak.com
Website: http://www.kotak.com
Group: Kotak Mahindra Group
Registrars
Karvy Computershare Private Ltd. 7, Andheri Industrial Estate,
Off: Veera Desai Road,
Andheri (W) Mumbai - 400058
Maharashtra
Tel: 022-26730799, 26730843
Fax: 022-26730152
100.0
0
Email: mumbaiandheri@karvy.com
Website: http://www.karvy.com
Management - Kotak Mahindra Bank

Name
Designation
Shankar Acharya
Chairman
C Jayaram
Joint Managing Director
S Mahendra Dev
Director
Amit Desai
Director
Asim Ghosh
Director
Name
Designation
Uday Kotak
Exec. Vice Chairman & Mang Dir
Dipak Gupta
Joint Managing Director
Prakash Apte
Director
N P Sarda
Director
Source : Dion Global Solutions Limited

Kotak Mahindra Bank balance sheet and profit & loss data for 5 years

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Kotak Mahindra Bank balance sheet and profit & loss data for 5 years

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Kotak Mahindra Bank

Standalone Balance Sheet

------------------- in Rs. Cr. ------------------Mar '13

Other Liabilities & Provisions

Capital Work In Progress

Capital and Liabilities:

Kotak Mahindra Bank

Consolidated Balance Sheet

------------------- in Rs. Cr. ------------------Mar '13

Total Share Capital

Capital and Liabilities:

Kotak Mahindra Bank

Standalone Profit & Loss account

------------------- in Rs. Cr. ------------------Mar '13

Net Profit for the Year

Kotak Mahindra Bank

------------------- in Rs. Cr. ------------------Mar '13

12 mths 12 mths 12 mths

Provisions & Contingencies

Profit brought forward

Selling and Admin Expenses

Net Profit for the Year

12 mths 12 mths 12 mths

Equity Dividend (%)

Transfer to Statutory Reserves

Balance c/f to Balance Sheet

Kotak Mahindra Bank

------------------- in Rs. Cr. -------------------

Net Profit Before Tax

--- CAPITAL (Rs. cr) --Authorised

Source : Asian CERC

---------------------- in Rs. Cr. ---------------------

Interest & Discount on Advances &

Commission,Exchange & Brokerage -

Income From Sale Of Share &

Interest On Balances with RBI and

Kotak Mahindra Bank

Key Financial Ratios

Interest Income / Total Funds

Interest Expended / Interest Earned

Capital Adequacy Ratio

Credit Deposit Ratio

Investment Valuation Ratios

Financial Charges Coverage Ratio Post

Dividend Payout Ratio Net Profit

Earnings Per Share

Kotak Mahindra Bank

------------------- in Rs. Cr. -------------------

Investment Valuation Ratios

Interest Income / Total Funds

Operating Expense / Total Funds

Interest Expended / Interest Earned

Credit Deposit Ratio

Dividend Payout Ratio Net Profit

Capital Adequacy Ratio

Kotak Mahindra Bank

------------------- in Rs. Cr. -------------------

14060005_002013034 14060005_002012123 14060005_002012092 14060005_002012061 |2012

Source : Dion Global Solutions Limited

Kotak Mahindra Bank

Consolidated Quarterly Results