Annual Report Analysis Of

IndusInd Bank
sis Of
 BALANCE SHEET AS AT MARCH 31, 2009

SCHEDULE As at 31.03.09
CAPITAL AND LIABILITIES

Capital I 3,551,921
Employee Stock Options Outstanding XVIII (9) 11,510
Reserves and Surplus II 13,080,511

Deposits III 221,102,527

Borrowings IV 18,564,553
Other Liabilities and Provisions V 19,835,803

TOTAL 276,146,825

ASSETS
Cash and Balances with Reserve
Bank of India VI 11,907,898
Balances with Banks and Money at
Call and Short Notice VII 7,329,049

Investments VIII 80,834,055

Advances IX 157,706,359
Fixed Assets X 6,231,934

Other Assets XI 12,137,530

TOTAL 276,146,825

Contingent Liabilities XII 442,991,733

Bills for Collection 29,377,335

Principal Accounting Policies XVII

Notes on Accounts XVIII
2,211,025.27
 PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2009

SCHEDULE

I. INCOME
Interest Earned XIII
Other Income XIV
TOTAL
II. EXPENDITURE
Interest Expended XV
Operating Expenses XVI
Provisions and Contingencies
TOTAL

III. PROFIT
Profit brought forward
AMOUNT AVAILABLE FOR APPROPRIATION TOTAL
IV. APPROPRIATIONS
Transfer to
a) Statutory
b) Capital
c) Investment Reserve Account
d) Dividend
e) Corporate

Balance transferred to Balance Sheet

TOTAL
Earnings per share (basic)(Rupees) XVIII(10.6)
Earnings per share (diluted)(Rupees) XVIII(10.6)
Principal Accounting Policies XVII
Notes on Accounts XVIII
MARCH 31, 2009

Year ended
31.03.09

23,094,744
4,562,535
27,657,279

18,504,414
5,470,341
2,199,136
26,173,891 2,211,025.27

1,483,388
2,429,907
3,913,295

370,847
534,029
15,323
447,115
75,987
1,443,301
2,469,994
3,913,295
4.28
4.27
 CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2009

A. Cash Flow from Operating Activities

Net Profit after taxes
Adjustments for non-cash charges :
Depreciation on Fixed Assets
Provision on Investments
Tax Provisions (Income Tax/ Wealth Tax/ Deferred Tax)
Employees Stock Option Expenses
Loan loss and Other Provisions
Interest on Tier II / Upper Tier II bonds (treated separately)
(Profit) / Loss on sale of Fixed assets
Operating Profit before Working Capital changes
Adjustments for :
Increase in trade and Other Receivables (Advances and Other Assets)
Increase in Inventories (Investments)
Increase in Trade Payables (Deposits, Borrowings and Other Liabilities)
Cash generated from Operations
Direct taxes paid
Net Cash from Operating Activities

B. Cash Flow from Investing Activities

Purchase of Fixed Assets
Sale of Fixed Assets (Proceeds)
Net Cash used in Investing Activities

C. Cash Flow from Financing Activities

Proceeds from GDR issue – Capital
– Premium
Dividends paid
Proceeds from Issue of Unsecured Non-Convertible Redeemable
Subordinated Tier II Bonds
Proceeds from Unsecured Non-convertible Redeemable Non-Cumulative
Subordinated Upper Tier II Bonds
Redemption of Sub-ordinated Tier II capital
Interest on Tier II / Upper Tier II bonds
Net Cash used in Financing Activities
Net increase in Cash and Cash Equivalents
Cash and Cash Equivalents as on the first day of the year
Cash and Cash Equivalents as on the last day of the year
DED MARCH 31, 2009

For the year ended 31.3.2009

148.34

44.17
(3.09)
79.15
0.64
143.85
77.27 2,211,025.27
2.6
492.93

(3311.17)
(1450.62)
3946.23
(322.63)
67.22
(389.85)

51.05
2.06
48.99

35.19
187
24.92

100

–
35.5
77.27
184.5
254.34
2178.03
1923.69
 BALANCE SHEET AS AT MARCH 31, 2009

SCHEDULE
As at 31.03.09
LIABILITIES

Capital I 2
Employee Stock Options
Outstanding XVIII (9) 0.0052
Reserves and Surplus II 6

Deposits III 100

Borrowings IV 8
Other Liabilities and
Provisions V 9

TOTAL 125

ASSETS
Cash and Balances with
Reserve Bank of India VI 5
Balances with Banks and
Money at Call and Short
Notice VII 3

Investments VIII 37
Advances IX 71
Fixed Assets X 3

Other Assets XI 5
TOTAL 125

Contingent Liabilities XII 200

Bills for Collection 13

Principal Accounting
Policies XVII
Notes on Accounts XVIII
1.00
 PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2009

SCHEDULE

I. INCOME
Interest Earned XIII
Other Income XIV
TOTAL
II. EXPENDITURE
Interest Expended XV
Operating Expenses XVI
Provisions and Contingencies
TOTAL

III. PROFIT
Profit brought forward
AMOUNT AVAILABLE FOR APPROPRIATION TOTAL
IV. APPROPRIATIONS
Transfer to
a) Statutory
b) Capital
c) Investment Reserve Account
d) Dividend
e) Corporate

Balance transferred to Balance Sheet

TOTAL
Earnings per share (basic)(Rupees) XVIII(10.6)
Earnings per share (diluted)(Rupees) XVIII(10.6)
Principal Accounting Policies XVII
Notes on Accounts XVIII
MARCH 31, 2009

Year ended
31.03.09

10.4452646
2.0635382
12.5088028

8.3691554
2.4741196
0.9946227
11.8378977

0.6709050
1.0989956
1.7699006

0.1677263
0.2415300
0.0069303
0.2022207
0.0343673
0.6527745
1.1171261
1.7699006
0.0000019
0.0000019
 CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2009

A. Cash Flow from Operating Activities

Net Profit after taxes
Adjustments for non-cash charges :
Depreciation on Fixed Assets
Provision on Investments
Tax Provisions (Income Tax/ Wealth Tax/ Deferred Tax)
Employees Stock Option Expenses
Loan loss and Other Provisions
Interest on Tier II / Upper Tier II bonds (treated separately)
(Profit) / Loss on sale of Fixed assets
Operating Profit before Working Capital changes
Adjustments for :
Increase in trade and Other Receivables (Advances and Other Assets)
Increase in Inventories (Investments)
Increase in Trade Payables (Deposits, Borrowings and Other Liabilities)
Cash generated from Operations
Direct taxes paid
Net Cash from Operating Activities

B. Cash Flow from Investing Activities

Purchase of Fixed Assets
Sale of Fixed Assets (Proceeds)
Net Cash used in Investing Activities

C. Cash Flow from Financing Activities

Proceeds from GDR issue – Capital
– Premium
Dividends paid
Proceeds from Issue of Unsecured Non-Convertible Redeemable
Subordinated Tier II Bonds
Proceeds from Unsecured Non-convertible Redeemable Non-Cumulative
Subordinated Upper Tier II Bonds
Redemption of Sub-ordinated Tier II capital
Interest on Tier II / Upper Tier II bonds
Net Cash used in Financing Activities
Net increase in Cash and Cash Equivalents
Cash and Cash Equivalents as on the first day of the year
Cash and Cash Equivalents as on the last day of the year
DED MARCH 31, 2009

For the year ended 31.3.2009

148.34

44.17
(3.09)
79.15
0.64
143.85
77.27
2.6
492.93

(3311.17)
(1450.62)
3946.23
(322.63)
67.22
(389.85)

51.05
2.06
48.99

35.19
187
24.92

100

–
35.5
77.27
184.5
254.34
2178.03
1923.69