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CAMELS MODEL
Capital Adequacy
Asset Quality
Submitted by : Management
Anshika Aggarwal Earnings Efficiency
Roll no: 306 Liquidity
Section D Ratio Analysis
DuPont Analysis : KOTAK AND HDFC
ROE = PAT/ Assets * Assets/Equity
ROA= Income- Expenditure - Provisions/ Assets
(In Cr)
FY17 FY18 FY19 FY20 FY21
Equity 920.45 952.52 1454.38 1456.52 1490.92
Total Assets 276188.00 337720.00 395171.00 443173.00 478873.00
Income(Revenues) 33983.76 38813.31 45979.11 50365.74 56814.77
Expenditure 25702.92 28630.34 34358.03 36385.83 40386.74
Provisions 3331.76 4035.83 4501.39 5372.82 6525.14
PAT 4949.08 6147.14 7119.70 8607.08 9902.89
PAT / Revenues 14.56% 15.84% 15.48% 17.09% 17.43%
Revenue/Assets 12.30% 11.49% 11.64% 11.36% 11.86%
Expenditure/Assets 9.31% 8.48% 8.69% 8.21% 8.43%
Provision/Asset 1.21% 1.20% 1.14% 1.21% 1.36%
ROA (Kotak) 1.79% 1.82% 1.80% 1.94% 2.07%
ROE(Kotak) 13.80% 13.50% 13.30% 13.70% 12.80%
Kotak Mahindra Bank
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
18.00%
FY17 FY18 FY19 FY20 FY21
ROE-ROA ANALYSIS
ROA (Kotak) ROE(Kotak) ROA(HDFC) ROE(HDFC)
