Cosmos Co-operative Bank Ltd
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OVERVIEW
FINANCIALS
About
Cosmos Cooperative Bank, established in 1906, is one of the oldest urban cooperative banks in India. Headquartered in Pune, it offers a range of banking services, including retail banking, corporate banking, and treasury operations. The bank has a strong presence in Maharashtra and other states, serving a diverse customer base. Its emphasis on technological adoption and customer service has enabled it to compete with larger commercial banks. Cosmos Bank's resilience and adaptability have been key to its longevity in the banking sector.
Incorporation Year: 1906
Headquarters: Pune, India
Top Management: Milind Kale (Chairman)
Industry: BFSI
Website: cosmosbank.com
Featured In Fortune India Ranking
Fortune 500 India
#475(2014)
#484(2013)
#475(2014)#484(2013)
Next 500 India
#205(2024)#141(2023)#69(2020)#24(2019)
#205(2024)#141(2023)#69(2020)#24(2019)
Financial Data 2024
Revenue
2,246
(INR Cr)
Net Operating Income
1,710
(INR Cr)
Assets
24,555
(INR Cr)
Profit
384
(INR Cr)
Net Worth
2,156
(INR Cr)
Financial Data
RevenueNet Operating IncomeProfitAssetsNet Worth
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (INR Cr) | 2246 1.1% | 2222 16.4% | 1909 -8.3% | 2081 0.7% | 2067 13.6% | 1821 -3.1% | 1879 -14.0% | 2185 1.2% | 2160 6.1% | 2036 10.9% | 1837 7.1% | 1715 34.8% | 1272 42.7% | 892 10.8% | 805 14.1% | 706 - |
| Net Operating Income (INR Cr) | 1710 16.07% | 1473 5.39% | 1398 2.73% | 1361 -5.63% | 1442 -1.42% | 1463 0.07% | 1462 -8.11% | 1591 -9.79% | 1763 5.85% | 1666 7.11% | 1555 4.63% | 1486 25.80% | 1181 44.30% | 819 12.55% | 727 15.37% | 631 - |
| Profit (INR Cr) | 384 153.7% | 151 129.7% | 66 16.1% | 57 - | -54 - | 22 - | -66 - | 72 137.7% | 30 -47.6% | 58 -31.6% | 84 -12.6% | 96 -15.1% | 114 2.2% | 111 100.7% | 55 -38.8% | 90 - |
| Assets (INR Cr) | 24555 12.8% | 21772 5.4% | 20666 0.9% | 20474 1.6% | 20148 2.5% | 19651 5.1% | 18692 -3.2% | 19316 4.4% | 18505 -3.1% | 19089 7.9% | 17690 15.4% | 15326 5.1% | 14579 31.3% | 11102 26.1% | 8803 11.5% | 7897 - |
| Net Worth (INR Cr) | 2156 2.6% | 2102 -1.6% | 2137 3.7% | 2060 13.7% | 1812 2.0% | 1776 0.1% | 1775 3.5% | 1715 -1.4% | 1739 -0.6% | 1748 0.5% | 1740 11.1% | 1566 -14.0% | 1820 15.4% | 1577 24.0% | 1272 15.2% | 1104 23.2% |
| Employee Cost (INR Cr) | 224 3.6% | 216 3.6% | 208 3.3% | 202 -1.1% | 204 15.6% | 176 11.6% | 158 -5.6% | 167 55.8% | 107 -12.9% | 123 13.5% | 109 9.5% | 99 4.6% | 95 15.6% | 82 20.7% | 68 45.4% | 47 - |
| Interest Cost (INR Cr) | 998 | 795 | 805 | 983 | 1080 | 1057 | 1104 | 1248 | 1328 | 1286 | 1195 | 1114 | 860 | 540 | 539 | 432 |
| Cash & Bank Balance (INR Cr) | 2047 | 1767 | 2061 | 2462 | 1594 | 1370 | 1229 | 1061 | 997 | 1051 | 1042 | 854 | 1113 | 990 | 821 | 872 |
| Total Debt (INR Cr) | 20890 | 18247 | 17242 | 16822 | 16818 | 16478 | 15617 | 16381 | 15712 | 16308 | 15101 | 13108 | 12229 | 9266 | 7268 | 6656 |
Key Financial Ratios
Profit As % Of RevenuesRONW %Interest Cost to EBITDA %ROCE %Debt to Equity Ratio
| PARAMETERS | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit As % Of Revenues | 17.1% | 6.8% | 3.5% | 2.7% | - | 1.2% | - | 3.3% | 1.4% | 2.8% | 4.6% | 5.6% | 8.9% | 12.5% | 6.9% | 12.8% |
| Profit As % Of Assets | 1.6% | 0.7% | 0.3% | 0.3% | - | 0.1% | - | 0.4% | 0.2% | 0.3% | 0.5% | 0.6% | 0.8% | 1.0% | 0.6% | 1.2% |
| Profit As % Of Networth | 17.8% | 7.2% | 3.1% | 2.8% | - | 1.2% | - | 4.2% | 1.7% | 3.3% | 4.9% | 6.2% | 6.2% | 7.1% | 4.4% | 8.2% |
| Interest Cost to EBITDA % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| RONW | 18.0% | 7.1% | 3.1% | 2.9% | - | 0.9% | - | 4.2% | 1.7% | 3.3% | 5.1% | 5.7% | 6.7% | 7.8% | 4.7% | 9.1% |
| ROCE | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |