Kotak Mahindra Bank Limited
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Key numbers — 40 extracted
rs,
₹ 4,701
10%
12.43%
2.30%
₹ 769,
23%
₹ 3,305
4.93%
42.3%
15%
0.41%
Guidance — 5 items
Continuing Technology Initiatives
opening
“y t i n u m m o C Technology at the Core Colleagues Colleagues: Our Greatest Asset Committed colleagues who are aligned with the Company’s purpose will deliver for the customers.”
Continuing Technology Initiatives
opening
“No offering of securities of the Bank will be made except by means of a statutory offering document containing detailed information about the Bank.”
Continuing Technology Initiatives
opening
“Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”
Continuing Technology Initiatives
opening
“We do not have any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after the date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not come to fruition.”
Continuing Technology Initiatives
opening
“No representation or warranty (express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness, completeness or accuracy of any information, projection, representation or warranty (expressed or implied) or omissions in this presentation.”
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Risks & concerns — 1 flagged
1 7 1 Customers Driving Inclusive and Responsible Growth Scale Execution Excellence at Scale Customer at the centre One Kotak Empowered Colleagues Prudent Risk Management C o m p a n y Company: Building Sustainable Value To build a great company that shareholders can be proud off - an institution that delivers sustainable and consistent financial returns.
— Continuing Technology Initiatives
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Opening remarks
Code
500247, 958687, 974396, 974682, 974924, 975387 NSE Symbol: KOTAKBANK, KMBL, KMB26, KMB29, KMB30 Dear Sirs,
Sub
Investor Presentation for Earnings Conference Call on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter and nine months ended December 31, 2024 Further to our intimation today regarding the Consolidated and Standalone Unaudited Financial Results of Kotak Mahindra Bank Limited ("Bank") for the quarter and nine months ended December 31, 2024 and pursuant to Regulation 30 of the of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("Listing Regulations"), we enclose herewith a copy of the Investor Presentation for Earnings Conference Call in connection with the aforesaid Financial Results. The above information is also being hosted on the Bank's website https://www.kotak.com/en/investor- relations/governance/sebi-listing-disclosures.html in terms of the Listing Regulations. This is for your information and appropriate dissemination. Thanking you, Yours faithfully, For Kotak Mahindra Bank Lim
Registered Office
27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, www.kotak.com Maharashtra, India. T +91 22 61660001 Transforming for scale Investor Presentation Q3FY25 Presentation on financial results for the Period ended 31st December, 2024 18th January, 2025 Key Updates for Q3FY25 Consolidated • PAT: ₹ 4,701 cr, Up 10% YoY • ROE: 12.43% • ROA: 2.30% • Book value / share : ₹ 769, Up 23% YoY Bank • PAT: ₹ 3,305 cr • NIM: 4.93% • CASA Ratio: 42.3% • Customer Assets: Up 15% YoY • Avg Deposits: Up 15% YoY • NNPA: 0.41% Subsidiaries • Kotak Mahindra Capital: PAT Up 170% YoY • Kotak AMC: PAT Up 73% YoY; Equity AAUM Up 51% YoY • Kotak Securities: PAT Up 46% YoY 2 Kotak’s predominance in its businesses Bank’s milestones Subsidiaries highlights #4 Private Sector Bank in India (Balance sheet size as at Sep’24) ₹ 3.55 trn Market Cap as on 31st Dec, 2024 Amongst the leading Financier for Tractors, CV & CE amongst banks in India Kotak Private- One of the leading private bankers Manages we
The order does not impact
Servicing and cross-sell of products (excl. new Credit Cards) to the existing customer base through all channels On-boarding of new customers through other than online/mobile banking channels Potential financial impact continues to be in line with the initial estimate
Continuing Technology Initiatives
Improved cross-sell and deepened existing relationships by driving automation of customer journeys Improved employee productivity and time to serve Customers by Front-line Digitization of transactions and reporting Significantly enhanced and tested resilience and scale capabilities for transaction volumes Built significant inhouse engineering team to drive technology transformation New Mobile Banking App soft launched in both App Store and Play Store 15 Kotak Securities ₹ cr Total Income Profit After Tax Cash Market Share* (%) Derivative Market Share* (%) Overall Market Share*(%) * excluding Proprietary Segments Q3FY25 Q3FY24 Q2FY25 FY24 1,355 999 1,380 3,982 448 9.1 12.7 11.5 306 10.3 12.4 11.6 444 1,226 9.3 13.0 11.6 10.2 12.6 11.8 KS Cash ADV (₹ cr) 6,667 5,862 5,820 8,354 Q3FY25 Q3FY24 Q2FY25 FY24 Market share is computed based on the revised disclosures by NSE from April’23, accordingly previous period numbers are recomputed. Derivative Market share is based on notional turnover f
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