Kotak Mahindra Bank Limited
5,384words
4turns
0analyst exchanges
0executives
Key numbers — 40 extracted
rs,
₹ 4,933
5%
12.90%
13.12%
2.36%
₹ 792,
21%
₹ 3,552
4.97%
43%
18%
Guidance — 10 items
Registered Office
opening
“Ranked by deal volume and market share in India | #formerly known as Kotak Investment Advisors Ltd | ^In addition, Bank branches are present in DIFC (Dubai) & GIFT City (Gujarat) | &Kotak Securities network includes branches & franchises | $including cash recyclers 3 Consolidated Highlights Q4FY25 Q4FY24 Q4FY24 FY25 FY24 excl.”
Registered Office
opening
“5 Kotak Group PAT - FY25 ₹ cr FY25 FY24 YoY Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Infrastructure Debt Fund BSS Microfinance Sonata Finance Bank & Other lending related entities Kotak Securities Kotak Mahindra Capital Capital Market Kotak Mahindra Life Insurance Zurich Kotak General Insurance* Insurance Kotak AMC and TC Kotak Alternate Asset Managers International Subs Asset Management Others Bank & Subsidiaries Associates Inter co.”
Registered Office
opening
“Adjustments Consolidated PAT (Before KGI divestment) PAT on KGI divestment Total PAT FY25 PAT includes gain in subsidiaries and associates (excl insurance) entities of ₹ 411 cr due to alignment with RBI directions on valuation of investments portfolio 157,395 13.1%* ^Including increase in reserves due to - RBI’s Master Direction on investment valuation of Bank : ₹ 4,368 cr and Non Bank (excl.”
Registered Office
opening
“Insurance): ₹ 1,262 cr - Gain on ZKGI divestment - Bank: ₹ 2,730 cr and Group: ₹ 3,013 cr 15.2% *ROE- FY25: 13.5% (after adjusting networth change due to RBI’s Master Direction on investment valuation) 7 Bank Highlights Q4FY25 Q4FY24 Q4FY24 FY25 excl.”
PAT after excluding above items
opening
“Q4FY25: ₹ 3,466 cr and Q4FY24: ₹ 3,707 cr Fees & services ₹ cr Distribution Q4FY25 Q4FY24 Q3FY25 713 641 374 General Banking Fees 1,786 1,715 1,910 Others Total 117 111 78 2,616 2,467 2,362 *On fixed income, net of OIS/FRA 9 Bank’s Profit and Loss Account - FY25 ₹ cr Net Interest Income Other Income Fee and Services Trading and MTM income* Others Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Prov.”
PAT after excluding above items
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.”
PAT after excluding above items
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.”
PAT after excluding above items
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.”
PAT after excluding above items
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.”
PAT after excluding above items
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.
— PAT after excluding above items
Speaking time
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Opening remarks
Symbol
KOTAKBANK, KMBL, KMB26, KMB29, KMB30 Dear Sirs, Sub: Updated Investor Presentation in connection with the Audited Financial Results of the Bank for the financial year ended on March 31, 2025 We refer to the copy of the Investor Presentation in connection with the Audited Financial Results of the Bank for the financial year ended on March 31, 2025 submitted today with the stock exchanges and inform you that we have observed a typo in the ‘book value per share’ (which was inadvertently shown to be ‘Rs. in cr’ as against ‘Rs.’) in slide no. 4 of the said presentation. The same has been perfected and the updated Investor Presentation is enclosed herewith, for your reference and record. The updated presentation is also being made available on the Bank’s website (www.kotak.com). This update is submitted for appropriate dissemination on your website. Thanking you, Yours faithfully, For Kotak Mahindra Bank Limited Avan Doomasia Company Secretary Encl.: as above Kotak Mahindra Bank Ltd. CIN: L6
Registered Office
27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, www.kotak.com T +91 22 61660001 Maharashtra, India.This is a Confidential document. Transforming for scale Investor Presentation Q4FY25 Presentation on financial results for the Period ended 31st March, 2025 3rd May, 2025 Consolidated • PAT: ₹ 4,933 cr, Up 5% QoQ • ROE: Q4FY25: 12.90% FY25: 13.12% • ROA: Q4FY25: 2.36% FY25: 2.36% • Book value / share : ₹ 792, Up 21% YoY Key Updates for Q4FY25 Bank • PAT: ₹ 3,552 cr • NIM: 4.97% • CASA Ratio: 43% • Avg Advances*: FY25 Up 18% YoY • Avg Deposits: FY25 Up 16% YoY • NNPA: 0.31% Subsidiaries • Kotak Mahindra Prime: PAT^ Up 27% YoY • Kotak AMC and TC: PAT^ Up 34% YoY Alignment of RBI’s Master Direction on Bank’s investment valuation for group entities (excluding insurance companies) • Q4FY25 profit higher by ₹ 411 cr (net of tax) • Reserves higher by ₹ 1,262 cr (net of tax) as on 31st March 2025 *Advances (incl. IBPC & BRDS) | ^Excluding investment valuation gain on align
PAT after excluding above items
Q4FY25: ₹ 3,466 cr and Q4FY24: ₹ 3,707 cr Fees & services ₹ cr Distribution Q4FY25 Q4FY24 Q3FY25 713 641 374 General Banking Fees 1,786 1,715 1,910 Others Total 117 111 78 2,616 2,467 2,362 *On fixed income, net of OIS/FRA 9 Bank’s Profit and Loss Account - FY25 ₹ cr Net Interest Income Other Income Fee and Services Trading and MTM income* Others Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Prov. on Adv/Receivables (net) Prov. on AIF / other Investments Provision & Contingencies PBT Provision For Tax PAT ROE PAT on KGI divestment Total PAT FY25 28,342 11,418 FY24 25,993 10,273 9,530 253 1,635 8,464 354 1,455 39,760 36,266 7,881 10,873 18,754 21,006 2,848 94 6,856 9,823 16,679 19,587 1,494 79 2,942 1,573 18,064 18,014 4,344 4,232 13,720 12.57%^ 2,730 13,782 15.34% - YoY Notes Notes 9% 11% 13% -29% 12% 10% 15% 11% 12% 7% 91% 18% 87% - 3% - - - FY25 includes provision on AIF investment of ₹ 47 cr (FY24 ₹33 cr) FY25 includes interest on inc
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