KOTAKBANK

The earnings call for Kotak Mahindra Bank highlighted strong financial performance in FY2022, with a focus on asset quality and digital transformation. The bank reported significant growth in net interest income and other income segments, driven by increased customer engagement and robust economic recovery post-pandemic. Management emphasized prudent risk management and the importance of maintaining capital adequacy to support future growth.

Key financials

Net Interest Income

₹10,876 crore

FY2022

Segment commentary

Retail Banking

Strong growth in retail loans and deposits due to increased customer engagement.

Wholesale Banking

Stable performance with a focus on risk management.

Guidance & outlook

Expect continued growth in net interest income and other income segments.
Focus on digital transformation and customer experience.

Key takeaways

Strong financial performance in FY2022 with significant growth in key segments.
Emphasis on digital transformation and customer engagement.
Prudent risk management supporting stable asset quality.

Risks flagged

Economic uncertainty due to geopolitical tensions and inflationary pressures.

From the investor presentation

PAT Contribution (Bank & Subsidiaries) — The pie chart shows the distribution of PAT contributions from different segments within Bank & Subsidiaries, with 'Bank & Other Lending Related Entities' contributing the largest share.

— The pie chart illustrates the networth contribution of different segments within the Kotak Group as at June 30, 2026.

Profit and Loss Statement – Q1FY27 — The chart shows the financial performance of Kotak in Q1FY27, highlighting significant growth in Net Interest Income and Other Income compared to previous quarters.

Deposits — The chart shows the end-of-period (EOP) deposits for Kotak in various categories such as Current Account, Fixed rate Savings Account, and Floating rate Savings Account over different quarters.

Educational analysis only. Not investment advice. Consult a SEBI-registered advisor before investing. Source: https://nsearchives.nseindia.com/corporate/KOTAKBANK_09052022122728_Transcriptintimation.pdf

Full transcript (239 words)

kotak Kotak Mahindra Bank May9, 2022 BSELimited National Stock Exchange of India Limited Corporate Relationship Department, Exchange Plaza, Plot No.C/1, G Block, Phlroze J eejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Bandra (East), Mumbai 400 001 Mumbai 400 051 BSE Scrip Code: 500247 NSE Symbol: KOTAKBANK Dear Sir/ Madam, Sub: Transcript of the Earnings Conference Call on the Consolidated and Standalone Audited Financial Results of the Bank for the Financial Year ended March 31, 2022 held on May 4, 2022 at 6:00 p.m. (IST) Pursuant to Regulation 30 of the of the Securities and Exchange Board oflndia (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("Listing Regulations"), we wish to inform you that the transcript of the Earnings Conference Call on the Consolidated and Standalone Audited Financial Results for the financial year ended March 31, 2022, held on May 4, 2022 at 6.oo p.m. (!ST), is made available on the website of the Bank in pursuance of Regulation 46 of the Listing Regulations. The same can be accessed on the following link: https://www.kotak.com/en/investor-relations/financial-results.html?source=website We request you to take the above on record and disseminate the same on your website. Thanking you, Yours faithfully, For Kotak Mahindra Bank Limited b\A?~ ~~-;;oomasia Senior Executive Vice President & Company Secretary ~ Kotak Mahindra Bank Ltd. CIN: L6S 110MH1985PLC038137 Registered Office: 27 Bl(C, C 27, G B!ock, Bandra Kurla ~omp!ex, T +91 22 61660000 Sandra (E), Mumbai 400051, F +91 22 67132403 Mahnrashtra, India. www.kotak.com