Kotak Mahindra Bank, 500247, KOTAKBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

4,18,075.65
22.51
5

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

4,73,949.34
0.12%
2.49

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

16.73
3.28
14.05

EBITDA CAGR (%)

10 Years
5 Years
3 Years

20.62
17.25
14.08

PAT CAGR (%)

10 Years
5 Years
3 Years

3.37
2.86

P:E (Median)

8 Years
5 Years
3 Years

31.14
24.49
20.24

P:BV (Average)

8 Years
5 Years
3 Years

3.75
3.37
2.86

EV:EBITDA (Average)

8 Years
5 Years
3 Years

22.34
20.05
16.89

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Interest Earned 13,649.41 13,216.27 3.28% 13,836.54 12,746.11 8.56% 13,529.77 12,307.06 9.94% 13,427.58 11,799.02 13.80%
Interest Exp. 6,338.67 6,196.66 2.29% 6,577.25 5,903.76 11.41% 6,246.20 5,397.71 15.72% 6,231.33 5,245.50 18.79%
Net Interest Income 7,310.74 7,019.61 4.15% 7,259.29 6,842.35 6.09% 7,283.57 6,909.35 5.42% 7,196.25 6,553.52 9.81%
NIM 4.54 4.91 -7.54% 4.65 5.02 -7.37% 4.97 5.28 -5.87% 4.93 5.22 -5.56%
Other Income 2,589.18 2,684.19 -3.54% 3,079.98 2,929.04 5.15% 3,182.46 2,978.29 6.86% 2,622.80 2,297.02 14.18%
Total Income 16,238.59 15,900.46 2.13% 16,916.52 15,675.15 7.92% 16,712.23 15,285.35 9.33% 16,050.38 14,096.04 13.86%
Operating Exp. 4,631.65 4,604.55 0.59% 4,775.58 4,517.28 5.72% 4,993.83 4,426.08 12.83% 4,638.04 4,284.33 8.26%
Operating Profit 5,268.27 5,099.25 3.31% 5,563.69 5,254.11 5.89% 5,472.20 5,461.56 0.19% 5,181.01 4,566.21 13.46%
Provision 947.42 660.39 43.46% 1,207.76 578.48 108.78% 909.38 263.73 244.81% 794.11 579.14 37.12%
PBT 4,320.85 4,438.86 -2.66% 4,355.93 8,195.53 -46.85% 4,562.82 5,197.83 -12.22% 4,386.90 3,987.07 10.03%
PBTM 31.66 33.59 -5.75% 31.48 64.30 -51.04% 33.72 42.23 -20.15% 32.67 33.79 -3.31%
TAX 1,067.52 1,095.14 -2.52% 1,074.25 1,945.71 -44.79% 1,011.08 1,064.53 -5.02% 1,082.10 982.06 10.19%
PAT 3,253.33 3,343.72 -2.70% 3,281.68 6,249.82 -47.49% 3,551.74 4,133.30 -14.07% 3,304.80 3,005.01 9.98%
PATM 23.83% 25.30% 23.72% 49.03% 26.25% 33.58% 24.61% 25.47%
EPS 16.36 16.82 -2.73% 16.50 31.44 -47.52% 17.86 20.79 -14.09% 16.62 15.12 9.92%
Gross NPA 6,479.58 6,033.17 7.40% 6,637.70 5,477.15 21.19% 6,133.85 5,274.78 16.29% 6,266.25 6,301.67 -0.56%
Gross NPA% 1.39 1.49 -6.71% 1.48 1.39 6.47% 1.42 1.39 2.16% 1.50 1.73 -13.29%
Net NPA 1,490.98 1,723.83 -13.51% 1,530.93 1,376.33 11.23% 1,343.44 1,270.57 5.74% 1,680.98 1,225.26 37.19%
Net NPA% 0.32 0.43 -25.58% 0.34 0.35 -2.86% 0.31 0.34 -8.82% 0.41 0.34 20.59%
CASA 42.30 43.60 -2.98% 40.90 43.40 -5.76% 43.00 45.50 -5.49% 42.30 47.70 -11.32%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Interest Earned 17,198.74 16,426.97 4.70% 17,248.31 15,836.79 8.91% 16,771.93 15,156.18 10.66% 16,633.14 14,494.96 14.75%
Interest Exp. 7,332.56 7,138.98 2.71% 7,529.33 6,805.25 10.64% 7,159.58 6,212.16 15.25% 7,170.74 5,985.48 19.80%
Net Interest Income 9,866.18 9,287.99 6.23% 9,718.98 9,031.54 7.61% 9,612.35 8,944.02 7.47% 9,462.40 8,509.48 11.20%
NIM 4.54 4.91 -7.54% 4.65 0.00 0 4.97 0.00 0 0.00 0.00 0
Other Income 7,702.65 10,453.05 -26.31% 9,455.61 9,239.08 2.34% 10,402.49 12,751.15 -18.42% 7,312.65 9,588.19 -23.73%
Total Income 24,901.39 26,880.02 -7.36% 26,703.92 25,075.87 6.49% 27,174.42 27,907.33 -2.63% 23,945.79 24,083.15 -0.57%
Operating Exp. 10,551.64 12,203.82 -13.54% 11,800.02 11,488.59 2.71% 12,523.47 14,478.10 -13.50% 9,540.80 11,822.08 -19.30%
Operating Profit 7,017.19 7,537.22 -6.90% 7,374.57 6,782.03 8.74% 7,491.37 7,217.07 3.80% 7,234.25 6,275.59 15.28%
Provision 1,054.42 890.36 18.43% 1,321.17 774.44 70.60% 1,140.27 442.05 157.95% 1,054.17 662.00 59.24%
PBT 5,962.77 6,646.86 -10.29% 6,053.40 9,810.99 -38.30% 6,351.10 6,775.02 -6.26% 6,180.08 5,613.59 10.09%
PBTM 34.67 40.46 -14.31% 35.10 61.95 -43.34% 37.87 44.70 -15.28% 37.16 38.73 -4.05%
TAX 1,516.83 1,649.08 -8.02% 1,624.27 2,411.60 -32.65% 1,442.16 1,532.77 -5.91% 1,540.45 1,411.20 9.16%
PAT 4,445.94 4,997.78 -11.04% 4,429.13 7,399.39 -40.14% 4,908.94 5,242.25 -6.36% 4,639.63 4,202.39 10.40%
PATM 25.85% 30.42% 25.68% 46.72% 29.27% 34.59% 27.89% 28.99%
EPS 22.36 25.13 -11.02% 22.27 37.21 -40.15% 24.69 26.36 -6.34% 23.33 21.13 10.41%
Gross NPA 0.00 0.00 0 0.00 0.00 0 7,112.28 6,002.53 18.49% 7,218.17 6,981.15 3.40%
Gross NPA% 0.00 0.00 0 0.00 0.00 0 1.45 1.38 5.07% 1.51 1.68 -10.12%
Net NPA 0.00 0.00 0 0.00 0.00 0 1,751.55 1,567.08 11.77% 2,070.42 1,487.03 39.23%
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.36 0.36 0.00% 0.44 0.36 22.22%
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 29,049.85 28,341.78 25,993.20 21,551.91 16,817.91 15,339.65 13,499.66 11,205.80 9,531.69 8,126.15 6,900.37 Interest Earned 54,443.30 52,919.73 45,798.91 34,250.85 27,038.82 26,840.27 26,929.61 23,890.05 19,748.50 17,698.93 16,384.18 Interest Expended 25,393.45 24,577.95 19,805.71 12,698.94 10,220.91 11,500.62 13,429.95 12,684.25 10,216.81 9,572.78 9,483.81 Int. income Growth 6.31% 9.04% 20.61% 28.15% 9.64% 13.63% 20.47% 17.56% 17.30% 17.76% Other Income 11,474.42 14,961.14 10,273.10 7,083.05 5,985.92 5,006.51 5,372.11 4,657.18 4,052.21 3,477.16 2,612.23 Total Income 65,917.72 43,302.92 36,266.30 28,634.96 22,803.83 20,346.16 18,871.77 15,862.98 13,583.90 11,603.31 9,512.60 Total Expenditure 19,039.10 20,990.12 17,637.80 13,782.25 11,061.53 10,676.40 10,695.15 8,110.27 7,062.98 6,164.58 6,101.51 Employee Cost - 7,918.35 6,892.63 5,547.78 4,613.35 3,765.40 3,911.12 3,183.61 2,950.23 2,768.53 2,816.97 % Of Sales - 14.96% 15.05% 16.20% 17.06% 14.03% 14.52% 13.33% 14.94% 15.64% 17.19% Opt. & Establishment Exp. - 11,586.79 10,401.01 8,700.94 6,520.60 5,185.51 5,311.76 4,698.11 3,778.18 3,140.63 2,941.93 % Of Sales - 21.90% 22.71% 25.40% 24.12% 19.32% 19.72% 19.67% 19.13% 17.74% 17.96% Provisions - 2,942.36 1,573.74 456.99 689.56 2,459.03 2,216.17 962.39 939.95 836.74 917.37 % Of Sales - 5.56% 3.44% 1.33% 2.55% 9.16% 8.23% 4.03% 4.76% 4.73% 5.60% EBITDA 21,485.17 22,312.80 18,628.50 14,852.71 11,742.30 9,669.76 8,176.62 7,752.71 6,520.92 5,438.73 3,411.09 EBITDA Margin 65.03% 78.73% 71.67% 68.92% 69.82% 63.04% 60.57% 69.18% 68.41% 66.93% 49.43% Depreciation 0.00 728.69 614.79 461.73 380.99 366.77 371.95 366.92 302.69 290.66 287.38 PBT 17,626.50 21,584.11 18,013.71 14,390.99 11,361.31 9,302.99 7,804.67 7,385.79 6,218.22 5,148.07 3,123.72 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 4,234.95 5,134.03 4,232.13 3,451.69 2,788.62 2,338.15 1,857.49 2,520.46 2,133.92 1,736.57 1,033.94 Tax Rate 24.03% 23.79% 23.49% 23.99% 24.54% 25.13% 23.80% 34.13% 34.32% 33.73% 33.10% PAT 13,391.55 16,450.08 13,781.58 10,939.30 8,572.69 6,964.84 5,947.18 4,865.33 4,084.30 3,411.50 2,089.78 PAT before Minority Interest 13,391.55 16,450.08 13,781.58 10,939.30 8,572.69 6,964.84 5,947.18 4,865.33 4,084.30 3,411.50 2,089.78 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 33.05% 37.99% 38.00% 38.20% 37.59% 34.23% 31.51% 30.67% 30.07% 29.40% 21.97% PAT Growth -19.96% 19.36% 25.98% 27.61% 23.09% 17.11% 22.24% 19.12% 19.72% 63.25% EPS 67.34 82.72 69.30 55.01 43.11 35.02 29.91 24.47 20.54 17.16 10.51

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 38,659.91 37,394.28 33,669.39 27,739.93 22,187.08 19,853.28 17,573.48 14,644.61 12,664.23 10,866.70 9,278.67 Interest Earned 67,852.12 65,668.83 56,236.63 42,151.06 33,740.62 32,819.83 33,474.16 29,831.22 25,131.08 22,324.21 20,401.64 Interest Expended 29,192.21 28,274.55 22,567.24 14,411.13 11,553.54 12,966.55 15,900.68 15,186.61 12,466.85 11,457.51 11,122.97 Int. income Growth 8.07% 11.06% 21.38% 25.03% 11.76% 12.97% 20.00% 15.64% 16.54% 17.11% Other Income 34,873.40 41,233.41 38,037.28 25,990.97 24,941.06 23,587.68 16,891.58 16,147.89 13,682.23 11,659.56 7,630.73 Total Income 1,02,725.52 78,627.69 71,706.67 53,730.90 47,128.14 43,440.96 34,465.06 30,792.50 26,346.46 22,526.26 16,909.40 Total Expenditure 44,415.93 48,697.75 47,051.55 33,485.46 30,699.48 29,811.57 22,578.36 19,758.37 16,804.80 14,832.11 11,541.14 Employee Cost - 11,963.60 10,347.31 8,479.03 7,140.93 5,855.70 5,755.97 4,850.90 4,380.90 3,982.31 3,854.05 % Of Sales - 18.22% 18.40% 20.12% 21.16% 17.84% 17.20% 16.26% 17.43% 17.84% 18.89% Opt. & Establishment Exp. - 34,756.73 36,315.27 25,765.27 23,748.75 22,025.54 15,194.07 14,778.94 12,166.02 10,625.30 7,384.54 % Of Sales - 52.93% 64.58% 61.13% 70.39% 67.11% 45.39% 49.54% 48.41% 47.60% 36.20% Provisions - 3,859.24 1,972.47 439.68 770.50 2,852.43 2,558.10 1,045.37 1,024.74 948.92 991.57 % Of Sales - 5.88% 3.51% 1.04% 2.28% 8.69% 7.64% 3.50% 4.08% 4.25% 4.86% EBITDA 29,117.38 29,929.94 24,655.12 20,245.44 16,428.66 13,629.39 11,886.70 11,034.13 9,541.66 7,694.15 5,368.26 EBITDA Margin 34.54% 80.04% 73.23% 72.98% 74.05% 68.65% 67.64% 75.35% 75.34% 70.80% 57.86% Depreciation 0.00 940.91 791.75 599.26 480.35 461.05 464.89 458.42 383.43 362.21 344.51 PBT 24,547.35 28,989.03 23,863.38 19,646.18 15,948.30 13,168.34 11,421.80 10,575.72 9,158.23 7,331.93 5,023.74 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 6,123.71 7,043.29 5,886.55 4,865.74 4,016.43 3,265.44 2,814.72 3,456.02 3,011.09 2,382.85 1,592.62 Tax Rate 24.95% 24.30% 24.67% 24.77% 25.18% 24.80% 24.64% 32.68% 32.88% 32.50% 31.70% PAT 18,423.64 21,945.74 17,976.83 14,780.44 11,931.87 9,902.90 8,607.08 7,119.70 6,090.47 4,870.25 3,365.93 PAT before Minority Interest 18,423.64 21,945.74 17,976.83 14,780.44 11,931.87 9,902.90 8,607.08 7,119.70 6,147.14 4,949.08 3,431.12 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -56.67 -78.83 -65.19 PAT Margin 25.05% 27.91% 25.07% 27.51% 25.32% 22.80% 24.97% 23.12% 23.12% 21.62% 19.91% PAT Growth -15.65% 22.08% 21.63% 23.87% 20.49% 15.06% 20.89% 16.90% 25.05% 44.69% EPS 92.65 110.36 90.40 74.33 60.00 49.80 43.28 35.80 30.63 24.49 16.93

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,17,239.88 96,718.76 83,520.25 72,487.78 63,729.13 49,018.17 42,900.45 37,483.82 27,617.94 23,962.47 Share Capital 994.11 993.96 1,493.28 1,492.33 1,490.92 1,456.52 1,454.38 952.82 920.45 917.19 Total Reserves 1,16,151.51 95,645.50 81,966.67 70,964.14 62,236.05 47,558.78 41,444.00 36,528.83 26,695.62 23,041.87 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 4,99,055.14 4,48,953.75 3,63,096.05 3,11,684.11 2,80,100.05 2,62,820.52 2,25,880.36 1,92,643.27 1,57,425.86 1,38,643.02 Borrowings 48,442.76 28,368.10 23,416.27 25,967.12 23,650.65 37,993.31 32,248.29 25,154.15 21,095.48 20,975.34 Other Liabilities & Provisions 28,886.40 26,316.45 19,829.91 19,289.39 15,990.34 10,419.68 11,142.98 9,652.15 8,450.68 8,678.96 Total Liabilities 6,93,624.18 6,00,357.06 4,89,862.48 4,29,428.40 3,83,470.17 3,60,251.68 3,12,172.08 2,64,933.39 2,14,589.96 1,92,259.79 Net Block 2,358.86 2,155.30 1,920.32 1,643.72 1,535.27 1,623.13 1,651.55 1,527.16 1,537.63 1,551.59 Gross Block 5,963.75 5,100.24 4,466.74 4,087.46 3,786.12 3,676.29 3,636.53 3,728.04 3,692.74 3,455.85 Accumulated Depreciation 3,604.89 2,944.94 2,546.41 2,443.75 2,250.85 2,053.16 1,984.98 2,200.88 2,155.11 1,904.26 Total Non-Current Assets 6,76,954.67 5,86,422.73 4,75,727.57 4,16,401.48 3,69,931.15 3,49,715.17 3,03,210.99 2,55,427.54 2,05,265.96 1,82,356.82 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 41,699.20 36,252.04 19,965.56 36,026.22 12,493.61 9,505.05 10,877.52 8,908.51 7,492.43 6,903.43 Balance with banks and money at call 24,079.96 16,536.36 12,576.75 6,897.72 27,132.92 43,787.25 13,798.02 10,711.60 15,079.58 3,976.28 Investments 1,81,907.45 1,55,403.76 1,21,403.73 1,00,580.22 1,05,099.19 75,051.55 71,189.09 64,562.35 45,074.19 51,260.22 Advances 4,26,909.20 3,76,075.27 3,19,861.21 2,71,253.60 2,23,670.16 2,19,748.19 2,05,694.81 1,69,717.92 1,36,082.13 1,18,665.30 Other Assets 16,669.52 13,934.32 14,134.91 13,026.92 13,539.01 10,536.52 8,961.11 9,505.86 9,324.00 9,902.97 Total Assets 6,93,624.19 6,00,357.05 4,89,862.48 4,29,428.40 3,83,470.16 3,60,251.69 3,12,172.10 2,64,933.40 2,14,589.96 1,92,259.79 Contingent Liabilities 11,07,855.67 7,17,281.18 4,55,693.74 2,66,610.63 1,93,106.99 1,87,277.36 2,12,082.27 2,05,104.84 1,93,067.54 2,42,610.28 Bills for collection 52,690.82 47,467.71 44,655.24 38,709.28 41,272.80 39,518.98 31,852.23 24,255.31 20,318.26 14,964.05 Adjusted Book Value 589.20 486.13 417.61 362.56 319.03 253.60 222.13 196.69 150.01 130.61

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,57,489.35 1,29,971.69 1,12,314.40 97,165.34 84,838.60 67,136.98 58,281.80 50,488.23 38,492.71 33,364.05 Share Capital 994.11 993.96 1,493.28 1,492.33 1,490.92 1,456.52 1,454.38 952.82 920.45 917.19 Total Reserves 1,56,400.97 1,28,898.44 1,10,760.81 95,641.70 83,345.53 65,677.60 56,825.35 49,533.24 37,570.39 32,443.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 474.43 395.60 Deposits 4,94,707.48 4,45,268.76 3,61,272.62 3,10,086.89 2,78,871.41 2,60,400.21 2,24,824.26 1,91,235.80 1,55,540.00 1,35,948.76 Borrowings 97,622.03 75,105.61 57,033.92 55,159.87 47,738.90 65,576.72 66,438.94 58,603.97 49,689.91 43,729.79 Other Liabilities & Provisions 1,29,955.48 1,17,320.90 89,808.79 84,085.81 67,405.30 50,058.80 45,626.24 37,392.47 31,990.51 27,365.37 Total Liabilities 8,79,774.34 7,67,666.96 6,20,429.73 5,46,497.91 4,78,854.21 4,43,172.71 3,95,171.24 3,37,720.47 2,76,187.56 2,40,803.57 Net Block 2,810.80 2,562.51 2,261.20 1,909.63 1,740.16 1,860.96 1,883.71 1,749.83 1,755.20 1,761.02 Gross Block 7,407.90 6,401.58 5,583.30 5,060.14 4,638.64 4,499.79 4,396.36 4,433.65 4,336.70 4,046.92 Accumulated Depreciation 4,597.10 3,839.08 3,322.10 3,150.51 2,898.48 2,638.83 2,512.65 2,683.82 2,581.50 2,285.91 Total Non-Current Assets 8,52,293.07 7,44,566.20 5,99,631.97 5,23,578.13 4,58,572.08 4,27,016.67 3,80,097.18 3,23,124.38 2,62,930.20 2,28,427.15 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 41,748.35 36,286.74 19,985.20 36,049.18 12,528.00 9,513.23 10,910.92 8,933.50 7,512.23 6,924.90 Balance with banks and money at call 37,313.40 28,919.65 22,940.14 16,616.31 35,188.62 54,566.61 20,353.54 15,467.13 18,076.32 4,674.51 Investments 2,84,255.00 2,46,445.72 1,95,337.97 1,64,529.41 1,56,945.55 1,11,196.91 1,03,487.02 90,976.60 68,461.54 70,273.90 Advances 4,86,165.52 4,30,351.58 3,59,107.46 3,04,473.60 2,52,169.75 2,49,878.96 2,43,461.99 2,05,997.32 1,67,124.91 1,44,792.82 Other Assets 27,481.26 23,100.76 20,797.75 22,919.79 20,282.13 16,156.03 15,074.06 14,596.09 13,257.36 12,376.44 Total Assets 8,79,774.33 7,67,666.96 6,20,429.72 5,46,497.92 4,78,854.21 4,43,172.70 3,95,171.24 3,37,720.47 2,76,187.56 2,40,803.59 Contingent Liabilities 11,27,159.26 7,34,057.38 4,67,640.38 2,74,476.68 2,02,290.05 1,90,159.09 2,17,847.15 2,09,757.54 1,96,172.07 2,44,711.86 Bills for collection 52,690.82 47,467.71 44,655.24 38,709.28 41,272.80 39,518.98 31,852.23 24,255.31 20,318.26 14,964.05 Adjusted Book Value 791.64 653.41 562.55 486.90 425.55 348.32 302.71 264.93 209.09 181.86

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 12,805.54 13,900.79 -8,369.18 2,161.33 -5,298.30 30,159.43 -3,387.72 -10,274.92 14,411.92 6,133.72 PBT 21,584.11 18,013.72 14,390.99 11,361.31 9,302.98 7,804.67 7,385.79 6,218.22 5,148.07 3,123.72 Adjustment -513.18 781.59 1,440.04 2,312.68 3,637.29 2,826.51 1,535.38 1,470.71 1,339.98 1,342.82 Adjustments for Liabilities & Assets -3,583.03 -279.37 -20,722.45 -8,861.72 -15,905.81 21,529.20 -9,864.70 -15,872.76 9,355.53 2,923.97 Refund/(Payment) of direct taxes -4,682.36 -4,615.15 -3,477.76 -2,650.94 -2,332.76 -2,000.95 -2,444.19 -2,091.09 -1,431.65 -1,256.78 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -19,556.21 2,021.50 490.86 -1,334.92 -1,769.10 -7,454.06 798.11 -2,515.50 -2,971.84 -6,363.01 Net Fixed Assets -863.51 -633.50 -379.28 -301.34 -109.83 -39.76 91.51 -35.30 -236.89 -1310.04 Other Investment Activity -3942.25 -4609.38 -5801.66 -5856.56 -11240.18 -2878.18 -6152.03 -6699.88 -10055.75 -6909.64 Cash from Financing Activity 19,723.44 4,314.44 -2,541.91 2,456.07 -6,585.90 5,882.91 7,633.07 9,837.22 256.52 -1,463.91 Closing Cash & Equivalent 65,779.15 52,788.40 32,542.31 42,923.94 39,626.53 53,292.30 24,675.54 19,620.11 22,572.01 10,879.72 Net Cash Inflow / Outflow 12,972.77 20,236.73 -10,420.22 3,282.48 -13,653.30 28,588.29 5,043.46 -2,953.19 11,696.60 -1,693.19 Opening Cash & Equivalents 52,788.40 32,542.31 42,923.94 39,626.53 53,292.30 24,675.54 19,620.11 22,572.01 10,879.72 6,262.36

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 16,915.73 15,685.00 -1,242.43 8,308.36 4,881.13 46,618.83 1,822.38 -10,392.41 13,222.50 5,024.58 PBT 28,989.03 23,863.38 19,646.18 15,948.30 13,168.34 11,421.80 10,575.72 9,158.22 7,331.93 5,023.74 Adjustment -3,534.68 -4,343.90 2,152.34 122.16 -1,268.57 3,967.80 548.67 645.31 -524.95 1,450.66 Adjustments for Liabilities & Assets -2,199.90 2,203.11 -18,275.57 -4,017.75 -3,792.56 34,095.51 -5,870.54 -17,249.17 8,525.05 238.88 Refund/(Payment) of direct taxes -6,338.71 -6,037.59 -4,765.38 -3,744.34 -3,226.08 -2,866.28 -3,431.46 -2,946.77 -2,109.53 -1,688.70 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -25,272.08 -9,096.93 -10,550.18 -10,969.26 -11,116.14 -13,198.87 -3,382.56 -5,608.25 -5,268.09 -8,662.39 Net Fixed Assets -863.51 -633.50 -379.28 -301.34 -109.83 -39.76 91.51 -35.30 -236.89 -1310.04 Other Investment Activity -15060.68 -15650.42 -15436.00 -15203.60 -16984.99 -7058.85 -9244.78 -8996.13 -12355.13 -7922.93 Cash from Financing Activity 22,165.20 15,515.11 1,883.00 7,543.40 -10,072.05 -735.00 8,364.59 14,679.40 6,055.26 2,024.41 Closing Cash & Equivalent 79,061.75 65,206.39 42,925.35 52,665.48 47,716.62 64,079.85 31,264.46 24,400.63 25,588.55 11,599.41 Net Cash Inflow / Outflow 13,808.86 22,103.18 -9,909.60 4,882.51 -16,307.05 32,684.96 6,804.42 -1,321.25 14,009.68 -1,613.40 Opening Cash & Equivalents 65,206.39 42,925.35 52,665.48 47,716.62 64,079.85 31,264.46 24,400.63 25,588.55 11,599.41 6,903.44

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 589.20 486.13 417.61 362.56 319.03 253.60 222.13 196.69 150.01 130.61 NIM 4.20 4.45 4.55 4.05 4.16 3.88 3.72 3.75 3.99 3.82 Yield on Advances 12.40 12.18 10.71 9.97 12.00 12.25 11.61 11.64 13.01 13.81 Yield on Investments 8.14 5.37 4.70 6.65 6.76 7.65 6.94 6.42 9.15 7.16 Cost of Liabilities 4.49 4.15 3.29 3.03 3.79 4.46 4.91 4.69 5.36 5.94 Interest Spread 7.91 8.03 7.42 6.94 8.21 7.79 6.70 6.95 7.64 7.87 ROCE 16.20% 16.80% 14.89% 13.20% 12.26% 11.31% 13.15% 13.47% 13.85% 13.32% Cost Income Ratio 43.36 45.99 48.15 47.15 42.19 46.90 47.37 47.30 48.42 57.52 Core Cost Income Ratio 48.39 47.19 46.56 45.30 41.82 48.13 47.59 48.06 50.34 58.84 Operating Costs to Assets 2.71 2.78 2.81 2.50 2.24 2.46 2.41 2.43 2.62 2.85 Loans/Deposits 0.10 0.06 0.06 0.08 0.08 0.14 0.14 0.13 0.13 0.15 Cash/Deposits 0.08 0.08 0.06 0.12 0.04 0.04 0.05 0.05 0.05 0.05 Investment/Deposits 0.36 0.35 0.33 0.32 0.38 0.29 0.32 0.34 0.29 0.37 Inc Loan/Deposits 9.71% 6.32% 6.45% 8.33% 8.44% 14.46% 14.28% 13.06% 13.40% 15.13% Credit Deposits 85.54% 83.77% 88.09% 87.03% 79.85% 83.61% 91.06% 88.10% 86.44% 85.59% Interest Expended / Interest earned 46.44% 43.24% 37.08% 37.80% 42.85% 49.87% 53.09% 51.73% 54.09% 57.88% Interest income / Total funds 7.63% 7.63% 6.99% 6.30% 7.00% 7.48% 7.65% 7.45% 8.25% 8.52% Interest Expended / Total funds 3.54% 3.30% 2.59% 2.38% 3.00% 3.73% 4.06% 3.86% 4.46% 4.93% CASA 42.96% 45.51% 52.83% 60.68% 60.45% 56.17% 52.50% 50.75% 44.00% 38.07%

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 791.64 653.41 562.55 486.90 425.55 348.32 302.71 264.93 209.09 181.86 NIM 4.40 4.54 4.64 4.25 4.35 4.13 3.87 3.94 4.16 4.09 Yield on Advances 13.51 13.07 11.74 11.08 13.01 13.40 12.25 12.20 13.36 14.09 Yield on Investments 8.64 6.52 5.53 7.03 7.04 7.98 7.07 7.01 8.94 7.29 Cost of Liabilities 4.77 4.34 3.45 3.16 3.97 4.88 5.21 4.99 5.58 6.19 Interest Spread 8.73 8.73 8.29 7.92 9.04 8.52 7.04 7.21 7.78 7.90 ROCE 15.14% 15.06% 13.86% 12.79% 12.10% 11.88% 12.66% 12.95% 12.98% 13.01% Cost Income Ratio 58.22 63.97 62.62 64.52 63.12 59.44 62.26 61.35 63.24 64.43 Core Cost Income Ratio 65.15 71.35 62.04 66.93 71.28 58.33 64.81 63.81 69.64 64.72 Operating Costs to Assets 5.20 5.98 5.42 5.56 5.73 4.62 4.85 4.79 5.16 4.52 Loans/Deposits 0.20 0.17 0.16 0.18 0.17 0.25 0.30 0.31 0.32 0.32 Cash/Deposits 0.08 0.08 0.06 0.12 0.04 0.04 0.05 0.05 0.05 0.05 Investment/Deposits 0.57 0.55 0.54 0.53 0.56 0.43 0.46 0.48 0.44 0.52 Inc Loan/Deposits 19.73% 16.87% 15.79% 17.79% 17.12% 25.18% 29.55% 30.64% 31.95% 32.17% Credit Deposits 98.27% 96.65% 99.40% 98.19% 90.43% 95.96% 108.29% 107.72% 107.45% 106.51% Interest Expended / Interest earned 43.06% 40.13% 34.19% 34.24% 39.51% 47.50% 50.91% 49.61% 51.32% 54.52% Interest income / Total funds 7.46% 7.33% 6.79% 6.17% 6.85% 7.55% 7.55% 7.44% 8.08% 8.47% Interest Expended / Total funds 3.21% 2.94% 2.32% 2.11% 2.71% 3.59% 3.84% 3.69% 4.15% 4.62% CASA 42.99% 45.48% 52.78% 60.63% 60.47% 56.36% 52.47% 50.85% 44.34% 38.66%

Top Investors:

life insurance corporation of india

sbi mutual fund

hdfc mutual fund

icici prudential mutual fund

uti quant mutual fund

national pension system trust

parag parikh mutual fund

government pension fund global

europacific growth fund

nippon india mutual fund

Annual Reports:

News Update:

Kotak Mahindra Bank reports 11% fall in Q2 consolidated net profit
27th Oct 2025, 12:50 PM

The consolidated total income of the bank decreased by 7.36% at Rs 24,901.39 crore for Q2FY26
Read More
Kotak Mahindra Bank - Quarterly Results
26th Oct 2025, 00:00 AM

Read More
Kotak Mahindra Bank, DPIIT sign memorandum of understanding
24th Oct 2025, 10:14 AM

The initiative will offer a dynamic support system encompassing banking services, advisory, technology enablement, funding access, and market linkages
Read More
Kotak Mahindra Bank reports 14.59% rise in total deposits in Q2FY26
6th Oct 2025, 09:14 AM

CASA (EOP) stood at Rs 2,23,791 crore (Provisional) as of September 30, 2025
Read More

Kotak Mahindra Bank Ltd.

Bank - Private

BSE: 500247 | NSE: KOTAKBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

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Consolidated Figures in Rs. Crores /

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Consolidated /

Top Investors:

Annual Reports:

News Update:

Kotak Mahindra Bank Ltd.

Bank - Private

BSE: 500247 | NSE: KOTAKBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

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Consolidated /

Top Investors:

Annual Reports:

News Update: