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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,76,440.80
16.71
5

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

4,15,259.67
0.11%
2.48

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

14.68
20.98
9.53

EBITDA CAGR (%)

10 Years
5 Years
3 Years

19.59
15.87
14.64

PAT CAGR (%)

10 Years
5 Years
3 Years

3.57
3.17

P:E (Median)

8 Years
5 Years
3 Years

33.90
28.03
22.86

P:BV (Average)

8 Years
5 Years
3 Years

3.91
3.57
3.17

EV:EBITDA (Average)

8 Years
5 Years
3 Years

23.41
21.37
19.06

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 13,427.58 11,799.02 13.80% 13,216.27 11,192.83 18.08% 12,746.11 10,500.00 21.39% 12,307.06 9,820.94 25.31%
Interest Exp. 6,231.33 5,245.50 18.79% 6,196.66 4,896.19 26.56% 5,903.76 4,266.31 38.38% 5,397.71 3,718.39 45.16%
Net Interest Income 7,196.25 6,553.52 9.81% 7,019.61 6,296.64 11.48% 6,842.35 6,233.69 9.76% 6,909.35 6,102.55 13.22%
NIM 4.93 5.22 -5.56% 4.91 5.22 -5.94% 5.02 5.57 -9.87% 5.28 5.75 -8.17%
Other Income 2,622.80 2,297.02 14.18% 2,684.19 2,314.53 15.97% 2,929.04 2,683.26 9.16% 2,978.29 2,186.29 36.23%
Total Income 16,050.38 14,096.04 13.86% 15,900.46 13,507.36 17.72% 15,675.15 13,183.26 18.90% 15,285.35 12,007.23 27.30%
Operating Exp. 4,638.04 4,284.33 8.26% 4,604.55 4,001.06 15.08% 4,517.28 3,967.38 13.86% 4,426.08 3,641.47 21.55%
Operating Profit 5,181.01 4,566.21 13.46% 5,099.25 4,610.11 10.61% 5,254.11 4,949.57 6.15% 5,461.56 4,647.37 17.52%
Provision 794.11 579.14 37.12% 660.39 366.55 80.16% 578.48 364.31 58.79% 263.73 147.57 78.72%
PBT 4,386.90 3,987.07 10.03% 4,438.86 4,243.56 4.60% 8,195.53 4,585.26 78.74% 5,197.83 4,499.80 15.51%
PBTM 32.67 33.79 -3.31% 33.59 37.91 -11.40% 64.30 43.67 47.24% 42.23 45.82 -7.84%
TAX 1,082.10 982.06 10.19% 1,095.14 1,052.59 4.04% 1,945.71 1,132.96 71.74% 1,064.53 1,004.21 6.01%
PAT 3,304.80 3,005.01 9.98% 3,343.72 3,190.97 4.79% 6,249.82 3,452.30 81.03% 4,133.30 3,495.59 18.24%
PATM 24.61% 25.47% 25.30% 28.51% 49.03% 32.88% 33.58% 35.59%
EPS 16.62 15.12 9.92% 16.82 16.06 4.73% 31.44 17.37 81.00% 20.79 17.60 18.12%
Gross NPA 6,266.25 6,301.67 -0.56% 6,033.17 6,087.23 -0.89% 5,477.15 5,909.24 -7.31% 5,274.78 5,768.32 -8.56%
Gross NPA% 1.50 1.73 -13.29% 1.49 1.72 -13.37% 1.39 1.77 -21.47% 1.39 1.78 -21.91%
Net NPA 1,680.98 1,225.26 37.19% 1,723.83 1,274.81 35.22% 1,376.33 1,301.80 5.73% 1,270.57 1,193.30 6.48%
Net NPA% 0.41 0.34 20.59% 0.43 0.37 16.22% 0.35 0.40 -12.50% 0.34 0.37 -8.11%
CASA 42.30 47.70 -11.32% 43.60 48.30 -9.73% 43.40 49.00 -11.43% 45.50 52.80 -13.83%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 16,633.14 14,494.96 14.75% 16,426.97 13,716.56 19.76% 15,836.79 12,868.93 23.06% 15,156.18 11,981.63 26.50%
Interest Exp. 7,170.74 5,985.48 19.80% 7,138.98 5,535.52 28.97% 6,805.25 4,834.08 40.78% 6,212.16 4,229.65 46.87%
Net Interest Income 9,462.40 8,509.48 11.20% 9,287.99 8,181.04 13.53% 9,031.54 8,034.85 12.40% 8,944.02 7,751.98 15.38%
NIM 0.00 0.00 0 4.91 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 7,312.65 9,588.19 -23.73% 10,453.05 7,842.96 33.28% 9,239.08 7,854.98 17.62% 12,751.15 8,784.88 45.15%
Total Income 23,945.79 24,083.15 -0.57% 26,880.02 21,559.52 24.68% 25,075.87 20,723.91 21.00% 27,907.33 20,766.51 34.39%
Operating Exp. 9,540.80 11,822.08 -19.30% 12,203.82 9,681.02 26.06% 11,488.59 9,889.62 16.17% 14,478.10 10,399.80 39.22%
Operating Profit 7,234.25 6,275.59 15.28% 7,537.22 6,342.98 18.83% 6,782.03 6,000.21 13.03% 7,217.07 6,137.06 17.60%
Provision 1,054.17 662.00 59.24% 890.36 454.64 95.84% 774.44 413.78 87.16% 442.05 148.34 198.00%
PBT 6,180.08 5,613.59 10.09% 6,646.86 5,888.34 12.88% 9,810.99 5,586.43 75.62% 6,775.02 5,988.72 13.13%
PBTM 37.16 38.73 -4.05% 40.46 42.93 -5.75% 61.95 43.41 42.71% 44.70 49.98 -10.56%
TAX 1,540.45 1,411.20 9.16% 1,649.08 1,465.48 12.53% 2,411.60 1,477.10 63.27% 1,532.77 1,459.20 5.04%
PAT 4,639.63 4,202.39 10.40% 4,997.78 4,422.86 13.00% 7,399.39 4,109.33 80.06% 5,242.25 4,529.52 15.74%
PATM 27.89% 28.99% 30.42% 32.24% 46.72% 31.93% 34.59% 37.80%
EPS 23.34 21.14 10.41% 25.14 22.25 12.99% 37.22 20.67 80.07% 26.37 22.78 15.76%
Gross NPA 7,218.17 6,981.15 3.40% 6,834.74 6,765.74 1.02% 6,251.42 6,587.43 -5.10% 6,002.53 6,418.67 -6.48%
Gross NPA% 1.51 1.68 -10.12% 1.48 1.69 -12.43% 1.39 1.75 -20.57% 1.38 1.76 -21.59%
Net NPA 2,070.42 1,487.03 39.23% 2,066.51 1,554.90 32.90% 1,688.80 1,579.62 6.91% 1,567.08 1,478.64 5.98%
Net NPA% 0.44 0.36 22.22% 0.45 0.39 15.38% 0.38 0.43 -11.63% 0.36 0.41 -12.20%
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 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 27,967.56 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 4,223.74 Interest Earned 51,697.02 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 9,719.87 Interest Expended 23,729.46 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 5,496.13 Int. income Growth 11.04% 20.61% 28.15% 9.64% 13.63% 20.47% 17.56% 17.30% 17.76% 63.37% Other Income 11,214.32 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 2,028.45 Total Income 62,911.34 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 6,252.19 Total Expenditure 18,185.95 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 3,226.23 Employee Cost - 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 1,466.68 % Of Sales - 15.05% 16.20% 17.06% 14.03% 14.52% 13.33% 14.94% 15.64% 17.19% 15.09% Opt. & Establishment Exp. - 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 1,981.05 % Of Sales - 22.71% 25.40% 24.12% 19.32% 19.72% 19.67% 19.13% 17.74% 17.96% 20.38% Provisions - 1,573.74 456.99 689.56 2,459.03 2,216.17 962.39 939.95 836.74 917.37 164.50 % Of Sales - 3.44% 1.33% 2.55% 9.16% 8.23% 4.03% 4.76% 4.73% 5.60% 1.69% EBITDA 20,995.93 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 3,025.96 EBITDA Margin 64.82% 71.67% 68.92% 69.82% 63.04% 60.57% 69.18% 68.41% 66.93% 49.43% 71.64% Depreciation 0.00 614.79 461.73 380.99 366.77 371.95 366.92 302.69 290.66 287.38 193.00 PBT 22,219.12 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 2,832.96 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 5,187.48 4,232.13 3,451.69 2,788.62 2,338.15 1,857.49 2,520.46 2,133.92 1,736.57 1,033.94 966.98 Tax Rate 23.35% 23.49% 23.99% 24.54% 25.13% 23.80% 34.13% 34.32% 33.73% 33.10% 34.13% PAT 17,031.64 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 1,865.98 PAT before Minority Interest 17,031.64 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 1,865.98 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 43.47% 38.00% 38.20% 37.59% 34.23% 31.51% 30.67% 30.07% 29.40% 21.97% 29.85% PAT Growth 29.58% 25.98% 27.61% 23.09% 17.11% 22.24% 19.12% 19.72% 63.25% 11.99% EPS 85.66 69.32 55.02 43.12 35.03 29.91 24.47 20.54 17.16 10.51 9.39

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 36,725.95 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 6,352.79 Interest Earned 64,053.08 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 13,318.89 Interest Expended 27,327.13 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 6,966.10 Int. income Growth 13.08% 21.38% 25.03% 11.76% 12.97% 20.00% 15.64% 16.54% 17.11% 46.06% Other Income 39,755.93 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 8,152.20 Total Income 1,03,809.01 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 14,504.99 Total Expenditure 47,711.31 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 9,718.12 Employee Cost - 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 2,375.46 % Of Sales - 18.40% 20.12% 21.16% 17.84% 17.20% 16.26% 17.43% 17.84% 18.89% 17.84% Opt. & Establishment Exp. - 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 7,610.70 % Of Sales - 64.58% 61.13% 70.39% 67.11% 45.39% 49.54% 48.41% 47.60% 36.20% 57.14% Provisions - 1,972.47 439.68 770.50 2,852.43 2,558.10 1,045.37 1,024.74 948.92 991.57 205.74 % Of Sales - 3.51% 1.04% 2.28% 8.69% 7.64% 3.50% 4.08% 4.25% 4.86% 1.54% EBITDA 28,770.57 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 4,786.87 EBITDA Margin 25.51% 73.23% 72.98% 74.05% 68.65% 67.64% 75.35% 75.34% 70.80% 57.86% 75.35% Depreciation 0.00 791.75 599.26 480.35 461.05 464.89 458.42 383.43 362.21 344.51 236.89 PBT 29,412.95 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 4,549.98 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 7,133.90 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 1,484.90 Tax Rate 24.25% 24.67% 24.77% 25.18% 24.80% 24.64% 32.68% 32.88% 32.50% 31.70% 32.64% PAT 22,279.05 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 3,005.57 PAT before Minority Interest 22,279.05 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 3,065.08 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -56.67 -78.83 -65.19 -59.51 PAT Margin 29.13% 25.07% 27.51% 25.32% 22.80% 24.97% 23.12% 23.12% 21.62% 19.91% 20.72% PAT Growth 29.05% 21.63% 23.87% 20.49% 15.06% 20.89% 16.90% 25.05% 44.69% 11.99% EPS 112.06 90.42 74.34 60.01 49.81 43.29 35.81 30.63 24.50 16.93 15.12

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 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 14,144.08 Share Capital 993.96 1,493.28 1,492.33 1,490.92 1,456.52 1,454.38 952.82 920.45 917.19 386.18 Total Reserves 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 13,754.91 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 74,860.31 Borrowings 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 12,149.71 Other Liabilities & Provisions 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 4,857.97 Total Liabilities 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 1,06,012.07 Net Block 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 1,206.71 Gross Block 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 2,145.81 Accumulated Depreciation 2,944.94 2,546.41 2,443.75 2,250.85 2,053.16 1,984.98 2,200.88 2,155.11 1,904.26 939.11 Total Non-Current Assets 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 1,02,288.89 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 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 3,928.30 Balance with banks and money at call 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 2,334.06 Investments 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 28,659.11 Advances 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 66,160.71 Other Assets 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 3,723.19 Total Assets 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 1,06,012.08 Contingent Liabilities 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 63,672.16 Bills for collection 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 4,419.99 Adjusted Book Value 486.13 417.61 362.56 319.03 253.60 222.13 196.69 150.01 130.61 91.55

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 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 22,156.31 Share Capital 993.96 1,493.28 1,492.33 1,490.92 1,456.52 1,454.38 952.82 920.45 917.19 386.18 Total Reserves 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 21,767.14 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 474.43 395.60 335.69 Deposits 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 72,843.46 Borrowings 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 31,414.88 Other Liabilities & Provisions 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 21,825.42 Total Liabilities 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 1,48,575.76 Net Block 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 1,384.97 Gross Block 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 2,675.00 Accumulated Depreciation 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 1,290.03 Total Non-Current Assets 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 1,42,509.51 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 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 3,945.12 Balance with banks and money at call 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 2,958.32 Investments 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 45,588.89 Advances 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 88,632.21 Other Assets 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 6,066.25 Total Assets 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 1,48,575.76 Contingent Liabilities 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 66,447.09 Bills for collection 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 4,419.99 Adjusted Book Value 653.41 562.55 486.90 425.55 348.32 302.71 264.93 209.09 181.86 143.32

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 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 4,463.19 PBT 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 2,832.96 Adjustment 781.59 1,440.04 2,312.68 3,637.29 2,826.51 1,535.38 1,470.71 1,339.98 1,342.82 413.10 Adjustments for Liabilities & Assets -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 2,130.15 Refund/(Payment) of direct taxes -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 -913.02 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 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 -3,453.79 Net Fixed Assets -633.50 -379.28 -301.34 -109.83 -39.76 91.51 -35.30 -236.89 -1310.04 -268.30 Other Investment Activity -4609.38 -5801.66 -5856.56 -11240.18 -2878.18 -6152.03 -6699.88 -10055.75 -6909.64 -2694.87 Cash from Financing Activity 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 -726.93 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow 20,236.73 -10,420.22 3,282.48 -13,653.30 28,588.29 5,043.46 -2,953.19 11,696.60 -1,693.19 282.47 Opening Cash & Equivalents 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 5,979.89

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 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 2,301.72 PBT 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 4,549.98 Adjustment -4,343.90 2,152.34 122.16 -1,268.57 3,967.80 548.67 645.31 -524.95 1,450.66 -1,906.24 Adjustments for Liabilities & Assets 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 1,076.28 Refund/(Payment) of direct taxes -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 -1,418.30 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 -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 -4,467.08 Net Fixed Assets -633.50 -379.28 -301.34 -109.83 -39.76 91.51 -35.30 -236.89 -1310.04 -268.30 Other Investment Activity -15650.42 -15436.00 -15203.60 -16984.99 -7058.85 -9244.78 -8996.13 -12355.13 -7922.93 -3275.38 Cash from Financing Activity 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 2,425.69 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow 22,103.18 -9,909.60 4,882.51 -16,307.05 32,684.96 6,804.42 -1,321.25 14,009.68 -1,613.40 260.34 Opening Cash & Equivalents 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 6,643.11

Financial Ratios

Consolidated /

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 486.13 417.61 362.56 319.03 253.60 222.13 196.69 150.01 130.61 91.55 NIM 4.45 4.55 4.05 4.16 3.88 3.72 3.75 3.99 3.82 4.18 Yield on Advances 12.18 10.71 9.97 12.00 12.25 11.61 11.64 13.01 13.81 14.69 Yield on Investments 5.37 4.70 6.65 6.76 7.65 6.94 6.42 9.15 7.16 8.54 Cost of Liabilities 4.15 3.29 3.03 3.79 4.46 4.91 4.69 5.36 5.94 6.32 Interest Spread 8.03 7.42 6.94 8.21 7.79 6.70 6.95 7.64 7.87 8.37 ROCE 16.80% 14.89% 13.20% 12.26% 11.31% 13.15% 13.47% 13.85% 13.32% 14.57% Cost Income Ratio 45.99 48.15 47.15 42.19 46.90 47.37 47.30 48.42 57.52 52.06 Core Cost Income Ratio 47.19 46.56 45.30 41.82 48.13 47.59 48.06 50.34 58.84 54.82 Operating Costs to Assets 2.78 2.81 2.50 2.24 2.46 2.41 2.43 2.62 2.85 3.07 Loans/Deposits 0.06 0.06 0.08 0.08 0.14 0.14 0.13 0.13 0.15 0.16 Cash/Deposits 0.08 0.06 0.12 0.04 0.04 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.35 0.33 0.32 0.38 0.29 0.32 0.34 0.29 0.37 0.38 Inc Loan/Deposits 6.32% 6.45% 8.33% 8.44% 14.46% 14.28% 13.06% 13.40% 15.13% 16.23% Credit Deposits 83.77% 88.09% 87.03% 79.85% 83.61% 91.06% 88.10% 86.44% 85.59% 88.38% Interest Expended / Interest earned 43.24% 37.08% 37.80% 42.85% 49.87% 53.09% 51.73% 54.09% 57.88% 56.55% Interest income / Total funds 7.63% 6.99% 6.30% 7.00% 7.48% 7.65% 7.45% 8.25% 8.52% 9.17% Interest Expended / Total funds 3.30% 2.59% 2.38% 3.00% 3.73% 4.06% 3.86% 4.46% 4.93% 5.18% CASA 45.51% 52.83% 60.68% 60.45% 56.17% 52.50% 50.75% 44.00% 38.07% 36.36%

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 653.41 562.55 486.90 425.55 348.32 302.71 264.93 209.09 181.86 143.32 NIM 4.54 4.64 4.25 4.35 4.13 3.87 3.94 4.16 4.09 4.50 Yield on Advances 13.07 11.74 11.08 13.01 13.40 12.25 12.20 13.36 14.09 15.03 Yield on Investments 6.52 5.53 7.03 7.04 7.98 7.07 7.01 8.94 7.29 10.38 Cost of Liabilities 4.34 3.45 3.16 3.97 4.88 5.21 4.99 5.58 6.19 6.68 Interest Spread 8.73 8.29 7.92 9.04 8.52 7.04 7.21 7.78 7.90 8.35 ROCE 15.06% 13.86% 12.79% 12.10% 11.88% 12.66% 12.95% 12.98% 13.01% 14.00% Cost Income Ratio 63.97 62.62 64.52 63.12 59.44 62.26 61.35 63.24 64.43 67.21 Core Cost Income Ratio 71.35 62.04 66.93 71.28 58.33 64.81 63.81 69.64 64.72 80.80 Operating Costs to Assets 5.98 5.42 5.56 5.73 4.62 4.85 4.79 5.16 4.52 6.56 Loans/Deposits 0.17 0.16 0.18 0.17 0.25 0.30 0.31 0.32 0.32 0.43 Cash/Deposits 0.08 0.06 0.12 0.04 0.04 0.05 0.05 0.05 0.05 0.05 Investment/Deposits 0.55 0.54 0.53 0.56 0.43 0.46 0.48 0.44 0.52 0.63 Inc Loan/Deposits 16.87% 15.79% 17.79% 17.12% 25.18% 29.55% 30.64% 31.95% 32.17% 43.13% Credit Deposits 96.65% 99.40% 98.19% 90.43% 95.96% 108.29% 107.72% 107.45% 106.51% 121.67% Interest Expended / Interest earned 40.13% 34.19% 34.24% 39.51% 47.50% 50.91% 49.61% 51.32% 54.52% 52.30% Interest income / Total funds 7.33% 6.79% 6.17% 6.85% 7.55% 7.55% 7.44% 8.08% 8.47% 8.96% Interest Expended / Total funds 2.94% 2.32% 2.11% 2.71% 3.59% 3.84% 3.69% 4.15% 4.62% 4.69% CASA 45.48% 52.78% 60.63% 60.47% 56.36% 52.47% 50.85% 44.34% 38.66% 37.13%

Top Investors:

life insurance corporation of india

sbi mutual fund

hdfc mutual fund

invesco developing markets fund

sumitomo mitsui banking corporation

uti mutual fund

icici prudential mutual fund

caladium investment pte ltd

canada pension plan investment board

europacific growth fund

Annual Reports:

News Update:

Kotak Mahindra Bank reports 10% rise in Q3 consolidated net profit
18th Jan 2025, 15:32 PM

Total consolidated income of the bank decreased by 0.57% at Rs 23945.79 crore for Q3FY25
Read More
Kotak Mahindra Bank’s Q2 consolidated net profit surges 13% to Rs 5,044 crore
19th Oct 2024, 14:57 PM

Total consolidated income of the Bank increased by 24.68% at Rs 26,880.02 crore for Q2FY25
Read More
Kotak Mahindra Bank - Quarterly Results
19th Oct 2024, 12:13 PM

Read More
Kotak Mahindra Bank to acquire personal loan book of Standard Chartered Bank
18th Oct 2024, 17:15 PM

This acquisition aligns with KMBL’s strategy to transform for scale and focus on customer-centric growth
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 (%)

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 /

Financial Ratios

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 /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: