Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
25,962.38
21,692.83
15,431.30
13,076.06
13,732.15
13,389.33
12,652.60
Income On Investments
5,364.09
4,155.87
2,927.94
3,420.20
3,293.25
2,633.36
2,534.12
Interest On Balances With Rbi Other Inter Bank Funds
496.27
379.37
340.81
346.79
644.11
139.32
208.92
Interest / Discount On Advances / Bills
19,911.99
16,974.54
12,054.34
9,192.62
9,670.77
10,463.58
9,743.87
Others
190.03
183.05
108.21
116.45
124.02
153.07
165.69
Other Income
9,133.13
4,997.79
2,948.44
3,164.37
2,211.78
2,541.29
2,234.17
Total Income
35,095.51
26,690.62
18,379.74
16,240.43
15,943.93
15,930.62
14,886.77
Interest Expended
12,100.42
9,162.50
5,634.85
5,113.85
6,110.85
6,878.85
6,665.65
Net Interest Income
13,861.96
12,530.33
9,796.45
7,962.21
7,621.30
6,510.48
5,986.95
Total Expenditure (Excl Depreciation)
9,121.83
7,968.44
6,394.12
5,116.61
3,941.43
4,144.29
4,000.45
Employee Cost
3,821.89
3,281.61
2,587.58
2,259.71
1,900.95
1,816.52
1,693.73
Other Operating Expenses
5,299.94
4,686.83
3,806.54
2,856.90
2,040.48
2,327.77
2,306.72
Operating Profit Before Provisions and Contingencies
10,353.36
9,559.68
6,350.77
6,009.97
5,891.65
4,907.48
4,220.67
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
1,238.87
730.86
160.59
1,127.51
1,301.05
724.69
138.96
Profit Before Tax
12,634.39
8,828.82
6,190.18
4,882.46
4,590.60
4,182.79
4,081.71
Tax
3,040.85
2,185.55
1,538.35
1,208.53
1,161.67
1,098.11
1,382.98
Profit After Tax
9,593.54
6,643.27
4,651.83
3,673.93
3,428.93
3,084.68
2,698.73
Extraordinary Items
2,672.73
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
6,920.81
6,643.27
4,651.83
3,673.93
3,428.93
3,084.68
2,698.73
Face Value
5.0
5.0
5.0
5.0
5.0
5.0
5.0
Reserves
0.00
0.00
0.00
0.00
58,433.29
0.00
0.00
Earnings per share (EPS)
48.25
33.43
23.43
18.53
17.32
16.15
14.14
Diluted Earnings per share
30.55
33.43
23.43
18.52
17.51
16.13
0.0
Operating Profit Margin (Excl OI)
60.09%
59.9%
57.52%
52.25%
61.82%
63.64%
67.28%
Gross Profit Margin
48.66%
40.7%
40.11%
37.34%
33.43%
31.24%
84.94%
PAT Margin
36.95%
30.62%
30.15%
28.1%
24.97%
23.04%
21.33%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
1.59%
1.31%
1.09%
0.95%
0.93%
0.99%
0.0%
CASA (%)
43.6%
48.3%
56.2%
60.6%
57.1%
53.6%
0.0%
CASA Amount
1,86,676.00
1,80,318.00
1,82,610.00
1,76,759.00
1,49,444.00
1,24,912.00
0.00
Capital Adequacy Ratio (Total)
22.6%
21.7%
21.24%
21.76%
22.05%
18.15%
0.0%
Capital Adequacy Ratio (Tier 1)
21.5%
20.6%
20.1%
20.7%
21.4%
17.6%
0.0%
Provision Coverage Ratio (%)
71.0%
79.0%
73.7%
67.0%
75.6%
64.0%
0.0%
Amount of Gross NPAs
6,033.17
6,087.23
6,210.23
7,657.96
5,335.95
5,033.55
4,467.94
Amount of Net NPAs
1,723.83
1,274.81
1,630.37
2,491.44
1,303.78
1,811.40
1,544.37
% of Net NPAs
0.43%
0.37%
0.55%
1.06%
0.64%
0.85%
0.75%
% of Gross NPAs
1.49%
1.72%
2.08%
3.19%
2.55%
2.32%
2.14%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
3329.0
3170.0
2802.0
2601.0
2550.0
2429.0
0.0
Number of Branches
2013.0
1850.0
1710.0
1622.0
1602.0
1512.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 19.68% vs 40.58% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 4.18% vs 42.81% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 8.30% vs 50.53% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is 0.06% vs -0.18% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -0.23% vs -0.36% in Sep 2023
Compare Half Yearly Results Of Kotak Mah. Bank With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
25,962.38
79,533.16
-53,570.78
-67.36%
Income On Investments
5,364.09
16,467.91
-11,103.82
-67.43%
Interest On Balances With Rbi Other Inter Bank Funds
496.27
960.11
-463.84
-48.31%
Interest / Discount On Advances / Bills
19,911.99
61,534.99
-41,623.00
-67.64%
Others
190.03
570.15
-380.12
-66.67%
Other Income
9,133.13
14,178.58
-5,045.45
-35.59%
Total Income
35,095.51
93,711.74
-58,616.23
-62.55%
Interest Expended
12,100.42
39,932.27
-27,831.85
-69.7%
Net Interest Income
13,861.96
39,600.89
-25,738.93
-65.0%
Total Expenditure (Excl Depreciation)
9,121.83
21,031.45
-11,909.62
-56.63%
Employee Cost
3,821.89
8,506.65
-4,684.76
-55.07%
Other Operating Expenses
5,299.94
12,524.80
-7,224.86
-57.68%
Operating Profit Before Provisions and Contingencies
10,353.36
32,748.02
-22,394.66
-68.38%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
1,238.87
2,565.27
-1,326.40
-51.71%
Profit Before Tax
12,634.39
30,182.75
-17,548.36
-58.14%
Tax
3,040.85
7,377.76
-4,336.91
-58.78%
Profit After Tax
9,593.54
22,804.99
-13,211.45
-57.93%
Extraordinary Items
2,672.73
0.00
2,672.73
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
6,920.81
22,804.99
-15,884.18
-69.65%
Face Value
5.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
48.25
32.36
15.89
49.1%
Diluted Earnings per share
30.55
31.86
-1.31
-4.11%
Operating Profit Margin (Excl OI)
60.09%
70.33%
0.00
-10.24%
Gross Profit Margin
48.66%
37.95%
0.00
10.71%
PAT Margin
36.95%
28.67%
0.00
8.28%
Net Interest Margin
0.00%
4.31%
-4.31
-4.31%
Return on Assets
1.59%
0.00%
1.59
1.59%
CASA (%)
43.60%
38.90%
4.70
4.70%
CASA Amount
1,86,676.00
6,08,723.00
-4,22,047.00
-69.33%
Capital Adequacy Ratio (Total)
22.60%
15.35%
7.25
7.25%
Capital Adequacy Ratio (Tier 1)
21.50%
14.65%
6.85
6.85%
Provision Coverage Ratio (%)
71.00%
78.50%
-7.50
-7.50%
Amount of Gross NPAs
6,033.17
27,121.15
-21,087.98
-77.75%
Amount of Net NPAs
1,723.83
5,685.14
-3,961.31
-69.68%
% of Net NPAs
0.43%
0.42%
0.01
0.01%
% of Gross NPAs
1.49%
1.97%
-0.48
-0.48%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
3,329.00
16,120.00
-12,791.00
-79.35%
Number of Branches
2,013.00
66.00
1,947.00
2950.0%
Half Yearly - Interest Earned
Interest Earned 25962.38 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 19.68% vs 40.58% in Sep 2023
Half Yearly - Net Profit
Net Profit 6,920.81 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 4.18% vs 42.81% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 10,353.36 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 8.30% vs 50.53% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.43%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is 0.06% vs -0.18% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.49%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.23% vs -0.36% in Sep 2023