Kotak Mah. Bank

Part of MojoOne Strategy

Market Cap: Large Cap
Industry: Bank - Private
ISIN: INE237A01028
NSEID: KOTAKBANK
BSEID: 500247

INR

2,120.35

67.3 (3.28%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 33.56 lacs

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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

13,427.58

13,216.27

12,746.11

12,307.06

11,799.02

11,192.83

10,500.00

Income On Investments

2,721.46

2,771.91

2,592.18

2,466.42

2,275.79

2,148.47

2,007.40

Interest On Balances With Rbi Other Inter Bank Funds

244.97

224.47

271.80

160.13

239.88

273.55

105.82

Interest / Discount On Advances / Bills

10,348.96

10,132.72

9,779.27

9,473.58

9,209.87

8,676.30

8,298.24

Others

112.19

87.17

102.86

206.93

73.48

94.51

88.54

Other Income

2,622.80

2,684.19

6,448.94

2,978.29

2,297.02

2,314.53

2,683.26

Total Income

16,050.38

15,900.46

19,195.05

15,285.35

14,096.04

13,507.36

13,183.26

Interest Expended

6,231.33

6,196.66

5,903.76

5,397.71

5,245.50

4,896.19

4,266.31

Net Interest Income

7,196.25

7,019.61

6,842.35

6,909.35

6,553.52

6,296.64

6,233.69

Total Expenditure (Excl Depreciation)

4,638.04

4,604.55

4,517.28

4,426.08

4,284.33

4,001.06

3,967.38

Employee Cost

1,952.48

1,951.39

1,870.50

1,826.42

1,748.34

1,634.61

1,647.00

Other Operating Expenses

2,685.56

2,653.16

2,646.78

2,599.66

2,535.99

2,366.45

2,320.38

Operating Profit Before Provisions and Contingencies

5,181.01

5,099.25

5,254.11

5,461.56

4,566.21

4,610.11

4,949.57

Exceptional Items

0.00

Provisions and contingencies

794.11

660.39

578.48

263.73

579.14

366.55

364.31

Profit Before Tax

4,386.90

4,438.86

8,195.53

5,197.83

3,987.07

4,243.56

4,585.26

Tax

1,082.10

1,095.14

1,945.71

1,064.53

982.06

1,052.59

1,132.96

Profit After Tax

3,304.80

3,343.72

6,249.82

4,133.30

3,005.01

3,190.97

3,452.30

Extraordinary Items

0.00

2,684.24

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

3,304.80

3,343.72

3,565.58

4,133.30

3,005.01

3,190.97

3,452.30

Face Value

5.0

Reserves

0.00

Earnings per share (EPS)

16.62

16.82

31.44

20.79

15.12

16.06

17.37

Diluted Earnings per share

16.62

16.82

13.73

20.6

15.12

16.05

17.38

Operating Profit Margin (Excl OI)

59.54%

60.16%

60.02%

61.89%

58.78%

60.98%

58.75%

Gross Profit Margin

32.67%

33.59%

64.3%

42.23%

33.79%

37.91%

43.67%

PAT Margin

24.61%

25.3%

49.03%

33.58%

25.47%

28.51%

32.88%

Net Interest Margin

4.93%

4.91%

5.02%

5.28%

5.22%

5.57%

Return on Assets

0.53%

0.55%

1.05%

0.74%

0.55%

0.62%

0.7%

CASA (%)

42.3%

43.6%

43.4%

45.5%

47.7%

48.3%

49.0%

CASA Amount

2,00,411.00

2,01,274.00

1,94,222.00

2,04,304.00

1,95,049.00

1,80,318.00

1,89,289.00

Capital Adequacy Ratio (Total)

22.79%

22.6%

22.41%

20.55%

21.2%

21.7%

21.12%

Capital Adequacy Ratio (Tier 1)

21.7%

21.5%

21.3%

19.2%

20.1%

20.6%

20.9%

Provision Coverage Ratio (%)

73.0%

71.0%

75.0%

75.9%

81.0%

79.0%

78.0%

Amount of Gross NPAs

6,266.25

6,033.17

5,477.15

5,274.78

6,301.67

6,087.23

5,909.24

Amount of Net NPAs

1,680.98

1,723.83

1,376.33

1,270.57

1,225.26

1,274.81

1,301.80

% of Net NPAs

0.41%

0.43%

0.35%

0.34%

0.37%

0.4%

% of Gross NPAs

1.5%

1.49%

1.39%

1.73%

1.72%

1.77%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

3337.0

3329.0

3279.0

3291.0

3239.0

3170.0

3047.0

Number of Branches

2068.0

2013.0

1965.0

1948.0

1869.0

1850.0

1788.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 1.6% vs 3.69% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is -1.16% vs -6.22% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is 1.60% vs -2.95% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.02% vs 0.08% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is 0.01% vs 0.10% in Sep 2024

Compare Quarterly Results Of Kotak Mah. Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

13,427.58

41,299.82

-27,872.24

-67.49%

Income On Investments

2,721.46

8,302.14

-5,580.68

-67.22%

Interest On Balances With Rbi Other Inter Bank Funds

244.97

489.59

-244.62

-49.96%

Interest / Discount On Advances / Bills

10,348.96

32,048.40

-21,699.44

-67.71%

Others

112.19

459.69

-347.50

-75.59%

Other Income

2,622.80

7,068.05

-4,445.25

-62.89%

Total Income

16,050.38

48,367.87

-32,317.49

-66.82%

Interest Expended

6,231.33

20,929.21

-14,697.88

-70.23%

Net Interest Income

7,196.25

20,370.61

-13,174.36

-64.67%

Total Expenditure (Excl Depreciation)

4,638.04

10,552.11

-5,914.07

-56.05%

Employee Cost

1,952.48

3,929.05

-1,976.57

-50.31%

Other Operating Expenses

2,685.56

6,623.06

-3,937.50

-59.45%

Operating Profit Before Provisions and Contingencies

5,181.01

16,886.55

-11,705.54

-69.32%

Exceptional Items

0.00

Provisions and contingencies

794.11

1,226.65

-432.54

-35.26%

Profit Before Tax

4,386.90

15,659.90

-11,273.00

-71.99%

Tax

1,082.10

3,867.48

-2,785.38

-72.02%

Profit After Tax

3,304.80

11,792.42

-8,487.62

-71.98%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

3,304.80

11,792.42

-8,487.62

-71.98%

Face Value

5.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

16.62

16.70

-0.08

-0.48%

Diluted Earnings per share

16.62

16.45

0.17

1.03%

Operating Profit Margin (Excl OI)

59.54%

71.48%

0.00

-11.94%

Gross Profit Margin

32.67%

37.92%

0.00

-5.25%

PAT Margin

24.61%

28.55%

0.00

-3.94%

Net Interest Margin

4.93%

4.25%

0.68

0.68%

Return on Assets

0.53%

0.00%

0.53

0.53%

CASA (%)

42.30%

39.00%

3.30

3.30%

CASA Amount

2,00,411.00

6,15,586.00

-4,15,175.00

-67.44%

Capital Adequacy Ratio (Total)

22.79%

14.71%

8.08

8.08%

Capital Adequacy Ratio (Tier 1)

21.70%

14.04%

7.66

7.66%

Provision Coverage Ratio (%)

73.00%

78.20%

-5.20

-5.20%

Amount of Gross NPAs

6,266.25

27,745.33

-21,479.08

-77.42%

Amount of Net NPAs

1,680.98

5,897.76

-4,216.78

-71.5%

% of Net NPAs

0.41%

0.42%

-0.01

-0.01%

% of Gross NPAs

1.50%

1.96%

-0.46

-0.46%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

3,337.00

16,277.00

-12,940.00

-79.5%

Number of Branches

2,068.00

6,742.00

-4,674.00

-69.33%

Quarterly - Interest Earned

Interest Earned 13427.58 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 1.6% vs 3.69% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 13.8% vs 31.12% in Dec 2023

Quarterly - Net Profit

Net Profit 3,304.80 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -1.16% vs -6.22% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 9.98% vs 7.63% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 5,181.01 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 1.60% vs -2.95% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 13.46% vs 18.61% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.41%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.02% vs 0.08% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 0.07% vs -0.09% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 1.50%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.01% vs 0.10% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.23% vs -0.17% in Dec 2023