Investor Presentation for the Earnings Conference Call on the Consolidated and Standalone Audited Financial Results of the Bank for the Financial Year ended March 31, 2026
KOTAKBANK · price
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Kotak Mahindra Bank reported standalone PAT of ₹4,027 crore in Q4FY26, up 13% YoY, while consolidated PAT grew 6% YoY to ₹5,238 crore. For full year FY26, consolidated PAT stood at ₹19,103 crore (flat YoY), though excluding the ₹185 crore gain from Infina divestment, underlying PAT grew 10%. The bank saw strong deposit growth of 15% YoY to ₹572,456 crore and customer assets growth of 14% to ₹545,716 crore. Asset quality improved significantly with Net NPA declining to 0.25% from 0.31%, and credit cost dropping to 0.39% from 0.64% QoQ. However, NIM compressed to 4.67% from 4.97% in Q4FY25, reflecting margin pressure. CAR remained robust at 21.3% with CET-I at 21.3%.
Solid execution with improving asset quality and strong deposit growth offsets margin compression. The Infina divestment gain provides one-time boost, but underlying business shows steady performance. Strong capital ratios provide room for future growth.