Kotak Mahindra Bank Limited has informed the Exchange about Updated Investor Presentation in connection with the Audited Financial Results of the Bank for the financial year ended on March 31, 2025
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Awaiting price reaction for this filing.
Kotak Mahindra Bank submitted an updated Q4FY25/FY25 investor presentation, correcting a unit typo on book value per share (now shown as ₹792, up 21% YoY). Standalone bank FY25 PAT rose 19% YoY to ₹16,450 cr, helped by a one-time ₹2,730 cr gain from the Zurich Kotak General Insurance divestment; excluding this, underlying bank PAT was flat YoY at ₹13,720 cr. Core profitability was softer, with bank NIM compressing to 4.96% from 5.32% and ROA falling to 2.21% from 2.61%, though cost-to-income improved to 43.4%. Consolidated FY25 PAT excluding the divestment gain grew 5% to ₹19,113 cr, with subsidiaries — especially AMC & Trustee (+86%), Capital Markets (+39%) and Alternate Assets (+137%) — doing the heavy lifting. Average advances grew 18% YoY and deposits 16% YoY, asset quality remained stable with NNPA at 0.31%, and the bank added 200 branches to reach 2,148.
Underlying standalone bank performance was weak (flat profit, margin compression, lower ROA), which may weigh on the stock, but strong subsidiary growth, stable asset quality, and a large one-time insurance divestment gain cushion the headline numbers. Investors will likely focus on whether NIMs and fee income can recover in FY26 as deposit costs normalize.