Kotak Mahindra Bank Limited has informed the Exchange about Investor Presentation for Earnings Conference Call on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter ended June 30, 2025
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Kotak Mahindra Bank reported its Q1FY26 results with consolidated PAT of ₹4,472 cr, largely flat YoY, but standalone bank PAT fell 7% YoY to ₹3,282 cr. Net Interest Margin (NIM) compressed sharply to 4.65% from 5.02% a year ago, and the CASA ratio dropped to 40.9% from 43.4%. Provisions surged over 100% YoY, and credit cost rose to 0.93% from 0.55%, with fresh slippages increasing to ₹1,812 cr. Asset quality remained stable with NNPA at 0.34%, and the bank maintained strong capital ratios (CAR 23.0%, CET-1 21.8%). Group AUM grew 18% YoY to ₹7.5 lakh cr, supported by strong performances in AMC (PAT up 86% YoY), Securities, and Life Insurance subsidiaries.
The 7% YoY decline in standalone PAT, NIM compression of 37 basis points, and rising credit costs may weigh on investor sentiment in the near term. However, healthy capital ratios, diversified group earnings, and 17% YoY growth in book value provide a cushion for longer-term shareholders.