INTEGRATED FILING — BANKING



General information about company

Scrip code 500247
NSE Symbol KOTAKBANK
MSEI Symbol NOTLISTED
ISIN INE237A01028
Name of bank KOTAK MAHINDRA BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 26-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 07-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 26-Jul-2025   10:15:00
End date and time of board meeting 26-Jul-2025   12:55:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 123514000000 123514000000
Income on investments 42680800000 42680800000
Interest on balances with reserve bank of India and other inter bank funds 4709000000 4709000000
Others 1579300000 1579300000
Total interest earned 172483100000 172483100000
2 Other income 94556100000 94556100000
3 Total income 267039200000 267039200000
Expenses
4 Interest expenses 75293300000 75293300000
5 Operating expenses
(i) Employees cost 31102000000 31102000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Policy holders’ reserves, surrender expense and claims (insurance business) 51599400000 51599400000
2 Other operating expenses 35298800000 35298800000
Total other operating Expenses 86898200000 86898200000
Total Operating Expenses 118000200000 118000200000
6 Total expenditure excluding provisions and contingencies 193293500000 193293500000
7 Operating profit before provision and contingencies 73745700000 73745700000
8 Provisions other than tax and contingencies 13211700000 13211700000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 60534000000 60534000000
11 Provision for Tax 16242700000 16242700000
12 Net profit (loss) from ordinary activities after tax 44291300000 44291300000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 44291300000 44291300000
15 Share of profit (loss) of associates 430500000 430500000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 44721800000 44721800000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 9941600000 9941600000
Face value of equity share capital 5 5
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 22.7 22.7
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 22.49 22.49
Diluted earnings per share before extraordinary items 22.49 22.49
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 22.49 22.49
Diluted earnings per share after extraordinary items 22.49 22.49
(iv) NPA Ratios
Amount of gross non-performing assets 77262900000 77262900000
Amount of net non-performing assets 19801800000 19801800000
% of gross NPAs 1.5 1.5
% of net NPAs 0.39 0.39
Return on assets 0.51 0.51
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury, BMU and Corporate Centre 37082400000 37082400000
2 Retail Banking 86505500000 86505500000
3 Corporate / Wholesale Banking 62670600000 62670600000
4 Vehicle Financing 10854500000 10854500000
5 Other Lending Activities 5364300000 5364300000
6 Broking 10905900000 10905900000
7 Advisory and Transactional Services 2242700000 2242700000
8 Asset Management 8664900000 8664900000
9 Insurance 64697400000 64697400000
Total Segment Revenue 288988200000 288988200000
Less: Inter segment revenue 21949000000
Income from operations 267039200000 267039200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury, BMU and Corporate Centre 13231800000 13231800000
2 Retail Banking 10802000000 10802000000
3 Corporate / Wholesale Banking 18780700000 18780700000
4 Vehicle Financing 2076900000 2076900000
5 Other Lending Activities 1692400000 1692400000
6 Broking 3457300000 3457300000
7 Advisory and Transactional Services 236600000 236600000
8 Asset Management 5775500000 5775500000
9 Insurance 4480800000 4480800000
Total Profit before tax 60534000000 60534000000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 60534000000 60534000000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury, BMU and Corporate Centre 2114504300000 2114504300000
2 Retail Banking 4527607300000 4527607300000
3 Corporate / Wholesale Banking 2774618400000 2774618400000
4 Vehicle Financing 297992100000 297992100000
5 Other Lending Activities 271809000000 271809000000
6 Broking 272258900000 272258900000
7 Advisory and Transactional Services 12707900000 12707900000
8 Asset Management 85997600000 85997600000
9 Insurance 975143500000 975143500000
10 Treasury, BMU and Corporate Centre 2114504300000 2114504300000
11 Retail Banking 4527607300000 4527607300000
12 Corporate / Wholesale Banking 2774618400000 2774618400000
13 Vehicle Financing 297992100000 297992100000
14 Other Lending Activities 271809000000 271809000000
15 Broking 272258900000 272258900000
16 Advisory and Transactional Services 12707900000 12707900000
17 Asset Management 85997600000 85997600000
18 Insurance 975143500000 975143500000
Total Segment Assets 11332639000000 11332639000000
Un-allocable Assets -2450749200000 -2450749200000
Net Segment Assets 8881889800000 8881889800000
4 Segment Liabilities
Segment Liabilities
1 Treasury, BMU and Corporate Centre 1602756100000 1602756100000
2 Retail Banking 4042132800000 4042132800000
3 Corporate / Wholesale Banking 2478777500000 2478777500000
4 Vehicle Financing 187740100000 187740100000
5 Other Lending Activities 205925700000 205925700000
6 Broking 239427100000 239427100000
7 Advisory and Transactional Services 2201800000 2201800000
8 Asset Management 6587900000 6587900000
9 Insurance 898946400000 898946400000
10 Treasury, BMU and Corporate Centre 1602756100000 1602756100000
11 Retail Banking 4042132800000 4042132800000
12 Corporate / Wholesale Banking 2478777500000 2478777500000
13 Vehicle Financing 187740100000 187740100000
14 Other Lending Activities 205925700000 205925700000
15 Broking 239427100000 239427100000
16 Advisory and Transactional Services 2201800000 2201800000
17 Asset Management 6587900000 6587900000
18 Insurance 898946400000 898946400000
Total Segment Liabilities 9664495400000 9664495400000
Un-allocable Liabilities -782605600000 -782605600000
Net Segment Liabilities 8881889800000 8881889800000
Disclosure of notes on segments