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-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 03-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 15-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 03-May-2025   10:30:00
End date and time of board meeting 03-May-2025   13:55:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 121560800000 473081000000
Income on investments 40603000000 159903200000
Interest on balances with reserve bank of India and other inter bank funds 3862500000 18141200000
Others 1693000000 5562900000
Total interest earned 167719300000 656688300000
2 Other income 104024900000 374072700000
3 Total income 271744200000 1030761000000
Expenses
4 Interest expenses 71595800000 282745500000
5 Operating expenses
(i) Employees cost 32363700000 119636000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Policy holders’ reserves, surrender expense and claims (insurance business) 55105200000 200213600000
2 Other operating expenses 37765800000 137717200000
Total other operating Expenses 92871000000 337930800000
Total Operating Expenses 125234700000 457566800000
6 Total expenditure excluding provisions and contingencies 196830500000 740312300000
7 Operating profit before provision and contingencies 74913700000 290448700000
8 Provisions other than tax and contingencies 11402700000 38592400000
9 Exceptional items 0 38034000000
10 Total profit (loss) from ordinary activities before tax 63511000000 289890300000
11 Provision for Tax 14421600000 70432900000
12 Net profit (loss) from ordinary activities after tax 49089400000 219457400000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 49089400000 219457400000
15 Share of profit (loss) of associates 238200000 1802500000
16 Profit (loss) of minority interest 0 0
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 49327600000 221259900000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 9941100000 9941100000
Face value of equity share capital 5 5
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 1564009700000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 21.1 21.1
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 24.81 111.29
Diluted earnings per share before extraordinary items 24.81 111.29
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 24.81 111.29
Diluted earnings per share after extraordinary items 24.81 111.29
(iv) NPA Ratios
Amount of gross non-performing assets 71122800000 71122800000
Amount of net non-performing assets 17515500000 17515500000
% of gross NPAs 1.45 1.45
% of net NPAs 0.36 0.36
Return on assets 0.58 2.73
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) NO NOTES


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 9941100000
Reserves and surplus 1564009700000
Deposits 4947074800000
Borrowings 976220300000
Other liabilities and provisions 1300497500000
Total Capital Liabilities 8797743400000
2 ASSETS
Cash and Balances with Reserve Bank of India 417483500000
Balances with Banks and money at call and short notice 373134000000
Investments 2842550000000
Advances 4861655200000
Fixed Assets 28108000000
Other Assets 274812700000
Total Assets 8797743400000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


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-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
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 32885100000 128400800000
2 Retail Banking 87629700000 338297200000
3 Corporate / Wholesale Banking 66783700000 247862800000
4 Vehicle Financing 10541600000 41006400000
5 Other Lending Activities 5811500000 22275700000
6 Broking 9791300000 43690200000
7 Advisory and Transactional Services 3316600000 16820600000
8 Asset Management 9653500000 28936700000
9 Insurance 70349300000 252684400000
Total Segment Revenue 296762300000 1119974800000
Less: Inter segment revenue 25018100000 89213800000
Income from operations 271744200000 1030761000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury, BMU and Corporate Centre 11856000000 91095300000
2 Retail Banking 14955300000 58581800000
3 Corporate / Wholesale Banking 23332500000 78901600000
4 Vehicle Financing 1897300000 6990400000
5 Other Lending Activities 2104000000 7377500000
6 Broking 1998000000 15244700000
7 Advisory and Transactional Services -568900000 2949800000
8 Asset Management 6531100000 17214700000
9 Insurance 1405700000 11534500000
Total Profit before tax 63511000000 289890300000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 63511000000 289890300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury, BMU and Corporate Centre 2280067800000 2280067800000
2 Retail Banking 4438295500000 4438295500000
3 Corporate / Wholesale Banking 2744942200000 2744942200000
4 Vehicle Financing 298487500000 298487500000
5 Other Lending Activities 247261900000 247261900000
6 Broking 209700100000 209700100000
7 Advisory and Transactional Services 13016400000 13016400000
8 Asset Management 82531500000 82531500000
9 Insurance 948110300000 948110300000
Total Segment Assets 11262413200000 11262413200000
Un-allocable Assets -2464669800000 -2464669800000
Net Segment Assets 8797743400000 8797743400000
4 Segment Liabilities
Segment Liabilities
1 Treasury, BMU and Corporate Centre 1857322600000 1857322600000
2 Retail Banking 3959707300000 3959707300000
3 Corporate / Wholesale Banking 2440215100000 2440215100000
4 Vehicle Financing 180160400000 180160400000
5 Other Lending Activities 191573900000 191573900000
6 Broking 169439800000 169439800000
7 Advisory and Transactional Services 2524000000 2524000000
8 Asset Management 7164400000 7164400000
9 Insurance 873174400000 873174400000
Total Segment Liabilities 9681281900000 9681281900000
Un-allocable Liabilities -883538500000 -883538500000
Net Segment Liabilities 9681281900000 9681281900000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 9560800000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 38592400000
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 366900000
Other adjustments for which cash effects are investing or financing cash flow -83866900000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) -35346800000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -652329900000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 630330800000
Adjustments for provisions 0
Total adjustments for working capital -21999100000
Total adjustments for reconcile profit (loss) -57345900000
Net cash flows from (used in) operations 232544400000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 63387100000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 169157300000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 169157300000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 40730800000
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 281970800000
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 647600000
Purchase of tangible assets 12128500000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items -252720900000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities -252720900000
5 Cash flows from used in financing activities
Proceeds from issuing shares 464000000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 225164200000
Repayments of borrowings 0
Dividends paid 3976200000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash -232400000
Net cash flows from (used in) financing activities before extraordinary items 221419600000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 221419600000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 137856000000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 697600000
Net increase (decrease) in cash and cash equivalents 138553600000
Cash and cash equivalents cash flow statement at beginning of period 652063900000
Cash and cash equivalents cash flow statement at end of period 790617500000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 Deloitte Haskins & Sells, Chartered Accountants Yes 31-Mar-2027
2 KKC & Associates LLP Yes 31-Jul-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date