Kotak Mahindra Bank Financial Statements

Kotak Mahindra Bank Key Financial Ratios

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 17.80 63.40 13.50 16
Total op income 22 52.10 22.10 17.30
Op profit (pre-provision) 48.10 34.80 16.30 19.50
Net profit 63.20 12 24.20 10.40
Advances 14.70 79.40 24.80 9.41
Deposits 13.50 83 26.40 15.40
Total assets 11.60 81.40 21.10 4.65
Profitability Ratios (%)        
NIM 4.49 4.30 4.90 4.97
Non-int inc/Total inc 30 27.50 32.40 27.30
Return on Avg Equity 13.20 11 14.10 13.80
Return on Avg Assets 1.68 1.40 1.93 1.75
Per share ratios ()        
EPS 18.50 11.30 12 9.70
Adj.BVPS -- -- -- --
DPS 0.60 0.50 0.45 0.40
Other key ratios (%)        
Credit/Deposits 0.86 0.86 0.87 0.88
Cost/Income 103 168 128 115
CASA 44 38.10 36 32
CAR 16.80 16.30 17.20 18.80
Tier-I capital 15.90 15.30 16.20 17.80
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 0.66 0.99 0.28 0.60
Net NPLs/Net loans -- -- -- --
Tax rate 0.51 0.49 0.52 0.51
Dividend yield 0.07 0.07 0.14 0.21
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 17,699 16,384 9,720 8,767
Interest expense (9,573) (9,484) (5,496) (5,047)
Net interest income 8,126 6,900 4,224 3,720
Non-interest income 3,477 2,612 2,028 1,400
Total op income 11,603 9,513 6,252 5,120
Total op expenses (5,618) (5,472) (3,255) (2,543)
Op profit (pre-prov) 5,985 4,041 2,997 2,577
Provisions (837) (917) (164) (305)
Exceptionals -- -- -- --
Profit before tax 5,148 3,124 2,833 2,272
Taxes (1,737) (1,034) (967) (770)
Net profit 3,411 2,090 1,866 1,503
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 39,627 53,292 24,676 19,620
Investments 105,099 75,052 71,189 64,562
Advances 223,689 219,748 205,695 169,718
Total int-earning assets 368,414 348,092 301,559 253,900
Fixed assets 1,535 1,623 1,652 1,527
Other assets 13,702 10,672 9,122 9,649
Total assets 383,652 360,387 312,333 265,077
Net worth 63,729 49,018 42,900 37,484
Deposits 280,100 262,821 225,880 192,643
Borrowings 23,651 37,993 32,248 25,154
Total int-bearing liabs 303,751 300,814 258,129 217,797
Non-int-bearing liabs 16,172 10,555 11,304 9,795
Total liabilities 319,923 311,369 269,432 227,593
Equity + Total liabilities 383,652 360,387 312,333 265,077
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Particulars ( Rupees In Crores.) Sep-2021 Jun-2021 Mar-2021 Dec-2020
Interest Earned 6,596 6,480 6,449 6,659
Other Income 1,813 1,352 1,950 1,285
Total Income 8,409 7,832 8,398 7,944
Operating Expenses ** 5,289 4,942 4,991 5,042
Operating Profit Before Prov. & Cont. 3,120 2,890 3,407 2,903
Provisions & Contingencies 424 704 1,179 419
Depreciation -- -- -- --
Provision For Taxes 664 544 546 631
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 2,032 1,642 1,682 1,854
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 2,032 1,642 1,682 1,854
EPS (Unit Curr.) 10.30 8.28 8.29 9.36
EPS (Adj) (Unit Curr.) 10.30 8.28 8.29 9.36
Calculated EPS (Unit Curr.)  10.30 8.28 8.49 9.36
Calculated EPS (Adj) (Unit Curr.) 10.30 8.28 8.49 9.36
Calculated EPS (Ann.) (Unit Curr.)  41 33.10 34 37.40
Calculated EPS (Adj) (Ann.) (Unit Curr.)  41 33.10 34 37.40
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 992 991 991 990
Reserve & Surplus  -- -- -- --
Face Value 5 5 5 5
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 79.90 72.90 75 79.10
PBDTM(%) 40.90 33.70 34.50 37.30
PATM(%) 30.80 25.30 26.10 27.80
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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