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KOTAK MAHINDRA BANK LIMITED (CONSOLIDATED) Registered Office: 36-38A, Nariman Bhavan, 227, Nariman Point, Mumbai 400

021 UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED 30th JUNE, 2012 ` in lakhs Year Ended March-12 (Audited) 847,041.98 655,192.92 184,053.97 4,110.50 3,684.59 446,696.94

Sr No

Particulars June-12 (Unaudited) 246,982.41 186,414.69 57,567.72 2,036.83 963.17 86,181.36 2,227.61 44,486.47 39,467.28 333,163.77 136,921.22 130,436.69 43,332.45 43,658.10 43,446.14 267,357.91 65,805.86 1,929.85 63,876.01 20,047.00 43,829.01 43,829.01 837.14 1,355.81 44,347.68 37,123.79

Quarter Ended March-12 June-11 (Unaudited) (Unaudited) 234,866.39 186,960.88 180,803.22 143,191.55 51,706.88 41,957.91 1,323.47 780.68 1,032.82 1,030.74 201,493.39 84,003.82 45,029.14 109,695.07 46,769.18 436,359.78 129,934.88 231,077.48 41,004.77 141,572.04 48,500.67 361,012.36 75,347.42 225.54 75,121.88 22,245.07 52,876.81 52,876.81 1,488.62 704.35 52,092.54 37,034.48

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6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

Interest earned (a+b+c+d) (a) Interest/discount on advances/bills (b) Income on investments (c) Interest on balances with RBI & other banks (d) Others Other income (a+b+ c) (a) Profit/(Loss) on sale of investments including revaluation (insurance business) (b) Premium on Insurance Business (c) Other income (see Notes 1,5 and 6) Total income (1+2) Interest expended Operating expenses (a+b+c) (a) Payments to and provisions for employees (b) Policy holders’ reserves, surrender expense and claims (c) Other operating expenses (see Note 2 and 5) Total expenditure (4+5) (excluding provisions and contingencies) Operating Profit before provisions and contingencies (3-6) Provisions (other than tax) and contingencies (see Note 3) Exceptional items Profit from ordinary activities before tax (7-8-9) Tax expense Profit from Ordinary activities after tax before Minority Interest (10 – 11) Extraordinary items (net of tax expense) Profit from ordinary activities after tax before Minority Interest (12 – 13) Less: Share of Minority Interest Add: Share in Profit of associates Profit after tax (14-15+16) Paid Up Equity Capital - (Face Value of ` 5 per share) Group Reserves (excluding Minority Interest) Minority Interest Analytical Ratios (i) Earnings per Share (before and after extraordinary items) (a) Basic (not annualized) ` (b) Diluted (not annualized) ` (ii) NPA Ratios (a) Gross NPA (b) Net NPA (c) % of Gross NPA/ Gross Advances (d) % of Net NPA/ Net Advances (e) % of Gross NPA/ Gross Advances (excluding NPAs acquired from other banks/ NBFCs) (f) % of Net NPA/ Net Advances (excluding NPAs acquired from other banks/ NBFCs) (iii) Return on Assets (average) (not annualised)

(7,058.80) (21,269.14) 50,027.53 289,153.64 41,035.09 178,812.44 270,964.70 1,293,738.92 94,923.60 454,195.68 113,375.61 564,019.64 38,481.48 160,154.16 37,253.95 37,640.18 231,306.62 172,558.86

208,299.21 1,018,215.32 62,665.49 2,416.20 60,249.29 18,312.66 41,936.63 41,936.63 1,203.44 876.91 41,610.10 36,890.52 275,523.60 9,869.80 265,653.80 80,600.91 185,052.89 185,052.89 5,284.45 3,455.09 183,223.53 37,034.48 1,253,070.15 16,005.57

5.98 5.95 77,038.19 37,509.12 1.34 0.66 1.18 0.64 0.47

7.04 7.00 69,973.55 27,342.90 1.31 0.51 1.05 0.49 0.58

5.64 5.61 71,738.61 24,066.96 1.59 0.54 1.07 0.41 0.55

24.81 24.67 69,973.55 27,342.90 1.31 0.51 1.05 0.49 2.20

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NOTES: 1. Details of other income forming part of the Consolidated results are as follows: Quarter Ended June-12 (Unaudited) 37,053.78 2,413.50 39,467.28 March-12 June-11 (Unaudited) (Unaudited) 40,855.55 38,559.52 5,913.63 46,769.18 2,475.57 41,035.09 ` in lakhs Year Ended March-12 (Audited) 166,435.19 12,377.25 178,812.44

Particulars

Commission, fees, exchange, brokerage and others Profit on sale of investments (other than insurance business) Total – Other income 2.

Details of other expenditure forming part of Consolidated results are as follows: Quarter Ended June-12 March-12 June-11 (Unaudited) (Unaudited) (Unaudited) 5,247.40 6,925.70 4,733.78 4,403.76 4,454.29 3,778.44 6,156.89 5,545.95 5,735.33 27,638.09 31,574.73 23,392.63 43,446.14 48,500.67 37,640.18 ` in lakhs Year Ended March-12 (Audited) 23,097.24 16,433.11 23,272.97 109,755.54 172,558.86

Particulars

Brokerage Depreciation Rent, taxes and lighting Others Total – Other operating expenses

3.

Details of Provisions (other than tax) and contingencies forming part of Consolidated results are as follows: ` in lakhs Year Ended March-12 (Audited) 8,554.76 1,315.04 9,869.80

Particulars

Provision towards Advances and Receivables Provision /(Write Back of provisions) towards Investments Total – Provisions (other than tax) and contingencies

Quarter Ended June-12 March-12 June-11 (Unaudited) (Unaudited) (Unaudited) 5,687.90 2,094.97 699.38 (3,758.05) (1,869.43) 1,716.82 1,929.85 225.54 2,416.20

Provisions and contingencies are net of recoveries made against accounts which have been written off as bad in the previous periods/ year. 4 The consolidated financial results are prepared in accordance with Accounting Standard – 21 (AS-21), “Consolidated Financial Statements“ and Accounting Standard – 23 (AS–23) “Accounting for investment in associates in consolidated financial statement“ notified under the Companies (Accounting Standard) Rules, 2006 “as amended”. Other income in the consolidated results for the reporting periods is net of sub-brokerage paid in the broking subsidiary amounting to ` 1,238.84 lakhs for the quarter ended 30th June, 2012 (` 3,521.11 lakhs for the quarter ended 31st March, 2012, ` 2,099.36 lakhs for the quarter ended 30th June, 2011), for year ended 31st March, 2012 ` 7,642.81 lakhs. Other Income includes non fund based income such as commission earned from guarantees/letters of credit, financial advisory fees, selling of third party products, earnings from exchange transactions and profit/loss from the sale of securities. There has been no change in significant accounting policies during the quarter. Figures for the previous periods/ year have been regrouped wherever necessary to conform to current period’s presentation.

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KOTAK MAHINDRA BANK LIMITED (STANDALONE) Registered Office: 36-38A, Nariman Bhavan, 227, Nariman Point, Mumbai 400 021 UNAUDITED FINANCIAL RESULTS FOR THE QUARTER ENDED 30th JUNE, 2012 Sr No 1 Particulars Quarter Ended June-12 March-12 June-11 (Unaudited) (Unaudited) (Unaudited) 181,583.30 174,482.65 132,978.22 139,385.36 135,970.85 104,217.48 41,883.09 38,127.55 28,635.93 220.31 203.76 88.24 94.54 180.49 36.57 24,114.96 25,423.16 22,866.21 205,698.26 199,905.81 155,844.43 109,452.75 105,709.64 76,193.23 51,407.89 49,663.93 41,045.62 25,655.13 22,482.46 20,619.05 25,752.76 27,181.47 20,426.57 160,860.64 44,837.62 3,413.81 41,423.81 13,179.00 28,244.81 28,244.81 37,123.79 155,373.57 44,532.24 463.12 44,069.12 14,376.53 29,692.59 29,692.59 37,034.48 117,238.85 38,605.58 2,208.49 36,397.09 11,193.60 25,203.49 25,203.49 36,890.52 ` in lakhs Year Ended March-12 (Audited) 618,023.62 486,744.31 130,635.14 406.72 237.45 97,734.58 715,758.20 366,774.60 183,482.99 87,218.68 96,264.31 550,257.59 165,500.61 5,507.96 159,992.65 51,487.35 108,505.30 108,505.30 37,034.48 757,559.42 17.52

2 3 4 5

6 7 8 9 10 11 12 13 14 15 16 17

Interest earned (a+b+c+d) (a) Interest/ discount on advances/ bills (b) Income on investments (c) Interest on balances with RBI & other banks (d) Others Other Income (Refer Note 1) Total income (1+2) Interest expended Operating expenses (a+b) (a) Payments to and Provisions for employees (b) Other Operating expenses Total expenditure (4+5)

(Excluding provisions & contingencies )

Operating Profit (3-6)

(Profit before provisions and contingencies )

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Provisions & contingencies (Other than tax ) (Refer Note 2) Exceptional items Profit from Ordinary Activities before tax (7-8-9) Provision for taxes Net Profit from Ordinary Activities after tax (1011) Extraordinary items (Net of tax expense) Net Profit for the Period (12-13) Paid Up Equity Capital - (Face Value ` 5 per share) Reserves excluding revaluation reserves Analytical Ratios (i) % of shares held by Govt. of India (ii) % Capital adequacy ratio ( Basel II ) (iii) Earnings Per Share (EPS) for the period -Not Annualized - Basic ` - Diluted ` (iv) NPA Ratios a) Gross Non-performing assets b) Net Non-performing assets c) % of Gross NPA to Gross Advances d) % of Net NPA to net Advances e) % of Gross NPA to Gross Advances (excluding NPAs acquired from other banks and NBFCs) f) % of Net NPA to net Advances (excluding NPAs acquired from other banks and NBFCs) g) Return on Assets %(Average) – Not Annualized Public Shareholding (i) No. of shares (ii) % of shareholding Promoters and promoter group Shareholding a) Pledged/Encumbered Number of shares Percentage of shares (as a % of the total shareholding of promoter and promoter group) Percentage of shares (as a % of the total share capital of the company) b) Non-encumbered Number of Shares Percentage of shares (as a % of the total shareholding of promoter and promoter group) Percentage of shares (as a % of the total share capital of the company)

16.57

17.52

18.15

3.81 3.79 68,468.15 34,024.95 1.60 0.80 1.39 0.78 0.42 406,793,158 54.79

4.01 3.99 61,418.96 23,738.44 1.56 0.61 1.22 0.57 0.46 405,006,286 54.68

3.42 3.40 61,570.81 21,352.49 1.88 0.66 1.16 0.49 0.47 402,020,101 54.49

14.69 14.61 61,418.96 23,738.44 1.56 0.61 1.22 0.57 1.83 405,006,286 54.68

335,682,724 100 45.21

335,683,224 100 45.32

335,790,268 100 45.51

335,683,224 100 45.32

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77) 463.208.93) 3.59 73.319.35 43. During the quarter.90 NOTES: 1.758.805.44 241.30 12.90 388.953.92 452.67 29. investments and primary dealership of government securities and Balance Sheet Management Unit (BMU) responsible for Asset Liability Management.583.81 (795.698.81 53. financial advisory fees.74 1.314.33 715.34 56.04) 5.992.90 388.63 41. 4 .16 199.148.50 204. Corporate/ Wholesale Banking c.360. During the quarter the Bank received seven complaints from shareholders.36 55.479. Stock options aggregating to 1.96 2.317.910. Treasury and BMU b. selling of third party products.88 7.357. Corporate/ Wholesale Banking c.258. Treasury and BMU b.579.593.180.97 99.14 7.507.62 135.491.12 901.517.71 297.90 129.114.307.880.213.820.82 794.069.479. earnings from foreign exchange transactions and profit/loss from the sale of Securities.80 44.652. Break up of provisions and contingencies (Other than tax): Particulars ` in lakhs Quarter Ended Year Ended June-12 March-12 June-11 March-12 (Unaudited) (Unaudited) (Unaudited) (Audited) 5.335.099.413.61 920.63 205.47 785.47 785.372 were exercised during the quarter and 11. 4.87 329.401.313.12 June-11 (Unaudited) 44.38 413.09 2 3 111. 2012.69 100.58 69. Wholesale borrowings and lendings and other related services to the corporate sector which are not included under retail banking ` in lakhs Year ended March-12 (Audited) 198.53 155.314.43 (894.62 13.213.32 158.08 9.193. Treasury and BMU b.73 56.586.756.69 256.80 199.888.02) 23. Retail Banking Sub-total Add: Unallocated Total Capital Employed 57. The Bank had no outstanding shareholder complaints as at 31st March.990.09 13.844.25 826.56 23.80 78.240.180.Segment Results The reportable segments of the bank are as under: Segment Treasury and BMU Retail Banking Corporate/Wholesale Banking Principal activity Money market.67 828.786.076 stock options were outstanding with employees of the Bank and its subsidiaries as at 30th June.235.18 69.354.02 2.145.243. forex market. deposit taking and other services/ products including credit cards.593.713.53 41.08 9.52 99.65 Quarter Ended June-12 March-12 (Unaudited) (Unaudited) 1 Segment Revenue a. Retail Banking Sub-total Less : Inter-segmental revenue Add : Unallocated Income Total Segment Results a.02 36.404.00 266.89 1.00 (1.33 158.09 159.796.637.85 124.09 707.627.21 60.39 301.269.71 297. the Bank has granted 1.550 options under employee stock option scheme.56 180.684.97 100. Includes lending. Provision towards Advances and Receivables Provision /(Write Back of provisions) towards Investments Total Provisions and Contingencies (other than Tax) 3. 2012.397.14 21.57 700.375.082. Other Income includes non fund based income such as commission earned from guarantees/Letters of credit.088. derivatives.35 2.114.20 3.513.97 269.084. Corporate/ Wholesale Banking c. Retail Banking Sub-total Add : Unallocated Income /(expense) Total Profit Before Tax Capital employed (Segmental Assets less Segmental Liabilities) a.82 794.826.04 43.731.083.812.905.47 36.514.86 159.26 4.49 (1.567.087. Provisions and contingencies are net of recoveries made against accounts which have been written off as bad in the previous period/ year.647.63 180.084.423.208. All shareholder complaints have been resolved and there are no pending complaints as on 30th June.326.619. 2012.81 2.62 21.

The results for the period ended 30th June. By order of the Board of Directors For Kotak Mahindra Bank Limited Dipak Gupta Joint Managing Director Mumbai. There has been no change in significant accounting policies during the quarter. The above results have been approved by the Board of Directors of the Bank at its meeting held today. 2012 have been subject to limited review by the statutory auditors of the Bank. 8. 6.5. 7. Figures for the previous period have been regrouped wherever necessary to conform to current period’s presentation. 19th July. 2012 5 .

Earnings Update 1 July 19. 2012 .

5% resp Figures in brackets are Q1FY12 numbers .78% (0.Kotak Bank .1%) as per Basel II CASA ` 11.standard ` 12 cr (` 38 cr) Net NPA * 0.6% (18.Standalone Highlights PAT ` 282 cr (` 252 cr) Networth ` 8.054 cr (` 8.288 cr (` 7.49%) CAR# 16. CAR & Tier 1 including profits – 17.0% (16.1% & 15.318 cr (` 32.077 cr) Loans ` 42.339 cr) up 31% yoy Restructured Loans.2%) as per Basel II Tier 1 # 15.254 cr) Up 34% yoy • Excluding acquired stressed assets # Excluding unaudited profits.

9% (2.7% (5.64% (0.Consolidated Highlights PAT ` 443 cr (` 416 cr) Networth ` 13.699 cr) up 28% yoy Net NPA * 0.049 cr (` 44.9 per share (` 154.842 cr (` 78.41%) NIM 4.542 cr) up 23% yoy Book Value ` 180.6 per share) * Excluding acquired stressed assets Figures in brackets are Q1FY12 numbers 3 .406 cr) Loans ` 57.0%) RoA 1.430 cr (` 11.2%) Total Assets ` 96.

699 19.868 3.106 11.386 2.533 11. 2011 Jun 30.333 1.798 5.261 76.469 6.771 4.077 1.821 57.078 2.161 8.144 23.Consolidated Advances & Investments ` cr Commercial vehicles & Construction equipment Agriculture Finance Auto loans Mortgage Loans Personal loans Business Banking Corporate Banking Others Total Advances Investments/ Treasury Assets * Total Advances and Investments * Does not include policy holders’ investments Mar 31. 2012 Jun 30.405 6.121 8. 2012 7.995 53.423 14.600 8.546 44.268 .049 23.714 10.422 64.515 12.944 3.219 80.978 7.360 2.321 2.739 1.356 8.

867 (35) 1.085 385 126 6 203 22 (11) 36 15 1. Equity Affiliates.Consolidated PAT ` cr Kotak Mahindra Bank Kotak Mahindra Prime Kotak Securities Kotak Mahindra Capital Company Kotak Mahindra Old Mutual Life Insurance Kotak Mahindra AMC & Trustee Co International subsidiaries Kotak Investment Advisors Kotak Mahindra Investments Total Minority Interest. others Consolidated PAT FY12 1.832 Q4FY12 297 97 50 5 57 3 3 10 6 528 (7) 521 Q1FY12 252 94 23 1 46 9 (3) 11 3 436 (20) 416 Q1FY13 282 94 23 6 32 4 (5) 8 4 448 (5) 443 5 .

Consolidated Key Financials Total Assets (` cr) Networth (` cr) Book Value per share (`) PBT `cr PBT Mix 2.673 751 619 648 PAT ` cr 1.832 521 416 443 .

Integrated Financial Services Banking Life Insurance Asset Management Capital Markets .

Financing Business Advances (` cr) 57.049 Net Interest Income (` cr) # # financing entities Net NPA (%)* PAT (` cr) # * Excluding acquired stressed assets portfolio .

` 38 cr (0. 2012 – 62.5% ^ including unaudited profits .Bank Key Ratios RoA (%) NPA * (%) * Excluding acquired stressed assets portfolio CAR & Tier I (%) Asset Quality • Restructured assets considered standard (as % of net advances)  Jun 30.05%)  Jun 30. 2012 .` 20 cr (0.03%)  Mar 31.12%) •PCR (as per RBI circular ) as on Jun 30.` 12 cr (0. 2012 . 2011 .

835 1.512 978 3.490 872 963 1.600 515 1.085 Q4FY12 688 254 942 225 272 497 445 12 (8) 4 441 144 297 Q1FY12 568 228 796 206 204 410 386 13 9 22 364 112 252 Q1FY13 721 241 962 257 257 514 448 52 (18) 34 414 132 282 .Bank Profit and Loss ` cr Net Interest Income Other Income Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Provision on advances & receivables Provision on investments Provision & contingencies PBT Provision for Tax PAT FY12 2.655 73 (18) 55 1.

600 Q4FY12 296 121 22 2 441 Q1FY12 238 135 (9) 364 Q1FY13 238 133 42 1 414 * Balance Sheet Management Unit .Bank Segment performance ` cr Corporate/Wholesale Banking Retail Banking Treasury & BMU* Unallocated Income Total FY12 997 566 35 2 1.

318 .433 32.510 10.527 9.419 12.318 21.942 914 39.567 60.355 7.714 8.264 Q1FY13 21.329 20.106 8.079 Q1FY12 6.079 21.502 FY12 7.184 63.669 580 32.339 17.339 Q1FY13 8.868 3.062 18.989 42.906 14.646 Q1FY12 17.843 807 42.017 39.469 6.077 1.935 3.925 50.739 1.798 5.359 2.772 4.333 1.Bank Advances & Investments ` cr Commercial vehicles & Construction equipment Agriculture Finance Mortgage loans Personal loans Business Banking Corporate Banking Others Total Advances Advances – as per segmental classification ` cr Retail Corporate Total Advances Investment / Treasury Assets Total Advances and Investments FY12 21.

318 2.047 4.925 14.863 3.946 38.184 16.666 FY12 2. Bank and Call Investments Government Securities Other Securities Advances Fixed Assets & Other Assets Total FY12 7.313 16.635 21.050 2.928 Q1FY13 2.331 3.595 2.011 5.073 Q1FY12 2.588 65.181 2.307 2.967 55.288 41.604 Q1FY12 7.854 21.572 68.842 17.947 3.514 5.974 Q1FY13 8.254 22.928 .821 3.073 42.124 5.587 4.537 7.540 3.594 16.710 19.352 5.086 55.573 5.385 65.567 16.632 5.666 32.079 2.980 13.060 39.077 31.Bank Balance Sheet ` cr Net Worth Deposits CA SA TD Sweep Term Deposit Others Certificate of Deposit Borrowings Other Liabilities and Provisions Total ` cr Cash.339 1.827 68.246 14.

331 5.947 5.307 5.540  Focus on affluent segment CASA % TD Sweep deposit ` cr 30 1.Liabilities No of Branches / ATM’s  500 Branches in CY13  Increased cross sell of asset products  Positive impact of savings account interest deregulation o savings balances increased 68% yoy  Added around 1.897 32 2.460 7.352 4.514 deposit ratio at 7.246 27 3.254 .050 3.Consumer Banking .710 27 2.4 lac customer accounts for the quarter  TD sweep to total CA deposit ` cr 5.8% SA deposit ` cr 3.

608 17.Assets Advances break up  Focus on SENP and cross sell to bank branch  Continued focus on Auto Sector  Mortgages growth in select territories  Selective growth in personal loans  Continued low delinquencies ` cr 17.553 YoY 26% .170 21.Consumer Banking .873 22.

534 19.Commercial Financing Advances break up  Focus on Bharat (semi urban / rural areas)  Asset focused branches in rural areas  Priority sector target met consistently  Consistent growth in Agri ` cr 14.512 19.944 Includes Business Banking which was earlier a part of Wholesale Banking YoY 28% .028 15.

Wholesale Banking Funded & Non funded (` cr)  Largely Working Capital  Continued focus on Transaction Banking o o YoY 29% Vendor Financing. CMS and Operative Accounts Focus on FX flows with increased treasury coverage Custody & Transaction services o  Continued to deepen franchise across all customer segments  Focus on Govt. business Excludes Business Banking which is now a part of Commercial Banking .

9 Q1FY12 11.1 Q1FY13 14.805 570 385 Q4FY12 470 143 97 Q1FY12 396 141 94 Q1FY13 510 139 94 ` cr Total Advances Car Advances Net NPA* Net NPA* (%) CAR (%) ROA (%).2 16.3 2.2 16.154 21 0.577 22 0.0 3.4 .938 26 0.Kotak Mahindra Prime ` cr Total income Profit before tax Profit after tax FY12 1.114 11.386 10.annualised * Excluding acquired stressed assets portfolio FY12 13.9 2.569 8.1 15.

112 Q1FY12 562 2.773 2.06 203 436 374 354 1.937 Q4FY12 562 3.85 46 65 40 60 346 511 Q1FY13 562 2.06 57 185 184 155 588 1.Kotak Mahindra Life Insurance AUM (` cr) Sum Assured (` ‘000 cr) FY12 Capital (` cr) Solvency ratio (%) PAT Individual Regular Single Group Renewal Total 562 3.97 32 58 17 63 319 457 .

9 Q1FY12 145 36 23 2.9 Q4FY12 178 74 50 2. .KS ` cr Total income Profit before tax Profit after tax Market Share (%) FY12 610 191 126 2.358 branches & franchises.70 lac secondary market customers thru 1.Kotak Securities Market ADV (` ‘000 cr) ADV (` cr) .5 Kotak Securities services around 7.7 Q1FY13 132 35 23 2.

A. Transaction Advisor for the amalgamation of Hero Investments Private Limited and Hero MotoCorp Limited Transaction Advisor and fairness opinion provider for the merger of Suzuki Powertrain India Limited into Maruti Suzuki India Limited ` cr Total income Profit before tax Profit after tax FY12 79 9 6 Q4FY12 22 7 5 QFY12 23 2 1 Size (` cr) 500 370 288 269 176 175 41 40 ND ND QFY13 23 8 6 .Kotak Mahindra Capital Co. by Votorantim Cimentos S. by Warburg Pincus Private equity investment by KKR and Goldman Sachs Speciality Restaurants (IPO) Strategic Alliance Agreement (SAA) between Essar Ports Limited (EPL) and Port of Antwerp International (PAI) and placement of Global Depository Receipts EPC Industrié Limited (Rights Issue) Open offer for Shree Digvijay Cement Co. Client Transaction Preferential allotment to GIC and Baring India PE Private equity investment by Jacob Ballas and International Finance Corporation (IFC) Open Offer for Future Capital Holdings Ltd. Ltd.

2011 Jun 30.661 cr AUM ` 51.Asset Under Management AUM ` 51.534 cr Jun 30. 2012 .

Average Assets Under Management ` cr  Over 9 lac folios  83 Branches  Regulatory challenges ` cr # Total income Profit before tax Profit after tax # AMC & Trustee Co FY12 125 31 22 Q4FY12 27 4 3 Q1FY12 37 13 9 Q1FY13 28 4 4 .Kotak Mahindra AMC and Trustee Co.

030 cr 2.Kotak Investment Advisors Realty Fund Private Equity Fund  Corpus advised / /managed –– Corpus advised managed  ``2.981 cr 2.030 cr 33 Investments 33 Investments Propose to launch Infrastructure fund with SMBC and Brookfield Propose to launch Infrastructure fund with SMBC and Brookfield ` cr Total income Profit before tax Profit after tax FY12 97 52 36 Q4FY12 24 14 10 Q1FY12 25 15 11 Q1FY13 22 11 8 .981 cr 49 Investments 49 Investments  Corpus advised / /managed –– Corpus advised managed  ``2.

 New  International offices situated in London. Bahrain. New  York.  Mauritius & Singapore Mauritius & Singapore ... Abu Dhabi.  York. Bahrain. Dubai. California.358 83 2. Dubai.Geographical Presence Wide National Footprint …. Abu Dhabi.077 International offices situated in London. …. California. With Multiple Points of Presence Business Banking Car Finance Life Insurance Securities Mutual Fund Total Jun – 2012 366 66 204 1.

APAC”. APAC and “Top 10 India reports” in the LACP Vision Best Companies to work for 2010 & 2009 by Great places to work Institute India among Awards USA .Bank Awards & Recognition Best Private Bank by Finance Asia Country Best Local Cash Management Bank Asia Money 2011 and 2010 “The ingenious 100” Award by IDG India’s CIO Magazine for Storage Virtualization & Ingenious Technology Solutions Ranked # 1 in 7 categories including range of investment products / advisory services by Euromoney Award for Excellence Ranked #2 in India for companies with “Best Corporate Governance Practices” – IR Global Rankings 2010 & 2011. only Bank to be in top 25 Awarded Gold in the “Best Local Trade Bank in India” category of Trade and Forfaiting Review Awards 2012 Kotak Bank Annual Report 2011-12 was awarded Gold . ranked # 30 the top 50 reports. Bronze in the “Most Creative Report.“Best among Banking category”. Ranked among Top 5 in India by IR Global as “ Best Ranked IR website in India” Awarded Hewitt Best Employers in India 2011 & 2009.

Awards & Recognition Lipper Fund Award 2011 for Kotak Bond Regular – ‘Best Fund over 10 years Bond Indian Rupee’ 2012:Best Investment Bank in India (Seventh year in a row) 2011: Best Domestic Equity House (Fourth year in a row) Best Broker in India 2012 2012: Best Equity House (Third year in a row) Award for Excellence 2011: Best Domestic Investment Bank (Fifth year in a row) 2011: Best Bank for Equity Finance in India (Real Estate) (Second year in a row) .

Certain statements in the presentation contain words or phrases that are forward looking statements. projection. estimate or projection. its accuracy is not guaranteed. estimate or projection herein constitutes a judgment as of the date of this presentation. No information contained herein has been independently verified by anyone else. This presentation may not be used.relations@kotak. Totals in some columns/ rows may not agree due to rounding off. We do not have any obligation to.com . No representation or warranty (express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness. and observe. and do not intend to. Figures for the previous period/ year have been regrouped wherever necessary to conform to current period’s / year’s presentation. distributed. The information in this presentation is subject to change without notice. The distribution of this document in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about. update or otherwise revise any statements reflecting circumstances arising after the date of this presentation or to reflect the occurrence of underlying events. Any opinion. and there can be no assurance that future results or events will be consistent with any such opinion.Disclaimer This presentation is for information purposes only and does not constitute an offer. No offering of securities of the Bank will be made except by means of a statutory offering document containing detailed information about the Bank. All information contained in this presentation has been prepared solely by the Bank. All forward-looking statements are subject to risks. Contact Jaimin Bhatt / R Sundarraman Kotak Mahindra Bank Limited Tel: +91 22 6672 6000. representation or warranty (expressed or implied) or omissions in this presentation. even if the underlying assumptions do not come to fruition. Neither the Bank nor anyone else accepts any liability whatsoever for any loss. reproduced. shared. Fax: +91 22 6672 6430 E-mail: investor. solicitation or advertisement with respect to the purchase or sale of any security of Kotak Mahindra Bank Limited (the “Bank”) and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. completeness or accuracy of any information. any such restrictions. copied. or disseminated in any other manner. howsoever. uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward looking statement. it may be incomplete or condensed and it may not contain all material information concerning the Bank. This presentation is not a complete description of the Bank. arising from any use or reliance on this presentation or its contents or otherwise arising in connection therewith.

PRESS RELEASE KOTAK MAHINDRA BANK ANNOUNCES RESULTS Bank PAT for Q1 FY13 ` 282 cr Consolidated PAT for Q1 FY13 ` 443 cr Mumbai.0%.5%. The provision coverage ratio on non-performing assets as on June 30. Capital adequacy ratio of the Bank excluding profit for Q1 FY13 as per Basel II as on June 30. at the board meeting held in Mumbai. Advances as on June 30. ` 568 cr in Q1 FY12.540 cr from ` 3. 2012 were up 34% yoy to ` 41.339 cr as on June 30.054 cr from ` 8. 2011. Tier 1 ratio is 15. 2011). today.254 cr as on June 30. 2012 is 16. 2012 was 62. Savings deposits as on June 30. Bank had 366 full-fledged bank branches (323 branches as on June 30.632 cr (`31.318 cr (`32.` cr Treasury & BMU Corporate/Wholesale Banking Retail Banking Unallocated income & inter-segment revenue Total Q1 FY13 42 238 133 1 414 Q1 FY12 (9) 238 135 364 Q4FY12 22 296 121 2 441 FY12 35 997 566 2 1.047 cr as on June 30. CASA deposits as on June 30. 2012: The Board of Directors of Kotak Mahindra Bank (‘Kotak Bank’) took on record the unaudited stand-alone and consolidated results for Q1 FY13. Kotak Mahindra Bank standalone results Bank PAT for Q1 FY13 increased to ` 282 cr from ` 252 cr in Q1 FY12. 2012 grew by 34% to ` 11.600 . Net Interest Income (NII) for Q1 FY13 up 27% yoy to ` 721 cr vs. July 19. 2011. 2012 grew by 68% to ` 5. Deposits as on June 30. 2011).307 cr as on June 30.6%. 2011) across 216 locations and 858 ATMs. Segmental results breakup: Segmental PBT . 2012 were up 31% yoy to ` 42.

699 cr as on June 30. Tier 1 ratio is 16. Consolidated NIM for Q1 FY13 stood at 4. Consolidated advances up 28% to ` 57.406 March 31. 2012 13. 2012 12.867 (35) 1.085 385 126 6 203 22 (11) 36 15 1. 2012 were ` 515 bn (June 30.0% 174.430 June 30.5%.7% 154. minority interest & other adjustments PAT (after minority interest / adjustments) Q1 FY13 282 94 23 6 32 4 (5) 8 4 448 (5) 443 Q1 FY12 252 94 23 1 46 9 (3) 11 3 436 (20) 416 Q4 FY12 297 97 50 5 57 3 3 10 6 528 (7) 521 FY12 1. 2012 from ` 44.9 4.832 . Some of the key consolidated ratios are as under: As on Networth (` cr) Book value per share (`) – Face value ` 5 Net Interest Margin (annualised for the quarter) 180.8% June 30. Consolidated capital adequacy ratio (CAR) excluding profit for Q1 FY13 as per Basel II as on June 30. 2011 ` 517 bn).2%. 2011 11.Consolidated results at a glance Consolidated PAT for Q1 FY13 increased to ` 443 cr from ` 416 cr in Q1 FY12.901 Details of the entity wise profit after tax are as under: ` cr Kotak Mahindra Bank (Standalone) Kotak Mahindra Prime Kotak Securities Kotak Mahindra Capital Company Kotak Mahindra Old Mutual Life Insurance Kotak Mahindra AMC & Trustee Co International subsidiaries Kotak Investment Advisors Kotak Mahindra Investments Total consolidated profit after tax Affiliates. Total assets managed / advised by the Group as on June 30.7% (Q1 FY12 – 5. 2011.049 cr as on June 30.2 4.0%).6 5. 2012 is 17.

In February 2003.com Jaydeep Raval Kotak Mahindra Bank Mobile: +91 96198 66877 jaydeep. For more information. The Group has a wide distribution network through branches and franchisees across India. Mauritius and Singapore. please visit the company’s website at http://www.com For further information.mayekar@bm. to stock broking. From commercial banking. the Group caters to the diverse financial needs of individuals and the corporate sector. Bahrain.About Kotak Mahindra group Established in 1985.4 billion) as on June 30. Abu Dhabi. KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.kotak. life insurance and investment banking. and international offices in London. the Kotak Mahindra group is one of India’s leading financial services conglomerates.raval@kotak. the Group’s flagship company. New York. Kotak Mahindra Finance Ltd. please contact: Rohit Rao Kotak Mahindra Bank Mobile: +91 91679 30026 rohit. received a banking license from the Reserve Bank of India (RBI). mutual funds. With this. 2012. The Kotak Mahindra group has a consolidated net worth of ` 13.rao@kotak. Dubai.com . California. (KMFL).com Twinkle Mayekar Genesis Burson-Marsteller Mobile: +91 98336 84933 twinkle.430 cr (approx US$ 2. The Group offers a wide range of financial services that encompass every sphere of life.