Kotak Mahindra Bank Ltd.

Executive Summary : Mar 2011 - Mar 2020 : Non-Annualised : Rs. Crore

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar
2017 Mar 2018 Mar 2019 Mar 2020
12 mths 12 mths 12 mths 12 mths 12 mths 12 mths 12
mths 12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP IGAAP
-
Total income 5,045.27 7,233.03 9,280.90 10,240.26 11,975.86
19,065.62 21,282.13 23,917.71 28,622.19 32,378.33
Income from financial services 4,957.31 7,167.71 9,200.19 10,101.52
11,717.54 18,864.45 20,873.34 23,418.94 28,284.37 32,009.35
Fee based financial services income 466.55 578.14 737.19 853.08
1,226.29 1,764.36 2,120.67 2,764.54 3,443.93 3,779.25
Fund based financial services income 4,490.76 6,589.57 8,463.00
9,248.44 10,491.25 17,100.09 18,752.67 20,654.40 24,840.44
28,230.10
Interest income 4,189.76 6,180.23 8,042.49 8,767.12 9,719.87
16,384.19 17,698.93 19,748.49 23,890.04 26,929.62
Income from treasury operations 98.28 219.05 271.95 393.65
687.55 635.11 969.96 816.21 822.89 1,159.05
Income from non-financial services 7.13 5.95
5.53 7.84
Other income 66.53 63.56 79.58 92.97 109.99 78.00 151.57 239.62
133.12 179.97
Prior period and extraordinary income 21.43 1.76 1.13 45.77 148.33 116.04
251.27 259.15 199.17 181.17

Total expenses 4,227.09 6,147.98 7,920.18 8,737.74 10,109.88

16,975.84 17,870.63 19,833.41 23,756.86 26,431.15
Fund based financial services expenses 2,145.28 3,667.75 4,836.82
5,223.67 5,496.14 9,620.13 9,712.02 10,413.72 12,684.26
13,520.07
Interest expenses 2,092.18 3,667.75 4,836.82 5,047.06 5,496.14
9,483.81 9,572.78 10,216.81 12,684.26 13,429.95
Treasury operations expenses 53.10 176.61 136.32
139.24 196.91 90.12
Compensation to employees 783.83 902.36 1,075.14 1,172.16
1,466.68 2,816.97 2,768.53 2,950.23 3,183.61 3,911.12
Provisions 105.40 74.32 205.64 147.25 331.05 781.04
706.96 743.34 976.13 2,131.11
Prior period and extraordinary expenses

Provision for direct tax 369.52 514.87 611.34 769.93 966.98

1,033.94 1,736.57 2,133.92 2,520.46 1,857.49

PBPT net of P&E&OI 1,205.14 1,608.92 2,096.99 2,280.96 2,905.69

3,710.72 5,452.19 6,462.79 8,029.63 9,574.64
PBT 1,187.70 1,599.92 1,972.06 2,272.45 2,832.96 3,123.72
5,148.07 6,218.22 7,385.79 7,804.67
Profit after tax (PAT) 818.18 1,085.05 1,360.72 1,502.52 1,865.98
2,089.78 3,411.50 4,084.30 4,865.33 5,947.18
PAT net of P&E 796.75 1,083.29 1,359.59 1,456.75 1,717.65
1,973.74 3,160.23 3,825.15 4,666.16 5,766.01

Total liabilities 50,850.66 65,666.79 83,693.68 87,627.66 1,06,076.07

1,92,385.75 2,14,735.89 2,65,076.66 3,12,332.68 3,60,387.48
Shareholders' funds 6,833.39 7,980.75 9,464.49 12,283.62 14,144.09
23,962.46 27,617.94 37,483.82 42,900.44 49,018.17
 Paid up equity capital 368.44 370.34 373.30 385.16 386.18
917.19 920.45 952.82 954.38 956.52
Reserves and funds 6,464.95 7,610.41 9,091.19 11,898.46 13,757.91
23,045.27 26,697.49 36,531.00 41,446.06 47,561.65
Deposits 29,260.96 38,536.52 51,028.77 59,072.33 74,860.31 1,38,643.02
1,57,425.86 1,92,643.26 2,25,880.36 2,62,820.52
Borrowings 11,723.95 16,595.52 20,410.62 12,895.57 12,149.72
20,975.34 21,095.48 25,154.15 32,248.30 37,993.31
Current liabilities & provisions 3,032.36 2,554.00 2,789.80 3,333.83
4,857.97 8,678.96 8,450.67 9,652.15 11,142.99 10,419.68

Contingent liabilities 34,340.04 38,407.82 40,106.75 43,813.59 63,602.29

2,42,522.29 1,92,958.64 2,04,936.05 2,11,945.93 1,87,177.34

Net worth 6,833.39 7,980.75 9,464.49 12,283.62 14,144.09 23,962.46

27,617.94 37,483.82 42,400.44 48,518.17
Tangible net worth 6,809.92 7,948.63 9,435.00 12,244.83 14,113.45
23,896.09 27,536.38 37,395.27 42,050.85 48,110.89

Total assets 50,850.66 65,666.79 83,693.68 87,627.66 1,06,076.07

1,92,385.75 2,14,735.89 2,65,076.66 3,12,332.68 3,60,387.48
Net fixed assets 425.60 449.96 464.42 1,106.94 1,206.71
1,551.59 1,537.64 1,527.16 1,651.55 1,623.14
Investments 17,121.43 21,566.80 28,873.43 25,484.55 28,659.11
51,260.22 45,074.18 64,562.34 71,189.08 75,051.55
Current assets 3,771.49 4,392.85 5,687.33 7,825.99 9,916.28
20,251.58 31,648.40 28,931.68 33,458.49 63,511.47
Loans & advances 29,332.51 39,079.24 48,468.98 53,027.64 66,160.71
1,19,012.54 1,36,082.13 1,69,717.92 2,05,694.81 2,19,748.18
Cash and bank balance 2,476.45 2,648.60 3,702.71 5,995.50 6,284.85
10,888.38 22,618.11 19,644.24 24,675.54 53,293.64
Gross fixed assets 831.80 955.41 1,090.05 1,877.51 2,145.82
3,455.85 3,692.75 3,728.04 3,636.53 3,676.30

Profitability ratios (%)

Operating profit margin 24.31 22.45 22.79 22.58 24.80 19.67 26.12 27.60 28.39
29.91
Net profit margin 15.86 14.98 14.65 14.29 14.52 10.42 15.03 16.17 16.42 17.91
Return on net worth 14.01 14.63 15.59 13.40 13.00 10.36 12.25 11.75 11.68 12.68
Return on total assets 1.80 1.86 1.82 1.70 1.77 1.32 1.55 1.59 1.62
1.71
Return on capital employed 5.45 5.02 4.99 5.29 6.67 5.54 6.75 6.87 6.77
7.11

Average cost of funds (%) 5.89 7.63 7.64 7.04 6.91 7.69 5.66 5.16 5.33
4.81

Efficiency ratios
Total income / total assets 0.114 0.124 0.124 0.120 0.124 0.128 0.105 0.100 0.099
0.096
Total income / compensation to employees 6.409 8.014 8.631 8.697 8.064 6.727
7.596 8.019 8.928 8.232
Interest income of bank as % of working funds 9.31 10.41 10.69 10.51 10.31 9.36
8.97 8.38 8.33 8.45
Operating profit of bank as % to working funds 2.86 2.79 2.87 3.09 3.18
2.31 3.03 3.04 2.90 3.14
Net interest income / interest earned 50.064 40.654 39.859 42.432
43.455 42.116 45.913 48.265 46.906 50.129