Kotak Mahindra Bank Ltd.

CRAR, Ratios & Exposure to Sensitive Sectors : 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
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Capital adequacy disclosures
Capital adequacy ratio (%) (Time series) 18.73 16.51 16.05 18.83 17.17 16.34
16.77 18.22 17.45 17.89
Tier-1 (%) (Time series) 16.91 14.84 14.71 17.77 16.18 15.28 15.90 17.56 16.93
17.27
Tier-2 (%) (Time series) 1.82 1.67 1.34 1.06 0.99 1.06 0.87 0.66 0.52
0.62

Capital adequacy ratio (amount) (Time series) 7,072.02 8,384.59 9,791.99

12,569.54
Tier-1 (amount) (Time series) 6,386.02 7,533.92 8,977.43 11,859.60

Tier-2 (amount) (Time series) 686.00 850.67 814.56 709.94

Sub-ordinate debt 802.38 975.64 940.98 887.62 899.25

1,776.01 1,207.08 926.90 456.00 456.00
Sub-ordinate debt tier-2 802.38 975.64 940.98 887.62 899.25
1,776.01 1,207.08 926.90 456.00 456.00

Business ratios
Interest income as a % to working funds 9.31 10.41 10.69 10.51 10.31 9.36 8.97
8.38 8.33 8.45
Non-interest income as a % to working funds 137.00 1.65 1.54 1.68 2.15
1.49 1.76 1.72 1.60 1.69
Operating profit as a % to working funds 2.86 2.79 2.87 3.09 3.18 2.31
3.03 3.04 2.90 3.14
Return on assets (%) 1.77 1.83 1.81 1.80 1.98 1.19 1.73 1.73 1.69 1.87
Business (deposits plus advances) per employee 5.35 6.13 6.86 6.78 7.05
7.51 8.35 9.04 9.96 9.36
Profit/Loss per employee 0.08 0.09 0.10 0.10 0.11 0.07 0.11 0.12 0.12
0.13
Provisioning coverage ratio (%) 68.21 55.50 56.80 63.68 61.38 65.68
71.93 76.30

Miscellaneous disclosures for banks

Credit deposit ratio (%) 86.40 88.10 91.10
83.60
Net interest margin (NIM) (%) 5.20 4.70 4.60 4.97 4.87 4.30 4.50 4.40
4.20 4.60
Interest spread (amount) 3,205.67 3,720.05 4,223.74
6,900.37 8,126.15 9,531.69 11,205.80 13,499.66
Average return on advances (%)
Average cost of deposits (%)
Number of ATMs 710.00 848.00 961.00 1,103.00 1,273.00
2,032.00 2,163.00 2,199.00 2,352.00 2,519.00
Number of branches 321.00 355.00 438.00 605.00 684.00
1,333.00 1,369.00 1,388.00 1,500.00 1,600.00
Number of employees 11,000.00 12,000.00 13,500.00 16,000.00 24,008.00
31,410.00 33,013.00 35,717.00 41,753.00 50,034.00
Lending to sensitive sectors 10,001.01 10,884.45 13,596.89 14,231.23
17,095.51 25,013.41 28,294.91 36,088.14 40,347.66 46,194.92
Capital market sector 1,012.91 1,052.08 1,281.86 1,416.14 2,260.85
3,334.25 4,420.12 7,249.50 6,800.09 6,876.17
Real estate sector 8,988.10 9,832.37 12,315.03 12,815.09 14,834.66
21,679.16 23,874.79 28,838.64 33,547.57 39,318.75
Commodities sector

Total provisions & contingencies (adv, npas, invest & taxes) 506.61 569.94
795.89 1,074.63 1,131.48 1,951.30 2,573.31 3,073.87
3,482.85 4,073.65
Provision for NPAs 100.74 74.32 204.44 147.25 193.54 706.45
614.41 624.81 844.15 1,405.55
Provision for depreciation of investments 53.10 -18.05 -21.09 176.61
-166.36 136.32 139.24 196.91 -13.74 90.12
Provisions for standard assets 64.67 41.36 85.95 112.65
114.70 70.32
Provision for standard assets ii
Provision for income tax/wealth tax 360.93 493.18 632.92 741.82
896.03 1,036.26 1,800.31 2,080.60 2,504.34 1,996.67
Provision for deferred tax 8.59 21.69 -21.58 28.11 70.95 -2.32 -63.74
53.32 16.12 -139.18
Provisions for other taxes
Floating provisions
Additional prov. for transition to 90 days norms for adv

Depreciation/amort. of premium of sec held under HTM

Other provisions and contingencies -16.75 -1.20 1.20 -19.16 72.65

33.23 -2.86 5.58 17.28 650.17