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Kotak Mahindra Bank Q4 PAT slides 14% YoY to ₹ 3,552-cr 
(17:59, 03 May 2025)
However, total income rose 9.33% year on year (YoY) to ₹ 16,712.23 crore in the quarter ended 31 March 2025.

Profit before tax stood at ₹ 4,562.82 crore in the fourth quarter of FY25, down 12.21% from ₹ 5,197.83 crore posted in the same quarter last year.

Net Interest Income (NII) for Q4 FY25 increased to ₹ 7,284 crore, up 5% from ₹ 6,909 crore recorded in Q4 FY24. Net interest margin (NIM) was 4.97% for Q4 FY25.

The bank's operating profit rose marginally to ₹ 5,472 crore in Q4 FY25 as against ₹ 5,462 crore posted in Q4 FY24.

Fees and services grew by 6% YoY to ₹ 2,616 crore in the quarter ending 31 March 2025. Customers as of 31 March 2025 were at 5.3 crore as compared to ₹ 5 crore as of 31 March 2024.

Customer assets, comprising advances (including IBPC and BRDS) and credit substitutes, increased by 13% YoY to ₹ 4,77,855 crore as of 31 March 2025, compared to ₹ 4,23,324 crore as of 31 March 2024. Within this, advances (including IBPC and BRDS) rose by 13% YoY to ₹ 4,44,316 crore as of 31 March 2025, up from ₹ 3,91,729 crore as of 31 March 2024.

On the asset quality front, the gross non-performing asset (GNPA) ratio was 1.42% as of 31 March 2025, compared to 1.50% as of 31 December 2024 and 1.39% as of 31 March 2024.

The net non-performing assets (NNPA) ratio was 0.31% as of 31 March 2025, compared to 0.41% as of 31 December 2024 and 0.34% as of 31 March 2024.

The provision coverage ratio stood at 78% in Q4 FY25. During the quarter, slippages were at ₹ 1,488 crore from ₹ 1,305 crore reported in the same period a year ago.

The capital adequacy ratio of the bank, as per Basel III, as at 31 March 2025, was 22.2%, and the CET1 ratio was 21.1%. Return on assets (ROA) for Q4 FY25 (annualized) was 2.19%.

On a consolidated basis, the bank's PAT for Q4 FY25 was ₹ 4,932.76 crore, down 7.57% YoY from ₹ 5,337.20 crore in Q4 FY24. At the consolidated level, the return on assets (ROA) for Q4 FY25 (annualized) was 2.73% and the return on equity (ROE) for Q3 FY25 (annualized) stood at 12.90%.

The bank's average liquidity coverage ratio stood at 135% for the quarter ending 31 March 2025.

Consolidated net worth as at 31 March 2025 was at ₹ 157,395 crore (including an increase in reserves due to RBI's Master Direction on investment valuation of ₹ 5,630 crore and gain on Kotak General Insurance (KGI) divestment of ₹ 3,013 crore).

Total assets under management as at 31 March 2025 were ₹ 669,885 crore, up 20% YoY from ₹ 560,140 crore as at 31 March 2024. The domestic MF equity AUM increased by 27% YoY to ₹ 313,084 crore as of 31 March 2025.

Meanwhile, the company's board has recommended a dividend of ₹ 2.50 per equity share for the year ended 31 March 2025, subject to approval of shareholders.

Kotak Mahindra Bank is the flagship company of the Kotak Group and has diversified operations covering commercial vehicle financing, consumer loans, corporate finance, and asset reconstruction. Through its subsidiaries, the bank is engaged in investment banking, equity broking, securities-based lending, and car finance.

Shares of Kotak Mahindra Bank shed 0.94% to end at ₹ 2,185 on Friday, 02 May 2025.

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  • out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
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Source:
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