Kotak Mahindra Bank Limited · NSE:KOTAKBANK
Kotak Mahindra Bank — Q3 FY2008 Earnings Presentation
13 slides from Kotak Mahindra Bank's earnings presentation, Jan 21, 2008
Slide 1: Earnings Update – Q3FY08 Unaudited Results
Earnings Update – Q3FY08 Unaudited Results January 21, 2008
Slide 2: Performance Highlights
Performance Highlights • Consolidated PAT (excl Life Insurance) up 108% to Rs 3,797.1 mn in Q3 FY08 from Rs 1,825.9 mn in Q3 FY07. Including Life Insurance, consolidated PAT up 115% to Rs 3,637.3 mn in Q3 FY08 from Rs 1,695.8 mn in Q3 FY07. • Consolidated advances up 56 % YoY to Rs 214 bn as on Dece
Slide 3: Consolidated Financials
Consolidated Financials Revenues Rs million Q3FY08 Q3FY07 Q2FY08 YTD FY08 YTD FY07 Growth FY07 (3 months) (3 months) (3 months) (9 months) (9 months) (%) (12 months) Financing activities 6,973.6 4,056.1 5,962.7 18,181.2 10,279.8 76.9% 14,820.3 Fee Income* 5,274.7 3,153.7 4,577.1 12,691.3 7,557.6 67.
Slide 4: Consolidated Financials – Assets and Liabilities
Consolidated Financials Assets Rs million As on As on Growth (%) As on Dec 31, 2007 Dec 31, 2006 YOY March31, 2007 Advances • Commercial vehicles & Construction equipments 33,514 23,904 40% 25,781 • Auto loans 43,282 32,891 32% 36,108 • Personal loans 28,654 16,800 71% 19,763 • Home loans 23,020 15,
Slide 5: Consolidated Financials – Analytical Ratios
Consolidated Financials Analytical Ratios As on As on As on December 31, 2007 December 31, 2006 March 31, 2007 Net-worth (Rs mn) 56,091 30,889 32,330 Book value per share (Rs) 163.0 94.8 99.1 Net Interest Margin (%) 5.7% 5.2% 5.2% Net NPAs (%) (excluding stressed assets portfolio) 0.33% 0.22% 0.17%
Slide 6: Kotak Mahindra Bank – Standalone
Kotak Mahindra Bank – Standalone Rs million Q3FY08 Q3FY07 Q2FY08 YTD FY08 YTD FY07 Growth FY07 Revenues (3 months) (3 months) (3 months) (9 months) (9 months) (%) (12 months) Lending 5,127.6 2,371.3 3,790.0 12,220.4 5,960.0 105.0% 9,164.4 Corporate Banking 2,017.5 1,053.2 1,730.2 4,970.2 2,693.8 84.
Slide 7: Kotak Mahindra Bank – Standalone Assets and Liabilities
Kotak Mahindra Bank– Standalone Assets Rs million As on As on Growth (%) As on December 31, 2007 December 31, 2006 YOY March 31, 2007 Advances • Commercial vehicles & Construction equipments 33,514 23,904 40% 25,781 • Personal loans 26,690 16,800 59% 19,553 • Home loans 23,020 15,771 46% 17,533 • Co
Slide 8: Bank Performance Highlights
Bank Performance Highlights • As on December 31, 2007, the Bank had 149 full-fledged bank branches (90 branches as on December 31, 2006) across 100 locations and 240 ATMs. • Bank plans to reach 250 branches in CY 2008. • Net Interest Income (NII) of the Bank (Standalone) for Q3FY08 was up 103%% YoY
Slide 9: Key Subsidiaries – Highlights
Key Subsidiaries – Highlights Kotak Mahindra Prime – car finance, other lending Rs million Q3 FY08 Q3 FY07 Q2 FY08 YTD FY08 YTD FY07 FY07 (3 months) (3 months) (3 months) (9 months) (9 months) (12 months) Profit before taxes 545.4 154.6 288.6 1032.0 475.3 842.5 Profit after tax 373.7 108.8 192.5 703
Slide 10: International Subsidiaries
International Subsidiaries Rs million Q3 FY08 Q3 FY07 Q2 FY08 YTD FY08 YTD FY07 FY07 (3 months) (3 months) (3 months) (9 months) (9 months) (12 months) Profit before taxes 457.3 236.6 90.2 651.7 353.8 466.6 Profit after tax 336.0 196.3 59.4 467.6 270.8 350.1 • As on December 31, 2007, assets managed
Slide 11: Kotak Securities – stock broking
Kotak Securities – stock broking Rs million Q3FY08 Q3FY07 Q2FY08 YTD FY08 YTD FY07 FY07 (3 months) (3 months) (3 months) (9 months) (9 months) (12 months) Total income 4,209.4 2,386.0 3,121.1 9,477.6 6,006.9 8,339.3 Profit before tax 2,123.4 1,119.3 1,376.4 4,337.7 2,610.8 3,651.2 Profit after tax 1
Slide 12: Kotak Mahindra Asset Management Company and Trustee Company
Kotak Mahindra Asset Management Company and Trustee Company – asset management Rs million Q3FY08 Q3FY07 Q2FY08 YTD FY08 YTD FY07 FY07 (3 months) (3 months) (3 months) (9 months) (9 months) (12 months) Total income 189.7 137.5 181.3 518.9 405.9 544.3 Profit before tax (AMC) 21.3 18.0 30.7 85.8 104.5
Slide 13: Safe Harbor
Safe Harbor This document contains certain forward- looking statements based on current expectations of Kotak Mahindra management. Actual results may vary significantly from the forward- looking statements contained in this document due to various risks and uncertainties. These risks and uncertainti
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