Kotak Mahindra Bank Limited · NSE:KOTAKBANK
Kotak Mahindra Bank — Q1 FY2027 Earnings Presentation
26 slides from Kotak Mahindra Bank's earnings presentation, Jul 18, 2026
Slide 1: Transforming for scale
Transforming for scale Investor Presentation Q1FY27 Presentation on financial results for the Period ended 30th June, 2026 18th July, 2026
Slide 2: Consolidated Highlights
Consolidated Highlights Q1FY27 PAT ₹ 5,480 cr 23% ROA 2.18% ROE 11.90% Q1FY26 ₹ 4,472 cr 2.03% 11.13% As at Customer AUM Customer Assets* CAR# CET-I# Book Value / Share^ Jun’26 ₹ 805,531 cr 8% ₹ 645,812 cr 16% 22.9% 22.6% ₹ 189 14% Jun’25 ₹ 747,404 cr ₹ 557,369 cr 23.7% 22.7% ₹ 166 *Customer Assets
Slide 3: Kotak Group PAT – Q1FY27
Kotak Group PAT – Q1FY27 ₹ cr Q1FY27 Q1FY26 Q4FY26 YoY QoQ PAT Contribution Kotak Mahindra Bank 4,123 3,282 4,027 26% 2% (Bank & Subsidiaries) Kotak Mahindra Prime 354 272 240 30% 48% Kotak Mahindra Investments 113 107 115 6% (2%) Q1FY27 Kotak Infrastructure Debt Fund 14 14 16 - (12%) BSS Sonata Mic
Slide 4: Kotak Group Networth & ROE
Kotak Group Networth & ROE Networth Contribution Networth Contribution ₹ cr PAT Q1FY27 Networth Jun’26 ROE CET I (Bank & Subsidiaries) Kotak Mahindra Bank 4,123 140,924 22.4% Kotak Mahindra Prime 354 11,496 23.1% Kotak Mahindra Investments 113 4,355 38.2% Kotak Infrastructure Debt Fund 14 647 42.5%
Slide 5: Kotak Group - Customer Assets Under Management
Kotak Group - Customer Assets Under Management Total: ₹ 805,531 cr 8% Total: ₹ 747,404 cr Domestic MF Equity Domestic MF Equity 357,323 405,839 Domestic MF Debt Domestic MF Debt 197,879 192,866 30th Jun, 30th Jun, 2026 2025 NPS & PMS NPS & PMS 16,254 12,301 Offshore Funds Offshore Funds 43,615 48,71
Slide 6: Bank Highlights
Bank Highlights Q1FY27 PAT ₹ 4,123 cr 26% 4.53% NIM ROA 2.14% Cost / Income 45.6% Credit Cost* 0.46% Q1FY26 46.2% ₹ 3,282 cr 4.65% 1.94% 0.93% As at Customer Assets# Deposits CAR^ CET-I ^ Jun’26 ₹ 570,901 cr 16% ₹ 572,820 cr 12% Net NPA 0.27% CASA Ratio 40.3% 22.8% 22.4% Jun’25 ₹ 492,972 cr ₹ 512,83
Slide 7: Profit and Loss Statement – Q1FY27
Profit and Loss Statement – Q1FY27 ₹ cr Q1FY27 Q1FY26 Q4FY26 YoY QoQ Notes Net Interest Income 7,928 7,259 7,876 9% 1% Other Income 3,338 3,080 3,116 8% 7% Q1FY27: Employee cost includes hit in retiral benefits due to 2,500 2,249 2,767 11% (10%) movement in discount rates: ~ ₹ 100 cr (Q4FY26: revers
Slide 8: Balance Sheet
Balance Sheet ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 Capital & Reserves and Surplus 140,924 123,428 135,199 Cash, Bank and Call 44,620 43,080 84,089 Deposits 572,820 512,838 572,456 Investments 191,852 182,292 172,535 of which, CASA 231,017 209,645 247,723 Net Advances
Slide 9: Deposits
Deposits CASA EOP (₹ cr) Averages Q1FY27 YoY % Q1FY26 CASA % 40.3% 40.9% 43.3% Total Deposits 558,891 14% 491,998 13,662 13,288 13,707 129,067 132,369 Current Account 78,107 15% 67,808 114,657 Fixed rate Savings 125,061 16% 107,450 Account 88,288 81,700 101,647 Floating rate -18% 13,731 16,737 Savin
Slide 10: Customer Assets
Customer Assets ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 YoY QoQ Advance Mix – 30th June, 2026 Retail Banking 202,842 180,621 201,468 12% 1% Home Loans & LAP 150,903 131,792 150,945 15% - PL, BL and Consumer Retail 25,589 24,368 25,672 5% - Durables 12% Credit Cards 12,788 12,924 12,294 (1%) 4% 39% Retail
Slide 11: Asset Quality
Asset Quality ₹ cr Q1FY27 Q1FY26 Q4FY26 ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 Opening GNPA 6,018 6,134 6,320 GNPA (%) 1.18% 1.48% 1.20% Fresh Slippages 1,321 1,812 1,018 NNPA (%) 0.27% 0.34% 0.25% Upgradations & Recoveries 565 549 680 PCR (%) 78% 77% 79% Write-offs 652 759 640 GNPA 6,122 6,638 6,018 Cl
Slide 12: Bank’s Financial Health Indicators
Bank’s Financial Health Indicators Particulars Q1FY27 Q1FY26 Q4FY26 NIM 4.53% 4.65% 4.67% Cost of Funds 4.46% 5.01% 4.45% Profitability Return on Equity 11.98% 10.94% 12.27% Return on Assets 2.14% 1.94% 2.14% Cost to Income 45.6% 46.2% 46.7% Efficiency Cost to Assets 2.66% 2.83% 2.73% CD Ratio 89.4%
Slide 13: Kotak Mahindra Prime
Kotak Mahindra Prime Customer Assets^ (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 NII 615 568 613 2,348 45,960 44,933 YoY: 11% 41,469 9,633 9,035 Other Income 257 177 91 569 QoQ: 2% 7,323 -Of which MTM on OIS 67 18 (68) (63) NII and Other Income 872 745 704 2,917 36,327 34,146 35,898 Profit Before Tax 473
Slide 14: Kotak Securities
Kotak Securities KS Cash ADV (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 Total Income 1,809 1,446 1,499 5,705 YoY: 20% QoQ: 21% -Of which Investment Income 173 143 13 237 9,213 7,662 7,636 7,118 Profit After Tax 533 465 400 1,642 Cash Market Share* (%) 10.4 10.1 9.8 9.9 Q1FY27 Q1FY26 Q4FY26 FY26 Derivativ
Slide 15: Kotak Mahindra AMC & Trustee Co.
Kotak Mahindra AMC & Trustee Co. Average Assets Under Management (₹ cr) - Overall ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 Profit After Tax 399 326 184 1,082 YoY: 16% QoQ: 2% - Of which Investment 152 119 (57) 167 609,499 599,283 Income* 570,041 525,829 *Net of taxes Key Highlights Q1FY27 Q1FY26 Q4FY26 FY26 •
Slide 16: Kotak Mahindra Life Insurance
Kotak Mahindra Life Insurance Gross Written Premium (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 3,674 2,861 9,207 21,441 Capital & Reserves and 6,801 6,437 6,738 6,738 1,501 YoY: 28% 1,344 Surplus 4,783 10,904 Total Premium 3,674 2,861 9,207 21,441 1,499 965 5,967 2,592 PAT(Shareholders’) 336 327 90 628 2
Slide 17: Building on the Power of a Diversified Financial Conglomerate
Building on the Power of a Diversified Financial Conglomerate Four Engines of growth that enables us to meet Our conglomerate structure helps retain profitability customer needs across the financial spectrum within the group by capturing shifting financial trends through cycles Consolidated PAT con
Slide 18: Focus Customer Segments : Individual Customers
Focus Customer Segments : Individual Customers served through curated propositions HNI : Private Banking + Solitaire Core India : Kotak811 Proposition: Proposition: Group-wide holistic suite of offerings across full range of banking & insurance Serving Core India (a billion Indians) through fully di
Slide 19: Focus Customer Segments : Non - Individual Customers
Focus Customer Segments : Non - Individual Customers served through curated propositions SME Institutional Proposition: Proposition: Relationship-led banking proposition for delivering end-to-end solutions across A fully integrated platform delivering balance-sheet, capital market and advisory worki
Slide 20: Independent Product Businesses within the Bank
Independent Product Businesses within the Bank Tractor Finance Commercial Vehicle / Construction Equipment Portfolio characteristics: Portfolio characteristics: • Highly granular, fixed-rate and secured book • Fixed-rate, secured lending with strong dealer / OEM ecosystems • Deep rural reach (600+ d
Slide 21: Geographical Presence
Geographical Presence Group Branches distributed across various geographies Bank Branch Classification Bank Branch Distribution (No. | %) (No. | % ) Network in India Branches Metro 1,063 | 46% North 732 | 32% Urban 491 | 22% East 195 | 8% Kotak Bank 2,301 Semi Urban 329 | 14% West 708 | 31% Rural 41
Slide 22: Creating Value for our Stakeholders
Creating Value for our Stakeholders Customers: The Heart of Our Business Getting it right by our customers by understanding their needs and stitching together relevant product propositions drawn from capabilities across the Group companies will help us become primary Banking relationship for our Cus
Slide 23: Annexure
Annexure 23
Slide 24: Kotak - A Diversified Financial Conglomerate
Kotak - A Diversified Financial Conglomerate All subsidiaries are 100% beneficially owned by the Bank Kotak Mahindra Bank Kotak Securities Bank Capital Stock Broking Kotak Mahindra Capital Company Kotak Mahindra Prime Market Investment Banking Car and Two-Wheeler Loans Banking & Kotak Mahindra Trust
Slide 25: ESG at Kotak
ESG at Kotak Environment Social Governance ➢ 21 LEED/IGBC-certified premises, housing 29% of ➢ Gender diversity target of 30%# by FY 2028-29 ➢ ISO/IEC 27001 certified Information security the workforce^ ➢ 33% Reduction in Complaint Resolution TAT$ management system ➢ Use of renewable energy at key c
Slide 26: Disclaimer
Disclaimer Equity This presentation is for information purposes only and does not constitute an offer, 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 connect
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