Kotak Mahindra Bank Limited · NSE:KOTAKBANK
Kotak Mahindra Bank — Investor Presentation (April 2017)
34 slides from Kotak Mahindra Bank's investor presentation, Apr 27, 2017
Slide 1: Kotak Mahindra Group Investor Presentation
Kotak Mahindra Group Investor Presentation Annual Update – FY17 April 27, 2017
Slide 2: Kotak - Concentrated India; Diversified Financial Services
Kotak - Concentrated India; Diversified Financial Services KOTAK MAHINDRA BANK Commercial Bank & Holding Company Kotak Kotak Mahindra Kotak Investment Kotak Mahindra Mahindra Kotak Securities Investments Advisors Capital Company Prime ∞ Car Finance ∞ Investments ∞ Alternate Assets ∞ Investment ∞ Sto
Slide 3: The Journey So far
The Journey So far… Acquired Bill Investment Mutual Alternate Scheme of Discount Banking Fund Securities Assets Pinebridge MF 1985 1991 1998 2001 2004 2014 1990 1992 2000 2003 2008 2015 Auto IPO Life BANK ARC ING Vysya Finance Insurance Merger Kotak Mahindra General Insurance 2016 – Acquisition of B
Slide 4: Present Across the Entire Value Chain
Present Across the Entire Value Chain Platform with Wide Product Portfolio Corporate Banking Commercial Banking Consumer Banking Non-Banking ∞ Corporate Loans ∞ Agriculture Finance ∞ Auto Loans ∞ Mutual Funds ∞ Trade Finance ∞ Tractor Finance ∞ Home loans, LAP ∞ Alternate Assets ∞ Commercial Real Es
Slide 5: Pan India Presence
Pan India Presence Branches 1,369 [No./%] 2 North 9 405/30% * 70 8 47 98 West East 425/31% 82/6% 1 64 55 4 14 1 South 1 129 36 8 457/33% 36 16 Branch Classification 2 17 288 83 6 108 No of ATMs 155 79 2,163 32 ^ 5 * & ^ includes 7 & 2 branches in Chandigarh & Puducherry respectively
Slide 6: Integration of ING Vysya – Success Story
Integration of ING Vysya – Success Story Employee Interest & Satisfaction Customer Experience ∞ Best man for the job ∞ Products & pricing alignment ∞ Exhaustive training on products, processes, ∞ Cross-network interoperability for crucial systems transactions Key ∞ Culture harmonisation initiatives
Slide 7: Kotak Uniqueness – Strengths
Kotak Uniqueness – Strengths An integrated Ability to identify Strong brand and Strong and capitalise on Prudent risk leadership in governance and diversified opportunities management various culture with business model capabilities businesses experienced management ∞ Balance sheet, ∞ Relative ∞ Gui
Slide 8: Strategic Focus
Strategic Focus ∞ Focusing on existing offerings by leveraging the existing customer base across Expanding market share in group Indian financial services ∞ Capitalising on diversification across financial products & services coupled with industry with our cross group expertise and strong organisati
Slide 9: Our Board of Directors and Executive Board
Our Board of Directors and Executive Board Dr. Shankar Former Chief Economic Advisor, Ministry of Finance, GOI Acharya Non Exec Chairman Prof. Mark Farida Uday Kotak Dipak Gupta C Jayaram Mahendra Amit Desai Prakash Apte Uday Khanna Newman Khambata Dev VC & MD Jt MD Non Exec Non Exec Non Exec Non Ex
Slide 10: Bank Shareholding Pattern
Bank Shareholding Pattern Continuously Increasing Interest from Institutions Sr. No Name of the shareholder % To Equity 1 CANADA PENSION PLAN INVESTMENT BOARD 6.26% 2 EUROPACIFIC GROWTH FUND 4.98% 3 ING MAURITIUS INVESTMENTS I 3.87% 4 FIRST STATE INVESTMENTS 2.05% 5 SUMITOMO MITSUI BANKING CORPORATI
Slide 11: Key Awards
Key Awards Mr. Uday Kotak Company of the Year Mr. Uday Kotak Best Corporate & World Entrepreneur 2016 Businessman of The Investment Bank Of The Year Year 2016 Asiamoney Best Bank Ernst & Young World The Economic Times Business India Awards 2017 - India Entrepreneur Of The Year Awards for Corporate A
Slide 12: Focus on Digital
Focus on Digital 12
Slide 13: Instant A/c opening anytime & anywhere: 811
Instant A/c opening anytime & anywhere: 811 India’s First Downloadable Bank Launched successfully across Account: Install Kotak Mobile banking country on 29th Mar 2017 App, open Account & start transacting Aadhaar OTP based account opening and Real time activation with instant CRN & Account number I
Slide 14: Digital – Best In Class Experience
Digital – Best In Class Experience Mobile Banking app rated 4.5 on Google Play Store Q4FY17 Recurring Deposit ~58% sourced digitally MOBILE BANKING GROWTH Term Deposit sourced ~63% digitally 38% 143% 138% Value Value Volume Digital Share of (Mar’17 v/s Dec’16) (Mar’17 v/s Mar’16) (Mar’17 v/s Mar’16)
Slide 15: Lifestyle made easy with Mobile App & Payments
Lifestyle made easy with Mobile App & Payments Payments highlights 811 – Account Opening through ` 6,700 Monthly transactions on Mobile MB Cr crossed (Mar’17) Total Payment Gateway 115% transactions Value growth (Mar’17 v/s Mar’16) UPI Total Payment Gateway 68% transactions growth (Mar’17 v/s Mar’16
Slide 16: Digital Update – Subsidiaries
Digital Update – Subsidiaries • Mobile app ADV grew • 37% of Individual • 20% policies in Q4 GENERAL INSURANCE by 57% in Q4FY17 v/s Policies in Q4FY17 FY17 sourced through LIFE INSURANCE Q4FY16 sourced through Genie digital channels SECURITIES - 74% Policies sourced • Customers can chat through Geni
Slide 17: Consolidated Overview
Consolidated Overview 17
Slide 18: Consolidated Highlights – FY17
Consolidated Highlights – FY17 PAT CAR^ LOANS* BOOK VALUE PER SHARE 16.8% [16.3%] ` 4,940cr Tier I ^ ` 167,125 cr ` 209.1 [` 3,459 cr] 15.9% [` 144,793 cr] [` 181.9] [15.3%] NIM NETWORTH NET NPA TOTAL ASSETS 4.5% ` 38,491 cr 1.09% ` 276,188 cr [4.4%] [` 33,361 cr] [0.93%] [` 240,804 cr] Figures in [
Slide 19: Consolidated Advances, AUM & Investments
Consolidated Advances, AUM & Investments Advances - 31-Mar-17 (` 167,125 cr) AUM - 31-Mar-17 (` 141,336 cr) 1,592 19,352 14% 1% 24,600 60,982 17% 43% 5% 7,240 20% 27,569 Domestic MF Debt Domestic MF Equity Alternate Asset Offshore Funds Insurance PMS ` cr FY17 FY16 FY15 Total Advances 167,125 144,79
Slide 20: PAT
PAT ` cr FY17 FY16 FY15 Kotak Mahindra Bank 3,411 2,090 1,866 Kotak Mahindra Prime 515 502 507 Kotak Mahindra Investments 196 154 106 Kotak Securities 361 251 290 Kotak Mahindra Old Mutual Life Insurance 303 251 229 Kotak Mahindra Group – Consolidated PAT FY17 FY16 FY15 4,940 3,459 3,045 20
Slide 21: Networth
Networth ` cr FY17 FY16 FY15 Kotak Mahindra Bank 27,616 23,959 14,141 Kotak Mahindra Prime 4,227 3,853 3,351 Kotak Mahindra Investments 1,038 841 617 Kotak Securities 2,996 2,635 2,384 Kotak Mahindra Old Mutual Life Insurance 1,825 1,521 1,271 Kotak Mahindra Group – Consolidated Networth FY17 FY16 F
Slide 22: Bank’s (Standalone) Overview
Bank’s (Standalone) Overview 22
Slide 23: Advances & Investments
Advances & Investments 31-Mar-17 (` 136,082 cr) Advances ` cr 31-Mar-17 31-Mar-16 31-Mar-15 Corporate Banking 41,703 34,278 20,299 CV/CE 10,827 7,873 5,500 Agriculture Division 18,969 17,583 11,810 Business Banking 17,884 17,997 6,422 Home Loans and LAP 26,121 23,009 14,709 Small Business, PL & 17,3
Slide 24: Branches & Deposits
Branches & Deposits CASA (` cr) Highlights CASA % 44.0% 38.1% 36.4% 1,369 branches as on 31st Mar, 2017 41,504 CASA and TDs below ` 5 cr constitute 73% of total 29,495 deposits as on 31st Mar, 2017 TDs below ` 1 cr were ` 14,036 39,034 cr as on 31st Mar, 2017 27,761 23,282 TD Sweep deposits:
Slide 25: Income and Asset Quality
Income and Asset Quality NII (` cr) and NIM Asset Quality Restructured loans considered standard 9,000 4.5% 6.0% 4.9% 5.8% 5.6% 5.4% ` 102 cr as on 31st Mar, 2017 8,000 5.2% 7,000 8,126 4.3% 5.0% 4.8% 0.07% of net advances 4.6% 4.4% 6,000 4.2% 4.0% SMA2 outstanding - ` 131 cr as on 31st 6,901
Slide 26: Profit and Loss Account
Profit and Loss Account ` cr FY17 FY16 FY15 Net Interest Income 8,126 6,901 4,224 Other Income * 3,477 2,612 2,028 Net Total Income 11,603 9,513 6,252 Employee Cost # 2,745 2,804 1,450 Other Operating Expenses 2,874 2,668 1,805 Operating Expenditure 5,619 5,472 3,255 Operating Profit 5,985 4,041 2,9
Slide 27: Balance Sheet
Balance Sheet ` cr FY17 FY16 FY15 Networth 27,616* 23,959 14,141 Deposits 157,426 138,643 74,860 CA 27,761 23,282 13,181 SA 41,504 29,495 14,036 Term Deposits 88,161 85,866 47,643 Of which: TD Sweep 10,079 6,947 5,440 Borrowings 21,095 20,975 12,150 Other Liabilities and Provisions 8,453 8,683 4,861
Slide 28: Key Subsidiaries’ Overview
Key Subsidiaries’Overview 28
Slide 29: Kotak Mahindra Prime
Kotak Mahindra Prime Customer 30,000 Assets* (` cr) & NNPA (%) 0.60% 0.55% 25,000 18,178 0.50% 20,000 16,707 14,726 0.45% 15,000 0.40% 0.43% 0.40% 0.35% 10,000 0.36% 0.30% 5,000 6,944 5,555 4,981 0.25% 0 0.20% Mar-17 Mar-16 Mar-15 Car Others Net NPA (%) ` cr FY17 FY16 FY15 NII 1,017 967 915 Other In
Slide 30: Kotak Mahindra Investments
Kotak Mahindra Investments Customer Assets* (` cr) & NNPA (%) 7,000 0.20% 6,000 0.15% 5,000 6,905 4,000 4,795 0.13% 0.10% 3,000 3,268 2,000 0.05% 0.07% 1,000 0.05% 0 0.00% Mar-17 Mar-16 Mar-15 Customer Assets Net NPA (%) ` cr FY17 FY16 FY15 NII & Other Income 348 280 200 Profit Before Tax 290 236 15
Slide 31: Kotak Securities
Kotak Securities Market ADV (` ‘000 cr) ADV (` cr) - KS 500 407 285 250 450 25 8,981 400 350 63 7,329 7,107 300 20 21 250 51 200 51 150 319 214 100 178 50 - FY17 FY16 FY15 FY17 FY16 FY15 Option Future Cash ` cr FY17 FY16 FY15 Total Income 1,184 975 960 Profit Before Tax 543 381 441 Profit After Tax
Slide 32: Kotak Mahindra Old Mutual Life Insurance Ltd.
Kotak Mahindra Old Mutual Life Insurance Ltd. New Business Premium* (` cr) Highlights Ranked 5th^ amongst private 2,850 2,210 1,540 insurers on Individual New Business Premium basis KLI renewal premium grew 30%, FY 1,413 1,146 791 17 conservation ratio is at 85.2%(PY 83.9%) 261 139 147 Sum ass
Slide 33: Disclaimer
Disclaimer Kotak Mahindra Bank Limited, herein referred to as the Bank provides a wide array of presentations and reports, with the contributions of various professionals. These presentations and reports are for informational purposes only and do not constitute a prospectus, a statement in lieu of a
Slide 34: Thank You
Thank You 34
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