Kotak Mahindra Bank Limited · NSE:KOTAKBANK
Kotak Mahindra Bank — Shareholder Meeting (August 2021)
26 slides from Kotak Mahindra Bank's shareholder meeting presentation, Aug 25, 2021
Slide 1: Cover letter: 36th Annual General Meeting
9 kotak August 25, 2021 Kotak Mahindra Bank The Manager Corporate Relationship, BSE Limited, 1*t Floor, New Trading Ring, Rotunda Building, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001. Security Code: 500247 The Manager National Stock Exchange of India Ltd. Exchange Plaza, 5" Floor, Plot
Slide 2: Chairman's Speech: Financial Year 2020-21
By Prakash Apte Ladies and Gentlemen, Financial Year 2020-21 was a year when safety and security became a top-of-the-mind phenomenon for countries, businesses and individuals alike. The world was not prepared for the kind of risks it faced and, as a result, priorities changed overnight with protecti
Slide 3: Chairman's Speech (continued): External position and economy
deceleration in import activity compared to exports. As per the official release, the current account surplus for FY 2020-21 was at 0.9%. Meanwhile, the capital account surplus rose to 2.4% of GDP in FY 2020-21 on account of stronger foreign investment aided by the global accommodative policy stance
Slide 4: Technology and Digitization
Technology and Digitization The banking and financial services industry is undergoing transformative changes powered by digitalization. COVID-19 has further accelerated digitization of banking with evolving customer expectations and changing behaviour experienced during the pandemic. The pandemic ha
Slide 5: Chairman's Speech: Awards, CSR and ESG
investment banking, asset management and advisory, are low-capital and non-credit-risk taking businesses. The second wave of COVID-19 led to an unprecedented increase in fatalities in the country and consequently, increase in the death claims being reported from May 2021. Due to increased claims and
Slide 6: Outlook for the Group
Outlook for the Group The Group believes that with sound risk management and a strong capital adequacy ratio, it is well positioned to capitalize on the growth opportunities offered by India of the future. The Group aims to expand its market share in Indian financial services by increasing the custo
Slide 7: 36th Annual General Meeting
36th Annual General Meeting 25 August 2021
Slide 8: The World
The World Must embrace a world where the New normal and Never normal will co-exist A Never normal world is a new planet of challenges and opportunities India in the Never Geography is history - transitioning to a world where ‘location’ will be Normal World increasingly irrelevant Critical to
Slide 9: Resolute Response To COVID-19
Resolute Response To COVID-19 Empowering customers, colleagues & community for never normal world Protecting Communities Protecting Customers Protecting People Protecting the Institution • Upgradation/Enhancement of • Uninterrupted access • Prioritising saving lives • First Bank to raise capital at
Slide 10: Deposit Franchise
Deposit Franchise Low Cost, Granular, Stable Bank standalone deposits metrics Mar-20 Mar-21 Jun-21 Total deposits (₹cr.) 262,821 280,100 286,560 SA deposits (₹cr.) 104,609 117,226 120,002 TDs below ₹1 cr. (₹cr.) 63,549 65,231 68,444 CASA ratio 56.2% 60.4% 60.2% CASA & TDs below ₹5 cr 86% 91% 92% as
Slide 11: Kotak's approach to lending correlated to state of the economy
Kotak’s approach to lending correlated to state of the economy Standalone Advances Growth 0.45 2,25,000 42% 2,23,689 2,17,465 41% 2,19,748 0.4 2,00,000 Slowdown in Indian 2,05,695 Global Economy - Real GDP 0.35 Financial Crisis Slowdown in Indian 1,75,000 33% down to 5.5% in FY13 Economy - Real GDP
Slide 12: Kotak Now Positioned For Growth
Kotak Now Positioned For Growth Focus on Mortgage • Leverage competitive edge of low cost of funds to acquire high quality customers • Further opportunities to build longer-term relationships • Made home loan journey frictionless – quick online sanction & easy documentation with attractive interes
Slide 13: Focus On Digital & Technology
Focus On Digital & Technology 72% (YoY) 10.3x (YoY) 94%+ Growth in transaction Growth in UPI transactions Savings account transactions volume on mobile app acquired through digital or non-branch modes 40%* 111%* RD: 96% Increase in monthly Increase in monthly FD:84% active users for active users of
Slide 14: Digital & Technology Focus At Group Companies
Digital & Technology Focus At Group Companies 61% 125% (YoY) 2/3rd 38% Client acquisitions comprised Growth in AUM through website Total services delivered via Business contribution from Trade Free Plan accounts since digital modes in Q4FY21 digital channels its launch in Nov 2020 36% (YoY) Investor
Slide 15: ESG
ESG Environmental Renewable energy Green data centres 9 powers many of designed for maximum 1,188 tCO2e* LEED-certified large Greenhouse gas emissions avoided our offices energy efficiency office buildings spread by the Bank (large offices) across six cities Social Women comprise CSR Projects aligne
Slide 16: Physical Footprint
Physical Footprint Bank Branches Distribution [No./%] Bank Branch Classification 1,604^ 2,598 Bank Bank ATMs North Branches 485 / 30% 781 3,857# West East Bank Pan-India Group branch 496 / 31% 122 / 8% operating network in locations India South 501 / 31% Group Branch Network In India 114 230 1,450#
Slide 17: Strategy In The Never Normal
Strategy In The Never Normal Technology at the Leadership in Customer Centricity Core digital capabilities Keep customer at core of the Investing in technology (both infra business in order to provide a Continue journey on best in class & applications), with a dual positive experience & build long d
Slide 18: Kotak – Diversified & Integrated Financial Services
Kotak – Diversified & Integrated Financial Services Kotak Mahindra Bank Commercial Bank & Parent Company Kotak Mahindra Kotak Mahindra Kotak Investment Kotak Mahindra Kotak Securities Prime Investments Advisors Capital Company ∞ Car Finance ∞ Investments ∞ Alternate Assets ∞ Investment Banking ∞ Sto
Slide 19: Strong & Committed Leadership Team
Strong & Committed Leadership Team Senior Leadership Team with Long Vintage Dipak Gupta Gaurang Shah KVS Manian D Kannan Shanti Jt. MD WTD WTD Ekambaram 29 Years 24 Years 26 Years 29 Years 30 Years Compliance, IT, HR & Credit, ARD, Asset Corporate, Marketing, Digital, Mgmt, Alternate Institutional E
Slide 20: Financial Highlights
Financial Highlights
Slide 21: Standalone Highlights
Standalone Highlights FY20 FY21 Q1FY22 Pre-provision operating profit (₹cr.) 10,021 12,215 3,121 Profit after tax (₹cr.) 5,947 6,965 1,642 Customer Assets (₹cr.) 228,970 238,857 235,358 CASA ratio 56.2% 60.4% 60.2% Standalone highlights Net interest margin 4.62% 4.41% 4.60% Net NPA 0.71% 1.21% 1.28%
Slide 22: Consolidated Highlights
Consolidated Highlights FY20 FY21 Q1FY22 Profit after tax (₹cr.) 8,593 9,990 1,806 Total Assets (₹cr.) 443,173 478,873 491,399 NIM 4.59% 4.47% 4.66% Net NPA Standalone highlights 0.70% 1.23% 1.34% Capital and Reserves (₹cr.) 67,134 84,836 86,768 CAR# 19.8% 23.4% 24.9% Tier I# 19.2% 22.6% 24.1% Book
Slide 23: Consolidated PAT
Consolidated PAT ₹cr FY20 FY21 Q1FY22 Kotak Mahindra Bank 5,947 6,965 1,642 Kotak Mahindra Prime 673 535 79 Kotak Mahindra Investments 270 258 71 Kotak Securities 550 793 236 Kotak Mahindra Capital 79 82 42 Kotak Mahindra Life Insurance 608 692 (243) Standalone highlights Kotak Mahindra General Insu
Slide 24: Consolidated Capital & Reserves and Surplus
Consolidated Capital & Reserves and Surplus ₹cr Mar-2020 Mar-2021 Jun-2021 Kotak Mahindra Bank 49,015 63,727 65,472 Kotak Mahindra Prime 6,088 6,623 6,702 Kotak Mahindra Investments 1,860 2,117 2,189 Kotak Securities 4,529 5,321 5,526 Kotak Mahindra Capital Company 622 689 711 Kotak Mahindra Life In
Slide 25: Assets Under Management & Relationship Value
Assets Under Management & Relationship Value 31st March, 2020 31st March, 2021 30th June, 2021 (Total: ₹ 225,878 cr) (Total: ₹ 323,762 cr) (Total: ₹ 343,708 cr) Relationship Value of Wealth + Priority + Investment Advisory as on 30th Jun, 2021 ~₹ 404,000 cr (31st March, 2021 ~₹ 382,000 cr) 19 *Inclu
Slide 26: Thank you
Thank you
Kotak Mahindra Bank — Shareholder Meeting (August 2021) on 6ix