Gkotak Kotak Mahindra Bank


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Gkotak

Kotak Mahindra Bank

25th October 2018
The Manager Corporate Relationship, BSE Limited, 1st Floor, New Trading Ring, Rotunda Building, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001.

The Manager National Stock Exchange of India Ltd. Exchange Plaza,
s•h Floor,
Plot No.C/1, G Block, Bandra-Kurla Complex, Bandra (East),
Mumbai 400 051.

Dear Sir,
Sub: Investor Presentation- Quarter and halfyear ended 30th September
2018
Pursuant to Regulation 30 of the' Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we attach herewith the Investor Presentation- Q2FY19 which is also being posted on our website www.kotak.com.
Yours faithfully, Kotak Mahindra Bank Limited
~ekar Vice President - Secretarial Dept

Kotak Mahindra Bank Ltd.
CIN: L.65110MH198SPLC038137
ijegistered Office: 27 BKC, C 27, G Block, Sandra Kufla Complex, Sandra (E), Mumbal 400051, Mahar~shtra, lnd,la.

T +91 22 61660000 F +91 22 67132403 www.kotak.com

INVESTOR PRESENTATION
Q2FY19

Consolidated Highlights Q2FY19

PAT
` 1,747 cr
[` 1,441 cr]
NIM*

CAR 18.7%#
[19.2%]
Tier I 18.2%#
[18.6%]
CAPITAL & RESERVES

LOANS
` 222,172 cr
[` 187,758 cr]
NET NPA

BOOK VALUE PER EQ. SHARE
` 282.4
[` 246.7]
TOTAL ASSETS

4.1%
[4.3%]

` 54,349 cr
[` 46,975 cr]

0.73%
[1.08%]

` 363,229 cr
[` 304,883 cr]

Figures in [brackets] are Q2FY18 numbers # As per Basel III, including unaudited profits. Excluding profits CAR 17.6%, Tier I 17.0% (CAR 18.1% and Tier I 17.5%) * Doesn’t include dividend income and interest on income-tax refund

Financial results have been prepared under Indian Generally Accepted Accounting Principles

2

Consolidated PAT
` cr Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Securities Kotak Mahindra Capital Kotak Mahindra Life Insurance Kotak AMC and TC International Subsidiaries Others Total Minority Interest Affiliates and Others Consolidated PAT

Q2FY19 1,142 157 45 112 14 127 52 47 13 1,709 38 1,747

Q2FY18 994 150 55 118 (1) 100 23 28 (2)
1,465 (26) 2
1,441

Q1FY19 1,025 139 48 130 25 117 51 33 28 1,596 (22) 1,574

FY18 4,084
590 245 531
65 413 115 114
13 6,170
(57) 88
6,201
3

Entity wise Capital & Reserves and Surplus

` cr Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Securities Kotak Mahindra Capital Kotak Mahindra Life Insurance Kotak AMC and TC Kotak Infrastructure Debt Fund Kotak Mahindra General Insurance International Subsidiaries Kotak Investment Advisors Other Entities Total Add: Affiliates Less: Minority, Inter-company and Others Consolidated Capital & Reserves and Surplus

30-Sep-18 40,103 5,112 1,476 3,768 548 2,482 432 337 126 987 354 185 55,910 921 (2,482) 54,349

30-Sep-17 35,206 4,509 1,137 3,239 497 2,027 257 316 114 744 332 137 48,515 791 (2,331) 46,975

30-Jun-18 38,538 4,955 1,431 3,656 534 2,355 379 329 135 887 355 169 53,723 888 (2,487) 52,124
4

Consolidated Advances
30-Sep-18 (` 222,172 cr)

Consolidated Advances

` cr

30-Sep-18

Corporate Banking

67,319

CV/CE
Agriculture Division
Business Banking

17,048 22,425 18,575

Auto loans
Home Loans and LAP Small Business, PL & Credit Cards
Others

20,696 36,064 29,143 10,902

Total Advances

222,172

30-Sep-17 56,493 12,205 19,741 18,113 19,900 29,429
20,918 10,959 187,758

30-Jun-18 66,178 16,024 21,249 18,116 20,365 34,005
26,276 11,149 213,362

GNPA: 1.91%,NNPA: 0.73%

5

Standalone Highlights Q2FY19

PAT

NIM*

LOANS

NET NPA

` 1,142 cr
[` 994 cr]

4.2%
[4.4%]

` 184,940 cr
[` 152,574 cr]

0.81%
[1.26%]

TOTAL ASSETS
` 288,836 cr
[` 236,970 cr]

CAR 18.0%#
[19.4%]
Tier I 17.4%#
[18.7%]

BRANCHES
1,425
[1,362]
CUSTOMERS
> 16 mn
[~ 10.5 mn]

CASA
50.2%
[47.8%]

Figures in [brackets] are Q2FY18 numbers # As per Basel III, including unaudited profits. Excluding profits CAR 17.0%, Tier I 16.4% (CAR 18.4% and Tier I 17.6%) * Doesn’t include dividend income and interest on income-tax refund

6

Profit and Loss Account
` cr Net Interest Income Other Income Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Provision On Adv/Receivables (net) Provision On Investments Provision & Contingencies PBT Provision For Tax PAT

Q2FY19 2,689 1,205 3,894 745 1,054 1,799 2,095 221 133 354 1,741 599 1,142

Q2FY18 2,313 954 3,267 723 819 1,542 1,725 206 11 217 1,508 514 994

Q1FY19 2,583 1,165 3,748 720 995 1,715 2,033 260 210 470 1,563 538 1,025

FY18 9,532 4,052 13,584 2,930 3,496 6,426 7,158
743 197 940 6,218 2,134 4,084

7

Segment Performance and Other Income

Bank Segmental PBT
As per RBI (` cr) Corporate/Wholesale Banking Retail Banking Treasury, BMU* & Corporate Centre Total
* Balance Sheet Management Unit
Advances as per segmental - ` cr Retail
Corporate Total Advances

Q2FY19 796 520
425
1,741

Q2FY18 685 341 482
1,508
30-Sep-18 78,167
106,773 184,940

Q1FY19 645 543 375
1,563
30-Sep-17 61,178 91,396
152,574

Other Income (` cr) Fee and Services Others Total

Q2FY19 1,019 186 1,205

Q2FY18 810 144 954

Q1FY19 989 176
1,165

 Relationship Value of Wealth + Priority ~ ` 248,000 cr

FY18 2,984 1,511 1,723 6,218
30-Jun-18 72,775
104,152 176,927
FY18 3,454
598 4,052
8

Advances
30-Sep-18 (` 184,940 cr)

Advances
` cr Corporate Banking CV/CE Agriculture Division Business Banking Home Loans and LAP Small Business, PL & Credit Cards Others
Total Advances

30-Sep-18 30-Sep-17 30-Jun-18 58,072 48,995 57,683 17,048 12,205 16,024 22,425 19,741 21,249 18,575 18,113 18,116 36,064 29,429 34,005

29,039 20,876 26,210

3,717

3,215

3,640

184,940 152,574 176,927

 SMA2 outstanding - ` 165 cr  0.09% of net advances
 GNPA: 2.15%; NNPA: 0.81%

Specific Sectors as per Basel III

Outstanding* (` cr) 30-Sep-18

% 30-Sep-17

%

NBFCs

13,018 5.2%

12,129 5.7%

CRE

7,740 3.1%

7,930 3.7%

- of which LRD

3,176 1.3%

3,059 1.4%

Total

249,816

212,601

*Loans, non-SLR investments, bank balances, current exposure and non-fund

YoY 7.3% -2.4% 3.8% 17.5% 9

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Gkotak Kotak Mahindra Bank