Kotak Mahindra Bank Ltd (BOM:500247)

Q1 2027 Kotak Mahindra Bank Ltd Earnings Call Transcript

Jul 18, 2026 / 09:30 AM GMT

Transcript

Key Points

Positve

Kotak Mahindra Bank Ltd (BOM:500247) reported a 23% year-on-year growth in profit after tax, reaching 5,480 crores.
The bank's profit after tax increased by 26% year-on-year to 4,123 crores, demonstrating strong financial performance.
Customer assets grew by 16% year-on-year, driven by SME and institutional banking segments.
The bank maintained a stable net interest margin (NIM) of 4.53%, reflecting efficient cost management.
Subsidiaries contributed 33% to the consolidated profit after tax, with standout performances from Kotak AMC, Kotak Prime, and Kotak Securities.

Negative

The unsecured retail lending portfolio showed only modest growth, with some caution exercised in business loans due to market conditions.
The bank's customer count has been declining, attributed to cleanup of dormant and inactive accounts.
Deposit growth was relatively lower compared to top peers, with some moderation in balances from the private banking segment.
Credit costs increased to 46 basis points, driven by seasonal trends in the commercial vehicle and tractor finance portfolios.
The capital market businesses faced challenges due to geopolitical tensions, impacting investment banking activities.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

KTKM.NS - Kotak Mahindra Bank Ltd
Q1 2027 Kotak Mahindra Bank Ltd Earnings Call
Jul 18, 2026 / 09:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and Gentlemen, Good day and welcome to the Kotak Mahindra Bank Limited Q1 FY27 Earnings Conference Call.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing and then 0 on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Ashok Vaswani, Managing Director and CEO of Kotak Mahindra Bank Limited.

Thank you, and over to you, sir.

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