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Kotak Mahindra Bank

Kotak Mahindra Bank's net profit rose 16.2% to INR 72.0 bil in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank made a net profit of INR 72.0 bil under revenues of INR 308 bil in 2018, up 16.2% and 17.0% respectively compared...

Kotak Mahindra Bank's net profit rose 16.2% to INR 72.0 bil in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank made a net profit of INR 72.0 bil under revenues of INR 308 bil in 2018, up 16.2% and 17.0% respectively compared...

Kotak Mahindra Bank's price/earnings (P/E) rose 9.81% to 35.4 in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank stock traded at INR 1,334 per share at the end 2018 implying a market capitalization of USD 36,497 mil. Since the e...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR bil	109	127	147
Net Fee Income	INR bil	29.8	46.7	53.9
Other Income	INR bil	86.7	89.6	106
Total Revenues	INR bil	225	263	308
Operating Profit	INR bil	86.8	99.3	116
Provisions	INR bil	7.98	8.16	10.4
Net Profit	INR bil	49.4	62.0	72.0

Balance Sheet		2016	2017	2018
Interbank Loans	INR bil	181	155	204
Customer Loans	INR bil	1,671	2,060	2,435
Total Assets	INR bil	2,762	3,377	3,952
Shareholders' Equity	INR bil	390	505	583
Interbank Borrowing	INR bil	13.1	14.9	18.5
Customer Deposits	INR bil	1,555	1,912	2,248
Issued Debt Securities	INR bil	497	586	664

Ratios		2016	2017	2018
ROE	%	13.6	13.9	13.2
ROA	%	1.91	2.02	1.97
Costs (As % Of Assets)	%	5.35	5.33	5.23
Costs (As % Of Income)	%	61.4	62.3	62.3
Capital Adequacy Ratio	%	17.2	18.4	17.9
Net Interest Margin	%	4.20	4.13	4.02
Loans (As % Of Deposits)	%	107	108	108
NPLs (As % Of Loans)	%	2.25	1.96	1.94
Provisions (As % Of NPLs)	%	48.9	53.1	61.0

Valuation		2016	2017	2018
Price/Earnings (P/E)		32.5	32.2	35.4
Price/Book Value (P/BV)		4.12	3.95	4.37
Dividend Yield	%	0.069	0.067	0.060
Earnings Per Share (EPS)	INR	26.9	32.7	37.7
Book Value Per Share	INR	212	266	305
Dividend Per Share	INR	0.601	0.703	0.800

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR bil												48.1	56.7	63.5	92.8	109
Total Revenues	INR bil												99.6	108	146	168	225
Operating Profit	INR bil												36.6	41.7	52.7	63.0	86.8
Net Profit	INR bil												21.9	24.6	30.5	34.6	49.4
balance sheet
Interbank Loans	INR bil												23.0	36.8	29.6	46.7	181
Customer Loans	INR bil												663	717	886	1,448	1,671
Debt Securities	INR bil												403	381	466	694	676
Total Assets	INR bil												1,158	1,222	1,486	2,408	2,762
Shareholders' Equity	INR bil												155	194	225	338	390
Interbank Borrowing	INR bil												17.0	14.9	22.8	21.9	13.1
Customer Deposits	INR bil												483	561	715	1,348	1,555
Issued Debt Securities	INR bil												362	290	314	437	497
ratios
ROE	%												15.3	14.2	14.6	12.3	13.6
ROA	%												2.10	2.07	2.25	1.78	1.91
Costs (As % Of Assets)	%												6.05	5.58	6.89	5.38	5.35
Costs (As % Of Income)	%												63.3	61.4	63.9	62.4	61.4
Capital Adequacy Ratio	%						...						16.1	18.9	17.6	17.0	17.2
Net Interest Margin	%												4.62	4.77	4.69	4.77	4.20
Interest Income (As % Of Revenues)	%												48.3	52.5	43.5	55.3	48.3
Fee Income (As % Of Revenues)	%												12.3	13.0	12.7	15.0	13.2
Equity (As % Of Assets)	%												13.4	15.8	15.1	14.0	14.1
Loans (As % Of Deposits)	%	...											137	128	124	107	107
Loans (As % Assets)	%												57.2	58.7	59.7	60.1	60.5
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...					1.27	1.63	1.56	2.06	2.25
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...					57.4	41.3	45.1	52.2	48.9
valuation
Market Capitalisation (End Of Period)	USD mil												8,898	9,735	16,089	18,825	23,628
Number Of Shares (Average)	mil												1,492	1,534	1,546	1,833	1,839
Share Price (End Of Period)	INR												327	392	656	681	873
Earnings Per Share (EPS)	INR												14.7	16.1	19.7	18.9	26.9
Book Value Per Share	INR												104	126	145	184	212
Dividend Per Share	INR												0.351	0.411	0.531	0.501	0.601
Price/Earnings (P/E)													22.3	24.4	33.3	36.1	32.5
Price/Book Value (P/BV)													3.15	3.11	4.51	3.70	4.12
Dividend Yield	%												0.107	0.105	0.081	0.074	0.069
Earnings Per Share Growth	%	...											18.9	9.56	22.6	-4.23	42.4
Book Value Per Share Growth	%	...											17.6	21.7	15.3	26.6	15.1

income statement	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR bil												108	120	133	204	223
Interest Cost	INR bil												60.2	63.1	69.7	111	115
Net Interest Income	INR bil												48.1	56.7	63.5	92.8	109
Net Fee Income	INR bil												12.2	14.0	18.5	25.1	29.8
Other Income	INR bil												39.2	37.3	64.0	49.8	86.7
Total Revenues	INR bil												99.6	108	146	168	225
Operating Cost	INR bil												63.0	66.4	93.3	105	138
Operating Profit	INR bil												36.6	41.7	52.7	63.0	86.8
Provisions	INR bil												2.16	1.82	2.99	8.17	7.98
Extra and Other Cost	INR bil												2.99	2.90	4.23	4.56	5.50
Pre-Tax Profit	INR bil												31.4	37.0	45.5	50.2	73.3
Tax	INR bil												9.40	11.8	14.8	15.9	23.8
Minorities	INR bil												0.493	0.622	0.595	0.652	0.788
Net Profit	INR bil												21.9	24.6	30.5	34.6	49.4
Dividends	INR bil												0.524	0.631	0.821	0.918	1.10
growth rates
Net Interest Income Growth	%	...											22.5	17.9	12.0	46.1	17.1
Net Fee Income Growth	%	...											7.16	14.6	32.0	35.5	18.6
Total Revenue Growth	%	...											17.7	8.53	35.1	14.8	34.3
Operating Cost Growth	%	...											16.5	5.41	40.6	12.1	32.2
Operating Profit Growth	%	...											19.9	13.9	26.5	19.4	37.8
Pre-Tax Profit Growth	%	...											18.4	17.5	23.1	10.4	45.9
Net Profit Growth	%	...											19.4	12.6	23.5	13.6	42.8
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...		4.22	4.01	4.81	4.98	5.60		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...		3.70	4.57	5.58	8.41	...	...	...

balance sheet	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR bil												22.2	29.6	39.5	69.2	75.1
Interbank Loans	INR bil												23.0	36.8	29.6	46.7	181
Customer Loans	INR bil												663	717	886	1,448	1,671
Debt Securities	INR bil												403	381	466	694	676
Fixed Assets	INR bil												6.20	12.6	13.8	17.6	17.6
Total Assets	INR bil												1,158	1,222	1,486	2,408	2,762
Shareholders' Equity	INR bil												155	194	225	338	390
Of Which Minority Interest	INR bil												2.09	2.71	3.36	3.96	4.74
Liabilities	INR bil												1,004	1,029	1,261	2,070	2,372
Interbank Borrowing	INR bil												17.0	14.9	22.8	21.9	13.1
Customer Deposits	INR bil												483	561	715	1,348	1,555
Sight Deposits	INR bil												73.5	82.6	128	227	275
Term Deposits	INR bil												410	479	588	1,121	1,281
Issued Debt Securities	INR bil												362	290	314	437	497
Other Liabilities	INR bil												141	162	209	263	307
asset quality
Non-Performing Loans	INR bil	...	...	...	...	...	...	...					8.48	11.8	13.9	30.2	38.0
Gross Loans	INR bil												667	722	893	1,464	1,690
Total Provisions	INR bil	...	...	...	...	...	...	...					4.87	4.86	6.28	15.8	18.6
growth rates
Customer Loan Growth	%	...											24.7	8.20	23.6	63.4	15.4
Total Asset Growth	%	...											25.4	5.53	21.5	62.1	14.7
Shareholders' Equity Growth	%	...											18.2	25.1	16.2	50.1	15.4
Customer Deposit Growth	%	...	...										34.3	16.1	27.4	88.5	15.4
market share
Market Share in Customer Loans	%	...	...	...									1.20	1.12	1.25	1.82	2.02		...
Market Share in Total Assets	%												1.33	1.21	1.33	1.91	1.94		...
Market Share in Customer Deposits	%												0.768	0.780	0.876	1.47	1.46		...

ratios	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%												15.3	14.2	14.6	12.3	13.6
ROA	%												2.10	2.07	2.25	1.78	1.91
Costs (As % Of Assets)	%												6.05	5.58	6.89	5.38	5.35
Costs (As % Of Income)	%												63.3	61.4	63.9	62.4	61.4
Capital Adequacy Ratio	%						...						16.1	18.9	17.6	17.0	17.2
Tier 1 Ratio	%	...					...	...	...	...	...	...	14.7	...	16.2	15.3	15.9
Net Interest Margin	%												4.62	4.77	4.69	4.77	4.20
Interest Spread	%	...											3.70	3.86	3.75	3.80	3.48
Asset Yield	%												10.4	10.1	9.84	10.5	8.64
Cost Of Liabilities	%	...											6.71	6.21	6.08	6.68	5.16
Payout Ratio	%												2.39	2.56	2.69	2.66	2.24
Interest Income (As % Of Revenues)	%												48.3	52.5	43.5	55.3	48.3
Fee Income (As % Of Revenues)	%												12.3	13.0	12.7	15.0	13.2
Other Income (As % Of Revenues)	%												39.4	34.5	43.8	29.7	38.5
Equity (As % Of Assets)	%												13.4	15.8	15.1	14.0	14.1
Loans (As % Of Deposits)	%	...											137	128	124	107	107
Loans (As % Assets)	%												57.2	58.7	59.7	60.1	60.5
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...					1.27	1.63	1.56	2.06	2.25
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...					57.4	41.3	45.1	52.2	48.9
Provisions (As % Of Loans)	%	...	...	...	...	...	...	...					0.735	0.678	0.709	1.09	1.11
Cost of Provisions (As % Of Loans)	%												0.362	0.264	0.373	0.700	0.512

other data	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees													23,500	26,500	31,432	46,000	44,000
Sight (As % Of Customer Deposits)	%	...											15.2	14.7	17.8	16.8	17.7

Get all company financials in excel:

Download Sample $19.99

Kotak Mahindra Bank in Numbers
Annual (2001 - 2018)

Nov 2019

Statistical Dossier

$19.99

Kotak Mahindra Bank's price/earnings (P/E) rose 9.81% to 35.4 in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank stock traded at INR 1,334 per share at the end 2018 implying a market capitalization of USD 36,497 mil. Since the end of 2013, the stock has appreciated by 240 % implying an annual average growth of 27.7 %. In absolute terms, the value of the compa...

Kotak Mahindra Bank's share price (end of period) rose 26.9% to INR 1,334 in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank stock traded at INR 1,334 per share at the end of 2018 implying a market capitalization of USD 36,497 mil. Since the end of 2013, the stock has appreciated by 240 % implying an annual average growth of 27.7 %. In absolute terms, the value of the co...

Kotak Mahindra Bank's share price (end of period) rose 26.9% to INR 1,334 in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's net interest income rose 16.5% to INR 147 bil in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank generated total banking revenues of INR 308 bil in 2018, up 17% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 308 bil in 2018 and an...

Kotak Mahindra Bank's net interest income rose 16.5% to INR 147 bil in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's npls (as % of loans) fell 0.612% to 1.94% in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's non-performing loans reached 1.94% of total loans at the end of 2018, down from 1.96% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.04% in 2009 and an all time low of 0.036% in 2008. Provision cov...

Kotak Mahindra Bank's npls (as % of loans) fell 0.612% to 1.94% in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's net interest margin fell 2.45% to 4.02% in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's net interest margin amounted to 4.02% in 2018, down from 4.13% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 6.03% in 2002 and an all time low of 4.02% in 2018. The average ...

Kotak Mahindra Bank's net interest margin fell 2.45% to 4.02% in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's capital adequacy ratio fell 2.61% to 17.9% in 2018

By Helgi Library - November 3, 2019

Kotak Mahindra Bank's capital adequacy ratio reached 17.9% at the end of 2018, down from 18.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 26.0% in 2002 and an all time low of 11.3% in 2005. The Tier 1 ratio a...

More News

Finance

Kotak Mahindra Bank has been growing its revenues and asset by 19.3% and 25.7% a year on average in the last 10 years. Its loans and deposits have grown by 26.9% and 32.5% a year during that time and loans to deposits ratio reached 108% at the end of 2018. The company achieved an average return on equity of 14.6% in the last decade with net profit growing 27.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 62.3% in 2018, compared to 63.6% average in the last decade.

Equity represented 14.7% of total assets or 23.9% of loans at the end of 2018. Kotak Mahindra Bank's non-performing loans were 1.94% of total loans while provisions covered some 61.0% of NPLs at the end of 2018.

Valuation

Kotak Mahindra Bank stock traded at INR 1,334 per share at the end of 2018 resulting in a market capitalization of USD 36,497 mil. Over the previous five years, stock price rose by 240% or 27.7% a year on average. That’s compared to an average ROE of 13.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 35.4x and price to book value (PBV) of 4.37x in 2018.

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Kotak Mahindra Bank

Kotak Mahindra Bank's net profit rose 16.2% to INR 72.0 bil in 2018

Kotak Mahindra Bank's net profit rose 16.2% to INR 72.0 bil in 2018

Kotak Mahindra Bank's price/earnings (P/E) rose 9.81% to 35.4 in 2018

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Kotak Mahindra Bank's price/earnings (P/E) rose 9.81% to 35.4 in 2018

Kotak Mahindra Bank's share price (end of period) rose 26.9% to INR 1,334 in 2018

Kotak Mahindra Bank's share price (end of period) rose 26.9% to INR 1,334 in 2018

Kotak Mahindra Bank's net interest income rose 16.5% to INR 147 bil in 2018

Kotak Mahindra Bank's net interest income rose 16.5% to INR 147 bil in 2018

Kotak Mahindra Bank's npls (as % of loans) fell 0.612% to 1.94% in 2018

Kotak Mahindra Bank's npls (as % of loans) fell 0.612% to 1.94% in 2018

Kotak Mahindra Bank's net interest margin fell 2.45% to 4.02% in 2018

Kotak Mahindra Bank's net interest margin fell 2.45% to 4.02% in 2018

Kotak Mahindra Bank's capital adequacy ratio fell 2.61% to 17.9% in 2018

Finance

Valuation

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