Kotak Mahindra Bank results of the fourth quarter: Autonomous profit drops from 14% in annual sliding to Rs 3,552 crore
Kotak Mahindra Bank declared a drop of 14% in annual shift in autonomous net profit for the January-March quarter on May 3. The lender of the private sector posted an autonomous net profit of RS 3,552 crosses for the fourth quarter FY5.
The provisions and contingencies during the quarter have increased from more than three years to Rs 909 crosses, reflecting the prudent approach of the quality of assets.
Despite the tip of the supply, the quality of Kotak’s active ingredients has improved slightly. Its non -efficient gross ratio (GNPA) was 1.42% on March 31, 2025, against 1.50% at the end of December 2024.
Loan growth has remained robust, advances increasing by 13% in annual sliding, while deposits increased by 15% during the quarter.
In addition, its net interest income (NII) increased by 5% to Rs 7,284 crore. However, the margin of net interest (NIM) of the bank contracted 4.97% against 5.28% a year ago. Sequentially, NIM showed a slight improvement compared to 4.93% during the December quarter.
The total income of the bank increased by 6.8% in annual sliding to 3,182.5 crores, while total expenses jumped from 14.4% in annual shift to 11,240 crore. The lender’s margin of net interest (NIM) amounted to 4.96% for financial year 25 and 4.97% for Q4FY25. Average total deposits jumped from 15% in annual sliding to 4.68,486 crore from ₹ in the fourth quarter25.
On the front of the quality of the assets, the raw NPA (GNPA) was 1.42% and the NPA Net (NNPA) at 0.31%, against 1.39% of GNPA and 0.34% NNPA a year ago. The disposition coverage ratio was 78%solid.
The Casa ratio on March 31, 2025 was 43%; The credit / deposit ratio was 85.5%. The capital adequacy ratio was 22.2%.
For the entire financial year 2024-25, the benefit of the bank on an autonomous basis has increased to Rs 16,450 crosses against Rs 13,782 crosses the previous year.
“The benefit of the Bank for the 2010 financial year has increased to Rs 16,450 crore (including the gain in disinvestment of Kotak’s general insurance of 2,730 belpies) of Rs 13.782 crores in FY24, up 19% in the gallery.
The bank’s board of directors announced a dividend of 2.50 ₹ per share.
