In the Kotak Mahindra Bank Q4 results, the private bank major reported a 14% YoY drop in standalone net profit to ₹3,552 crores. On a full-year basis, Kotak Mahindra Bank’s net profit jumped by 19% YoY to ₹16,450 crores in FY25.
On the Kotak Mahindra Bank results date, i.e., on May 3, the Kotak Mahindra Bank share price was at ₹2,185.20. On the next trading day, it closed with a fall of 4.59% at ₹2,084.90. In the last 5 years, the Kotak Mahindra Bank share price has given over 68% returns.
Kotak Mahindra Bank Q4 Results FY25: Major Highlights
- In Q4 Kotak Mahindra Bank quarterly results, the bank’s operating profit rose marginally to ₹5,472 crores in Q4 FY25 as against ₹5,462 crores posted in Q4 FY24.
- Profit before tax stood at ₹4,562.82 crores in the fourth quarter of FY25, down 12.21% from ₹5,197.83 crores posted in the same quarter last year.
- The deposits moved up 11% to ₹4,99,055 crores. The credit-deposit ratio eased to 85.54% at end March 2025 from 87.40% a quarter ago.
- The advances increased 14% to ₹4,26,909 crores at end March 2025.
- Net Interest Income (NII) for Q4 FY25 increased to ₹7,284 crores, up 5% from ₹6,909 crores recorded in Q4 FY24. Net interest margin (NIM) was 4.97% for Q4 FY25.
- Fees and services grew by 6% YoY to ₹2,616 crores in the quarter ending 31 March 2025.
- Customers as of 31 March 2025 were at 5.3 crores as compared to 5 crores as of 31 March 2024.
- Total assets under management as at 31 March 2025 were ₹6,69,885 crores, up 20% YoY from ₹5,60,140 crores as at 31 March 2024.
- The domestic MF equity AUM increased by 27% YoY to ₹3,13,084 crores as of 31 March 2025.
- During the quarter, slippages were at ₹1,488 crores from ₹1,305 crores reported in the same period a year ago.
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| Particulars (in ₹ Cr) | Q4 FY25 | Q4 FY24 | YoY Change |
|---|---|---|---|
| Net Profit | 3,552 | 4,133 | -14% |
| Net Interest Income | 7,284 | 6,909 | 5% |
| Average Total Deposits | 4,68,486 | 4,08,321 | 15% |
Kotak Mahindra Bank Q4 Results: Key Ratios
- As per the Kotak Mahindra Bank Q4 results, the gross non-performing asset (GNPA) ratio was 1.42% as of 31 March 2025, compared to 1.39% as of 31 March 2024.
- The net non-performing assets (NNPA) ratio was 0.31% as of 31 March 2025, compared to 0.34% as of 31 March 2024.
- The provision coverage ratio stood at 78% in Q4 FY25.
- The capital adequacy ratio of the bank, as per Basel III, as at 31 March 2025, was 22.2%, and the CET1 ratio was 21.1%.
- The bank’s average liquidity coverage ratio stood at 135% for the quarter ending 31 March 2025.
| Key Ratios | FY25 | FY24 | YoY Change |
|---|---|---|---|
| Gross NPA | 1.42% | 1.39% | 0.03% |
| Net NPA | 0.31% | 0.34% | -0.03% |
| Return on Assets (ROA) | 2.65% | 2.61% | 0.04% |
Kotak Mahindra Bank Q4 Results: Dividend
Kotak Mahindra Bank has declared a dividend of ₹2.50 per share (face value of ₹5 each) for the financial year ending March 31, 2025. The record date and payment date have not been announced yet.
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