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Kotak Mahindra Bank
Kotak Mahindra Bank (KOTAKBANK) investor relations material
Kotak Mahindra Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary25 Oct, 2025
Executive summary
Consolidated PAT for Q2FY26 was ₹4,468 crore, down 11% year-over-year, with 81% from bank and lending entities; ROE at 10.65%, ROA at 1.97%.
Net advances grew 16% YOY to ₹462,688 crore; deposits increased 15% to ₹528,776 crore, mainly in secured business and SME/institutional segments.
Consolidated AUM grew 12% YOY to ₹760,598 crore; customer assets rose 13% to ₹576,339 crore.
Maintained strong capital adequacy at 22.1% (CET1: 20.9%) and consolidated book value per share up 14% YOY to ₹844.
Continued investment in technology and digital platforms, with 44 new branches added in the quarter.
Financial highlights
NIM for Q2FY26 at 4.54%, down from 4.91% YOY and 11 bps QOQ; cost of funds reduced by 31 bps.
Credit costs declined to 79 bps, down 14 bps QOQ, with improvement in credit card and microfinance portfolios.
Gross NPA ratio improved to 1.39% (from 1.48% QOQ and 1.49% YOY); net NPA at 0.32%.
Operating expenses flat YOY and down 3% sequentially, aided by efficiency gains and lower retirement costs.
Fees and services income grew 7.4% QOQ, led by distribution and debt syndication.
Outlook and guidance
Expect NIM to gradually improve in H2 with deposit repricing and CRR benefits, assuming no further repo cuts.
Credit costs projected to moderate further in H2, with focus on rebuilding retail unsecured business.
Cautious stance maintained on retail CV segment due to ongoing stress.
Focus remains on digital transformation, customer-centric propositions, and scaling diversified financial services.
Retail CV credit cost outlook?
Excess capital deployment strategy?
Timeline for unsecured book growth acceleration?
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Next Kotak Mahindra Bank earnings date
Q3 25/2624 Jan, 2026
Kotak Mahindra Bank
Next Kotak Mahindra Bank earnings date
Q3 25/2624 Jan, 2026
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Frequently asked questions
Kotak Mahindra Bank Limited, a banking company, provides various banking and financial services to corporate and individual customers in India. Its Treasury Products and Services segment offers foreign exchange transactions, currency options/futures products, commodity hedging solutions, bond trading, money markets and cash management services, derivatives trading solutions, customised solutions in treasury risk management products, equities and equity related products debt capital markets and private equity.
The company\'s Commercial Banking segment offers loans for business needs; working capital finance; SME finance; supply chain financing solutions; project finance solutions; specific sector focused financing solutions; international trade solutions; investment and wealth management solutions for corporates. Kotak Mahindra Bank Limited was incorporated in 1985 and is based in Mumbai, India.
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