)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
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 H1FY26 PAT (excluding KGI divestment) at ₹8,940 crore, down 6% year-over-year; customer assets grew 13% to ₹576,339 crore and AUM rose 12% to ₹760,598 crore.
Return on Assets (ROA) declined to 1.97% from 2.53% year-over-year; Return on Equity (ROE) dropped to 10.65% from 13.88%.
Net advances and deposits grew 16% and 15% year-over-year, respectively, in line with the strategy to grow advances at 1.5–2x nominal GDP growth.
Focused on scaling responsibly, leveraging automation, digitization, and targeted propositions for consumer and SME segments.
Subsidiaries contributed 27% to consolidated profits, with strong asset management performance but lower capital markets and insurance profits due to market conditions.
Financial highlights
Standalone balance sheet grew 13% year-over-year, crossing INR 7 lakh crore; net advances up 16% to ₹462,688 crore; deposits up 15% to ₹528,776 crore.
Net Interest Income for Q2FY26 increased 4% year-over-year to ₹7,311 crore; NIM for Q2 at 4.54%, down from 4.91% year-over-year.
PAT for the quarter at INR 3,253 crore standalone; consolidated profit at INR 4,468 crore.
Book value per share grew 14% year-over-year to ₹844.
Operating expenses flat year-over-year, down 3% sequentially; cost-to-income ratio improved to 46.8%.
Outlook and guidance
Expect gradual improvement in NIM as deposit repricing and CRR benefits flow through, assuming no further repo cuts.
Credit costs anticipated to moderate further in H2, with improvements in MFI and credit card portfolios.
Continued cautious stance on retail CV segment due to stress; focus on building back retail unsecured business and maintaining cost discipline while investing in technology.
Focus remains on digital transformation, customer-centric propositions, and scaling diversified financial services.
Basel III disclosures on leverage, liquidity, and funding ratios will be made available online, supporting regulatory transparency.
Retail CV credit cost outlook?
Excess capital deployment strategy?
Timeline for unsecured book growth acceleration?
Credit card business: path to growth?
Retail CV segment stress outlook
Excess capital deployment strategy
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Kotak Mahindra Bank earnings date
Q3 25/2617 Jan, 2026
Next Kotak Mahindra Bank earnings date
Q3 25/2617 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage