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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% YoY; H1FY26 PAT (excluding insurance divestment) was ₹8,940 crore, down 6% YoY.
Customer assets grew 13% YoY to ₹576,339 crore; AUM rose 12% YoY to ₹760,598 crore.
Book value per share increased 14% YoY to ₹844.
ROE was 10.65% and ROA was 1.97% for Q2FY26.
Completed sale of 70% stake in general insurance subsidiary, now classified as an associate.
Financial highlights
Net advances grew 16% YoY to ₹462,688 crore; deposits increased 15% to ₹528,776 crore.
Net Interest Margin for Q2FY26 was 4.54%, down from 4.91% YoY.
Credit costs declined to 79 bps, down 14 bps QoQ; gross NPA at 1.39%, net NPA at 0.32%.
Operating profit for Q2FY26 was ₹5,268 crore, up 3% YoY; cost-to-income ratio at 46.8%.
Fees and services income grew 7.4% QoQ and 4% YoY, led by distribution and debt syndication.
Outlook and guidance
NIM expected to improve in H2 with deposit repricing and CRR benefits, barring further repo cuts.
Credit costs projected to moderate further in H2; focus on digital transformation and retail unsecured business.
Cautious stance on retail CV segment due to ongoing stress.
Asset quality expected to remain robust, with continued focus on risk management and digital origination.
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 25/2617 Jan, 2026
Next Kotak Mahindra Bank earnings date
Q3 25/2617 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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