Kotak Mahindra Bank Ltd's Q4FY25 Quarter Results
- 1d ago
Result Summary
- Kotak Mahindra Bank Ltd reported a 16.5% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 34.6%.
- Its expenses for the quarter were up by 23.8% QoQ and 41.8% YoY.
- The net profit increased 13.5% QoQ and increased 16.9% YoY.
- The earnings per share (EPS) of Kotak Mahindra Bank Ltd stood at 26.6 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 27907.33 | 23945.79 | 20730.88 | 16.5% | 34.6% |
Total Expenses | 20690.26 | 16711.54 | 14593.82 | 23.8% | 41.8% |
Provisions & contingencies | 442.05 | 1054.17 | 148.34 | -58.1% | 198.0% |
Profit Before Tax | 6775.02 | 6180.08 | 5988.72 | 9.6% | 13.1% |
Tax | 1532.77 | 1540.45 | 1459.20 | -0.5% | 5.0% |
Profit After Tax | 5337.20 | 4701.02 | 4566.39 | 13.5% | 16.9% |
Earnings Per Share | 26.60 | 23.60 | 22.80 | 12.7% | 16.7% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Kotak Mahindra Bank Ltd is one of the leading financial institutions in India, offering a wide range of banking and financial services. The bank operates in various segments including retail banking, corporate banking, and wealth management. It is known for its diverse financial products such as savings and current accounts, loans, and investment services. Recently, the bank has focused on expanding its digital offerings and enhancing customer service through technology. However, specific recent developments are not detailed in the provided data.
Revenue
In the fourth quarter of fiscal year 2025 (Q4FY25), Kotak Mahindra Bank Ltd reported a total income of ₹27,907.33 crores. This reflects a quarter-over-quarter (QoQ) increase of 16.5% from ₹23,945.79 crores in Q3FY25 and a year-over-year (YoY) growth of 34.6% from ₹20,730.88 crores in Q4FY24. The substantial increase in total income over both periods suggests robust revenue growth. The bank's ability to increase its income significantly could be attributed to various factors such as an increase in customer base, enhanced product offerings, or possibly improved market conditions.
Profitability
For Q4FY25, Kotak Mahindra Bank Ltd achieved a profit before tax of ₹6,775.02 crores, marking a QoQ growth of 9.6% from ₹6,180.08 crores in Q3FY25 and a YoY increase of 13.1% from ₹5,988.72 crores in Q4FY24. The profit after tax for the same period was ₹5,337.20 crores, which is a 13.5% increase QoQ and a 16.9% increase YoY. The tax amount for Q4FY25 was ₹1,532.77 crores, showing a slight decrease of 0.5% QoQ but an increase of 5.0% YoY. The earnings per share (EPS) rose to ₹26.60 in Q4FY25 from ₹23.60 in Q3FY25 and ₹22.80 in Q4FY24, reflecting a 12.7% QoQ and 16.7% YoY growth. These metrics indicate a period of increased profitability for the bank.
Operating Metrics
In Q4FY25, Kotak Mahindra Bank Ltd faced total expenses of ₹20,690.26 crores, which represents a 23.8% increase QoQ from ₹16,711.54 crores in Q3FY25 and a 41.8% increase YoY from ₹14,593.82 crores in Q4FY24. Provisions and contingencies for Q4FY25 stood at ₹442.05 crores, showing a significant decrease of 58.1% QoQ from ₹1,054.17 crores in Q3FY25 but a notable increase of 198.0% YoY from ₹148.34 crores in Q4FY24. These figures reflect the bank's operational adjustments and financial strategies during the quarter. The decrease in provisions and contingencies QoQ could suggest a change in the risk profile or credit quality of the bank's portfolio during the period.
