Results of Kotak Mahindra Bank Q4: Independent profit decreases by 14 % year on an annual basis to 3552 rupees

Kotak Mahindra has reported a 14 % decrease on an annual basis in an independent net profit for January 3 on May 3. The private sector lender recorded an independent profit of 3552 rupees for Q4 FY25.

Rulings and emergency increased during the quarter by more than three times to 909 rupees, reflecting the bank’s cautious approach in the quality of the assets.

Despite the rise in supply, the quality of Kotak’s assets improved marginally. The total non -performance assets (GNPA) reached 1.42 % as of March 31, 2025 compared to 1.50 % at the end of December 2024.

The loan growth remained strong, as progress increased by 13 % on an annual basis, while deposits grew by 15 % during this quarter.

In addition, the net interest income (NII) increased by 5 % to 7,284 rupees. However, the bank’s net interest margin (NIM) contracted to 4.97 % of 5.28 % a year ago. Continuously, NIM showed a slight improvement of 4.93 % in the quarter -finals.

The bank’s total income grew by 6.8 % on an annual basis to 3,182.5 rupees, while total spending increased by 14.4 % year on an annual basis to 11,240 rupees. The net interest margin of the lender (NIM) reached 4.96 % for the fiscal year 25 and 4.97 % for Q4FY25. Average average 15 % annual deposits jumped to 4,68,486 rupees in Q4FY25.

On the asset quality front, NPA (GNPA) reached 1.42 %, NNPA net at 0.31 %, compared to 1.39 % of gross national product and 0.34 % NNPA a year ago. The savings coverage rate was 78 %.

CASA was from March 31, 2025, 43 %; The credit to elementary credit was 85.5 %. The capital adequacy rate reached 22.2 %.

For the entire fiscal year 2024-25, the bank’s profit on an independent basis rose to 16,450 rupees compared to 13782 rupees in the previous year.

“The bank’s profit for the fiscal year 25 to 16,450 rupees rose (including profit on the withdrawal of general insurance of Kotak of 2,730 rupees) from 13,782 rupees in the fiscal year 24, an increase of 19 percent of the annual.

The bank council announced the distribution of profits of $ 2.50 per share.