Kotak Mahindra Bank has released its investor presentation detailing the consolidated and standalone unaudited financial results for the quarter and nine months ending December 31, 2026. The presentation provides insights into the bank’s financial performance, key highlights, and strategic initiatives. Consolidated PAT stands at ₹4,924 cr for Q3FY26.
Consolidated Highlights for Q3FY26
The presentation highlights the following key consolidated figures for Q3FY26:
- PAT: ₹4,924 cr, a 5% increase YoY.
- ROA: 2.10%
- ROE: 11.39%
- Customer AUM at ₹787,950 cr, up 15% YoY.
- Customer Assets at ₹598,780 cr, also up 15% YoY.
- CAR: 23.3%
- CET-I: 22.4%
- Book Value/Share: ₹176, a 15% increase.
Kotak Group PAT – Q3FY26
The Kotak Mahindra Bank’s contribution to the group’s PAT stood at ₹3,446 cr. Kotak Mahindra Prime’s PAT stood at ₹250 cr, and Kotak Securities contributed ₹431 cr.
Kotak Group PAT – 9MFY26
For the nine months ending December 31, 2026, the key figures are:
- Kotak Mahindra Bank PAT: ₹9,981 cr
- Kotak Securities PAT: ₹1,242 cr
Bank Highlights
Key standalone figures for Kotak Mahindra Bank for Q3FY26 are:
- PAT: ₹3,446 cr, a 4% increase YoY.
- NIM: 4.54%
- ROA: 1.89%
- Cost/Income: 48.3%
- Credit Cost: 0.63%
- Customer Assets: ₹529,455 cr, a 15% increase YoY.
- Deposits: ₹542,638 cr, a 15% increase YoY.
- Net NPA: 0.31%
- CASA Ratio: 41.3%
- CAR: 22.6%
- CET-I: 21.5%
Asset Quality
The bank’s asset quality includes:
- Opening GNPA: ₹6,480 cr
- Closing GNPA: ₹6,320 cr
- GNPA (%): 1.30%
- NNPA (%): 0.31%
- PCR (%): 76%
Source: BSE
