Kotak Mahindra Bank Limited (KOTAKBANK) — FY25 Annual Report | 9 July 2025(2 announcements)

Kotak Mahindra Bank's FY 2024-25 annual report highlights robust financial performance with consolidated PAT of ₹22,125.99 crore, 19% YoY growth, and a proposed dividend of ₹2.50 per share. The bank successfully lifted RBI supervisory restrictions in February 2025, enabling full operational resumption. Key growth drivers include 17% deposit growth, 35% savings account throughput growth, and 11% wholesale banking book expansion. The bank advanced digital transformation through AI/ML tools, enhanced customer experience with 5% cashback offers, and expanded green finance with ₹7,900 crore in green assets. ESG initiatives include 27% board gender diversity, 5.5% renewable energy usage, and ₹241.20 crore CSR expenditure. The bank maintains strong capital adequacy (23.31% CRAR) and liquidity (124.92% LCR), with no material audit qualifications.

Kotak Mahindra Bank's FY 2024-25 annual report highlights robust financial performance with consolidated PAT of ₹22,125.99 crore (up 19% YoY), CET1 ratio of 22.34%, and NIM of 4.97%. The bank successfully lifted RBI supervisory restrictions in February 2025 after remediation, enabling full operational resumption. Key growth areas include consumer assets (17% YoY), deposits (11% YoY), and SME advances (11% growth). Strategic initiatives focus on digital transformation (Kotak811, AI platforms), ESG integration (45.09% PSL coverage, ₹7,900 crore green assets), and talent development (33.3% attrition reduction). The bank proposed a dividend of ₹2.50 per share (up from ₹2.00), reflecting strong capital adequacy (23.31% CAR) and resilience across segments including wholesale banking (19 IPOs handled) and private banking (2,692 new ultra-HNI families).