Kotak bank has announced the availability of its Q3FY26 earnings conference call recording, providing investors and stakeholders access to detailed discussions about the bank's financial performance for the quarter and nine months ended December 31, 2025.

Earnings Call Details

The earnings conference call was conducted on January 24, 2026 at 5:15 p.m. (IST) to discuss the bank's consolidated and standalone unaudited financial results. The call covered comprehensive analysis of the bank's performance during the third quarter of fiscal year 2026.

Investor Access and Availability

The audio recording has been made available on the bank's official website under the investor relations section. Stakeholders can access the complete recording through the bank's financial results page at kotak.bank.in/en/investor-relations/financial-results.html.

Regulatory Compliance

The bank has formally notified both BSE Limited and National Stock Exchange of India Limited about the availability of the earnings call recording. This communication ensures compliance with regulatory requirements and maintains transparency with market participants.

The notification was signed by Avan Doomasia, Company Secretary of Kotak Mahindra Bank Limited, ensuring proper authorization and documentation of this investor communication.

Kotak Mahindra Bank Limited has filed its compliance documentation for Asset Cover Ratio computation as at December 31, 2025, in accordance with Regulation 54 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The filing was submitted to both BSE Limited and National Stock Exchange of India Limited on January 24, 2026.

Regulatory Compliance Filing

The bank submitted the statement on computation of Asset Cover Ratio for its non-convertible debt securities, together with unaudited financial results for the quarter and nine months ended December 31, 2025. This information has also been uploaded on the bank's official website as required under the listing regulations.

The filing was signed by Avan Doomasia, Company Secretary, and includes comprehensive details of the bank's asset and liability structure as at the specified date.

Asset Cover Statement Details

The security cover statement provides a detailed breakdown of the bank's financial position as at December 31, 2025:

On the liabilities side, the statement shows:

Independent Auditor Certification

Deloitte Haskins & Sells, one of the joint statutory auditors of the bank, issued an independent auditor's certificate on the book value of assets contained in the security cover statement. The certificate confirms that the book value of assets in columns A to J of the statement are in agreement with the unaudited books of accounts and financial results for the quarter and nine months ended December 31, 2025.

The auditor's certificate was signed by G. K. Subramaniam, Partner, and dated January 24, 2026, from Hyderabad.

Financial Results Overview

The filing includes both consolidated and standalone unaudited financial results for the reporting period. The consolidated results show the bank's performance across all its subsidiaries and associates, while the standalone results focus specifically on the bank's core banking operations.

Both sets of financial results were reviewed by the joint statutory auditors M M NISSIM & CO LLP and Deloitte Haskins & Sells, who issued unmodified review reports on the financial information.

Regulatory Framework

The Asset Cover Ratio computation is a mandatory requirement under SEBI regulations for banks with listed non-convertible debt securities. This ensures adequate security coverage for debt holders and maintains transparency in the bank's financial reporting.

The comprehensive filing demonstrates the bank's commitment to regulatory compliance and provides stakeholders with detailed information about the security backing its debt instruments.

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