Kotak Bank , one of India's leading private sector banks, held its 40th Annual General Meeting (AGM) on August 2, 2025, where Chairman C S Rajan addressed shareholders and highlighted the bank's strong financial performance for the fiscal year 2024-25 (FY25).

Financial Highlights

The bank reported impressive growth across various financial metrics:

• Consolidated Profit After Tax (PAT) grew by 21% year-on-year to ₹22,126.00 crore in FY25
• Standalone PAT increased by 19% to ₹16,450.00 crore
• Net Interest Income rose by 9% to ₹28,342.00 crore
• Net Interest Margin stood at 4.96%

It's worth noting that the consolidated PAT included a one-time gain of ₹3,013.00 crore from the divestment of Kotak Mahindra General Insurance Company Limited.

Strong Performance Across Subsidiaries

The bank's capital market businesses demonstrated exceptional performance:

• Kotak Securities' PAT increased by 34% to ₹1,640.00 crore
• Asset Management Company's PAT jumped by 86% to ₹977.00 crore
• Kotak Mahindra Capital Company's PAT grew by 68% to ₹361.00 crore

Asset Quality and Capital Adequacy

Kotak Mahindra Bank maintained a healthy asset quality:

• Gross Non-Performing Assets (NPA) at 1.42%
• Net NPA at 0.31%
• Capital Adequacy Ratio (CAR) at a robust 22.2%

Strategic Initiatives and Acquisitions

The bank completed the acquisition of Standard Chartered's personal loan portfolio during Q4 FY25, further strengthening its retail lending capabilities.

Corporate Governance and Leadership Changes

The AGM also addressed important corporate governance matters:

• Ms. Shanti Ekambaram, Deputy Managing Director, will retire on October 31, 2025
• The bank reaffirmed its commitment to upholding high standards of integrity, transparency, and accountability

Awards and Recognition

Kotak Mahindra Bank received several accolades, including:

• Recognition as Best Large-Cap Company by Finance Asia
• Ranked among India's Top 100 Best Companies to Work for two consecutive years (2024 and 2025)
• Listed among India's Top 50 Most Sustainable Companies by Business World 2024

Economic Outlook

Chairman C S Rajan commented on the macro-economic environment, noting that despite global uncertainties, the Indian economy showed resilience with a growth rate of 6.5% in FY25. However, he cautioned about potential challenges, including the impact of tariffs on Indian exports to the USA and expectations of GDP growth slowing to 6.2% in FY26.

The bank's focus on customer-centric strategies, digital transformation, and sustainable growth positions it well for future challenges and opportunities in the evolving financial landscape.

Kotak Bank , one of India's leading private sector banks, witnessed a significant block trade on the National Stock Exchange (NSE) involving approximately 406,028 shares. The transaction, valued at Rs. 78.89 crores, took place at a price of Rs. 1,943.00 per share.

Block Trade Details

The block deal, which represents a substantial institutional transaction, highlights continued investor interest in Kotak Mahindra Bank's shares. Such large-scale trades are often indicative of institutional investors' confidence in a company's financial health and future prospects.

Market Impact

While the immediate market impact of this block trade remains to be seen, it's worth noting that such significant transactions can sometimes influence short-term price movements and trading volumes.

Recent Corporate Developments

In other news related to Kotak Mahindra Bank, the company recently made an announcement regarding the re-lodgement of transfer requests for physical shares. This development comes in response to a circular issued by the Securities and Exchange Board of India (SEBI).

Special Window for Share Transfer Re-lodgement

The bank has opened a special window to facilitate the re-lodgement of transfer requests for physical shares. This opportunity is specifically for shareholders whose transfer requests were lodged prior to April 1, 2019, and were rejected, returned, or not processed due to document deficiencies or other reasons.

Process for Re-lodgement

Eligible shareholders can re-lodge their transfer deeds along with necessary documents to the bank's Registrar and Transfer Agent, KFin Technologies Limited. It's important to note that during this period, shares re-lodged for transfer will only be issued in dematerialized form, subject to verification and approval of all submitted documents.

Investor Advisory

Kotak Mahindra Bank advises shareholders to take advantage of this opportunity if they missed the earlier deadline for re-lodgement of transfer deeds. The bank emphasizes the importance of submitting complete and accurate documentation to ensure smooth processing of transfer requests.

This initiative aligns with SEBI's ongoing efforts to enhance ease of doing investments and streamline share transfer processes in the Indian securities market.