Change is inevitable. Change is exciting. It not only empowers humanity to ride the ebb and flow of life, but also enables people to thrive in the new. Pushing the limits of human ingenuity and triggering breakthrough innovation, the oftenunprecedented nature of change, only exemplifies its need to keep the wheels of progress rolling, akin to the unfolding of events during the past two years.
Kotak has always been at the forefront of transformation in the Indian financial services landscape. Kotak continues to evolve and invest in making a bouquet of products and solutions affordable, accessible and customizable using trust, technology and teams for the ever-changing needs and aspirations of its customers.
Know MoreKOTAK UNIVERSE^
Total assets
Private Banking, priority and investment advisory relationship value
Total deposits
Total advances
Total investments
Full time employees
Shareholder base
Number of customers of the Bank
As at 31st March, 2022
^All numbers are on a consolidated basis except where stated | *Excludes Policyholders’ investments
“The word that has resonated the most with me, especially post-Covid, is humility. Whether it is political leaders, central bankers, business leaders or the householder, change is on us and at us - like we have never seen before, and none of us can pretend we know its contours and how things will play out.”
Uday Kotak Managing Director & CEO
Net Interest Income (` in crore)
CAGROperating Profit (` in crore)
CAGRNet Profit (` in crore)
CAGREarnings Per Share (EPS) (` in crore)
CAGR
5-Year CAGR | *excluding dividend and interest on income tax refunds
Current Account and Savings Account (CASA) Balances (Bank standalone)
CAGR
Deposits (` in crore)
CAGRAdvances (` in crore)
CAGR 5-Year CAGR
Bank Capital Adequacy Ratio
and Tier 1 Capital (%)
Capital & Reserves and Surplus (` in crore)
CAGRTotal Assets (` in crore)
CAGR 5-Year CAGR
Book Value Per Share (` in crore)
CAGRMarket Capitalisation (` in crore)
CAGRPrice-to-earnings (P/E) as on 31st March, 2022
Price-to-book (P/B) as on 31st March, 2022
Return on Assets (ROA) for FY 2021-22
Return on Equity (RoE) for FY 2021-22
5-Year CAGR
Total Assets Under Management (` in crore)
CAGRKotak Securities – Average Daily Volume (ADV)^ (` in crore)
CAGRKotak Life Insurance - Gross Written Premium (` in crore)
CAGRKotak Mahindra Asset Management – AAUM# - Equity (` in crore)
CAGR 5-Year CAGR
^excluding BSE Derivative & Proprietary Segments
#Average assets under management
Reduction in Scope 1+ Scope 2 emission intensity at the Bank@
Electricity from renewable sources used in the Group’s large offices
Waste recycled of the waste generated at the Group’s large offices
Women employees across the Group
Average hours of training per Bank employee
Growth in Bank’s customer base
Total CSR expenditure (Bank)
Total CSR expenditure (Group)
Average tenure of the executive leadership team at the Bank
as assessed by IiAS on the IFC-BSE-IiAS Indian Corporate Governance Scorecard based on G20/OECD corporate governance principles.
@Reduction in intensity despite expansion in scope of emission coverage | * includes both full-time and part-time employees | YoY
Our transition from what the world christened the ‘new normal’ to ‘never normal’ has taught us that there will always be unforeseen volatilities to overturn the status quo.
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Customer centricity
Digital Prowess
Technology strengths
Talent
Kotak811 is a full-fledged banking solution for young and digital savvy customers, who are transaction heavy, credit hungry & prefer sachet products.
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Kotak811 customers
Customer presence
Growth in customer base
Growth in cross sell units
YoY
The Bank 
The Group
Customer Deposits
Borrowing
Capital & Reserves and Surplus
Assets Under Management
Net Profit (PAT)
Capital Adequency Ratio (CAR)
Net Interest Margin (NIM)^
Return on Assets (ROA)
Net NPA ratio
^Excluding dividend and interest on income tax refunds.
Our fulltime workforce
Investment in training and development
Employee wellness initiatives
Comprehensive employee benefits
Trust Impact score by GPTW#
Total training hours
Women employee base
#For details please refer chapter Empowering our Employees | *includes both full-time and part-time employees
LEED-Certified premises
Group branch network in India
Bank ATMs
Number of business
correspondent locations
Total number of servers
Investment accounts sourced
via app & netbanking
Growth in transactions
volume on mobile app
Share of credit cards sourced
through digital platforms
Increase in average monthly
active users for Keya Chatbot
#Kotak Securities network includes branches, franchises and referral co-ordinators; doesn’t include Bank branches in GIFT City and DIFC (Dubai) | YoY | @Q4FY22 vs. Q4FY21
Our growing customer base
Shareholder base
Our vendors, distributors and business partners
Community development projects
Customer grievances resolved within stipulated turnaround time
Growth in microfinance loan book
Growing number of beneficiaries impacted by CSR projects
YoY
Energy consumed
Renewable energy use
Water consumed
Energy efficiency
initiatives
A4-size sheets saved
Water saved due to recycling
Emissions avoided
Waste recycled of the
waste generated at the
Group’s large offices
Scope 1 and Scope 2 emission
intensity reduction *
YoY
*Reduction in intensity despite expansion in scope of emission coverage
The previous two financial years were heavily disrupted by the pandemic. Banks and financial institutions across the world accelerated technology adoption to embrace the change and stay relevant. The time is rife to institutionalise the change and move ahead in the world of new normal.
Elevating customer experience is a key imperative in retaining the existing customers as well as attracting new ones. Over the last several years, customer needs have evolved beyond frictionless and instant banking to personalised banking.
Our strategic priorities are focused around customers, technology and talent and to build a future ready financial services group.
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Technology leadership to ‘run the bank’ and ‘change the bank’
SDG Linkage:
Leadership in digital capabilities
SDG Linkage:
Customer centricity
SDG Linkage:
Expanding access to low-cost liabilities
SDG Linkage:
Pursue advances growth, ensuring right asset quality additions at risk adjusted pricing, and appropriate risk management
SDG Linkage:
Executing with discipline – efficiency, productivity and capital
SDG Linkage:
Approaching financial inclusion as an opportunity
SDG Linkage:
Attracting, retaining and building a team of talented, engaged and motivated employees in an agile structure
SDG Linkage:
Leverage strong standing to pursue inorganic opportunities
SDG Linkage:
Robust risk management policies, protocols and processes have enabled us to preserve and generate value for our stakeholders. In FY 2021-22, we initiated the process of expanding our risk management process to assess climate risk to help identify risks and opportunities arising from climate change.
Know MoreSTAKEHOLDER ENGAGEMENT
Deep and meaningful engagement is vital to foster stakeholder relationships based on transparency, trust and respect. Our Group has developed a structured approach to stakeholder engagement with the objective of identifying stakeholders’ current and emerging needs and expectations.
Our Group’s commitment to ESG is deep rooted in our ethos of ethics, stakeholder inclusiveness and sustainability. We have embedded a long-term time horizon in our business and risk management processes to enable sustained value creation.
Know MoreIn electric vehicles financed by KMPL in FY 2021-22 compared to FY 2020-21
Solar Power financing by KIAL advised funds
Enabled settlements on e-NAM platform
Number of lending proposals evaluated for ESG aspects
Our environmental management practices are focused on reducing the operational carbon footprint through transition to ‘Phygital’ service delivery, clean energy procurement, responsible resource utilisation and conscious energy reduction measures.
Know MoreReduction in Sope 1 + Scope 2 emission intensity for the Bank*
Waste recycled out of the waste generated at the Group’s large offices
Electricity from renewable sources used in the Group’s large offices
*Reduction in intensity despite expansion in scope of emission coverage
A talented, diverse and empowered workforce is at the core of our success. Our Group’s concerted training and development efforts coupled with active employee engagement augments employee well-being and productivity.
Know MoreTotal Employees at our Group
Full time employees of the Bank
Women Employees at our Group
Women employees at the Bank
*includes 90,000+ full-time employees and 30,000+ part-time employees
We are cognisant of the critical role we can play in creating a positive impact in the lives of communities through financial inclusion efforts and Corporate Social Responsibility (CSR) initiatives.
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Our Group is committed to maintaining a meaningful and long-lasting relationship with our customers and has adopted a customer centric approach that blends our digital capabilities and market insights to deliver seamless and differentiated customer experience. In addition, our Group commits to implement quality systems and processes to secure our customers’ personal data.
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Growth in Kotak Mahindra Bank’s Customer Base
Growth in Customer Assets
Kotak Mahindra Bank’s Customer Base
YoY
Business ethics and corporate governance are key value drivers, and we ensure our practices are aligned to the regulatory requirements as well as global best practices. Policies, systems and procedures are in place to ensure transparency, efficiency and accountability.
Know MoreAverage tenure of the Executive leadership team at the Bank
Reported breaches of customer privacy
as assessed by IiAS on the IFC-BSE-IiAS Indian Corporate Governance Scorecard based on G20/OECD corporate governance principles.
Kotak Mahindra Group (Kotak) is a trendsetter in the Indian BFSI industry since its inception and continues to contribute to nation-building and sustainable value creation. We are honoured to be recognised for our success as we continue our journey.
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Kotak Mahindra Bank awarded as one of the Best Brands 2021 by The Economic Times. Elizabeth Venkataraman accepts the award on behalf of the bank
Kotak Securities Limited honoured with two awards by Quantic India - Best Stock Broking Company of the Year and Best Cloud Initiative (Stock Broking Company). L to R - Sandeep Chordia, Manish Jain, Amit Shah, Vibhor Singhvi and Hardik Joshi receive the award on behalf of Kotak Securities Limited