ABOUT US

Addressing aspirations of a

CHANGING WORLDCHANGING WORLDCHANGING WORLD

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.

Kotak is one of India’s leading diversified and integrated financial services conglomerates, providing a wide span of solutions covering banking (consumer, commercial, corporate), credit and financing, asset management, life and general insurance, stock broking, investment banking, private banking, microfinance and asset reconstruction, across customer and geographic segments within India. As a group, we also operate in overseas markets through international subsidiaries or branches in key geographies. With greater focus on customers, technology and talent, we are emerging through a transition to achieve a business transformation.

Our consolidated asset base was at `5.5 trillion while our market capitalisation stood at `3.5 trillion (as on 31st March, 2022).

KOTAK UNIVERSE^

`5,46,498 Cr

Total assets

~`6,41,000 Cr

Private Banking, priority and investment advisory relationship value

`3,10,087 Cr

Total deposits

`3,04,474 Cr

Total advances

`1,15,907 Cr*

Total investments

90,000+

Full time employees

5,75,000+

Shareholder base

32.7 mn

Number of customers of the Bank

^All numbers are on a consolidated basis except where stated | 1GRI 102-7, GRI 201-1 | *Excludes Policyholders’ investments

REIMAGINING CUSTOMER JOURNEY ACROSS PLATFORMS

PHYSICAL FOOTPRINT2

Our wide distribution network of branches and franchises across India enables us to reach out to a wide customer base. We also have an international banking unit in Gujarat International Finance Tec-City (GIFT City), a bank branch in Dubai International Financial Centre (DIFC), and international offices in New York, London, Mauritius, Dubai, Singapore, and Abu Dhabi.

1,700^

Bank branches

2,705

Bank ATMs

812

Bank Pan-India operating locations

4,052#

Group branch network in India

Group branch network in India

117

253

1,476#

87

19

400

We have designed our digital universe to complement our physical infrastructure and create a seamless experience between the two ecosystems.
DIGITAL ECOSYSTEM

Our digital ecosystem complements our physical infrastructure and enables our customers access, round the clock, to financial services from anywhere. Our services are available on a wide range of digital channels such as WhatsApp, missed call, chatbot, voicebot, mobile app and kiosk. To provide ease of access, information and short videos are made available in English, Hindi and other vernacular languages. Bots are deployed to automate services, go paperless and deliver faster.

  • Our digital strategy and initiatives are centered around our customers across acquisition, engagement and service and across our value proposition of saving, lending, payment, investment protection, powered by artificial intelligence and machine learning.
  • We continue to focus on each of the aspects of technology, infrastructure, applications and DIY customer journeys towards scalability, agility, and resilience.

Digital universe

23.5 mn

Debit cards in force

3.2 mn

Credit cards in force

131%

Growth in transaction volume on mobile app

97%+

Savings account transactions through digital or non-branch modes

Our Phygital strategy finds relevance in today’s day and age of accelerated digital transformation. It has helped redefine bank-customer relationships, placing greater focus on increased customer engagement, on customer centricity, and on cost efficiencies.

^Does not include branches in GIFT City and DIFC (Dubai) | #Kotak Securities network includes branches, franchises and referral co-ordinators | 2GRI 102-4, GRI 102-6, GRI 102-7 | YoY