Kotak Mahindra Bank Ltd.

Financial

	Kotak Mahindra Bank	Axis Bank	Yes Bank
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	22.98 %	19.11 %	n/a
% of AUM in equity fund	59.2 %	59.89 %	n/a
AUM - Mutual Funds	504679.77 Crs	328058.41 Crs	n/a
Banking Sector
Cost To Income Ratio	47.71 %	47.0 %	67.3 %
Fresh Slippages - Quarterly	1488.0 Crs	4805.0 Crs	1223.0 Crs
Credit Deposit Ratio	85.54 %	88.73 %	86.5 %
Net Interest Margin	4.97 %	4.08 %	2.5 %
Gross NPA	1.42 %	1.28 %	1.6 %
Net NPA	0.31 %	0.33 %	0.3 %
CASA Ratio	43.0 %	41.0 %	34.3 %
CASA vs Liabilities	30.94 %	29.87 %	23.05 %
Capital to Risks Assets Ratio (CRAR)	23.3 %	17.07 %	15.4 %
Tier I Capital	22.3 %	14.67 %	12.2 %
Tier 2 Capital	1.0 %	2.4 %	3.2 %
General Insurance Sector
Yield On Total Investments - General Insurance	7.51 %	n/a	n/a
Float	1249.86 Crs	n/a	n/a
Combined Ratio	122.0 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	233.66 Crs	n/a	n/a
Risk Retention Ratio	68.0 %	n/a	n/a
Life Insurance Sector
Commission Ratio - Life Insurance	9.39 %	n/a	n/a
Value Of New Business Margin (VNB)	25.0 %	n/a	n/a
Management Expense Ratio - Life Insurance	21.53 %	n/a	n/a
New Business Performance - Life Insurance	369.14 Crs	n/a	n/a
AUM - Life Insurance	85478.0 Crs	n/a	n/a
Claim Settlement Ratio	99.63 %	n/a	n/a
Embedded Value	17612.0 Crs	n/a	n/a
61 Month Persistency Ratio	57.71 %	n/a	n/a
13 Month Persistency Ratio	82.24 %	n/a	n/a
NBFC
Cost of Borrowing	5.09 %	5.5 %	6.4 %
Financials
5 yr Average ROE	13.84 %	10.03 %	-14.4 %
5yr average Equity Multiplier	5.86	10.11	9.59
5yr Average Asset Turnover Ratio	0.11	0.08	0.09
5yr Avg Net Profit Margin	19.32 %	11.46 %	-9.38 %
5yr Avg Net Profit Margin	19.32 %	11.46 %	-9.38 %
5yr CAGR Net Profit	16.21 %	70.1 %	n/a
5yr CAGR Sales	13.36 %	11.5 %	-2.81 %
5 yr CAGR PPOP	13.07 %	10.4 %	-22.03 %
Price to Book	2.62	1.98	1.37
P/E	18.62	13.21	26.73
Shareholdings
Promoter Holding	25.88 %	8.18 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.52 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.08 %	9.31 %	1.18 %

Business

	Kotak Mahindra Bank	Axis Bank	Yes Bank
Loan Break-Up	Loan Break-Up Home loans 28.59 Corporate Banking 20.88 Commercial Vehicles 9.68 Business Banking 9.63 SME 8.05 Agricultural 6.32 Consumer Durable 5.59 Tractor finance 4.01 Small & Medium Enterprises (SME) loans 3.02 Consumer Bank 0 Auto loans 0 Vehicle Loans 0 Housing 0 Trade 0 Commercial Real Estate 0 Non-banking financial companies (NBFCs) 0 Infrastructure 0 Basic Metal & Metal Products 0 Chemical & Chemical products 0 Agriculture and allied activities 0 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Others 4.23	Loan Break-Up Auto loans 0 Small and Micro Enterprise 0 SME 0 Housing 23.22 NBFC 2.96 Medium Enterprise 0 Consumer Durable 0 Small & Medium Enterprises (SME) loans 0 Commercial Vehicles 0 Metals 2.63 Business Banking 0 Infrastructure 6.34 Trading 5.35 Tractor finance 0 Auto loans 5.87 Consumer Bank 0 Agricultural 0 Commercial Real Estate 3.58 Corporate Banking 0 Chemicals 2.77 Home loans 0 Investment Banking 0 Retail Banking 0 Agricultural 11.04 Others 36.24	Loan Break-Up Auto loans 0 Small and Micro Enterprise 17.73 SME 0 Housing 0 Non-banking financial companies (NBFCs) 0 Medium Enterprise 17.02 Consumer Durable 0 Small & Medium Enterprises (SME) loans 0 Commercial Vehicles 0 Basic Metal & Metal Products 0 Business Banking 0 Infrastructure 0 Trade 0 Tractor finance 0 Vehicle Loans 0 Consumer Bank 0 Agricultural 0 Commercial Real Estate 0 Corporate Banking 23.99 Chemical & Chemical products 0 Home loans 0 Investment Banking 0 Consumer Finance 41.25 Agriculture and allied activities 0 Others 0.01
Segment Break-Up	Segment Break-Up Consumer Finance 29.53 Insurance 23.71 Corporate Banking 22.5 Treasury Operations 11.08 Auto Loans 3.55 Broking 3.3 Asset Management 3.25 Advisory 1.12 Corporate/Wholesale Banking 0 Treasury 0 Others 1.96	Segment Break-Up Broking 0 Corporate Banking 20.77 Advisory 0 Corporate Banking 0 Treasury Operations 13.11 Consumer Finance 0 Auto Loans 0 Asset Management 0 Treasury Operations 0 Insurance 0 Others 66.12	Segment Break-Up Broking 0 Corporate Banking 34.3 Advisory 0 Corporate Banking 0 Treasury Operations 20.83 Consumer Finance 0 Auto Loans 0 Asset Management 0 Treasury Operations 0 Insurance 0 Others 44.87
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 97.75 Rest of the World 2.25	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 36.41 Consumer Finance 23.34 Treasury Operations 18.5 Asset Management 10.19 Lending 3.28 Broking 3.12 Auto Loans 2.96 Insurance 2.19 Advisory and Transactional Services 0 Treasury 0 Others 0.01	Operating Profit Break-Up Lending 0 Advisory and Transactional Services 0 Broking 0 Corporate Banking 0 Treasury Operations 13.01 Consumer Finance 0 Auto Loans 0 Asset Management 0 Treasury Operations 0 Insurance 0 Others 86.99	Operating Profit Break-Up Lending 0 Advisory and Transactional Services 0 Broking 0 Corporate Banking 0 Treasury 47.61 Consumer Finance 0 Auto Loans 0 Asset Management 0 Treasury Operations 0 Insurance 0 Others 52.39
Borrowings Break-Up	Borrowings Break-Up Borrowings in India- Other Institutions and Agencies 64.35 Borrowings in India- Other Banks 25.8 Borrowings in India- Other Banks 9.85 0 Financial Institutions & Agencies 0 Banks 0 Borrowings outside India 0 Reserve Bank of India 0 Tier II Borrowings 0 IPDI 0	Borrowings Break-Up Borrowings in India- Other Banks 0 Reserve Bank of India 0 Banks 6.96 Tier II Borrowings 0 Borrowings outside India 15.81 0 IPDI 0 Financial Institutions & Agencies 77.23 0	Borrowings Break-Up Borrowings in India- Other Banks 0 Reserve Bank of India 2.06 Banks 0 Tier II Borrowings 17.44 Borrowings outside India 15.24 0 IPDI 0 Financial Institutions & Agencies 0 0 Others 65.26
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 63.36 Health Insurance 30.42 PERSONAL ACCIDENT 3.3 Fire Equipment 1.64 Others 1.28	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 60.3 Debt 18.32 Liquid/ Money Market 15.39 ETF 4.16 Balanced schemes 0 PMS & others 0 Insurance 0 Offshore funds 0 Alternate asset 0 Fund of Funds 0 FMP 0 Gilt 0 Others 1.83	AUM Break-Up - Asset Management ETF 1.3 PMS & others 0 Liquid/ Money Market 21.62 Debt 15.05 Equity 60.58 Fund of Funds 0.64 FMP 0.05 Gilt 0.29 Alternate asset 0 Insurance 0 Offshore funds 0 Balanced schemes 0.47	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 55.35 Priority Sector 44.65 Non-Priority sector Breakup 0 Priority sector Breakup 0 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Non Priority sector 0 Priority Sector 38.1 Non Priority Sector 0 Priority sector 0 Priority Sector 0 Non Priority Sector 61.9	Priority vs Non-Priority Sector Non Priority Sector 57.88 Priority sector Breakup 0 Non Priority Sector 0 Priority Sector 42.12 Priority Sector 0 Non-Priority sector Breakup 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non-Participating Products 39.7 Participating Products 29.6 ULIP 17.5 Annuity products 13.2	-	-

Kotak Mahindra Bank Ltd.

SIGN UP FOR FREE