BY

K.RAMESH
B7-26

COMPANY REVIEW
SESSION
Registered Office:
Kotak Mahindra Bank Ltd,
36-38A, Nariman Bhavan,
227 Nariman Point,
Mumbai - 400 021

FOREIGN BRANCHES:
LONDON(UK)
NEWYORK(USA)
PORT LOUIS(MAURITIUS)
SINGAPORE
DUBAI
UNITED ARAB EMIRATES

KOTAK MAHINDRA BANK
BANK PARTICULARS:

TYPE : PUBLIC
TRADED AS : BSE 500247
NSE KOTAKBANK
INDUSTRY : FINANCIAL SERVICE
FOUNDED : 1985
PRODUCTS : DEPOSIT ACCOUNTS,
LOANS,TRASURY,
INVESTMNET
SERVICE ETC.
WEBSITE : WWW.KOTAK.COM
DATE OF INCORPORATION:
KOTAK MAHINDRA BANK IS AN
INDIAN BANK AND FINANCIAL SERVICE FIRM ESTABLISHED
IN 1985. IT WAS PREVIOUSLY KNOWN AS KOTAK MAHINDRA
FINANCE LIMITED, A NON-BANKING FINANCIAL COMPANY.

ACTIVITY: PRIVATE BANKING AND FINANCIAL
SERVICES
SECTOR: SERVICE
SHARE HOLDING PATTERN:

KOTAK MAHINDRA BANK
DESCRIPTION PERCENT OF SHARE (%)
PROMOTERS 45.32
INDIVIDUALS 12.12
INSTITUTIONS 4.66
FII 28.24
GOVT. 0.0
OTHERS 9.66
RATINGS BY OUTSIDE AGENCIES
Standard & Poor's (S&P) ratings services assign 'BBB-'
long-term and 'A-3' short-term counterparty credit ratings to
Kotak Mahindra Bank. The outlook on the long-term rating
is negative.

Credit rating agency ICRA today assigned the highest 'LAA'
rating to the proposed Rs. 100 crore upper Tier II bonds
programme of Kotak Mahindra Bank.


KOTAK MAHINDRA BANK
KOTAK MAHINDRA BANK
CEO & DIRECTORS

MR.UDAY KOTAK
DR.SHANKAR
ACHARYA
MR.DEEPAK GUPTA MR.C.JAYRAM
KOTAK MAHINDRA BANK
HISTORY:
THE COMPANY WAS FOUNDED BY UDAY KOTAK.

IN 2003, THE COMPANY CONVERTED TO A COMMERCIAL BANK
WHEN IT RECEIVED A LICENSE FROM THE RESERVE BANK OF
INDIA, BECOMING THE FIRST INDIAN FINANCE COMPANY TO
DO THIS.

KOTAK MAHINDRA BANK ALSO REACHED THE TOP 100 MOST
TRUSTED BRANDS OF INDIA IN THE BRAND TRUST
REPORT PUBLISHED BY TRUST RESEARCH ADVISORY IN 2011.
KOTAK MAHINDRA BANK

MISSION:

VALUE CREATION RATHER THAN SIZE ALONE WILL BE OUR
BUSINESS DRIVER.

VISION:

TO BE THE MOST TRUSTED GLOBAL INDIAN FINANCIAL SERVICES
BRAND AND THE MOST PREFERRED FINANCIAL SERVICES
EMPLOYER WITH FOCUS ON CREATING VALUE.


KOTAK MAHINDRA BANK
CORPORATE RESPONSIBILITY:

SUSTAINABILITY

ECONOMIC DEVELOPMENT

DOING MY BIT

PRODUCTS & SERVICES
PRO SAVING ACCOUNT

NOVA SAVING ACCOUNT

CLASSIC SAVING ACCOUNT

ACE SALARY ACCOUNT

KOTAK 3 IN 1 ACCOUNT

COMPETITORS:
KOTAK MAHINDRA BANK
FINANCIALS
KOTAK MAHINDRA BANK
Performance/Financial
indicators
31.3.13
Audited
31.3.12
Audited
31..3.11
Audited
Interest earned 8,042.49 6180.24 4,189.75
Other Income 1160.66 977.35 780.53
Profit before tax 1972.06 1599.93 1187.80
Profit after tax 1360.72 1085.05 818.18
Depreciation 132.53 116.76 98.27
Cash generation 2207.90 2016.49 2107.72
FINANCIALS
KOTAK MAHINDRA BANK
Performance/
Financial indicators
31.3.13
Audited
(RS. IN CRORES)
31.3.12
Audited
(RS. IN CRORES)

31.3.11
Audited
(RS. IN CRORES)

Paid up capital 390.83 405.16 405.36
Tangible Net Worth 9464.98 7980.75 6833.40
Fixed Assets 464.42 449.97 425.61
Term Liabilities 0 0 0
Investments 28873.43 21566.81 17121.44
Net Working Capital (8776.57) (7302.03) (4806.82)
Current Ratio 0.57 0.56 0.59
CAR RATIO 16.05 17.52 19.92
Debt equity ratio 0.04 0.05 0.07
Interest Coverage ratio 0.40 0.43 0.40
Net profit Margin (%) 14.78 15.15 16.46
Dividend Paid (%) 0.70 0.60 0.50
Dividend/Net profit (%) 4.38 4.76 5.04
EPS 18.23 14.65 11.10
FINANCIAL RATIO
STOCK PERFORMANCE FOR LAST SIX MONTHS

KOTAK MAHINDRA BANK
NIFTY
MAJOR COMMENTS FROM AUDITOR REPORT:

PROPER RECORDS OR BOOKS OF ACCOUNTS REQUIRED BY LAW HAVE
BEEN KEPT BY THE BANK.

PROPER RETURNS ADEQUATE FOR THE PURPOSE OF OUR AUDIT HAVE
BEEN RECEIVED FROM BRANCHES ARE NOT VISITED BY THE
AUDITORS

THE COMPANY HAS INTERNAL AUDIT SYSTEM COMMENSURATE ITS
SIZE AND NATURE

KOTAK MAHINDRA BANK
COMMENTS FROM DIRECTOR REPORT:

DIRECTORS ARE PLEASED TO RECOMMEND A DIVIDEND OF RS. 0.60
PER EQUITY SHARE (PREVIOUS YEAR RS. 0.50 PER EQUITY SHARE),
ENTAILING A PAYOUT OF RS. 51.71 CRORE INCLUDING DIVIDEND
DISTRIBUTION TAX (PREVIOUS YEAR RS. 41.25 CRORE).

DURING THE YEAR, THE BANK HAS NOT ISSUED ANY CAPITAL UNDER
TIER II.


KOTAK MAHINDRA BANK
TECHNOLOGICAL MANAGEMENT:

BUSINESS DEBIT CARD

KOTAK WORLD TRAVEL CARD

CASH@POS

IMPS FOR MERCHANT PAYMENTS

MAJOR PERFORMANCES OF THE BANK:

BANK HAS WORKED ON A FOCUSED APPROACH ON NETWORK
EXPANSION AND NOW HAS 1,225 BRANCHES AND 848 ATMS,
COVERING 368 LOCATIONS

BANK ADDED OVER HALF A MILLION NEW CUSTOMERS THIS
YEAR ACROSS CORE BANKING PRODUCTS OF SAVINGS AND
CHECKING ACCOUNTS, TERM DEPOSITS, OVERDRAFTS AND
NON-RESIDENT ACCOUNTS.

BANK UPGRADED ITS CORE BANKING SERVICE (CBS) FROM
FLEXCUBE TO FINACLE
DETAILS OF AGM :

THE TWENTY EIGHTH ANNUAL GENERAL MEETING OF KOTAK
MAHINDRA BANK LIMITED WILL BE HELD ON THURSDAY, 18TH
JULY 2013, AT 11.30 A.M. AT WALCHAND HIRACHAND HALL OF THE
INDIAN MERCHANTS CHAMBER, 4TH FLOOR, CHURCHGATE,
MUMBAI - 400 020.

EGM 9
TH
MAY 2013

CONCLUSION
WORKING CAPITAL IS IN VE.

THIS BANK IS AT 4
TH
POSITION IN PRIVATE SECTOR BANKS.

THE RATING GIVEN BY LOW WHEN COMPARED TO OTHER
PRIVATE BANKS.

THE NET WORTH OF THE COMPANY HAS INCREASED AND NOW
IT IS RS 15,250 CRORES.