Kotak Mahindra Bank - Group 1PPT

7/31/2019 Kotak Mahindra Bank - Group 1PPT

1/13

Priti Bidasaria B-66

Jiten Mehta B-92

Jinal Sampat B-106

Kirtan Atara C-123

Pratik More C-151

Dhara Shah C-163

Deepika Shetty C-169

Neha Wadhwani C-177


2/13

Structureof Banking Sector


3/13

Overview Of Kotak

It was started in the year 2003

It is the first NBFC in India to convert itself in

to a bank as Kotak Mahindra Bank Ltd

It is the 4th largest bank according to Market

Cap of 40,635.67 cr

It has CAGR of 15.1 % CASA deposit of 27 %

It has P/E of 36.40 with industry P/E of 10.33


4/13

Macro Environment Analysis

GDP

Inflation

Interest Rate RBI Regulations

Union Budget

Uncertain global economy & financials Rupee Depreciation

Taxation Policies

Basel III norms


5/13

Supplier Power

-Real Estate

-Systems(ERPs)

ATM Machines(NCR , Diebold)Credit Card (Visa, Master Card)

Buyer Power

-No. of Nationalized Bank is 26

-No. of Foreign Bank is 36

-No. of Regional Rural Banks is 82

Threat of New Substitutes

-NBFCs

-Liquid Funds

-Micro Finance

-Chit Funds

-Co-operative Banks

Threat of New Entrants

-Corporate like RIL & TATA

-International Banks (FRB)

-Basel 3 Norms

-High Capital

-Rural Networks

Competitive market

-SBI

HDFC Bank

-ICICI Bank

-AXIS Bank

-INDUS IND Bank

-YES Bank


6/13

P Regulation of the Government

Budget Measures

E Foreign Direct Investment

RBI Norms

S

Change in Lifestyle

Population

Literacy Rate

T

ATM Facilities IT services

Credit Card

E

Agriculture : 18.5%

Industry : 26.3%

Services : 55.2%

L

Banking Regulation Act

Intervention by RBI


7/13

Overview Of Kotak

> 525 Branches

1,307

1,5671,832

0

200

400

600

800

1,000

1,200

1,400

1,600

1,800

2,000

FY 10 FY 11 FY 12 Total Net Profit In

Cr's

Net Profit

10,05311,063

13,014

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

FY 10 FY 11 FY 12 Total Income in

Cr's

Total Income


8/13

26%

21%

17%

5%

5%

4%

4%4%

3%3% 3%

2% 1%

1% 1%

1%

Market Share

ICICI Bank

HDFC Bank

Axis Bank

Yes BankKotak Mahindra

Federal Bank

IndusInd Bank

JK Bank

ING Vysya BankSouth Ind Bk

Karur Vysya

Karnataka Bank

Market Share As per Sales


9/13

BANKING AND SAVINGS

Savings AccountDeposits

Debit Cards

Convenience Banking

Corporate Finance

NRI Banking

Salary2WealthNRI Banking

LOAN AND BORROWINGS

Personal LoansCar Loans

Home Loans

Commercial Loans

INVESTMENTS AND INSURANCE

Life Insurance

Mutual FundsWealth Management

Portfolio Management

Gold

Investing in IPO

INSTITUTIONAL

Investment BankingTreasury

Private Equity

PRODUCTS AND SERVICES


10/13

0%

20%

40%

60%

80%

100%

FY 10 FY 11 FY 12

48 48 49

34 32 31

1815 13

5 7

Wholesale Banking

CE/CV Agri Capital Market Others

50 50 50

37 39 40

10 8 73 3 3

FY 10 FY 11 FY 12

Retail Banking

Car Mortgage Pl Others

Contribution to sectors


11/13

SWOT

StrengthStable management

Diversified business model

Market leader in car and

commercial vehicle finance

WeaknessWeak liability finance

Weak presence in corporate

banking

Heavily reliant on the interbankmarket

Opportunities

KMB has the opportunity to

strengthen its liabilty franchiseby increasing its CASA deposits

Tap new customers due to the

de regulations of the saving rate

by RBI


12/13

New Trends in the Market

Re-assess their business fundamentals

Increasing risk transparency

Focusing on staff efficiency From a product-centric approach to a client-

centric approach

Balancing cost reduction with processimprovements


13/13

Kotak BankSBI Bank

HDFC Bank

0

1

2

FY 10 FY 11 FY 12

Net NPA

Net NPA

ICICI Bank

Comparison With NPA

Documents

Kotak Mahindra Bank - Group 1PPT