Kotak Bank Financial Statements

Kotak Bank (KOTAKBANK) reported revenue of ₹1,069.02B in FY2025 with net income of ₹221.26B. Total assets stood at ₹8,797.74B and free cash flow was ₹157.03B.

Kotak Bank Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		328.20B	337.41B	421.51B	562.37B	656.69B
Other Income		239.95B	249.41B	259.91B	380.37B	412.33B
Total Income		568.15B	586.82B	681.42B	942.74B	1,069.02B
Interest Exp. Interest Expenditure		129.67B	115.54B	144.11B	225.67B	282.75B
Op. Expense Operating Expense		274.20B	304.09B	336.45B	458.71B	457.79B
Provisions Provisions & Contingencies		65.25B	47.87B	53.05B	78.59B	109.03B
Net Income		99.90B	120.89B	149.25B	182.13B	221.26B
Dil. Shares Diluted Shares		9.85B	9.92B	9.93B	9.94B	9.94B
Diluted EPS		10.14	12.19	15.03	18.33	22.26

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Kotak Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Kotak Bank Balance Sheet

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		125.28B	360.49B	199.85B	362.87B	417.48B
Loans & adv. Loans & advances		2,521.88B	3,044.74B	3,591.07B	4,303.52B	4,861.66B
Investments		1,569.46B	1,645.29B	1,953.38B	2,464.46B	2,842.55B
Total assets		4,788.73B	5,464.98B	6,204.30B	7,676.67B	8,797.74B
Borrowings		477.39B	551.60B	570.34B	751.06B	976.22B
Deposits		2,788.71B	3,100.87B	3,612.73B	4,452.69B	4,947.07B
Total liabilities		3,940.34B	4,493.33B	5,081.15B	6,376.95B	7,222.85B
Total equity		848.39B	971.65B	1,123.14B	1,299.72B	1,574.89B
Total liab. & eq. Total liabilities & equity		4,788.73B	5,464.98B	6,204.30B	7,676.67B	8,797.74B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Kotak Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Kotak Bank Cash Flow Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		131.68B	159.48B	196.46B	238.63B	219.46B
Operating CF Cash flow Operating Activities		48.81B	83.08B	-12.42B	156.85B	169.16B
Capex Investments in PPE		-3.69B	-6.70B	-9.87B	-11.27B	-12.13B
Investing CF Cash flow Investing Activities		-111.16B	-109.69B	-105.50B	-90.97B	-252.72B
Dividend Paid		-405.00M	-2.19B	-2.59B	-3.37B	-3.98B
Financing CF Cash flow Financing Activities		-100.72B	75.43B	18.83B	155.15B	221.65B
Cash (start) Cash at beginning of period		640.80B	477.17B	526.65B	429.25B	652.06B
Cash (end) Cash at end of period		477.17B	526.65B	429.25B	652.06B	790.62B
FCF Free Cash Flow		45.13B	76.39B	-22.29B	145.58B	157.03B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Kotak Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025