Kotak Mahindra Bank Q4 Review - Discussion Shifts Away From Loan Growth To Deposit Accretion: Yes Securities

BQ Prime’s special research section collates quality and in-depth equity and economy research reports from across India’s top brokerages, asset managers and research agencies. These reports offer BQ Prime’s subscribers an opportunity to expand their understanding of companies, sectors and the economy..Yes Securities Report.There are some factors supporting net interest margin including the fact that Kotak Mahindra Bank Ltd. will rachet up savings account growth. Additionally, unsecured retail is a small proportion of overall loan book and its share should rise. Also, the fixed rate loan book is a relatively small part of overall loan book. At the same time, despite a loan growth of 21% YoY, capital adequacy has inched up on YoY basis. The bank sees this as an opportunity to enhance market share, while adhering to risk-adjusted pricing. Management stated that there could be a contraction of 10-15 basis points in net interest margin, presumably from the elevated quarterly level of 4.78%. Management also stated that 4.78% is an 'exceptional' margin and a margin of 4.3- 4.6% would be regarded as healthy for a bank growing at the pace of Kotak Mahindra Bank..Click on the attachment to read the full report:.DISCLAIMERThis report is authored by an external party. BQ Prime does not vouch for the accuracy of its contents nor is responsible for them in any way. The contents of this section do not constitute investment advice. For that you must always consult an expert based on your individual needs. The views expressed in the report are that of the author entity and do not represent the views of BQ Prime..Users have no license to copy, modify, or distribute the content without permission of the Original Owner.

Kotak Mahindra Bank Q4 Review - Discussion Shifts Away From Loan Growth To Deposit Accretion: Yes Securities

Kotak Mahindra Bank Q4 Review - Discussion Shifts Away From Loan Growth To Deposit Accretion: Yes Securities

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