Kotak Mahindra Bank
India's fourth-largest private sector bank by assets. Known for best-in-class NIM, Kotak811 digital banking, and diversified financial services through subsidiaries.
Background reading
Metrics that drive Kotak's story
NIM (Net Interest Margin)
The spread between what a bank earns on loans and what it pays on deposits. The single most important profitability metric in banking — every basis point moves markets.
Read →GNPA (Gross NPA)
Gross Non-Performing Assets — loans overdue by 90+ days as a % of total advances. The number every credit analyst watches obsessively. Lower is always better.
Read →CASA Ratio
Current Account + Savings Account deposits as a % of total deposits. The higher the CASA ratio, the cheaper a bank's cost of funds — and the stronger its NIM.
Read →NNPA (Net NPA)
Gross NPA minus provisions. The 'real' bad loan number after the bank has set aside reserves. A low NNPA with high PCR = well-provisioned book.
Read →DSCR (Debt Service Coverage Ratio)
Debt Service Coverage Ratio — cash available to service debt ÷ total debt service due. DSCR below 1.0x means the borrower can't service debt from operations.
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