perspective management kotak mahindra bank

VISSION & MISSION

• To be the most trusted Global Indian Financial Services brand and the most preferred financial services employer with focus on creating value.

• Customers must enjoy the benefits of dealing with a Global Indian Brand that best understands their needs and delivers customized pragmatic solutions across multiple platforms. MR. UDAY. S. KOTAK

Executive Vice Chairman & Managing Director, Kotak Mahindra Bank

BRIEF HISTORY

BRIEF HISTORY

SHAREHOLDING PATTERN

*As on May, 11 2016

Mr. Uday Kotak

• KMBL holds 61,25,27,100 shares which constitutes 34% of ownership of the firm.

“The urban consumer held up well, and in my view, small and medium businesses in urban India did better than bigger businesses.”

MARKET CAPITALIZATION (Rs. Crore)

*As on May, 11 2016

ZonePre-merger Post-merger

31-Mar-15 31-Mar-16

East 6% 6%

North 33% 29%

South 15% 34%

West 46% 31%

Total 100% 100%

Classification March 31, 2016

Metro 525 39%

Rural 232 18%

Semi-urban 287 21%

Urban 289 22%

Total 1333 100.00

*As on May, 11 2016

MARKET PRESENCE

BUSINESS ENVIRONMENT

IN CRORE FY16 FY15

TOTAL INCOME 28032.4 2147.1

ENTITYWISE NETWORTH 33360.6 22153.3

TOTAL PROFIT 2089.8 18660

• Merger with ING Vyasya Bank

• Savings account DeregulationBanks are free to determine their savings bank deposit interest rate, subject to the

following two conditions effective from October 25, 2011 :• First, Uniform interest rate on savings bank deposits up to Rs.1 lakh• Second, for savings bank deposits over Rs.1 lakh, a bank may provide differential

rates of interest

COMPETITORS

• Comprehensive micro site for inline pension account • Real time customer acquisition platform for personal

loan• Hashtag banking• Internet free app with 6 language 25 different

transactions including mobile recharge• M-store banking (flight tickets, bus tickets and hotel

booking)

SWOT ANALYSIS

1. Sound capital adequacy ration

2. Favourable Credit rating

3. Improved asset quality

1. Lack of customer service

2. Low publicity and marketing as compared to other premium banks in the urban areas

1. Increase in Industry banking

2. Explore opportunities abroad by International banking

1. Economic slowdown

2. Highly competitive environment

3. Stringent Banking Norms

Human Resource

Pre-Trained Manpower acquisition Channels Culture: • Trust & Inclusiveness• Differentiated talent strategy to increase women

employees Appraisal & Reward System• Kotak RACE• iApplaud

Strategy of the company

• Concentrated India, Diversified financial model• Value over size• Focus on risk adjusted returns• Broad Marketing Strategy based on Aristotle’s 3

basic appeals:– Ethos– Pathos– Logos

• Since Kotak Mahindra Bank’s Net Profit is around 2000 Cr, it is mandatory for them to maintain CSR policy.

Few of the Business responsibilities : • Promoting Education• Enchanting Vocational skills and

livelihood projects• Promoting preventive healthcare

and sanitation• Reducing inequalities• Environmental sustainability

• Indian banking system (Past and future)• Defy gravity (Biggest merger)• Current challenges : People and

Technology• Talent management – Long term,

meaningful and sustained career• Data security• Emphasis on digital products + mobility of

loan payment• Adhere to principles of humility, prudence

and simplicity.