Q1-FY25 · Q4 FY24
Tech spend at ~10% of opex
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
KOTAKBANK / Q3-FY25 / promises
Measure what management said.
Kotak Mahindra Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY26 · Q4 FY25
Microfinance credit cost elevated for two more quarters
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY24 · Q1 FY24
NIM to remain above 5% for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q2-FY25 · Q1 FY25
IT embargo costs within earlier estimate
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
MFI credit costs to decline from Q2
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY24 · Q2 FY24
NIM stabilization expected
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
Savings rate cut to improve NIM by ~4 bps
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY25 · Q2 FY25
StanChart portfolio to add ~2 bps to yield
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
NIM gradual improvement in H2
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
Credit costs to gradually moderate in H2
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q3-FY26 · Q2 FY26
Unsecured book rebuild focus
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY25 · Q3 FY25
Loan growth at 1.5-2x GDP
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q4-FY25 · Q3 FY25
Standard Chartered portfolio migration in Q4
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
heuristic_v1
Q4-FY26 · Q3 FY26
Moderate NIM improvement in Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY26 · Q3 FY26
Credit cost to gradually decline further
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1
Q4-FY26 · Q3 FY26
Unsecured retail loan growth to resume
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
heuristic_v1