Kotak Mahindra Bank Limited — Q2 FY26
Kotak Mahindra Bank reported a standalone PAT of INR 3,253 crore for Q2 FY26, with NIM at 4.54% and credit costs declining to 79 bps from 93 bps QoQ.
neutral
medium
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q1 FY26
MFI credit costs to decline from Q2
Microfinance credit costs have peaked in Q1 and are expected to show a declining trend in coming quarters as fresh disbursements resume cautiously.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
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