Kotak Mahindra Bank Limited — Q4 FY26
Kotak Mahindra Bank reported a solid Q4 FY26 with consolidated PAT of INR 5,238 crore (up 6% QoQ), driven by strong NIM of 4.67% and sharp improvement in credit cost to 39 bps (...
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.
Q3 FY26
Moderate NIM improvement in Q4
Management expects NIM to increase moderately in Q4 due to full-quarter benefit of CRR cuts and seasonal aberrations, assuming no further rate cuts.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Credit cost to gradually decline further
Credit cost expected to continue its downward trend in Q4 and Q1, though at a moderated pace, with retail CV stress plateauing.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Unsecured retail loan growth to resume
Personal loan book expected to return to growth in coming quarters as organic disbursements pick up, while credit card spend growth to follow.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1