perspective management kotak mahindra bank
TRANSCRIPT
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.