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GROUP NO. 1 F-2 Priti Bidasaria Jiten Mehta Jinal Sampat Kirtan Atara Pratik More Dhara Shah Deepika Shetty Neha Wadhwani B-66 B-92 B-106 C-123 C-151 C-163 C-169 C-177
Overview Of Kotak
It was started in the year 2003 It is the first NBFC in India to convert itself in to a bank as Kotak Mahindra Bank Ltd It is the 4th largest bank according to Market Cap of 40,635.67 cr It has CAGR of 15.1 % CASA deposit of 27 % It has P/E of 36.40 with industry P/E of 10.33
Supplier Power
-Real Estate -Systems(ERPs) ATM Machines(NCR , Diebold) Credit Card (Visa, Master Card)
Buyer Power
-No. of Nationalized Bank is 26 -No. of Foreign Bank is 36 -No. of Regional Rural Banks is 82
Competitive market
-SBI HDFC Bank -ICICI Bank -AXIS Bank -INDUS IND Bank -YES Bank
P
E S T
Regulation of the Government Budget Measures Foreign Direct Investment RBI Norms
Change in Lifestyle Population Literacy Rate ATM Facilities IT services Credit Card
Agriculture : 18.5% Industry : 26.3% Services : 55.2%
E
L
Overview Of Kotak
Net Profit
2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0
FY 10
FY 11
FY 12
Total Income
14,000 12,000 10,000 8,000 6,000 10,053 11,063 13,014
4,000
2,000 0 FY 10 FY 11 FY 12 Total Income in Cr's
Market Share
ICICI Bank HDFC Bank Axis Bank Yes Bank Kotak Mahindra Federal Bank IndusInd Bank JK Bank ING Vysya Bank South Ind Bk Karur Vysya Karnataka Bank
4% 4% 4%
5% 5%
17% 21%
Savings Account Deposits Debit Cards Convenience Banking Corporate Finance NRI Banking Salary2Wealth NRI Banking INVESTMENTS AND INSURANCE
Life Insurance Mutual Funds Wealth Management Portfolio Management Gold Investing in IPO
INSTITUTIONAL
Investment Banking Treasury Private Equity
Contribution to sectors
Wholesale Banking
CE/CV Agri Capital Market 5 15 32 7 13 31 Others Car
Retail Banking
Mortgage Pl Others
100%
80%
3 10
3 8
3 7
18 34
37
39
40
FY 10
FY 11
FY 12 FY 10 FY 11 FY 12
SWOT
Strength Stable management Diversified business model Market leader in car and commercial vehicle finance Weakness Weak liability finance Weak presence in corporate banking Heavily reliant on the interbank market
Opportunities KMB has the opportunity to strengthen its liabilty franchise by increasing its CASA deposits Tap new customers due to the de regulations of the saving rate by RBI
HDFC Bank
2 1 0
ICICI Bank
Net NPA
Net NPA FY 10 FY 11 FY 12