Q3 2025 Kotak Mahindra Bank Ltd Earnings Call Transcript

Jan 18, 2025 / 12:00PM GMT
Operator

Ladies and gentlemen, good day and welcome to the Kotak Mahindra Bank Q3 FY25 earnings conference call. (Operator Instructions) Please note that this conference is being recorded.

I now hand the conference over to Mr. Ashok Vaswani, Managing Director and CEO of Kotak Mahindra Bank. Thank you and over to you, sir.

Ashok Vaswani – Kotak Mahindra Bank Ltd – Chief Executive Officer, Managing Director, Executive Director

Thank you. Thank you so much and thank you everyone for joining us this Saturday evening. A very happy new year to start with. It’s actually been one year this month that I completed in Kotak and wow, what a one year it has been; quite an eventful year. And I thought I’d share some of my thoughts with you.

And I want to give you and demonstrate to you that the team and I have been working on a lot of events through this particular year, and we’ve made significant progress on a whole bunch of areas in our efforts to transform for scale.

Let me now reflect on the last 12 months. First, starting with technology. Obviously in

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