Q1 2023 Kotak Mahindra Bank Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Kotak Mahindra Bank Q1 FY '23 Earnings Conference Call. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Uday Kotak. Thank you, and over to you, Mr. Kotak.
Good evening, and welcome to all on a very busy Saturday for many of you. And of course, also a very busy weekend where you have lots of work to do, not only in the financial sector, but many other companies between Friday through Sunday as well.
I'll just go straight to the point and come to Kotak Mahindra Bank. As you may have noticed, for the year -- for the quarter ended June, we have shown a loan growth of 29% and 4% quarter-on-quarter, which is annualized 16%, if I take quarter-on-quarter, this is on loans plus credit substitutes.
Our net interest margins have gone up since the last quarter now to 4.92%. And our ROA on a consolidated basis is in excess of 2%, and
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