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What Shielded Kotak's Q3 NIM
Mint Bangalore
|January 20, 2025
Tightening guard
Kotak Mahindra Bank Ltd's standalone cost of funds has fallen quarter-on-quarter (q-o-q) to 5.06% in the December quarter (Q3FY25) from 5.15% as it benefited from cutting the savings account deposit rate by 50 basis points (bps) to 3% for balances under ₹5 lakh in October. Hence, the bank could marginally increase its net interest margin (NIM) to 4.93% in Q3 from 4.91% in Q2 despite the pressure on yield on advances. Some part of reduction in yield on advances was due to the loan book tilting towards higher secured lending that fetches lower rate than unsecured loans.
Cette histoire est tirée de l'édition January 20, 2025 de Mint Bangalore.
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