Kotak Mahindra Bank Ltd. CIN: L65110MH1985PLC038137 Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, T +91 22 61660001

Bandra (E), Mumbai 400051, www.kotak.com Maharashtra, India.

14th May 2020

The Manager Corporate Relationship BSE Limited 1st Floor, New Trading Ring, Rotunda Building, Phiroze Jeejebhoy Towers, Dalal Street, Mumbai 400 001.

The Manager National Stock Exchange of India Limited Exchange Plaza, 5th Floor, Plot No. C/ 1, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.

Dear Sir, Pursuant to Regulation 47 of the Securities and Exchange Board of India (Listing

Obligations and Disclosure Requirements) Regulations, 2015, we enclose a copy of the

newspaper clipping of the audited financial results of the Bank for year ended 31st

March 2020 published in the English daily, Business Standard, and in Navakal, a

Marathi daily on 14th May 2020.

Pursuant to Regulation 33 of the Securities and Exchange Board of India (Listing

Obligations and Disclosure Requirements) Regulations, 2015, the above mentioned

results were forwarded to you on 13th May 2020, immediately after they were taken on

record by the Board of Directors of the Bank at its Meeting held on that day.

Kotak Mahindra Bank Limited Bina Chandarana Joint President & Company Secretary

Encl: as above.

MUMBAI | THURSDAY, 14 MAY 2020 COMPANIES 3. <

MEGHA MANCHANDA

New Delhi, 13 May

Airtel Africa on Wednesdayreported 21 per cent declinein its net profit at $65 mil-lion for the quarter endedMarch.

This was against $82million in the correspondingperiod last financial year,mainly because of higherfinancial cost.

Airtel Africa’s total expe-nses climbed 11 per centyear-on-year to $658 mil-lion due to higher networkoperating costs, accesscharges, sales and market-ing expenses and biggerpayouts towards licencefees/SUC.

Depreciation and amor-tizations costs, though, rosemarginally by 1 per cent.

The African arm ofBharti Airtel posted 15 percent YoY rise in revenueand 1.81 per cent sequen-tially to $899 million, driv-en by contributions fromvoice, data and mobilemoney verticals.

“These results demons-trate the strength and resi-lience of our business andthe effectiveness of ourstrategy, with all three serv-ices — voice, data and mo-bile money — contributingto our revenue growth,”Airtel Africa CEO Raghu-nath Mandava said.

However, he added thatCovid-19 had impactedAirtel Africa numbers.

Airtel Africanet slips 21%to $65 mn

Kotak Bank profit beforetax falls 10.6% to ~2,674 cr

Price in ~MARGINAL RISE

SUBRATA PANDA

Mumbai, 13 May

Kotak Mahindra Bank reporteda 10.6 per cent decline in con-solidated profit before tax (PBT)at ~2,674.4 crore for the quarterended March 31, 2020(Q4FY20), from ~2,990.6 crorein the year-ago quarter. This ismainly due to higher provi-sioning on account of the coro-navirus (Covid-19) outbreak andlower other income.

The bank has made provi-sions of ~713.7 crore on a con-solidater level due to Covid-19 ,which are higher than theReserve Bank of India’s (RBI’s)prescribed norms, it said.

While net interest incomegrew at a healthy 16.5 per cent,other income fell 37.8 per cent.This also led to the decline inpre-tax profit.

As a result, consolidated netprofit fell 6.5 per cent to ~1,905crore in Q4FY20, against ~2,038crore in the March 2019 quarter.

At the standalone level, prof-it before tax fell 20 per cent to~1,677.8 crore. Gross non-per-forming assets (GNPA) at 2.25per cent fell 21 basis points

sequentially but were 11 bpshigher compared with theMarch 2019 quarter.

Provisions rose to ~1,047crore in the March quarter, driv-en by ~650 crore provided forCovid-19-related impact at thestandalone level. The provisioncoverage ratio improved to 69per cent in Q4FY20 from 65.4per cent in Q4FY19.

Uday Kotak, managingdirector (MD) & chief executiveofficer (CEO), Kotak MahindraBank, said, “In times like these,the strength of the balancesheet is very important. Therewill be focus on strong depositfranchise.”

The bank’s deposit basegrew 16 per cent to ~2.62 trillionand savings deposit crossed ~1trillion. The low cost currentand savings accounts as a per-centage of total depositsimproved to 56.2 per cent at theend of the March quarter from52.5 per cent in the same periodlast financial year.

Advances for the lenderwere up 7 per cent to ~2.19 tril-lion from ~2.05 trillion. Themanagement said it would alsotighten its underwriting stan-

dards when it comes to lend-ing now. “We have for sometime in the pre-Covid worlditself, been cautious in lendingby design. We have also cali-brated our mix and even in ourretail business, the mix of oursecured lending is significantlyhigher than unsecured lend-ing,” Kotak said.

Net interest margin for thequarter was up marginally at4.72 per cent compared with4.69 per cent in the Decemberquarter, and up 26 bps fromMarch 2019.

The capital adequacy ratiostood at 17.9 per cent with Tier 1capital at 17.3 per cent at the endof March, 2020.

“In sector after sector, con-solidation is under way. Wehave seen it happening in tele-com, we may see it happeningin airlines, and I do believe sig-nificant consolidations shouldtake place in the financial sectorin the coming months andyears,” Kotak added.

Disclosure: Entities controlled bythe Kotak family have asignificant holding in BusinessStandard Pvt Ltd

Godrej Consumer (GCPL) onWednesday reported a 48 percent drop in profit before tax(PBT) for the quarter endedMarch 31 to ~337.39 crore.Thisfollows an adjustment ofone-time expenses to thetune of ~73.43 crore in thequarter. Revenue for theperiod fell nearly 14 per cent to~2,153 crore.

Volume growth in theIndia business, whichcontributes 55 per cent torevenue, declined 15 per centin the period under review.Net profit, too, saw a sharpdecline of over 75 per cent tonearly ~230 crore in the Marchquarter, led by taxadjustments in the period.

“The spread of the virusand the eventual lockdownin many geographies of ouroperations resulted invirtually no sales in the laterpart of March 2020. Thisresulted in a weak perfo-rmance in our Indiabusiness, although we havecontinued to gain marketshares across categories,”Nisaba Godrej, executivechairperson, GCPL said.

VIVEAT SUSAN PINTO

GCPL PBT down48%, volumegrowth slips 15%

PEERZADA ABRAR

Bengaluru, 13May

Food tech start-up Rebel Foodsis witnessing an increasingdemand for healthy food prod-ucts and services, even asrestaurants havebeen severely hitby the disruption.

The Mumbai-based firm, knownfor brands likeFaasos and Behr-ouz Biryani, iswooing consumerswith initiativesthat range fromoffering person-alised diet plansand DIY (do-it-yourself) meal kitsto providing a livefeed of body tem-peratures for thosehandling theirorders, said KallolBanerjee, co-founder of Rebel Foods.

“Customers’ concerns haveshifted, since people are wor-ried about what they’re eating,”said Banerjee. “With the newreality of social distancing,even if the lockdown is (lifted),people would still be wary for

some time before going torestaurants and malls.”

As a result, Rebel Foods saysit is witnessing tremendousinterest from hotels and restau-rant chains globally for its cloudkitchen model, and forging

partnerships in Sa-udi Arabia, theUAE, and South-East Asia. A cloudkitchen is one thatdoes not offer di-ne-in facility andaccepts food or-ders only throughan online orderingsystem. With over350 kitchens, Reb-el Foods said it wasable to deliver fo-od, even in currentcircumstances. Itoperates morethan 2,200 inter-net restaurants.

Backed byinvestors such as

Goldman Sachs, Sequoia, andIndonesian ride-hailing com-pany Go-Jek, it is now focusingmore on health foods, besidesfollowing strict safety and hy-giene protocol. With the lock-down leading to increased in-stances of people experiencing

cabin fever, Rebel has lau-nched personalised diet plansunder its ‘500 Calorie Project’brand. Under this, customersare provided with diet consul-tation, weekly and monthlymeal plans, and nutritioncounselling.

Using QR codes, Rebel isalso providing customers with alive feed of body temperaturesof those handling their orders,such as the cook, kitchen exec-utive, and delivery personnel,the logs of which are sent tocustomers, along with invoic-es. Said to be the first in thedelivery industry, the tracker isoperational in 350 locations

across India, the UAE andSouth-East Asia. The firm isalso providing daily medicalcertification across its kitchensand staff. Partnering withtelemedicine experts, Rebelconducts daily checks across itskitchens and staff. The init-iative involves daily video callswith doctors for staff handlingRebel’s kitchens in India, WestAsia, and South-East Asia.

In a bid to encourage custo-mers to cook at home, Banerjeesaid Rebel has launched DIY-meal kits by Faasos. The kit con-tains a complete box of rawingredients, along with a recipeto prepare food at home.

Rebel Foods’ cooks up new recipe:Live temp checks & DIY meal kits

KALLOL BANERJEE, Co-founder, Rebel Foods

With the newreality of social

distancing, even ifthe lockdown is(lifted), peoplewould still be waryfor some time beforegoing to restaurantsand malls”

Maruti Suzuki India (MSI) onWednesday said its boardhas approved supply of aderivative of compact SUVVitara Brezza to ToyotaKirloskar Motor which willthen sell the vehicle underits own brand name.

This will result in incre-mental sales for the compa-ny, MSI said in a regulatoryfiling. Toyota and Suzuki hadexecuted a memorandum ofunderstanding on February6, 2017 to begin concreteexamination towards realisa-tion of business partnershipin areas including environ-mental technologies, safetytechnologies, informationtechnologies, and mutualsupply of products and com-ponents.

In pursuance to the same,in March last year, MSI boardapproved the supply of aproduct derivative of Balenoto Toyota Kirloskar, whichcurrently sells the product asGlanza. In March 2018,Toyota and Suzuki conclud-ed a basic agreement for sup-plying hybrid and othervehicles to each other in theIndian market.

According to the agree-ment, Suzuki were to supplypremium hatchback Balenoand Vitara Brezza to Toyota,while Toyota had to provideCorolla sedan to Suzuki.

In a separate filing, thecompany said its board hasapproved acquisition of39.13 per cent stake fromSumitomo Corporation, Jap-an and 10 per cent stakefrom Sumitomo CorporationIndia held in JJ Impex(Delhi) Pvt Ltd. PTI

Maruti boardapprovessupply of VitaraBrezza to Toyota

ARINDAM MAJUMDER

New Delhi, 13 May

India’s largest carmakerMaruti Suzuki on Wed-nesday said a return to

normalcy will take time as it istrying to solve issues regard-ing unavailability of workforceand alignment of productionby adhering to social distanc-ing norms.

“There is too much ofuncertainty currently to pre-dict when there will be a recov-ery,” said R C Bhargava, chair-man of the carmaker,highlighting that a substantialportion of the workforce hasgone away to villages. This hashit production.

“It’s not easy to get back themanpower which has goneback. The new social distanc-ing protocols also reduce pro-ductivity to an extent,” saidBhargava, when asked aboutthe time it will take for theindustry to recover.

Manual workers mostlyhail from Bihar and UP. Mostof them have left for their vil-lages as the lockdown has puta halt on economic activity,threatening their livelihood.

The company reported a 32 per cent year-on-yeardecline in profit before tax forthe January-March quarter to~1,575 crore largely becausedemand for its cars worseneddue to the lockdown, duringwhich there was zero produc-tion and sales. However,Bhargava said he expects themarket to recover by the fes-tive season.

“Definitely, during the fes-tival season, demand will be

higher than what the industrywill be able to produce. By thattime, we will be able to fine-tune on how to work with thenew safety and distancingnorms,” he said.

The company’s net salesduring the quarter declined17.1 per cent to ~17,186.7 crore.This is because of a 16 per centfall in total vehicle sales (in vol-ume terms) during the quar-ter to 3,85,025 units. Operatingprofit during the period fell

31.7 per cent to ~1,546 crorewhile margins contracted 200basis points to 8.5 per cent dueto increase in overall expenses.

Maruti, however, has notyet cut back on the plannedamount for capital expendi-ture. The company will invest~2,700 crore for the current fis-cal year (FY21). “We have towork for the long term. Wehave complete confidence inthe economy. We can’t affordto miss the capital expenditurethis year,” said Bhargava.

The carmaker, by virtue ofits strong presence in theentry-level segment, may bethe first to make a recovery aspeople could look to own a carin order to maintain social dis-tancing. But customers willnot be able to afford a higher-end vehicle as pay cuts and joblosses have become rampant.

“Categories such as two-wheelers, entry-level cars,tyres and batteries shouldexperience a revival in the sec-ond half of FY21,” said analystsat Dolat Capital.

Maruti’s PBT skids 32%in Jan-March quarter

ON ROUGH TERRAINQ4 FY19 (~ crore) Q4 FY20 (~ crore) % change

Profit 1,795.60 1,291.70 -28.1

Revenue 21,459.00 18,198.70 -15.2

Ebitda 2,263.00 1,546.40 -31.7Source: Company

SANJAY K SHARMA

SMART INVESTOR Maruti Suzuki may hit slow lane on weak volumes 8>

STANDALONE FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED 31ST MARCH, 2020 CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED 31ST MARCH, 2020

` in crore ` in crore

Total income from operations (net) 12,084.71 50,299.69 13,823.33

Net Profit / (Loss) after tax (before extraordinary items) 1,905.18 8,593.36 2,038.27

Net Profit / (Loss) after tax (after extraordinary items) 1,905.18 8,593.36 2,038.27

Equity Share Capital 956.52 956.52 954.38

Reserves (excluding Revaluation Reserves and MinorityInterest as shown in the Balance Sheet of the previous year) 56,825.36** 56,825.36** 49,533.24*

Basic Earnings per equity share (before extraordinary items)(of ` 5/- each) (not annualised) ` 9.71 44.73 10.51

Diluted Earnings per equity share (before extraordinary items)(of ` 5/- each) (not annualised) ` 9.70 44.68 10.50

Basic Earnings per equity share (after extraordinary items)(of ` 5/- each) (not annualised) ` 9.71 44.73 10.51

Diluted Earnings per equity share (after extraordinary items)(of ` 5/- each) (not annualised) ` 9.70 44.68 10.50

Total income from operations (net) 8,294.07 32,301.72 7,672.56

Net Profit / (Loss) after tax (before extraordinary items) 1,266.60 5,947.18 1,407.80

Net Profit / (Loss) after tax (after extraordinary items) 1,266.60 5,947.18 1,407.80

Equity Share Capital 956.52 956.52 954.38

Reserves (excluding Revaluation Reserves and MinorityInterest as shown in the Balance Sheet of the previous year) 41,444.00** 41,444.00** 36,528.83*

Basic Earnings per equity share (before extraordinary items)(of ` 5/- each) (not annualised) ` 6.37 30.88 7.21

Diluted Earnings per equity share (before extraordinary items)(of ` 5/- each) (not annualised) ` 6.36 30.84 7.20

Basic Earnings per equity share (after extraordinary items)(of ` 5/- each) (not annualised) ` 6.37 30.88 7.21

Diluted Earnings per equity share (after extraordinary items)(of ` 5/- each) (not annualised) ` 6.36 30.84 7.20

Quarter ended31st March, 2020

(Audited)Refer Note 2

Quarter ended31st March, 2019

(Audited)Refer Note 2

Year ended31st March, 2020

(Audited)Particulars

Quarter ended31st March, 2020

(Audited)Refer Note 2

Quarter ended31st March, 2019

(Audited)Refer Note 2

Year ended31st March, 2020

(Audited)Particulars

* As on 31st March 2018** As on 31st March 2019

Mumbai, 13th May, 2020

By Order of the Board of DirectorsFor Kotak Mahindra Bank Limited

Dipak GuptaJoint Managing Director

Note:

1) The above is the extract of the detailed format of Quarterly / Year ended Financial Results filed with the Stock Exchanges under Regulation 33 of the SEBI (Listing and Other Disclosure Requirements) Regulations, 2015. The full format of Quarterly / Year ended Financial Results are available on the Stock Exchanges websites (www.bseindia.com and www.nseindia.com and also on www.kotak.com).

2) The figures of the last quarter in each of the year are balancing figures between audited figures in respect of full financial year and the unaudited published year to date figures up to the third quarter of the respective financial year.

5Email-navakal.1923@gmail.com www.enavakal.com_w§~B©, Jwédma 14 ‘o, 2020

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2. TR - C - 4 - 2020, dtd. 11.03.2020

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3. TR - C - 7 - 2020, dtd. 12.03.2020

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4. TR - C - 9 - 2020, dtd. 12.03.2020

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5. TR - C - 10 - 2020, dtd. 20.03.2020

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