Kotak Mahindra Bank reported a consolidated net profit of ₹5,423 crore for the fourth quarter of FY26, marking a 10% year-on-year increase. Standalone net profit also saw a 13% rise to ₹4,027 crore, aided by a significant reduction in provisions, which fell 43% to ₹516 crore. The bank's net interest income (NII) grew 8% to ₹7,876 crore, although other income dipped by 2% to ₹3,116 crore. The net interest margin (NIM) improved by 13 basis points sequentially to 4.67%, despite being lower by 30 basis points compared to the previous year. The bank's asset quality showed improvement, with the gross non-performing asset (GNPA) ratio narrowing to 1.20%. Advances grew 16% year-on-year to ₹5.14 trillion, with the SME segment leading growth at 19%. The bank's management expressed caution regarding the potential impacts of the ongoing West Asian conflict, emphasizing the need for close monitoring of customer behavior and second-order risks. Additionally, the bank is actively seeking acquisition opportunities, applying a strategic framework to evaluate potential transactions.