Kotak Mahindra Bank reported a robust 16.88% YoY increase in consolidated net profit for Q4, reaching Rs 5,337.2 crore. Standalone net profit surged by 18.24%, driven by healthy loan growth and fee income rise. Despite regulatory restrictions in April, loan growth reached 20% to Rs 3.91 trillion. The bank prioritizes IT spending to address regulatory concerns while focusing on existing customer base and cross-selling. It maintains strong asset quality with gross and net NPA ratios at 1.39% and 0.34% respectively. The Capital Adequacy Ratio stands at 20.5%. The board recommended a dividend of Rs 2.00 per equity share.