Kotak's consolidated AUM grew 12% YoY to Rs. 7,60,598cr, driven by diversified assets expansion, while book value per share increased 14% to Rs. 844, reflecting strong capital accretion and franchise strength. business diversification, digital advancement, and strong customer engagement initiatives. Management has reiterated its commitment to sustaining healthy growth in advances at 1.5x-2x times nominal GDP growth, while maintaining a credit-todeposit (CD) ratio in the range of 8587%. Strategic priorities include strengthening the deposit franchise, scaling Kotak 811 for digital-led acquisition, and expanding the microfinance platform posts for the Sonata-BSS merger. Continued investments...