Kotak Mahindra Bank to open branch at GIFT City in Gujarat

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On

Kotak Mahindra Bank to open

branch at GIFT City in Gujarat

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ONLINE

COVERAGE

On

Kotak Mahindra Bank to open

branch at GIFT City in Gujarat

No Website URL

1 The Times of India

http://timesofindia.indiatimes.com/business/india-

business/For-Kotak-ING-Vysya-merger-is-like-joint-family-

moment/articleshow/47064689.cms

2 The Economic Times

http://economictimes.indiatimes.com/industry/banking/fina

nce/banking/kotak-mahindra-bank-to-open-branch-at-gift-

city-in-gujarat/articleshow/47068153.cms

3 Business Standard http://www.business-standard.com/article/finance/kotak-

bank-to-boost-global-presence-115042800022_1.html

4 Mint

http://money.livemint.com/news/sector/news/kotak-

mahindra-bank-to-open-branch-at-gift-city-in-gujarat-

371042.aspx

5 The Hindu Business Line

http://www.thehindubusinessline.com/industry-and-

economy/banking/kotak-mahindra-bank-to-open-branch-at-

gift-city/article7146636.ece

6 The New Indian Express

http://www.newindianexpress.com/business/news/Merger-

Makes-Kotak-4th-Largest-Private-

Bank/2015/04/28/article2786871.ece

7 The First Mail

http://thefirstmail.in/news/news-details/63069-

kotak_mahindra_bank_to_open_branch_at_gift_city_in_guja

rat#sthash.8nIpDAmT.dpbs

8 Eenadu India

http://www.eenaduindia.com/State/Business/2015/04/2714

2119/Kotak-Mahindra-Bank-to-open-branch-at-GIFT-City-

in.vpf

9 Elets Online http://bfsi.eletsonline.com/kotak-mahindra-bank-to-open-

branch-at-gift-city-in-gujarat/

10 Money Bhaskar

http://money.bhaskar.com/news/MON-PERS-PFB-kotak-

mahindra-bank-will-open-branch-in-gift-city-4976369-

NOR.html

http://timesofindia.indiatimes.com/business/india-business/For-Kotak-ING-Vysya-merger-is-like-joint-family-moment/articleshow/47064689.cms



http://economictimes.indiatimes.com/industry/banking/finance/banking/kotak-mahindra-bank-to-open-branch-at-gift-city-in-gujarat/articleshow/47068153.cms



http://www.business-standard.com/article/finance/kotak-bank-to-boost-global-presence-115042800022_1.html


http://money.livemint.com/news/sector/news/kotak-mahindra-bank-to-open-branch-at-gift-city-in-gujarat-371042.aspx



http://www.thehindubusinessline.com/industry-and-economy/banking/kotak-mahindra-bank-to-open-branch-at-gift-city/article7146636.ece



http://www.newindianexpress.com/business/news/Merger-Makes-Kotak-4th-Largest-Private-Bank/2015/04/28/article2786871.ece



http://thefirstmail.in/news/news-details/63069-kotak_mahindra_bank_to_open_branch_at_gift_city_in_gujarat#sthash.8nIpDAmT.dpbs



http://www.eenaduindia.com/State/Business/2015/04/27142119/Kotak-Mahindra-Bank-to-open-branch-at-GIFT-City-in.vpf



http://bfsi.eletsonline.com/kotak-mahindra-bank-to-open-branch-at-gift-city-in-gujarat/


http://money.bhaskar.com/news/MON-PERS-PFB-kotak-mahindra-bank-will-open-branch-in-gift-city-4976369-NOR.html



THE TIMES OF INDIA http://timesofindia.indiatimes.com/business/india-business/For-Kotak-ING-Vysya-merger-is-like-

joint-family-moment/articleshow/47064689.cms

For Kotak, ING Vysya merger is like joint family moment

Uday Kotak's success in managing his financial conglomerate — Kotak Mahindra Bank and its nine group

companies — stems from practical lessons in his early life. "I grew up in a joint family of 60 people with

one kitchen. So I am a firm believer in the family concept." It is this learning that gives him confidence of

completing the integration of ING Vysya Bank — Kotak's latest acquisition — with the group's flagship by

March 2016. "If you are being fair, reasonable and not playing games, the joint family works," says Kotak.

Kotak has created a bank with a market capitalization of Rs 1.25 lakh crore in less than 12 years of

getting a bank licence and will continue to hold 35% in the merged entity — the fourth largest among

private banks. Addition of the South-based ING Vysya Bank's branches will result in Kotak Bank having

38% of its operations concentrated in the south. When asked whether any further acquisitions are in the

offing to correct the distribution skew or to dilute his stake to the prescribed 20%, 'watch this space' is all

that he has to say.

A primary concern he has to address is whether employees are going to be 'Bangalored' or 'Goregaoned',

he says referring to the operation centres of the two banks before the merger. "I would love to see this

marriage between Bangalore and Goregaon (Mumbai). We will have a significant presence in both." The

market, too, appears to have given thumbs up. The Kotak-ING deal has been one of the rare instances

where both the acquirer and the acquired company have gained in value. Since the announcement, ING

Vysya shares have jumped from Rs 600 to around Rs 800 while that of Kotak Bank have gone up almost

20% to Rs 1,350 from Rs 1,050.

The market confidence partly stems from Kotak's track record. An investor who put in Rs 1 lakh in 1985,

when Kotak started his finance company with a base of Rs 35 lakh, finds his holding worth Rs 1,100 crore

today. The Mahindra comes from Anand Mahindra, who put in a small sum and continues to hold a

stake. The third early investor, Sidney Pinto — a former Grindlays banker whom Kotak considers his guru

— passed away in 2011.

The ING deal comes at a time when foreign investors are bullish on India but corporate activity is yet to

pick up. This lull gives Kotak an opportunity to consolidate. To complete the integration, Kotak has



constituted an integration management office (IMO) led by the head of treasury, Mohan Shenoi. Under

the IMO is a project management office. The target given to these two teams is to make themselves

completely redundant by the end of the fiscal, which will be possible only when the merger is complete.

"We are integrating verticals step by step. The way you do it is to move from the most wholesale

business down the curve to the most retail," says Kotak. So while the treasuries of the two banks merged

on the first day, it will be around eight months by the time the customer at the branch gets the same

experience across all branches. To communicate the process of transformation to customers, all

erstwhile ING branches are being painted a shade from orange to red — the colours of both the banks.

Being a 35% stakeholder in a bank which is worth Rs 1.25 lakh crore makes Kotak one of the richest men

in the country. His philosophy towards wealth is to focus on journey. "I enjoy the journey, the

destination does not matter. The goal cannot be the destination. It has to be a fulfilling satisfying

journey," says Kotak.

While ING Vysya Bank adds to the group's distribution heft, this is not the only area where Kotak is

looking at inorganic growth. The bank's mutual fund arm recently acquired a US asset management

company Pinebridge mutual fund. The bank has bought a strategic 15% stake in Multi Commodity

Exchange and is now setting up a non-life insurance company from scratch. Besides, it announced a joint

venture with Bharti Group for an up to 20% stake in a payment bank. Kotak describes them as the "five

strategic big things" that the company has done to drive growth.

While there is not much demand for loans from corporates, Kotak is focusing on growing its retail

deposits — an area once seen as the bank's weakness where it has made progress by leaps and bounds.

"Our savings account growth has been more than 40% per annum against an industry growth that has

ranged between 15% and 20%. We have been consistent in our savings rate and we are stating that we

have no intention to reduce our 6% interest rate on savings accounts (on deposits over Rs 1 lakh) in the

foreseeable future," he says.

Ever the pragmatic banker, Kotak has signed a MoU with Gujarat government to set up an office in GIFT

City - the country' first international financial centre. It's a hedging strategy which he describes as

tapping the "values of optionality". But, at the same time, he is not in a rush to open branches. "It is

possible that the digital world may change the need for physical branches. We will continue to add

branches incrementally, but we will reach a point - whether it is 1,500, 1,800 or 2,000 branches - where

we will say enough is enough."

THE ECONOMIC TIMES http://economictimes.indiatimes.com/industry/banking/finance/banking/kotak-mahindra-bank-to-

open-branch-at-gift-city-in-gujarat/articleshow/47068153.cms

Kotak Mahindra Bank to open branch at GIFT City in Gujarat

MUMBAI: Kotak Mahindra BankBSE -0.83 %, country's fourth largest private sector lender, today said it

plans to open a branch at the international finance centre (IFC) at the GIFT City in Gujarat.

"We've decided to take some space at the GIFT city. We believe that if you're able to create an

international financial centre in India, wherever it is, we'd like to have the option of participating in

that," its executive and vice chairman Uday Kotak told PTI here.

Kotak said the bank will be tracking developments on the regulatory and taxation fronts in its effort to

start operations from the GIFT City near Ahmedabad, which is the country's first IFC.

Though located physically in the country, an IFC is aimed at acting like a foreign operations office to

facilitate easy movement of capital. For banks, it helps having a presence because they can serve the

foreign currency needs of their corporate clients through such a presence. Many Indian banks already

have a presence at a similar IFC in Dubai.

Kotak said developing an ecosystem beyond the regulatory and taxation fronts is also very important.

The Kotak Mahindra Group has a presence in New York, London, Dubai, Abu Dhabi, Mauritius and

Singapore, including representative offices and branches. The bank had recently finished Rs 15,000 crore

merger of south-focused ING Vysya BankBSE -0.32 % with it to become the fourth largest lender in

private space.

The new shares created as part of the merger got listed today. Shares of KMB were trading 2.33 per cent

down at Rs 1,336.50 apiece on the BSE at 1300 hours, as against 0.42 per cent correction in the

benchmark.

When asked about its desire to grow the international network, Kotak said the bank would like to grow

its own presence but added that its geography-specific partnerships model has also worked in its favour

till now.



"We'd like to grow internationally, certainly," he said, adding that arrangements with Sumitomo Mitsui

Bank in Japan and Evercore in USA have worked well.

"Additionally, ING Group, which now owns 6.5 per cent in the bank, will also be of help in Europe, Kotak

said. Under the merger, ING Vysya Bank shareholders were given 725 shares of Kotak for every 1,000

shares held.

Kotak today said the bank is not planning any new merger or acquisition, and will be focussing on growth

opportunities created by recent announcements like the ING merger, buy-out of PineBridge mutual fund,

investment in commodity bourse MCX, foray into general insurance and setting up a Payments Bank with

Bharti AirtelBSE -0.70 %.

Meanwhile, Kotak today sought to put an end to speculation around its 15 per cent stake in MCX, saying

it is purely a "financial investment" for the bank. Following the government's move to increase foreign

holding cap in insurance, Kotak said the bank is in discussions with its JV partner in the life space, Old

Mutual, to increase its 26 per cent stake.

"Under our agreement, Old Mutual can increase its stake subject to fair market value with a floor. We're

in discussions but no decisions have been taken yet. We haven't gone into depth yet," he said.

Asserting that the opposition by ING Vysya Bank employee unions was not a "hiccup", Kotak reiterated

that the bank will abide by the agreements between the erstwhile ING Vysya Bank and its employees.

It’s like a "joint family" and all the employees of ING Vysya have good relations with Kotak Mahindra

Bank, he said.

However, Kotak was quick to add that with growth as the mantra, the bank will be pushing employees

out of their "comfort zones". "We'll also challenge people outside their comfort zones to do something

different, something new and create opportunity.

"If somebody is doing something in banking, he can look for opportunities outside, for example, a

colleague who used to head branch banking, Mahesh Bala, is now the CEO of general insurance arm," he

added.

BUSINESS STANDARD http://www.business-standard.com/article/finance/kotak-bank-to-boost-global-presence-

115042800022_1.html

Kotak Bank to boost global presence

Kotak Mahindra Bank would like to boost its international presence, though its geography-specific

partnerships model has also worked in its favour till now.

Kotak Bank's Executive Vice-Chairman and Managing Director Uday Kotak said here on Monday that

arrangements with Sumitomo Mitsui Bank in Japan and Evercore in the US have worked well.

"Additionally, ING Group, which now owns 6.5 per cent in the bank, will also be of help in Europe," Kotak

said. The Kotak Mahindra Group has a presence in New York, London, Dubai, Abu Dhabi, Mauritius and

Singapore, including representative offices and branches.

The bank recently completed the Rs 15,000-crore merger of ING Vysya Bank with it to become the fourth

largest lender in the private space. The new shares created as part of the merger were listed on Monday.

Under the merger, ING Vysya Bank shareholders were given 725 shares of Kotak Bank for every 1,000

shares held. The merged entity now has a significant national footprint of 1,250 plus branches and 1,900

plus ATMs.

The Kotak Bank stock closed lower 2.2 per cent at Rs 1,338 on the BSE. Kotak said the bank plans to open

a branch at the international finance centre (IFC) at the GIFT City in Gujarat. The bank will be tracking

developments on the regulatory and taxation fronts in its effort to start operations from the GIFT City

near Ahmedabad, which is the country's first IFC.


facilitate easy movement of capital. Kotak said developing an ecosystem beyond the regulatory and

taxation fronts is also very important.



MINT http://money.livemint.com/news/sector/news/kotak-mahindra-bank-to-open-branch-at-gift-city-in-

gujarat-371042.aspx


Kotak Mahindra Bank is planning to open a branch at the international finance centre (IFC) at the GIFT

City in Gujarat. The bank will be tracking developments on the regulatory and taxation fronts in its effort

to start operations from the GIFT City near Ahmedabad, which is the country’s first IFC. Though located

physically in the country, an IFC is aimed at acting like a foreign operations office to facilitate easy

movement of capital.





THE HINDU BUSINESS LINE http://www.thehindubusinessline.com/industry-and-economy/banking/kotak-mahindra-bank-to-

open-branch-at-gift-city/article7146636.ece

Kotak Mahindra Bank to open branch at GIFT City

Kotak Mahindra Bank, country’s fourth largest private sector lender, today said it plans to open a branch

at the international finance centre (IFC) at the GIFT City in Gujarat.

“We’ve decided to take some space at the GIFT city. We believe that if you’re able to create an

international financial centre in India, wherever it is, we’d like to have the option of participating in

that,” its executive and vice chairman Uday Kotak told PTI here.


start operations from the GIFT City near Ahmedabad, which is the country’s first IFC.


facilitate easy movement of capital.

For banks, it helps having a presence because they can serve the foreign currency needs of their

corporate clients through such a presence. Many Indian banks already have a presence at a similar IFC in

Dubai.




The bank had recently finished Rs. 15,000 crore merger of south-focused ING Vysya Bank with it to

become the fourth largest lender in private space.


down at Rs. 1,336.50 apiece on the BSE at 1300 hours, as against 0.42 per cent correction in the

benchmark.





till now.

“We’d like to grow internationally, certainly,” he said, adding that arrangements with Sumitomo Mitsui


“Additionally, ING Group, which now owns 6.5 per cent in the bank, will also be of help in Europe, Kotak


shares held.




Bharti Airtel.

Meanwhile, Kotak today sought to put an end to speculation around its 15 per cent stake in MCX, saying

it is purely a “financial investment” for the bank. Following the government’s move to increase foreign

holding cap in insurance, Kotak said the bank is in discussions with its JV partner in the life space, Old

Mutual, to increase its 26 per cent stake.

“Under our agreement, Old Mutual can increase its stake subject to fair market value with a floor. We’re

in discussions but no decisions have been taken yet. We haven’t gone into depth yet,” he said. Asserting

that the opposition by ING Vysya Bank employee unions was not a “hiccup”, Kotak reiterated that the

bank will abide by the agreements between the erstwhile ING Vysya Bank and its employees.

Its like a “joint family” and all the employees of ING Vysya have good relations with Kotak Mahindra

Bank, he said. However, Kotak was quick to add that with growth as the mantra, the bank will be pushing

employees out of their “comfort zones”. “We’ll also challenge people outside their comfort zones to do

something different, something new and create opportunity.

“If somebody is doing something in banking, he can look for opportunities outside, for example, a

colleague who used to head branch banking, Mahesh Bala, is now the CEO of general insurance arm,” he

added.

THE NEW INDIAN EXPRESS http://www.newindianexpress.com/business/news/Merger-Makes-Kotak-4th-Largest-Private-

Bank/2015/04/28/article2786871.ece

Merger Makes Kotak 4th Largest Private Bank

MUMBAI: The brass bell that Uday Kotak on Monday rang would have been heard across India’s banking

sector, with its reverberations likely to stay for a longer time.The brief ceremony at the National Stock

Exchange (NSE) on Monday heralded the arrival of Kotak Mahindra Bank among the top four private

sector banks, leaving its peer group far behind. ING Vysya shareholders got 725 shares of Kotak for its

1,000 as part of the merger. In terms of market capitalisation, Kotak is now within breathing distance of

Axis Bank. On a day when Sensex continued its southward journey with 0.95 per cent drop, Kotak shares

fell 2.2 per cent to Rs 1,338.05. With more than 1,250 branches and 1,900 ATMs, the bank now has

double the number of branches across the country compared with IndusInd Bank and Yes Bank, yet it

would have half the number of branches compared with Axis Bank. The bank also announced its

intention to set up a branch at the international finance centre at the GIFT city in Gujarat. “We believe

that if you’re able to create an international financial centre in India, wherever it is, we’d like to have the

option of participating in that,’’ vice chairman Uday Kotak said.



THE FIRST MAIL http://thefirstmail.in/news/news-details/63069-

kotak_mahindra_bank_to_open_branch_at_gift_city_in_gujarat#sthash.8nIpDAmT.dpbs


Kotak Mahindra Bank, country's fourth largest private sector lender, today said it plans to open a branch

at the international finance centre (IFC) at the GIFT City in Gujarat.

"We've decided to take some space at the GIFT city. We believe that if you're able to create an

international financial centre in India, wherever it is, we'd like to have the option of participating in

that," its executive and vice chairman Uday Kotak told PTI here.


start operations from the GIFT City near Ahmedabad, which is the country's first IFC.




corporate clients through such a presence. Many Indian banks already have a presence at a similar IFC in

Dubai.




The bank had recently finished Rs 15,000 crore merger of south-focused ING Vysya Bank with it to



down at Rs 1,336.50 apiece on the BSE at 1300 hours, as against 0.42 per cent correction in the

benchmark.





till now.





shares held.




Bharti Airtel. Meanwhile, Kotak today sought to put an end to speculation around its 15 per cent stake

in MCX, saying it is purely a "financial investment" for the bank.

Following the government's move to increase foreign holding cap in insurance, Kotak said the bank is in

discussions with its JV partner in the life space, Old Mutual, to increase its 26 per cent stake.

"Under our agreement, Old Mutual can increase its stake subject to fair market value with a floor. We're

in discussions but no decisions have been taken yet. We haven't gone into depth yet," he said.

Asserting that the opposition by ING Vysya Bank employee unions was not a "hiccup", Kotak reiterated

that the bank will abide by the agreements between the erstwhile ING Vysya Bank and its employees.

Its like a "joint family" and all the employees of ING Vysya have good relations with Kotak Mahindra

Bank, he said. However, Kotak was quick to add that with growth as the mantra, the bank will be pushing

employees out of their "comfort zones".

"We'll also challenge people outside their comfort zones to do something different, something new and

create opportunity. "If somebody is doing something in banking, he can look for opportunities outside,

for example, a colleague who used to head branch banking, Mahesh Bala, is now the CEO of general

insurance arm," he added.

EENADU INDIA http://www.eenaduindia.com/State/Business/2015/04/27142119/Kotak-Mahindra-Bank-to-open-

branch-at-GIFT-City-in.vpf


Mumbai: Kotak Mahindra Bank, country's fourth largest private sector lender, on Monday said it plans to

open a branch at the international finance centre (IFC) at the GIFT City in Gujarat. "We've decided to

take some space at the GIFT city. We believe that if you're able to create an international financial centre

in India, wherever it is, we'd like to have the option of participating in that," its executive and vice

chairman Uday Kotak told PTI here. Kotak said the bank will be tracking developments on the regulatory

and taxation fronts in its effort to start operations from the GIFT City near Ahmedabad, which is the

country's first IFC.




corporate clients through such a presence.

Many Indian banks already have a presence at a similar IFC in Dubai.




The bank had recently finished Rs 15,000 crore merger of south-focused ING Vysya Bank with it to


The new shares created as part of the merger got listed today.

Shares of KMB were trading 2.33 per cent down at Rs 1,336.50 apiece on the BSE at 1300 hours, as

against 0.42 per cent correction in the benchmark.





till now.




said.

Under the merger, ING Vysya Bank shareholders were given 725 shares of Kotak for every 1,000 shares

held.




Bharti Airtel.

ELETS ONLINE http://bfsi.eletsonline.com/kotak-mahindra-bank-to-open-branch-at-gift-city-in-gujarat/


Kotak Mahindra Bank is planning to open a branch at the international finance centre (IFC) at the GIFT

City in Gujarat.

“We’ve decided to open a branch at the GIFT city,” its executive and vice chairman Uday Kotak said.

Kotak said the bank will be tracking developments on the regulatory and taxation fronts to start

operations from the GIFT City near Ahmedabad.


MONEY BHASKAR http://money.bhaskar.com/news/MON-PERS-PFB-kotak-mahindra-bank-will-open-branch-in-gift-city-

4976369-NOR.html

गगफ्ट सिटी में कोटक मह िंद्रा बैंक खोऱेगा ब्ािंच

नई हदल्ऱीीी। ननजी क्षेत्र के कोटक मह िंद्रा बैंक की ‘गुजरात इिंटरनेशनऱ फाइनेंि टेक-सिटी’ (गगफ्ट सिटी) के इिंटरनेशनऱ फाइनेंि िेंटर (आईएफिी) में बैंक शाखा खोऱने की योजना ै।

बैंक के काययकारी एविं उपाध्यक्ष उदय कोटक ने क ा , ‘ मने गगफ्ट सिटी में शाखा खोऱने का ननर्यय सऱया ै। मारा मानना ै कक अगर आप देश में क ीिं भी आईएफिी स्थापपत करने में िक्षम ैं तो मारे पाि उिमें अपना योगदान देने का पवकल्प ोना चाह ये।‘

उन् ोंने क ा कक अ मदाबाद के पाि स्स्थत गगफ्ट सिटी में शाखा शुरू करने के सऱए ननयामक की मिंजूरी ऱेने की प्रकिया जल्दा शुरू की जायेगी।



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Kotak Mahindra Bank to open branch at GIFT City in Gujarat