Investor Presentation Q3FY23

Standalone Highlights Q3FY23 PAT NII NIM * 2,792 cr * 5,653 cr 5.47% 2,131 cr * 4,334 cr 4.62% Customer Assets & * 339,313 cr * 274,569 cr kotak CASA Ratio 53.3% 59.9% Net NPA Capital & Reserves CAR# CET |# 0.43% * 79,936 cr 21.7% 20.7% 0.79% * 69,617 cr 23.3% 22.2% Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited profits. Excluding profits CAR: 19.7%, CET I: 18.6% (31st Dec, 2021: CAR: 21.3%, CET I: 20.2%) &Customer Assets comprise Advances and Credit Substitutes LO 5

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