Investor Presentation Q3FY23

Strong and Committed Leadership Team Senior Leadership Team with Long Vintage ❤kotak Dipak Gupta 31 Years Joint Managing Director KVS Manian WTD Shanti Ekambaram Virat Diwanji 28 Years Whole-time Director 32 Years Whole-time Director 19 Years Consumer Banking Jaimin Bhatt 28 Years Group CFO TV Sudhakar Oisharya Das Ramesh Srinivasan Nilesh shah 10 Years Chief Compliance 29 Years Private Banking 28 Years Investment Banking 8 Years Asset Management Jaideep Hansraj 30 Years Retail Brokerage Officer Paul Parambi 31 Years Chief Risk Officer 68 members in Kotak Leadership Team (incl. above and MD & CEO) with an average tenure of 20+ years with the Group Number of years represent completed years with Kotak, as on 31st December, 2022 Srini Sriniwasan 30 Years Investment Advisory 27 27

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