Investor Presentation Q3FY23

Digital Updates Merchant & Business Banking Kotak One POS with Kotak Biz Connect MERCHANT Current Account ONE Overdraft Facility ACCOUNT kotak.biz Merchant One Account All In One Current Account for MSMEs Helps MSMEs store owners to collect payments in all modes, generate bill, create customer database, give offers, track payment, manage inventories, place order and more - all digitally Supply Chain Finance solution for MSMEs Tech@Kotak kotak FYN - Now also live on Account Services & Collections Persona-based Access CO kotak Single-click Approval Widget Digitising the distributor ecosystem kotak X a actyv.af Real-time Balance Confirmation Certificate #WeTechBankingForward Real-time Repayment Schedule Unified Collections Dashboard Key Delighters Favorite & Active Accounts Create Groups (clusters of accounts) Offers on non-banking needs of SMEs Curated offers across categories like Business Management and Marketing, Enterprise Resource Planning, Taxation and legal, Supply Chain and Logistics, etc Business Banking Key Metrics 8.5x customers digitally availed BL YOY 1.7x Digital Sourcing of CA QoQ Key Features Buy-now pay-later (BNPL) services to distributors and retailers on Actyv.ai's platform Addresses critical pain point of SMES - working capital on demand API based, real-time funding Automated disbursements Lien Marking details in Accounts/TD Multiple Cheque Stop Transaction Banking- Key Launches Floating Rate Deposits Corporate Loan Origination System UPI Third Party Validation Solution YOY-Q3FY23 v/s Q3FY22; QoQ-Q3FY23 v/s Q2FY23 13

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