Investor Presentation Q3FY23

Customer Assets kotak cr 31-Dec-22 31-Dec-21 30-Sep-22 YOY QoQ Composition of Advances 31-Dec-22 Home Loans & LAP 89,112 68,871 85,843 29% Consumer Bank WC (Secured) 28,940 24,053 28,181 20% 4% 3% Floating 69% EBLR (repo-linked) 55% PL, BL and Consumer Durables 14,542 8,580 13,197 69% 10% MCLR/Base rate/Others 14% Credit Cards 9,159 4,948 CV/CE 25,814 20,388 7,903 85% 24,604 27% 16% Fixed rate (basis cash flows) 31% 5% < 1 year 9% Agriculture Division 26,128 22,584 25,002 16% 5% > 1 year 22% Tractor Finance 12,986 10,129 12,015 28% 8% Floating + Fixed rate book < 1 year: 78% Retail Micro Finance 5,338 2,416 4,444 121% 20% Corporate Bkg 69,987 68,529 65,524 2% 7% Unsecured retail advances (incl Retail Micro SME 23,154 18,560 22,310 25% 4% Finance): 9.3% of Advances (31st Dec, 2021: 6.3%) Others 5,574 3,877 5,000 44% 11% Total Advances 310,734 252,935 294,023 23% 6% Credit Substitutes 28,579 Total Customer Assets 339,313 21,634 274,569 27,301 32% 321,324 24% 5% 6% 9

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