Investor Presentaiton

Geographical presence Branches distributed across various geographies ❤kotak Himachal Pradesh 12 Jammu & Kashmir 03 Punjab 95 Meghalaya 01 Uttarakhand 11 Haryana 80 Assam 05 Sikkim 01 Delhi 103 Uttar Pradesh 105 Rajasthan 75 Bihar 24 Madhya Pradesh 48 Gujarat 184 Dadra & Nagar Haveli 02 Maharashtra 359 Branches 1,752* [No./%] Branch Classification No. of ATMs# Tripura 01 West Bengal 44 West 552 / 32% 2,814 Chhattisgarh 29 Jharkhand 15 Metro 45% North 532 / 30% Telengana 95 Orissa 20 Urban 21% Goa 07 Karnataka 191 Andhra Pradesh 108 Tamil Nadu 100 Kerala 34 * Does not include branches in DIFC, Dubai & GIFT city, Gujarat # including cash recyclers South 528 / 30% East 140 / 8% Semi Urban 18% Rural 16% 19

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