Investor Presentation Q3FY23

The Journey So far... Ability to Identify and Capitalize on Opportunities kotak 1985 1990 1991 1992 1998 2000 2001 2003 Bill Discount Auto Finance Investment Banking IPO Mutual Funds Life Insurance* Securities BANK AAA 2022 2022 2020 2019 2017 2014 2008 2004 Cherry Kotak Fyn Digital Video KYC First International Branch Microfinance Digital Bank 811 ING Vysya Merger General Insurance ARC Alternate Assets Kotak IDF Rating for Bank, KMP, KMIL, KS, KIAL * License to commence was in 2001 21 21

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