Investor Presentation Q3FY23

Digital Channels Kotak Mobile Banking App SuperApp for all financial needs 11:00 kotak Key launches in the app in Q3 Apply New FAST Service Re Service Re << 1 < 1 4.8 Among the top rated banking apps on iOS ]] 1 2 Revamped UPI Collect deposits request on journey Home page kotak 3 DIY onboarding journeys for Non customer Keya Chatbot 50 SRs/Enquiries live 10.6 Mn FAQ's Handled 1.3X YoY queries handled successfully WhatsApp Banking 4 5 PMJJBY Insta Life cover & PMSBY 6 Revamped OneView 56 Services live 1.1X 90 day active users YoY 4.3 1.3X Among the top rated banking apps on Android 90 day active Users YOY 1.9X Transaction Volume YoY YOY-Q3FY23 v/s Q3FY22; QoQ-Q3FY23 v/s Q2FY23 3.9X YoY queries handled successfully 1.1X Transaction Value YoY Retail Assets 1.4X Unique Customers visiting Loans Section QoQ 12

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