Standalone Highlights Q4FY22

Our Strengths CC kotak An integrated financial services conglomerate with a diversified business model ∞ Balance Sheet, Market & Knowledge driven businesses encompassing all customer & geographic segments ∞ Wide spectrum of financial products and services that help to provide balance in market cycles, hedge against downturns in specific segments and access multiple growth avenues ∞ Broad product spectrum helps meet our customers' diverse financial and investment requirements, enhancing overall customer experience Healthy asset quality & prudent risk management capabilities 8 Ability to assess opportunities with a focus on returns that are commensurate with risk through prudent risk management ∞ Detailed & extensive policies covering capital adequacy, portfolio concentration limits & stress testing Digital & technological capabilities Ability to identify and capitalize on opportunities * Focused on customer acquisition, customer centricity, enhancement of customer experience, making internal operations efficient and enhancing our cybersecurity and data protection framework ∞ Investment in technology and analytics enabling cross-sell of a wide range of products on digital platforms, thereby deepening customer relationships Ability to identify and capitalize on profitable business opportunities, create niche and differentiated business segments and offer new products and services * Culture of innovation that has allowed us to build profitable business models, and has enabled us to enter into and maintain partnerships Strong brand and leadership across businesses ∞ Numerous industry awards and accolades for various aspects of our business, reflect the talent of our senior management and employees, as well as trust in the quality of our products and services 8 Strong position across various segments of our businesses Strong governance culture and an experienced management team ∞ 10/12 Group Management Council ('GMC') members have spent 20+ years with the Group & helped create various businesses since inception ∞ 63 members (as on May 04, 2022) in the 'Kotak Leadership Team' (incl. GMC) - strong succession pipeline for senior leadership positions to nurture our culture of growth, innovation & high quality governance 32 32

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