Investor Presentation Q3FY23

Digital Highlights kotak Adoption & Cross-sell 90% RDs and 79% FDs booked digitally 94% investment a/cs sourced via App & Netbanking 56% of MF/SIPs booked through digital channels 84% Requests are serviced digitally Payments 1.9X YOY UPI transactions within Mobile App 1.4X YOY UPI acquiring transaction volume API Banking 32 new partners made live in Q3FY23 55 public APIs live 1.3x YoY API transaction volume 2.6X YoY Pay Your Contact transactions Journeys DIY Journey for New to Bank Credit Card customers with real-time checks, Video KYC, Instant card generation DIY Journey for Existing to Bank & New to Bank Customers for Personal Loans Dispute raising through WhatsApp and Keya chatbot Raise and track loan service requests on Mobile Banking Over 98% of savings account transaction volumes were in digital or non-branch modes in Q3FY23 11 YoY-Q3FY23 v/s Q3FY22

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