Investor Presentation Q3FY23

Our Strategy kotak Keeping Technology at the Core Investing in technology (both infrastructure and applications), with a dual objective 'run the Bank' and 'change the Bank' Leadership in digital capabilities Continue journey on best in class digital processes and interface at speed Customer Centricity Keep customer at the core of the business in order to provide a positive experience and build long term relationships Expanding Access to Low Cost Liabilities Pursuing Advances Growth Ensuring right asset quality additions at risk adjusted pricing and appropriate risk management Executing with Discipline and Improving Productivity Focus on Efficiency, Productivity and Capital Approaching financial inclusion as an opportunity Building a team of talented, engaged and motivated employees in an agile structure Leveraging strong corporate standing to pursue inorganic opportunities 25 25

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