Investor Presentation Q3FY23

Our Strengths Ckotak An integrated financial services conglomerate with a diversified business model Balance Sheet, Market & Knowledge driven businesses that provide access to multiple growth avenues and hedge against downturns Broad product spectrum helps meet customers' diverse requirements, enhancing overall experience Healthy asset quality & prudent risk management capabilities Focus on 'Return of Capital' along with return on capital Comprehensive Enterprise Risk Management framework Digital & technological capabilities Best in class digital processes and experience Customer centric approach to build positive, long term and engaging relationship Strong cybersecurity and data protection framework Ability to identify and capitalize on opportunities Culture of innovation that helps capitalize on profitable business opportunities, create niche and differentiated business segments Talented, engaged and motivated employees Strong brand and leadership across businesses Strong position across various segments Numerous industry awards and accolades Strong governance culture and an experienced management team 11/13 Group Management Council ('GMC') members with 20+ years with the Group - helped create various businesses since inception 68 members* in the 'Kotak Leadership Team' (incl. GMC) strong succession pipeline for senior leadership positions *as on 31st December, 2022 24 224

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