Investor Presentation Q3FY23

Present Across the Entire Value Chain Platform with Wide Product Portfolio Deposits across all customer segments Wide Customer Coverage Wholesale Banking Corporate Loans Trade Finance • • . Business Banking Commercial Real Estate Forex/Treasury • Cash Management • Custody Business • Off-shore Lending . Commercial Banking Agriculture Finance Tractor Finance . Commercial Vehicles Construction Equipment • Microfinance ● Gold Loans Corporate & Institutional Very Large Large Emerging Corporates SME . . • . Consumer Banking Branch Banking Kotak811 Home loans & LAP Personal Loans Consumer Finance • Credit Cards • Priority Banking Small Business Loans Working Capital Other Financial Services Individuals • Private Banking • • Car and 2W Loans Mutual Funds HNI • Alternate Assets Affluent Off-shore Funds • Life Insurance Mass Affluent General Insurance • Investment Banking / DCM Mass Broking . NRI Banking • Infra Debt Finance • Rural Housing & Business Loans • Asset Reconstruction • Forex Cards • FASTag . Loan against Shares • CO kotak Investment Banking Corporate banking products Transaction banking • Fund and Fee based products Salary accounts • Private/ Priority Banking Commercial banking Consumer loans Mutual fund • Insurance . Kotak811 Microfinance Organisation structure and culture drives cross-sell and customer cross-buying across various products 23 23

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