Investor Presentation Q3FY23

Profit and Loss Account kotak cr Q3FY23 Q3FY22 Q2FY23 FY22 Net Interest Income 5,653 4,334 5,099 16,818 Other Income 2,100 1,364 1,955 6,354 Notes for Q3FY23 Trading and MTM hit* Q3FY23:51 cr; (Q3FY22: 477 cr, Q2FY23: 63 cr, FY22: 1,163 cr) Fee and Services 1,847 1,496 1,760 5,781 Others 253 (132) 195 573 AFS+HFT book as % of Investment book: 68% Net Total Income 7,753 5,698 7,054 23,172 Employee Cost 1,478 1,200 1,415 4,582 Modified duration of AFS +HFT*: 1.1 years Other Operating Expenses 2,425 1,797 2,071 6,539 Operating Expenditure 3,903 2,997 3,486 11,121 Operating Profit 3,850 2,701 3,568 12,051 Provision On Adv/Receivables 187 (net) 216 181 1,513 Fees & Services General provision - COVID related (38) (279) (44) (732) cr Q3FY23 Q3FY22 Q2FY23 FY22 Provision On Investments (68) (91) Distribution & Syndication Income 286 230 258 1,102 Provision & Contingencies 149 (131) 137 690 PBT 3,701 2,832 3,431 11,361 General Banking Fees Others 1,516 1,221 1,455 4,511 45 45 47 168 Provision For Tax 909 701 850 2,788 PAT 2,792 2,131 2,581 8,573 Fees and Services 1,847 1,496 1,760 5,781 *On fixed income book, net of OIS 6

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