Investor Presentation Q3FY23

The Path of Leadership kotak 0 Strong Capital Position Multiple Growth Engines Capital adequacy amongst the highest in the Indian banking sector Provides the basis for growth A stable annuity flow driven business model balancing volatility inherent in capital market-linked revenues Leveraging world-class infrastructure and technology to drive cost-efficiencies Leverage "India asset class strength" to tap global individual and institutional investors Risks Management Extensive on-the-ground presence and superior sponsor/CXO relationships Deep, longstanding relationships with a substantial share of corporate India Attract & Retain Talent High degree of stability within the Kotak leadership team, with an average tenure of 20+ years with the Group Preferred Employer status in the Financial Services Cross Sell Opportunities Robust bank platform and retail distribution network Pan-India reach of over 4,200 retail distribution points of the Group Platform for improving funding from low-cost liabilities Strong Bancassurance model with good cross-sell ratio, ability to mine customer base *Kotak Securities network includes branches, franchises and referral co-ordinators 26

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