Kotak Mahindra Bank Limited

rs,

January 21, 2023 BSE Limited Corporate Relationship, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001 National Stock Exchange of India Limited Exchange Plaza, Plot No. C

₹ 3,403

for the period ended 31st December, 2022 21st January, 2023 Consolidated Highlights Q3FY23 PAT ₹ 3,403 cr ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr

2.60%

nded 31st December, 2022 21st January, 2023 Consolidated Highlights Q3FY23 PAT ₹ 3,403 cr ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6%

14.81%

cember, 2022 21st January, 2023 Consolidated Highlights Q3FY23 PAT ₹ 3,403 cr ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figu

₹ 309,042

AT ₹ 3,403 cr ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited

24.5%

ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited profits.

23.6%

2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited profits. Exclud

₹ 467

ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited profits. Excluding profi

21.0%

in grey are Q3FY22 numbers # As per Basel III, including unaudited profits. Excluding profits CAR: 21.0%, CET I: 20.1% (31st Dec, 2021: CAR: 22.2%, CET I: 21.3%) * Customer Assets comprise Advances and Cr

20.1%

FY22 numbers # As per Basel III, including unaudited profits. Excluding profits CAR: 21.0%, CET I: 20.1% (31st Dec, 2021: CAR: 22.2%, CET I: 21.3%) * Customer Assets comprise Advances and Credit Substitut

22.2%

III, including unaudited profits. Excluding profits CAR: 21.0%, CET I: 20.1% (31st Dec, 2021: CAR: 22.2%, CET I: 21.3%) * Customer Assets comprise Advances and Credit Substitutes 2 Consolidated PAT ₹ c

21.3%

g unaudited profits. Excluding profits CAR: 21.0%, CET I: 20.1% (31st Dec, 2021: CAR: 22.2%, CET I: 21.3%) * Customer Assets comprise Advances and Credit Substitutes 2 Consolidated PAT ₹ cr Kotak Mahin

“No offering of securities of the Bank will be made except by means of a statutory offering document containing detailed information about the Bank.”

“Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”

“We do not have any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after the date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not come to fruition.”

“No representation or warranty (express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness, completeness or accuracy of any information, projection, representation or warranty (expressed or implied) or omissions in this presentation.”

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Registered Office

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Sub

Investor Presentation of the Earnings Conference Call on the Consolidated and Standalone Unaudited Financial Results of the Bank for the Quarter and Nine Months ended December 31, 2022 Further to our intimation regarding the Consolidated and Standalone Unaudited Financial Results of Kotak Mahindra Bank Limited ("Bank") for the quarter and none months ended December 31, 2022 and pursuant to Regulation 30 of the of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ("Listing Regulations"), we enclose herewith a copy of the Investor Presentation in connection with the aforesaid Financial Results. The same is being made available on the website of the Bank in pursuance of Regulation 46 of the Listing Regulations and can be accessed on the following link: https://www.kotak.com/en/investor-relations/financial-results.html?source=website We request you to take the above on record and disseminate the same on your website. Thanking you

Registered Office

27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, www.kotak.com Maharashtra, India. T +91 22 61660001 Q3FY23 Presentation on financial results for the period ended 31st December, 2022 21st January, 2023 Consolidated Highlights Q3FY23 PAT ₹ 3,403 cr ROA 2.60% ROE 14.81% Customer Assets* CAR# CET I# Book Value per Eq. Share ₹ 309,042 cr 24.5% 23.6% ₹ 467 Figures in grey are Q3FY22 numbers # As per Basel III, including unaudited profits. Excluding profits CAR: 21.0%, CET I: 20.1% (31st Dec, 2021: CAR: 22.2%, CET I: 21.3%) * Customer Assets comprise Advances and Credit Substitutes 2 Consolidated PAT ₹ cr Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Securities Kotak Mahindra Capital Kotak Mahindra Life Ins Kotak Mahindra General Ins Kotak AMC and TC International Subs BSS Microfinance Others Bank & Subsidiaries Affiliates Inter co. Adjustments Consolidated PAT Q3FY23 Q3FY22 Q2FY23 2,792 2,131 2,581 225 86 241 28 330 (27) 150 22 82 37 254 11