Kotak Mahindra Bank Limited

rs,

May 2, 2026 BSE Limited Corporate Relationship Department Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai 400 001 National Stock Exchange of India Limited Exchange Plaza, Plot No. C

₹ 5,238

tial document. Consolidated Highlights Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28

6%

t. Consolidated Highlights Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 1

2.18%

lidated Highlights Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.

11.92%

lights Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12%

₹ 4,933

Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer A

2.36%

Y25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Custo

12.90%

26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Asse

₹ 19,103

s at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Assets* ₹ 747,613 c

2.06%

25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Assets* ₹ 747,613 cr 12% ₹ 616,

11.28%

,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Assets* ₹ 747,613 cr 12% ₹ 616,219 cr 15%

₹ 19,113

6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Assets* ₹ 747,613 cr 12% ₹ 616,219 cr 15% CAR 23.0%

“Kotak Group PAT – FY26 ₹ cr Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Infrastructure Debt Fund BSS Sonata Microcredit&# Sonata Finance# Bank & Other lending related entities Kotak Securities Kotak Mahindra Capital Capital Market Kotak Mahindra Life Insurance Zurich Kotak General Insurance Insurance Kotak AMC and TC Kotak Alternate Asset Managers International Subs Asset Management Others Bank & Subsidiaries Associates Inter co.”

“24th March, 2026 2FY25: Gain on sale of stake in ZKGI by Bank in FY25, post stake sale ZKGI became an associate of the Bank w.e.f.”

“Kotak Group Networth & ROE ₹ cr PAT FY26 Kotak Mahindra Bank Kotak Mahindra Prime Kotak Mahindra Investments Kotak Infrastructure Debt Fund BSS Sonata Microcredit&# Bank & Other lending related entities Kotak Securities Kotak Mahindra Capital Capital Market Kotak Mahindra Life Insurance Insurance Kotak AMC and TC Kotak Alternate Asset Managers International Subs Asset Management Others Bank & Subsidiaries Associates Inter co.”

“Adjustments Total PAT on Infina divestment1 Total 14,008 1,008 428 60 (73) 15,431 1,642 350 1,992 628 628 1,082 292 155 1,529 7 19,587 107 (591) 19,103 185 19,288 CET I 21.3% 22.8% 34.9% 44.8% Networth Mar’26 135,199 11,159 4,252 633 1,265 152,508 11,597 3,717 15,314 6,738 6,738 4,692 1,482 2,695 8,869 113 183,542 450 (2,879) 181,113 - - ROE 10.8% 15.4% 9.6% 19.1% 5.9% 11.3% - 1FY26: Gain on sale of stake in Infina by KMCC in FY26, post stake sale Infina ceases to be an associate w.e.f.”

“8 Profit and Loss Statement – FY26 ₹ cr Net Interest Income Other Income Fee and Services Trading and MTM income* Others Net Total Income Employee Cost Other Operating Expenses Operating Expenditure Operating Profit Prov.”

“on Adv/Receivables (net) FY26 FY25 YoY 30,010 11,623 9,981 117 1,525 28,342 11,418 9,530 252 1,636 41,633 39,760 8,351 11,215 19,566 22,067 3,549 7,881 10,873 18,754 21,006 2,848 6% 2% 5% (54%) (7%) 5% 6% 3% 4% 5% 25% Prov.”

“Technology at the Core Colleagues: Our Greatest Asset Engaged colleagues empowered with technology tools and aligned with the Company’s purpose will deliver value for the customers at scale.”

“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.”

Proposition

3

Portfolio characteristics

2

Value to the Group

2

Code

1

Symbol

1

Registered Office

1

Driving scalable growth with

1

Driving profitable growth through

1

Symbol

KOTAKBANK, KMBL, KMB26, KMB29, KMB30 Dear Sirs, Sub: Investor Presentation for the Earnings Conference Call on the Consolidated and Further to our intimation regarding the Consolidated and Standalone Audited Financial Results of Kotak Mahindra Bank Limited (“Bank”) for the financial year ended March 31, 2026 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 for the Earnings Conference Call in connection with the aforesaid Financial Results. The above information is also being hosted on the Bank's website https://www.kotak.bank.in/en/investor- relations/governance/sebi-listing-disclosures.html in terms of the Listing Regulations. This is for your information and appropriate dissemination. Thanking you, Yours faithfully, For Kotak Mahindra Bank Limited Avan Doomasia Company Secretary Encl.: as above Kotak Mah

Registered Office

27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, www.kotak.bank.in Maharashtra, India. T +91 22 61660001 This is a Confidential document. Transforming for scale Investor Presentation Q4FY26 Presentation on financial results for the Period ended 31st March, 2026 2nd May, 2026 This is a Confidential document. Consolidated Highlights Q4FY26^ Q4FY25 FY26^ FY25# As at Mar’26 Mar’25 PAT ₹ 5,238 cr 6% ROA 2.18% ROE 11.92% ₹ 4,933 cr 2.36% 12.90% PAT ₹ 19,103 cr ROA 2.06% ROE 11.28% ₹ 19,113 cr 2.36% 13.12% Customer AUM Customer Assets* ₹ 747,613 cr 12% ₹ 616,219 cr 15% CAR 23.0% CET-I 22.1% Book Value / Share$ ₹ 182 15% ₹ 667,163 cr ₹ 537,860 cr 23.3% 22.3% ₹ 158 ^Excluding gains of ₹ 185 cr on Infina Finance Private Limited (“Infina”) divestment | #Excluding gains of ₹ 3,013 cr on Zurich Kotak General Insurance (ZKGI) divestment | *Customer Assets comprise Advances (gross of IBPC & BRDS) and Credit Substitutes | $Book Value Per Share computed based on sub-division of 1

Proposition

Group-wide holistic suite of offerings across full range of banking & insurance services, investment advisory, family office and multigenerational wealth preservation solutions and trading & research platform access.

Proposition

Serving Core India (a billion Indians) through fully digital end-to-end journeys for customer onboarding and servicing with offerings across payments and sachet sized products. Among the few banking apps leveraging UPI, BillPay and rewards to drive engagement with customers.

Driving scalable growth with

• High-value customers anchored in multi-generational relationships • Lower acquisition and servicing costs • Deeper customer engagement through multi- products across group • Stable granular deposits base • Fee revenues & low capital intensity • Lifecycle-driven monetization through deepening of customer relationships 66K Families with Relationship Value* of ₹ 10.8 lakh crore (across Bank & Group) • Monthly customer acquisition run rate of 280K# • Kotak811 SA is 12.2% of Bank’s total SA, growing at 32% YoY & 8% QoQ Please note that the various products or services mentioned above are offered by Kotak Mahindra Bank and its group entities | *Relationship Value equals Solitaire + Private Banking; Relationship Value = Advances + Deposits + Demat + Investments; Solitaire Programme was launched in May’25 | #Rolling 12 months average acquisitions numbers of new Full KYC Funded Savings Accounts 22 This is a Confidential document. Focus Customer Segments : Non - Individual Customers served thr

Proposition

Relationship-led banking proposition for delivering end-to-end solutions across working capital, term loans, supply chain financing, trade finance, cash management and foreign exchange while building next-generation enterprises through knowledge and capabilities enabled by the IIT partnership. A fully integrated platform delivering balance-sheet, capital market and advisory solutions supported by lending capabilities across working capital, capex funding, structured finance, distressed assets and credit substitutes, along with capabilities spanning across investment banking, equity research, broking, custody and treasury.