KOTAKBANK

July 18, 2026 BSE Limited National Stock Exchange of India Limited Corporate Relationship Department Exchange Plaza, Plot No. C/1, G Block, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Bandra (East), Mumbai 400 001 Mumbai 400 051 BSE Scrip 500247, 974396, 974682, NSE Symbol: KOTAKBANK, KMB29, Code: 974924, 975387 KMB30 Dear Sirs, Sub: Investor Presentation for Earnings Conference Call on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter ended June 30, 2026 Further to our intimation today regarding the Consolidated and Standalone Unaudited Financial Results of Kotak Mahindra Bank Limited (“Bank”) for the quarter ended June 30, 2026 (“Financial Results”) 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 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 Mahindra Bank Ltd. CIN: L65110MH1985PLC038137 Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, T +91 22 61660001 Bandra (E), Mumbai 400051, www.kotak.bank.in Maharashtra, India. This is a Confidential document. Transforming for scale Investor Presentation Q1FY27 Presentation on financial results for the Period ended 30th June, 2026 18th July, 2026 This is a Confidential document. Consolidated Highlights Q1FY27 PAT ₹ 5,480 cr ROA 2.18% ROE 11.90% 23% Q1FY26 ₹ 4,472 cr 2.03% 11.13% As at Customer AUM Customer Assets* CAR# CET-I# Book Value / Share^ Jun’26 ₹ 805,531 cr 8% ₹ 645,812 cr 16% 22.9% 22.6% ₹ 189 14% Jun’25 ₹ 747,404 cr ₹ 557,369 cr 23.7% 22.7% ₹ 166 *Customer Assets comprise Advances (gross of IBPC & BRDS) and Credit Substitutes | #CAR and CET-I as per Basel III, including unaudited profits | ^Book Value Per Share computed based on sub-division of 1 equity 2 share of face value ₹ 5 each into 5 equity shares of ₹ 1 each w.e.f. 14th January, 2026 This is a Confidential document. Kotak Group PAT – Q1FY27 ₹ cr Q1FY27 Q1FY26 Q4FY26 YoY QoQ PAT Contribution KotakMahindraBank 4,123 3,282 4,027 26% 2% (Bank & Subsidiaries) KotakMahindraPrime 354 272 240 30% 48% Kotak Mahindra Investments 113 107 115 6% (2%) Q1FY27 Kotak Infrastructure Debt Fund 14 14 16 - (12%) BSSSonata Microcredit* 27 (17) (9) - - Q1FY26 Bank & Other Lending Related Entities 4,631 3,658 4,389 27% 6% 75% 74% KotakSecurities 533 465 400 14% 33% KotakMahindraCapital# 89 89 103 - (14%) 9% Capital Market 622 554 503 12% 24% 9% 6% KotakMahindraLifeInsurance 336 327 90 3% 274% 11% Insurance 336 327 90 3% 274% 6% KotakAMC andTC 399 326 184 23% 117% 10% Kotak Alternate Asset Managers 126 59 54 112% 133% InternationalSubs 29 42 20 (32%) 43% Asset Management 554 427 258 30% 115% Bank & Other Lending Related Entities Others 2 1 2 - - Capital Market Bank & Subsidiaries 6,145 4,967 5,242 24% 17% Insurance Associates (7) 43 22 (115%) (131%) Asset Management & Others Inter co.Adjustments (658) (538) (26) - - Consolidated PAT 5,480 4,472 5,238 23% 5% PAT on Infina divestment# - - 185 - - Total Consolidated PAT 5,480 4,472 5,423 23% 1% *Formerly known as BSS Microfinance Limited #Q4FY26: Kotak Mahindra Capital (KMCC) PAT does not include gains of ₹ 1,094 cr on divestment of stake in its associate, Infina Finance Private Limited (“Infina”). At consolidated level, the PAT on this divestment is ₹ 185 cr after considering its carrying value in consolidated financials. Post stake sale Infina ceased to be an associate w.e.f. 24th March, 2026 3 This is a Confidential document. Kotak Group Networth & ROE NNeettwwoorrthth C Conotnritbruibtiuontion ₹cr PAT Q1FY27 Networth Jun’26 ROE (Bank & Subsidiaries) CET I Kotak MahindraBank 4,123 140,924 22.4% Kotak MahindraPrime 354 11,496 23.1% Kotak Mahindra Investments 113 4,355 38.2% Kotak Infrastructure Debt Fund 14 647 42.5% 83% As at BSSSonata Microcredit* 27 1,292 30th Jun, Bank & Other Lending Related Entities 4,631 158,714 11.9% 5% 2026 Kotak Securities 533 12,076 4% Kotak MahindraCapital 89 3,701 8% Capital Market 622 15,777 16.0% Kotak MahindraLifeInsurance 336 6,801 Insurance 336 6,801 19.9% Kotak AMC andTC 399 4,913 Bank & Other Lending Related Entities Kotak Alternate Asset Managers 126 1,608 Capital Market InternationalSubs 29 2,717 Insurance Asset Management 554 9,238 24.5% Asset Management & Others Others 2 115 8.1% Bank & Subsidiaries 6,145 190,645 Associates (7) 444 Inter co.Adjustments (658) (2,875) Total 5,480 188,214 11.9% Networth represents Capital & Reserves and Surplus *Formerly known as BSS Microfinance Limited 4 This is a Confidential document. Kotak Group - Customer Assets Under Management Total: ₹ 805,531 cr 8% Total: ₹ 747,404 cr Domestic MF Equity Domestic MF Equity 357,323 405,839 Domestic MF Debt Domestic MF Debt 192,866 197,879 30th Jun, 30th Jun, 2026 2025 NPS & PMS NPS & PMS 16,254 12,301 Offshore Funds Offshore Funds 48,710 43,615 Alternate Asset* Alternate Asset* 38,119 Insurance$ 45,869 Insurance$ 103,825 90,335 *Include undrawn commitments, wherever applicable | $ Policyholder’s AUM 5 .tnemucod laitnedifnoC a si sihT Bank Highlights Q1FY27 PAT ₹ 4,123 cr 26% NIM 4.53% ROA 2.14% Cost / Income 45.6% Credit Cost* 0.46% Q1FY26 ₹ 3,282 cr 4.65% 1.94% 46.2% 0.93% As at Customer Assets# Deposits CAR^ CET-I ^ Jun’26 ₹ 570,901 cr 16% ₹ 572,820 cr 12% Net NPA 0.27% CASA Ratio 40.3% 22.8% 22.4% Jun’25 ₹ 492,972 cr ₹ 512,838 cr 0.34% 40.9% 23.0% 21.8% 6 *Credit cost on specific provisions | #Customer Assets comprise Advances (gross of IBPC & BRDS) and Credit Substitutes | ^CAR and CET-I as per Basel |||, including unaudited profits This is a Confidential document. Profit and Loss Statement – Q1FY27 ₹ cr Q1FY27 Q1FY26 Q4FY26 YoY QoQ Notes Net InterestIncome 7,928 7,259 7,876 9% 1% Q1FY27: Employee cost includes hit in retiral benefits due to Other Income 3,338 3,080 3,116 8% 7% movement in discount rates: ~ ₹ 100 cr (Q4FY26: reversal of FeeandServices 2,500 2,249 2,767 11% (10%) ~ ₹ 100 cr) Trading and MTM income* (58) 195 52 (130%) (212%) Others 896 636 297 41% 201% Net Total Income 11,266 10,339 10,992 9% 3% Employee Cost 2,210 2,065 2,061 7% 7% Fees & Services OtherOperatingExpenses 2,925 2,710 3,076 8% (5%) OperatingExpenditure 5,135 4,775 5,137 8% - ₹cr Q1FY27 Q1FY26 Q4FY26 Operating Profit 6,131 5,564 5,855 10% 5% Distribution 351 344 695 Prov.onAdv/Receivables (net) 677 1,200 536 (44%) 26% General Banking Fees 2,027 1,808 1,944 Prov. on AIF/other Investments (9) 8 (20) (204%) (57%) Provision & Contingencies 668 1,208 516 (45%) 29% Others 122 97 128 PBT 5,463 4,356 5,339 25% 2% Total 2,500 2,249 2,767 ProvisionForTax 1,340 1,074 1,312 25% 2% PAT 4,123 3,282 4,027 26% 2% ROE 11.98% 10.94% 12.27% 7 *On fixed income, net of OIS/FRA .tnemucod laitnedifnoC a si sihT Balance Sheet ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 Capital & Reserves and Surplus 140,924 123,428 135,199 Cash, Bank and Call 44,620 43,080 84,089 Deposits 572,820 512,838 572,456 Investments 191,852 182,292 172,535 of which, CASA 231,017 209,645 247,723 Net Advances 512,249 444,823 496,009 Borrowings 25,840 21,148 32,475 Fixed & Other Assets 26,352 18,814 30,370 Other Liabilities and Provisions 35,489 31,595 42,873 Total Liabilities 775,073 689,009 783,003 Total Assets 775,073 689,009 783,003 CASA Ratio 40.3% 40.9% 43.3% CD Ratio 89.4% 86.7% 86.6% 8 .tnemucod laitnedifnoC a si sihT Deposits CASA EOP (₹ cr) Averages Q1FY27 YoY % Q1FY26 CASA % 40.3% 40.9% 43.3% Total Deposits 558,891 491,998 13,662 13,288 13,707 14% 132,369 129,067 Current Account 78,107 15% 67,808 114,657 Fixed rate Savings 125,061 16% 107,450 Account 88,288 81,700 101,647 Floating rate 13,731 -18% 16,737 Savings Account Jun-26 Jun-25 Mar-26 CA Fixed rate SA Floating rate SA Term Deposit 341,992 14% 300,003 Term Deposits EOP (₹ cr) 60,108 59,099 57,604 Q1FY27 Q1FY26 Cost of Funds 4.46% 5.01% 281,695 244,094 267,129 Cost of SA 2.86% 3.32% Jun-26 Jun-25 Mar-26 Other Term Deposits ActivMoney 9 This is a Confidential document. Customer Assets Advance Mix – 30th June, 2026 ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 YoY QoQ Retail Banking 202,842 180,621 201,468 12% 1% Home Loans & LAP 150,903 131,792 150,945 15% - PL, BL and Consumer Retail 25,589 24,368 25,672 5% - Durables 12% Credit Cards 12,788 12,924 12,294 (1%) 4% 39% Retail Microcredit 6,484 5,901 6,188 10% 5% Institutional Others 7,078 5,636 6,369 26% 11% Institutional Banking 259,895 217,482 246,797 20% 5% 49% Independent Corporate Banking 121,875 105,525 116,312 15% 5% Business SME 125,826 104,426 122,657 20% 3% Others 12,194 7,531 7,828 62% 56% Independent Product Business 64,873 60,847 65,990 7% (2%) CV / CE 45,081 42,973 45,906 5% (2%) Tractor Finance 19,792 17,874 20,084 11% (1%) Unsecured retail advances (incl. Retail Microcredit) Advances (A) 527,610 458,950 514,255 15% 3% increase during Q1FY27 by ₹ 707 cr. CreditSubstitutes (B) 43,291 34,022 31,461 27% 38% As a % of Net Advances: Customer Assets (A + B) 570,901 492,972 545,716 16% 5% 30th June, 2026: 8.8% IBPC & BRDS (C) 15,361 14,127 18,246 9% (16%) 31st March, 2026: 8.9% Net Advances (A - C) 512,249 444,823 496,009 15% 3% 30th June, 2025: 9.7% 10 This is a Confidential document. Asset Quality ₹ cr Q1FY27 Q1FY26 Q4FY26 ₹ cr 30-Jun-26 30-Jun-25 31-Mar-26 Opening GNPA 6,018 6,134 6,320 GNPA (%) 1.18% 1.48% 1.20% Fresh Slippages 1,321 1,812 1,018 NNPA (%) 0.27% 0.34% 0.25% Upgradations & Recoveries 565 549 680 PCR (%) 78% 77% 79% Write-offs 652 759 640 GNPA 6,122 6,638 6,018 Closing GNPA 6,122 6,638 6,018 NNPA 1,358 1,531 1,263 Credit cost (annualised) (%)* 0.46% 0.93% 0.39% Total provisions (incl. specific) 7,340 7,440 7,254 ▪ SMA-2^ as on 30th June, 2026: ₹ 249 cr (as on 31st March, 2026: ₹ 194 cr) ▪ Fresh slippages of Q1FY27 upgraded within the same quarter: ₹ 165 cr (Q4FY26: ₹ 112 cr) 11 *Credit cost on specific provisions | ^ Fund based outstanding for borrowers with exposure > ₹ 5 Cr This is a Confidential document. Bank’s Financial Health Indicators Particulars Q1FY27 Q1FY26 Q4FY26 NIM 4.53% 4.65% 4.67% Cost of Funds 4.46% 5.01% 4.45% Profitability Return on Equity 11.98% 10.94% 12.27% Return on Assets 2.14% 1.94% 2.14% Cost to Income 45.6% 46.2% 46.7% Efficiency Cost to Assets 2.66% 2.83% 2.73% CD Ratio 89.4% 86.7% 86.6% Balance Sheet CASA Ratio 40.3% 40.9% 43.3% Stability CET-I 22.4% 21.8% 21.3% Consolidated BVPS (₹) 189 166 182 NNPA 0.27% 0.34% 0.25% Credit Cost* 0.46% 0.93% 0.39% Asset Quality Slippages Ratio 1.03% 1.63% 0.82% PCR 78% 77% 79% 12 *Credit cost on specific provisions This is a Confidential document. Kotak Mahindra Prime Customer Assets^ (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 45,960 NII 615 568 613 2,348 44,933 41,469 YoY: 11% Other Income 257 177 91 569 9,633 QoQ: 2% 9,035 7,323 -Of which MTM on OIS 67 18 (68) (63) NII and Other Income 872 745 704 2,917 36,327 34,146 35,898 Profit Before Tax 473 363 320 1,342 Profit After Tax 354 272 240 1,008 Jun-26 Jun-25 Mar-26 NNPA (%) 1.0 1.0 1.0 1.0 Vehicle Others CAR (%) 23.5* 23.5* 23.3 23.3 ^comprises loans and credit substitutes ROA (%) 2.8 2.4 2.0 2.1 *including unaudited profits 13 .tnemucod laitnedifnoC a si sihT Kotak Securities KS Cash ADV (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 Total Income 1,809 1,446 1,499 5,705 YoY: 20% QoQ: 21% -Of which Investment Income 173 143 13 237 9,213 7,662 7,636 7,118 Profit After Tax 533 465 400 1,642 Cash Market Share* (%) 10.4 10.1 9.8 9.9 Q1FY27 Q1FY26 Q4FY26 FY26 Derivative Market Share* (%) 15.9 14.3 15.3 15.0 Overall Market Share* (%) 13.8 12.8 13.5 13.2 Market share in Margin Trading Funding (MTF): ~14% as at *excluding Proprietary segment 30th June, 2026 Other Highlights Retail Broking Institutional Broking • DIY orders (self-traded) accounted for 97% of total orders in Q1FY27 • A leading institutional broker for some of the biggest global & domestic • Launched ‘Scalper Pro’ - A professional gradetrading terminal with multi chart institutional investors; works in collaboration with the Investment Bank - Kotak analysis and single click execution built for high-speed trading Mahindra Capital and the Corporate Bank – Kotak Mahindra Bank • In Q1FY27, executed 9 ECM bulk/block deals and 1 OFS, amounting to USD 2.4 bn 14 .tnemucod laitnedifnoC a si sihT Kotak Mahindra AMC & Trustee Co. Average Assets Under Management (₹ cr) - Overall ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 Profit After Tax 399 326 184 1,082 YoY: 16% QoQ: 2% - Of which Investment 152 119 (57) 167 Income* 609,499 599,283 570,041 525,829 *Net of taxes Key Highlights Q1FY27 Q1FY26 Q4FY26 FY26 • Proportion of Individual MAAUM: 58% • Monthly SIP Inflows for Jun’26: ₹ 2,155 cr, up 21% YoY • Equity(Ex ETF & Arb) AAUM Market share: 6.52% in Q1FY27 Average Assets Under Management (₹ cr) - Equity Other Highlights YoY: 18% QoQ: 3% • Kotak Equity MAAUM Distribution Mix (ex ETF & Arb) June’26: 391,208 378,706 MFDs: 38%, National Distributors: 24%, Direct: 24%, Banks (ex- Kotak): 8% 361,885 Kotak Bank: 5% and Others: 1% 332,638 • Leading the Arbitrage Fund category basis MAAUM^ MAAUM - Monthly Average AUM | ^Source: AMFI MAAUM as of 30th June, 2026 Q1FY27 Q1FY26 Q4FY26 FY26 15 .tnemucod laitnedifnoC a si sihT Kotak Mahindra Life Insurance Gross Written Premium (₹ cr) ₹ cr Q1FY27 Q1FY26 Q4FY26 FY26 3,674 2,861 9,207 21,441 Capital & Reserves and 6,801 6,437 6,738 6,738 YoY: 28% 1,501 Surplus 1,344 4,783 10,904 Total Premium 3,674 2,861 9,207 21,441 1,499 965 2,592 5,967 PAT(Shareholders’) 336 327 90 628 234 172 480 1,384 440 380 1,352 3,186 Solvency Ratio (x) 2.20 2.40 2.21 2.21 Q1FY27 Q1FY26 Q4FY26 FY26 Ind Reg Ind single Group Ind Renewal Ind APE 463 398 1,400 3,324 Other Highlights Gross written premium Q1FY27 Q1FY27 Share of Retail sum assured recorded • Built an AI-powered Incentive has grown by 28.4% YoY Traditional Product Mix at 57.3% growth in Q1FY27. Predictor enabling real-time 68.0 % of regular premium simulations and what-if scenarios Individual NB premium for AUM as on 30th Jun, 2026 Q1FY27 has grown by 21.9% Overall protection ₹ 110,372 cr, growth 14.3% YoY. • Launched a cloud-native banca YoY business for Q1FY27 has platform with KMBL, enhancing grown by 31.0% YoY. digital insurance journeys and Overall Group Premium for scalability Q1FY27 has a growth of 55.3%. 16 This is a Confidential document. Building on the Power of a Diversified Financial Conglomerate Four Engines of growth that enables us to meet Our conglomerate structure helps retain profitability customer needs across the financial spectrum​ within the group by capturing shifting financial trends through cycles Consolidated PAT contribution All subsidiaries are 100% Bank & other lending related entities beneficially owned by Bank Other Entities 4th ₹ 3.9 trn ₹ 10.1 trn Largest Market Consolidated Private Sector Cap# Balance Sheet Bank in India* 19,113 1 19,103 2 18,213 ₹ 8.1 trn ₹ 6.5 trn 14,925 15% 21% 21% ₹ 5.7 trn 12,089 Consolidated Consolidated 9,990 17% Customer Customer Bank 8,593 18% AUM Assets Deposits 19% 21% 85% 79% 79% 5,480 83% 82% 25% 81% 79% 75% 5,916 50 mn 112,000+ Group Bank Full-time Group FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY27 Branch Network Customers Employee Base in India^ Consolidated BVPS: 6-Yr CAGR - 17% 1Excludes gain on divestment of stake in ZKGI 2Excludes gain on divestment of stake in Infina *By Balance Sheet size as at 31st March, 2026 | #as on 30th June, 2026 | ^In addition, Bank branches are present in DIFC (Dubai) 17 & GIFT City (Gujarat) and Kotak Securities network includes branches, franchises and referral co-ordinators .tnemucod laitnedifnoC a si sihT Focus Customer Segments : Individual Customers served through curated propositions HNI : Private Banking + Solitaire Core India : Kotak811 Proposition: Proposition: Group-wide holistic suite of offerings across full range of banking & insurance Serving Core India (a billion Indians) through fully digital, end-to-end journeys for services, investment products & advisory, family office & multigenerational customer onboarding and servicing with offerings across payments & sachet-sized wealth preservation solutions and trading & research platform access. products. Customer engagement is driven by in-app UPI, BillPay and rewards, along with differentiated offerings like the Metal Debit Card & SuperX (4-in-1 proposition). Value to Kotak Group: Value to Kotak Group: Driving profitable growth with: 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 • Monthly customer acquisition run rate # of 298K (280K) 78.2K (66K) Families with Relationship Value* of ₹ 12.7 lakh • Kotak811 SA is 12.7% (12.2%) of Bank’s total SA, growing at 32% YoY crore (₹ 10.8 lakh) [across Bank & Group] & 2% QoQ Please note that the various products or services mentioned above are offered by Kotak Mahindra Bank and its group entities | Numbers in brackets pertain to March 2026 | *Relationship Value equals Private Banking + Solitaire ; 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 This is a Confidential document. Focus Customer Segments : Non - Individual Customers served through curated propositions SME Institutional Proposition: Proposition: Relationship-led banking proposition for delivering end-to-end solutions across A fully integrated platform delivering balance-sheet, capital market and advisory working capital, term loans, supply chain financing, trade finance, cash solutions supported by lending capabilities across working capital, capex funding, management and foreign exchange while building next-generation enterprises structured finance, distressed assets and credit substitutes, along with capabilities through knowledge and capabilities enabled by the IIT partnership. spanning across investment banking, equity research, broking, custody and treasury. Value to Kotak Group: Value to Kotak Group: Driving scalable growth through: Driving profitable growth through: • Primary banking relationships anchored across enterprise and • Increased wallet share and deepening relationships personal banking • Leveraging leadership positions in custody, investment banking, broking • Transaction-led flows and fee-based revenues and research • Diversified pan-India granular portfolio • Fee-led, capital-efficient earnings delivering higher ROE • Contributes 20% of Bank’s total fee & services income, growing at 27% YoY in Q1FY27 SME Advances at ₹ 1.3 lakh crore, growing at 20% YoY & 3% QOQ and accounting for 24% of the Bank’s advances mix • Fees from KMCC (investment banking) and KIE (institutional brokerage) cross sell adds ~85 bps to the Corporate Bank’s RoE in Q1FY27 19 Please note that the various products or services mentioned above are offered by Kotak Mahindra Bank and its group entities This is a Confidential document. Independent Product Businesses within the Bank Tractor Finance Commercial Vehicle / Construction Equipment Portfolio characteristics: Portfolio characteristics: • Highly granular, fixed-rate and secured book • Fixed-rate, secured lending with strong dealer / OEM ecosystems • Deep rural reach (600+ districts) and strong dealer ties • Diversified customer segment Value to the Group: Value to the Group: • Superior ROE profile • Key entry point into transport and infrastructure ecosystem • Delivers PSL accretion (direct agri) • Linked to infra spend, freight movement and capex cycles • 9.7%* Market Share# • 4.5% / 6.6%^ Market Share# in India respectively • Loan Book of ₹ 19,793 cr, up 11% YoY & down 1% QoQ • Loan Book of ₹ 45,081 cr, up 5% YoY & down 2% QoQ • 4% of Bank’s Advances • 9% of Bank’s Advances *Tractor Manufacturers Association | ^SIAM (CV) / ICEMA (CE) | #Q1FY27 Market Share 20 This is a Confidential document. Geographical Presence Group Branches distributed across various geographies Bank Branch Classification Bank Branch Distribution (No. | %) (No. | % ) Network in India Branches Metro 1,063 | 46% North 732 | 32% Urban 491 | 22% East 195 | 8% Kotak Bank 2,301 Semi Urban 329 | 14% West 708 | 31% 418 | 18% 666 | 29% Rural South Kotak Mahindra Prime 166 2,301 2,301 Kotak Life Insurance 384 Kotak Securities# 1,446 Kotak AMC 126 Bank Branch presence as on BSS Sonata Microcredit& 1,493 30th June, 2025: 2,154 | 31st Mar, 2026: 2,276 Total 5,916 Additionally, International reach comprises: No. of ATMs^ No. of Currency Chests • Bank branches in DIFC (Dubai) & GIFT City (Gujarat) • Offices of International subsidiaries in New York, London, Mauritius, 2,734 10 Dubai, Abu Dhabi and Singapore #Kotak Securities network includes branches, franchises and referral co-ordinators | ^including cash recyclers | &Formerly known as BSS Microfinance Limited | 21 This is a Confidential document. Creating Value for our Stakeholders Customers: The Heart of Our Business Getting it right by our customers by understanding their needs and stitching together relevant product propositions drawn from capabilities across the Group companies will help us become primary Banking relationship for our Customers and scale our Customers business. Driving Inclusive and Scale Responsible Growth Community: Thriving Together y C Company: Building Sustainable Value t i n Execution o The key outcome we pursue in this are u One Kotak m To build a great company that shareholders m Excellence at Customer at p inclusive and responsible growth. Our m Scale the centre n a can be proud off - an institution that delivers efforts are geared to create positive o y sustainable and consistent risk adjusted C impact on the community in line with Empowered Prudent Risk financial returns. values of Kotak. Colleagues Management Technology at the Core Colleagues 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. 22 This is a Confidential document. Annexure 23 This is a Confidential document. Kotak - A Diversified Financial Conglomerate All subsidiaries are 100% beneficially owned by the Bank KotakSecurities Kotak MahindraBank Capital Stock Broking Bank Market KotakMahindra Capital Company Kotak MahindraPrime InvestmentBanking Car and Two-Wheeler Loans Banking & Kotak MahindraTrusteeship Services other Kotak Mahindra Investments EstatePlanning&TrusteeshipServices lending Lending & Investments Kotak Mahindra Pension Fund related Pension Fund Kotak Infrastructure Debt Fund entities Kotak MahindraAssetManagement Infrastructure Financing MutualFund BSS Sonata Microcredit& Kotak Alternate Asset Managers Business Correspondent Alternate Assets Asset Kotak Mahindra (International), Kotak Mahindra Asset Protection Management (Singapore), Pte, Kotak Mahindra (UK), Kotak Management KotakMahindraLife Insurance Mahindra, Inc., Kotak Mahindra Financial Services Life Insurance International Business Rating for Kotak Mahindra Bank, Kotak Mahindra Prime, Kotak Mahindra Investments, Kotak Infrastructure Development Fund, Kotak Securities, Kotak Mahindra Life Insurance, Kotak Alternate Asset Managers In addition to above, there are subsidiaries called Kotak Trustee Company, IVY Product Intermediaries and Kotak Karma Foundation 24 &Formerly known as BSS Microfinance Limited This is a Confidential document. ESG at Kotak Environment Social Governance ➢ 21 LEED/IGBC-certified premises, housing 29% of ➢ Gender diversity target of 30%# by FY 2028-29 ➢ ISO/IEC 27001 certified Information security the workforce^ ➢ 33% Reduction in Complaint Resolution TAT$ management system ➢ Use of renewable energy at key corporate offices ➢ 10 ISO 45001 certified offices for workplace safety ➢ Code of Conduct forservice providers isintegrated and rooftop solar at select branches in serviceagreements ➢ BizLabs ➢ Gender diversity and succession planning integrated ➢ ~4.5 lakh+ saplings planted under CSR@ • Accelerator Programme: Supported 71 early- into leadership assessments ➢ 25+ lakes and ponds rejuvenated in urban areas stage startups through mentorship, market ➢ Policy Advocacy under CSR@ access and ecosystem partnerships • Member, Joint Committee On Climate Finance • Women Startup Programme (WSP): Launched Taxonomy for India 6th cohort with NSRCEL(IIM B) to support 2,500+ • Member, India- UK Financial Partnership women entrepreneurs ESG in Core Business ➢ ₹ 8,500+ Cr Green asset book* at the Bank ➢ Environment and social risk assessment ➢ Developing an approach to determine impacts of integrated in credit process for high-risk sectors climate-related events on relevant assets ➢ Increasing access to finance to ~1.7 mn women active microcredit borrowers ➢ Board approved green and sustainable finance ➢ Developing decision-useful transition risk insights frameworks for hard-to-abate sectors Ratings & Awards Ranked #3 Most Sustainable As of 2025, Kotakreceived an **ESG Score**: 79.1/100 ESG Score**: 69/100 ESG Score**: 70/100 Company in Banking by BW MSCIESGRatingofAA ^As of 31st March 2026 | @ cumulatively over last 4 years | #of permanent workforce at the Bank | $ FY 2025-26 | *As per green activities/projects indicated in the RBI’s ‘Commercial Banks - Climate Finance and Management of Climate Change Risks Directions, 2025’, based on internal mapping done as of 30th June 2026 | **Index & Ratings data is as of 13thJuly, 2026 unless otherwise mentioned 25 This is a Confidential document. Disclaimer Equity This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Kotak Mahindra Bank Limited (the “Bank”) and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Bank will be made except by means of a statutory offering document containing detailed information about the Bank. This presentation is not a complete description of the Bank. Certain statements in the presentation contain words or phrases that are forward looking statements. All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward looking statement. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation, Contact and there can be no assurance that future results or events will be consistent with any such opinion, estimate or Devang Gheewalla / Kaynaan Shums projection. The information in this presentation is subject to change without notice, its accuracy is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. We do not have Kotak Mahindra Bank Limited any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after Tel +91 22 61660000 the date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not come to fruition. E-mail: investor.relations@kotak.com All information contained in this presentation has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. 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. Neither the Bank nor anyone else accepts any liability whatsoever for any loss, howsoever, arising from any use or reliance on this presentation or its contents or otherwise arising in connection therewith. This presentation may not be used, reproduced, copied, distributed, shared, or disseminated in any other manner. The distribution of this document in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about, and observe, any such restrictions. Figures for the previous period/ year have been regrouped wherever necessary to conform to current period’s / year’s presentation. Totals in some columns/ rows may not agree due to rounding off. 26 This is a Confidential document.