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Kotak SecuritiesQ4FY22 Q4FY21 Q3FY22 crFY22FY21Total Income6615706562,5022,020Profit Before Tax3353213591,3341,057Profit After Tax2522412701,001793Market Share Cash* (%)11.59.710.410.69.3Market ADV* ( ‘000 cr)4,7822,2473,8753,5521,530Overall Market Share* Q4FY22: 3.7*% (Q4FY21: 2.2%)1,476 branches, franchises and referral co-ordinators*excluding BSE Derivative & Proprietary SegmentsKS - Overall ADV* ( cr)359%412%growth YoYin InternetTrading ADVgrowth YoYin MobileTrading ADV20

Kotak Securities – Digital icing Launched a robust cloud basedtrading platform with cutting-edgetechnology stack Upgraded customer experienceacross Login, Trade, Payment,Portfolio view Introduced new features eg orderslicing, stock fundamental andscreeners Extended Net banking facility foradditional 31 banks Online DIY service journeys madeavailable to update details onNominee, bank, address, mobileemail id & trading segmentactivationAcquihire &PartnershipYouthinitiative Executed first acquihire dealwith TradeGyani Initiated partnership with FinTechs like StockEdge andTrendlyne to empower clientsto take informed tradingdecisions Launched an online subscriptionbased 'No Brokerage Plan’ forunder 30 audience Encourages youth to experiencemarkets early, without worryingabout brokerage21

Kotak Mahindra Capital CompanyAdvisoryEquityKOTAK MAHINDRA BANK LTD.# Block Deal 1,835 cr 6,800 crExclusive financial advisor and fairness opinionCIPLA LTD.# Block Dealprovider to Tata Consumer Products for 4,295 crADANI WILMAR LTD.# Initial Public Offer 3,600 cr 597 crSBI LIFE INSURANCE LTD.# Block DealExclusive financial advisor & manager to the openoffer to Crompton Greaves Consumer Electricals for 2,077 crMax Healthcare LTD.# Block DealTECH MAHINDRA LTD.# Block Deal 3,297 cr 439 cr 3,149 cr 3,000 crSeries D funding and exit of IIFL 846 crVIJAYA DIAGNOSTIC CENTRELTD.# Block DealExclusive financial advisor to iD Fresh Food & HelionVenture Partners for investment by NewQuest CapitalOIL AND NATURAL GASCORPORATION LTD.# Offer For Sale cracquisition of Butterfly GandhimathiExclusive financial advisor to Kogta Financial for 500 crVEDANT FASHIONS LTD.# Initial Public Offerreorganization with Tata Coffee 507 crQ4FY22Q4FY21Q3FY22FY22FY21Total Income8955165440202Profit Before Tax5533135316111Profit After Tax422510324582Partners22

Kotak Mahindra Investments crQ4FY22 Q4FY21Q3FY22FY22FY211168810942735428295914174NII and Other Income144117168568428Profit Before Tax13598149499346Profit After 7%34.6%33.2%4.0%3.9%4.5%4.1%3.5%NIIOther IncomeNNPA (%)CAR (%) (incl unauditedprofits)ROA (%) - annualisedCustomer Assets* ( cr)* Includes loans and credit substitutesNotes Focus on Balance Sheet quality PBT up by 44% on YoY basis Improved margins23

Kotak Mahindra Prime crQ4FY22 Q4FY21 Q3FY22FY22FY214273133781,4571,2127667118331220NII and Other Income5033804961,7871,432Profit Before Tax4162483371,180720Profit After .8%30.1%29.4%4.5%2.9%3.9%3.4%2.1%NIIOther IncomeNNPA (%)CAR (%) (incl unauditedprofits)ROA (%) - annualisedCustomer Assets* ( cr)* Includes loans and credit substitutesNotes Acquired car finance portfolio of Ford Recoveries further improved in Q4FY22 Impact of RBI circular dated 12th November, 2021 onGNPA & Provisioning in Q3 COVID-19 provision reversed during the quarter: 53cr, continue to carry: 6 cr24

Kotak Mahindra AMC & Trustee Co.Average Assets Under Management ( cr) - OverallQ4FY22Q4FY21Q3FY22FY22FY21Profit Before Tax136134192601465Profit After Tax102100149454346 crNotesAverage Assets Under Management ( cr) - Equity Overall Market share on AAUM increased to 7.4% in Q4FY22(Q4FY21: 7.3%) Equity AAUM market share increased to 5.4% in Q4FY22(Q4FY21: 5.2%) AAUM grew 35% YoY compared to industry growth of 20% Monthly SIP Inflows for Mar’22: 7.2 bn, up 34% YoY Individual MAAUM Mix- 49% Launched its maiden Alternate Investment Fund – KotakIndia Renaissance Fund 1 in Feb’2225

Assets Under Management and Relationship Value31st March, 202218%(Total: 382,504 cr)* Includes undrawn commitments,wherever applicable31st March, 2021(Total: 323,762 cr)Relationship Value of Private Banking Priority Investment Advisory ason 31st Mar, 2022 641,000 cr (PY: 382,000 cr) – up 68%26

Geographical presenceBranches 1,700* [No./%]312921177West529 / 31%10319971North517 / 30%Branches distributedacross various geographiesEast135 / 8%5241691248South519 / 31%114329Branch Classification2023519471071899534No. of ATMs* Does not include branches in DIFC, Dubai & GIFT city, Gujarat2,70527

GROUPPROFILE

The Journey So far FirstInternationalBranchAbility to Identify and Capitalize on OpportunitiesARCBANK20082008 Microfinance Digital Bank 811 Kotak IDF20112017Life 90201119922002198520062020 02014 ING VysyaMerger GeneralInsurance20121998MutualFundRating for Bank, KMP, KMIL, KS, KIAL29* License to commence was in 2001

Kotak – Diversified and integrated financial servicesKotak Mahindra BankCommercial Bank & Parent CompanyKotak MahindraPrime Car Finance Other LendingKotak MahindraInvestments Investments LendingKotak Mahindra LifeInsuranceKotak MahindraGeneral InsuranceKotak MahindraFinancial Services Advisory Services forMiddle EastKotak MahindraInternational Advisory Services InvestmentsKotak MahindraTrusteeship Services Trustee CompanyKotak Mahindra AMCKotak Mahindra UKKotak InfrastructureDebt Fund Finance for infra projectsNote: All subsidiaries are 100% owned beneficially by the BankKotak MahindraPension FundKotak MahindraTrustee Company Trustee CompanyKotak Mahindra AssetManagement(Singapore) Asset ManagementBSS Microfinance Banking CorrespondentKotak Securities Stock Broking Commodity Broking Distribution Pension Fund Mutual Fund DistributionKotak Mahindra CapitalCompany Investment Banking Alternate Assets General Insurance Life InsuranceKotak InvestmentAdvisorsKotak Mahindra Inc Broker/DealerIVY ProductIntermediaries30

Present Across the Entire Value ChainPlatform with Wide Product PortfolioWholesale Banking Commercial BankingCorporate LoansTrade FinanceBusiness BankingCommercial Real EstateForex/ TreasuryCash ManagementCustody BusinessOff-shore Lending Agriculture FinanceTractor FinanceCommercial VehiclesConstruction EquipmentMicrofinanceConsumer Banking Branch Banking811Home loans & LAPPersonal LoansConsumer FinanceCredit CardsPriority BankingSmall Business LoansWorking CapitalNRI BankingGold LoansRural Housing & Business LoansForex CardsFASTagOther Financial Services Wealth ManagementCar and 2W LoansMutual FundsAlternate AssetsOff-shore FundsLife InsuranceGeneral InsuranceInvestment Banking / DCMBrokingLoan against SharesInfra Debt FinanceAsset ReconstructionDeposits across all customer segmentsWide Customer te & Institutional Investment BankingCorporate banking productsTransaction bankingFund and Fee based productsSalary accountsHNIAffluent Private/ PriorityBanking Commercial banking Consumer loans Mutual fund InsuranceMass AffluentMass 811 MicrofinanceIndividualsOrganisation structure and culture drives cross-sell and customer cross-buying across various products31

Our StrengthsAn integratedfinancial servicesconglomerate with adiversified businessmodel Balance Sheet, Market & Knowledge driven businesses encompassing all customer & geographic segments Wide spectrum of financial products and services that help to provide balance in market cycles, hedge against downturns inspecific segments and access multiple growth avenues Broad product spectrum helps meet our customers' diverse financial and investment requirements, enhancing overall customerexperienceHealthy asset quality &prudent riskmanagementcapabilities Ability to assess opportunities with a focus on returns that are commensurate with risk through prudent risk management Detailed & extensive policies covering capital adequacy, portfolio concentration limits & stress testingDigital &technologicalcapabilities Focused on customer acquisition, customer centricity, enhancement of customer experience, making internal operations efficientand enhancing our cybersecurity and data protection framework Investment in technology and analytics enabling cross-sell of a wide range of products on digital platforms, thereby deepeningcustomer relationshipsAbility to identify andcapitalize onopportunities Ability to identify and capitalize on profitable business opportunities, create niche and differentiated business segments and offernew products and services Culture of innovation that has allowed us to build profitable business models, and has enabled us to enter into and maintainpartnershipsStrong brand andleadership acrossbusinessesStrong governanceculture and anexperiencedmanagement team Numerous industry awards and accolades for various aspects of our business, reflect the talent of our senior management andemployees, as well as trust in the quality of our products and services Strong position across various segments of our businesses 10/ 12 Group Management Council (‘GMC’) members have spent 20 years with the Group & helped create various businessessince inception 63 members (as on May 04, 2022) in the ‘Kotak Leadership Team’ (incl. GMC) – strong succession pipeline for senior leadershippositions to nurture our culture of growth, innovation & high quality governance32

Our StrategyKeeping Technology atthe CoreInvesting in technology (bothinfrastructure and applications), witha dual objective - ‘run the Bank’ and‘change the Bank’Expanding Access toLow Cost LiabilitiesApproaching financialinclusion as anopportunityLeadership in digitalcapabilitiesContinue journey on best in classdigital processes and interface atspeedPursuing AdvancesGrowthEnsuring right asset quality additionsat risk adjusted pricing andappropriate risk managementBuilding a team oftalented, engaged andmotivated employeesin an agile structureCustomer CentricityKeep customer at the core of thebusiness in order to provide a positiveexperience and build long termrelationshipsExecuting withDiscipline andImproving ProductivityFocus on Efficiency, Productivity andCapitalLeveraging strongcorporate standing topursue inorganicopportunities33

The Path of LeadershipAttract & Retain TalentStrong Capital Position- Capital adequacy amongst thehighest in the Indian banking sector- Provides the basis for growthRisks Management- Extensive on-the-ground presenceand superior sponsor / CXOrelationships- Deep, longstanding relationshipswith a substantial share ofcorporate IndiaMultiple Growth Engines- A stable annuity flow driven business model– balancing volatility inherent in capitalmarket-linked revenues- Leveraging world-class infrastructure andtechnology to drive cost-efficiencies- Leverage “India asset class strength” to tapglobal individual and institutional investors- High degree of stability within thekotak leadership team, with anaverage tenure of 20 years with theGroup- Preferred Employer status in theFinancial ServicesCross Sell Opportunities- Robust bank platform and retaildistribution network- Pan-India reach of over 4,000 retaildistribution points of the Group- Platform for improving funding from lowcost liabilities- Strong Bancassurance model with goodcross-sell ratio, ability to mine customerbase34

Strong and Committed Leadership TeamSenior Leadership Team with Long VintageGaurang ShahDipak GuptaKVS ManianWTDJt. MDD KannanShantiEkambaramWTD30 Years25 Years27 Years30 Years31 YearsCompliance, IT, HR &Marketing, Digital,Customer experience,Audit & VigilanceCredit, ARD, AssetMgmt, AlternateAssets, Insurance &International BusinessCorporate, InstitutionalEquities,Investment Bank &WealthCommercialBankingConsumerBankingJaimin BhattNilesh shahJaideep HansrajVirat DiwanjiSrini SriniwasanPaul Parambi26 Years7 Years28 Years18 Years29 Years30 YearsGroup CFO, OperationsAsset ManagementRetailBrokerageRetail Liabilities &Branch BankingInvestment AdvisoryRisk63 members in Kotak Leadership Team (incl. above and MD & CEO) with an average tenure of 20 years with the GroupNo. of years represent completed years as on 4h May, 2022 with Kotak35

DisclaimerThis presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any securityof 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. Nooffering 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. Allforward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by therelevant forward looking statement. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation, and there can be noassurance that future results or events will be consistent with any such opinion, estimate or projection. The information in this presentation is subject to changewithout 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 haveany 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 theoccurrence of underlying events, even if the underlying assumptions do not come to fruition.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 noranyone else accepts any liability whatsoever for any loss, howsoever, arising from any use or reliance on this presentation or its contents or otherwise arising inconnection 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 informthemselves 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/ rowsmay not agree due to rounding off.Contact: Jaimin Bhatt / Abhiram BhattacharjeeKotak Mahindra Bank LimitedTel: 91 22 61660000E-mail: investor.relations@kotak.com

Kotak Mahindra Life Insurance 4,389 4,045 4,122 Kotak Mahindra General Insurance 233 191 279 . Lead Capture Reports & Dashboards Digital Document Collection Biometric KYC E-agreement E-Mandate . NB 2.0 password generation instantly Customs Duty payments through Kotak PG Note: Product names, trademarks, .