General Updates

July 10, 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 KOTAKBANK, KMB29, KMB30 Code: 974924, 975387 Symbol: Dear Sirs, Sub: Integrated Annual Report 2025-26 and the Notice convening the Annual General Meeting We refer to our letter dated July 7, 2026, intimating about the ‘Forty-First Annual General Meeting’ (“AGM”) of the members of Kotak Mahindra Bank Limited (“Bank”), scheduled to be held on Saturday, August 1, 2026 at 10:00 a.m. (IST) through Video Conferencing (VC). In terms of the provisions of Regulation 34(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, we submit herewith: (i) the Integrated Annual Report 2025-26 of the Bank, comprising, inter alia, the standalone and consolidated audited financial statements for the financial year ended March 31, 2026, the Directors’ Report, the Auditors’ Report, the Management Discussion and Analysis and the Business Responsibility and Sustainability Report; and (ii) the Notice convening the AGM. Pursuant to the relevant circulars issued by the Ministry of Corporate Affairs, the Notice convening the AGM and the Integrated Annual Report 2025-26 are being sent, by e-mail, to those members who have registered their e-mail address with the Bank / its Registrar and Share Transfer Agent / Depository Participants. A letter, as per copy attached, providing the QR Code and the Web-link giving the exact path where complete details of the Notice of AGM and the Integrated Annual Report 2025-26 are available, is being sent to those members who have not registered their e-mail address. The above documents are made available and can be accessed / downloaded from the Bank’s website https://www.kotak.bank.in/en/investor-relations/financial-results/annual-reports.html?source=website and the website of National Securities Depository Limited (NSDL), the e-voting service provider appointed by the Bank, at www.evoting.nsdl.com This intimation is also being made available on the Bank’s website at https://www.kotak.bank.in/en/investor- relations/governance/sebi-listing-disclosures.html We request you to kindly take the above on record and disseminate to all concerned. Thanking you, Yours faithfully, 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. 40 years of transforming ambition into action Integrated Annual Report 2025-26 1985 2014 We’ll discount bills today. We need to be across the whole country. We’ll build a financial conglomerate Let’s acquire a bank. tomorrow. 1992 2017 Time to have an IPO the country will Let’s launch a zero-balance bank talk about for decades. account that customers can simply download from the internet. 1995 2020 Hey, let’s partner with a great So what if there’s a lockdown. investment banker. Let’s do KYC over a video call. ‘Hello, is that Goldman Sachs?’ 2003 2024– How does becoming the first NBFC to Transforming for scale get a banking licence sound? About this Report The Integrated Annual Report for FY 2025-26 reflects our continued commitment The financial information in this Report is presented in accordance with applicable to transparent, responsible and long-term value creation. This Report, which statutory and regulatory requirements, including: also represents our 41st Annual Report and 6th Integrated Annual Report, presents The Companies Act, 2013 a comprehensive account of the financial performance, strategic progress and The Securities and Exchange Board of India (Listing Obligations and Disclosure sustainability-aligned non-financial outcomes of Kotak Mahindra Bank Limited and Requirements Regulations), 2015 its subsidiaries (collectively referred to as the ‘Kotak Mahindra Group’, ‘the Group’ or Relevant Reserve Bank of India (RBI) guidelines, circulars and directions ‘Kotak’) for the year ended 31st March, 2026. Indian Accounting Standards In line with our philosophy, this Integrated Annual Report reflects the synergy between The Banking Regulation Act, 1949 transformation, financial resilience, prudent risk management and responsible conduct Other applicable regulatory guidelines to subsidiaries embedded across our business model. It articulates how we navigate an evolving Governance over the Reporting Process3 macroeconomic, regulatory and stakeholder landscape while strengthening governance and reinforcing our commitment to environmental stewardship and social impact. The preparation of this Integrated Annual Report reflects a robust, organisation-wide process anchored in integrated thinking. The Report has been developed through The Report provides stakeholders with a balanced and integrated view of how we collaboration across functions followed by a senior management review to ensure create, preserve and sustain value over the short, medium and long term, guided by accuracy, coherence and completeness. The disclosures, whether financial or ESG- our strategic priorities, capital allocation discipline and Environmental, Social and related (including material topics) or relating to the select GRI disclosures provided Governance (ESG)-integrated decision-making. in this Report, have been reviewed and approved by the Board. Scope and Coverage1 Assurance4 This Report covers the financial and non-financial performance of Kotak Mahindra Financial Indicators Group for the period from 1st April, 2025 to 31st March, 2026. Comparative data from previous reporting periods has been included, where relevant, to provide The standalone and consolidated financial statements in this report have been context on performance trends. Details of the Bank’s subsidiaries are provided independently audited by: on pages 379-380. M/s. Deloitte Haskins & Sells, Chartered Accountants (FRN 117365W) M M NISSIM & CO LLP, Chartered Accountants (FRN 107122W/W100672) Reporting Boundary for ESG Disclosures Non-Financial Indicators This Report also presents ESG-related information for the Kotak Mahindra Group. ESG disclosures cover domestic and international operations, including offices, branches For non-financial metrics, Reasonable and Limited assurance on identified indicators in and the ATM network. this Integrated Annual Report, including the BRSR, has been provided by DNV Business Assurance India Private Limited (DNV) in accordance with DNV’s VeriSustain™ protocol, The Business Responsibility and Sustainability Report (BRSR) has been prepared on a which is based on ISAE 3000 (Revised). ISO 14064-3 was followed for verification of standalone basis for the Bank and aligned with the standalone financial statements. the disclosures with respect to greenhouse gases. GRI disclosures are primarily presented at a standalone level; however, select indicators have been mapped at the Group level. The scope of assurance for FY 2025-26 includes: As part of our ongoing efforts to expand reporting boundaries, we have voluntarily Reasonable assurance on BRSR Core indicators disclosed select indicators on both a standalone and consolidated basis. These Limited assurance on other select BRSR indicators and GRI disclosures include energy consumption, Scope 1 and Scope 2 greenhouse gas emissions, energy The detailed Assurance Statement forms part of this Report and may be referred and emissions intensity, employee headcount, hires and turnover. The applicable boundaries for each disclosure are clearly specified in the relevant sections. Any to on pages 432-436 and 444-447 . changes in methodologies or assumptions during the reporting period have been appropriately disclosed, along with their impact where applicable.2 Feedback5 We value stakeholde [Showing first 8,000 characters — download PDF for full document]