General Updates

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% 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 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% KotakSecurities 533 465 400 14% 33% KotakMahindraCapital# 89 89 103 - (14%) Capital Market 622 554 503 12% 24% 9% KotakMahindraLifeInsurance 336 327 90 3% 274% Insurance 336 327 90 3% 274% KotakAMC andTC 399 326 184 23% 117% 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 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 Kotak MahindraCapital 89 3,701 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 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% *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% *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% .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 [Showing first 8,000 characters — download PDF for full document]