Intimation attached.

October 24, 2026 BSE Limited National Stock Exchange of India Limited Mumbai 400 001 Mumbai 400 051 BSE Scrip 500247, 974396, 974682, NSE KOTAKBANK, KMB29, Code: 974924, 975387 Symbol: KMB30 India International Exchange (IFSC) Limited NSE IFSC Limited Gandhinagar 382050 Gandhinagar 382050 India INX Scrip Code: 500082 NSE IX Symbol: KMBL 5.478 Dear Sirs, Sub: Investor Presentation on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter and half-year ended September 30, 2026 for Earnings Conference Call Further to our intimation today regarding the Consolidated and Standalone Unaudited Financial Results of Kotak Mahindra Bank Limited (“Bank”) for the quarter and half-year ended September 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 President & Company Secretary Encl.: as above Kotak Mahindra Bank Ltd. CIN: L65110MH1985PLC038137 Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Telephone: +91 22 61660001 Bandra (E), Mumbai 400051, Website: www.kotak.bank.in Maharashtra, India. Corporate e-mail: KotakBank.Secretarial@kotak.com Transforming for scale Investor Presentation Q2FY27 Presentation on financial results for the Period ended 30th September, 2026 24th October, 2026 This is a Confidential document. Building on the Power of a Diversified and Integrated Financial Services Conglomerate Retains profitability within the group by capturing shifting Our four engines serve customer needs across the financial spectrum financial trends through cycles All subsidiaries are 100% beneficially owned by Bank Consolidated PAT contribution Bank & other lending related entities Other Entities ₹ 4.1 trn ₹ 11.2 trn Largest Private Market Consolidated Sector Bank in Cap# Balance Sheet India* 19,113 1 19,103 2 18,213 ₹ 7.0 trn ₹ 8.1 trn ₹ 6.5 trn 14,925 15% 21% 21% Consolidated 12,089 11,126 Consolidated Bank 17% Customer 9,990 Customer AUM Deposits 8,593 18% 21% Assets 21% 19% 85% 79% 79% 51 mn 112,000+ 5,968 81% 79% 82% 79% Group Branch Bank Full-time Group Network in FY20 FY21 FY22 FY23 FY24 FY25 FY26 H1FY27 Customers Employee Base 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 30th September, 2026 | #as on 30th September, 2026 | ^In addition, Bank branches are present in DIFC (Dubai) & GIFT City (Gujarat) and Kotak Securities network includes branches and franchises 2 .tnemucod laitnedifnoC a si sihT Consolidated Highlights Q2FY27 PAT ₹ 5,645 cr ROA 2.10% ROE 11.70% Q2FY26 ₹ 4,468 cr 1.97% 10.65% As at Customer AUM Customer Assets* CAR# CET-I# Book Value / Share^ Sep’26 ₹ 814,118 cr 8% ₹ 699,250 cr 21% 22.4% 22.1% ₹ 196 16% Sep’25 ₹ 756,964 cr ₹ 576,339 cr 22.8% 21.8% ₹ 169 *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 – Q2FY27 ₹ cr Q2FY27 Q2FY26 Q1FY27 YoY QoQ PAT Contribution KotakMahindraBank 4,212 3,253 4,123 29% 2% (Bank & Subsidiaries) KotakMahindraPrime 251 246 354 2% (29%) Kotak Mahindra Investments 135 120 113 12% 19% Q2FY27 Kotak Infrastructure Debt Fund 15 16 14 (6%) 6% BSSSonata Microcredit* 36 (22) 27 - 37% Q2FY26 Bank & Other Lending Related Entities 4,649 3,613 4,631 29% - KotakSecurities 348 345 533 1% (35%) KotakMahindraCapital 80 60 89 34% (10%) Capital Market 428 405 622 6% (31%) 7% 1% KotakMahindraLifeInsurance 198 49 336 302% (41%) 9% Insurance 198 49 336 302% (41%) KotakAMC andTC 287 258 399 11% (28%) Kotak Alternate Asset Managers 87 104 126 (16%) (31%) InternationalSubs 11 48 29 (77%) (61%) Asset Management 385 410 554 (6%) (30%) Bank & Other Lending Related Entities Others 2 1 2 - - Capital Market Bank & Subsidiaries 5,662 4,478 6,145 26% (8%) Insurance Associates 11 22# (7) (49%) 271% Asset Management & Others Inter co.Adjustments (28) (32) (658) - - Consolidated PAT 5,645 4,468 5,480 26% 3% *Formerly known as BSS Microfinance Limited #Includes share of profit from Infina Finance Private Limited (“Infina”), which ceased to be an associate w.e.f. 24th March, 2026 4 This is a Confidential document. Kotak Group PAT – H1FY27 ₹ cr H1FY27 H1FY26 YoY FY26 PAT Contribution (Bank & Subsidiaries) KotakMahindraBank 8,335 6,535 28% 14,008 KotakMahindraPrime 605 518 17% 1,008 Kotak Mahindra Investments 248 227 9% 428 H1FY27 Kotak Infrastructure Debt Fund 29 30 (4%) 60 BSSSonata Microcredit* 63 (38) - (73) H1FY26 Bank & Other Lending Related Entities 9,280 7,272 28% 15,431 79% KotakSecurities 881 811 9% 1,642 77% KotakMahindraCapital 169 149 14% 350 Capital Market 1,050 960 9% 1,992 8% KotakMahindraLifeInsurance 534 376 42% 628 Insurance 534 376 42% 628 KotakAMC andTC 687 583 18% 1,082 Kotak Alternate Asset Managers 213 163 31% 292 InternationalSubs 39 90 (56%) 155 Asset Management 939 836 12% 1,529 Bank & Other Lending Related Entities Others 4 2 - 7 Capital Market Bank & Subsidiaries 11,807 9,446 25% 19,587 Insurance Associates 5 65# (93%) 107 Asset Management & Others Inter co.Adjustments (686) (571) - (591) Consolidated PAT 11,126 8,940 24% 19,103 PAT on Infina divestment^ - - - 185 Total Consolidated PAT 11,126 8,940 24% 19,288 *Formerly known as BSS Microfinance Limited #Includes share of profit from Infina, which ceased to be an associate w.e.f. 24th March, 2026 ^Gain on sale of stake in Infina by Kotak Mahindra Capital (“KMCC”) in FY26, post stake sale Infina ceased to be an associate w.e.f. 24th March, 2026 This is a Confidential document. Kotak Group Networth & ROE ₹cr PAT Q2FY27 Networth Sep’26 ROE CET I NNeettwwoorrthth C Conotnritbruibtiuontion (Bank & Subsidiaries) Kotak MahindraBank 4,212 145,984 21.4% Kotak MahindraPrime 251 11,745 22.8% Kotak Mahindra Investments 135 4,483 51.0% Kotak Infrastructure Debt Fund 15 662 40.2% BSSSonata Microcredit* 36 1,328 As at Bank & Other Lending Related Entities 4,649 164,202 11.4% 30th Sep, Kotak Securities 348 12,418 5% 2026 Kotak MahindraCapital 80 3,778 Capital Market 428 16,196 10.6% Kotak MahindraLifeInsurance 198 6,999 Insurance 198 6,999 11.4% Kotak AMC andTC 287 5,200 Kotak Alternate Asset Managers 87 1,696 Bank & Other Lending Related Entities InternationalSubs 11 2,743 Capital Market Asset Management 385 9,639 16.2% Insurance Others 2 118 5.3% Asset Management & Others Bank & Subsidiaries 5,662 197,154 Associates 11 455 Inter co.Adjustments (28) (2,903) Total 5,645 194,706 11.7% Networth represents Capital & Reserves and Surplus *Formerly known as BSS Microfinance Limited This is a Confidential document. Kotak Group - Customer Assets Under Management Total: ₹ 814,118 cr 8% Total: ₹ 756,964 cr Domestic MF Equity Domestic MF Debt 362,694 Domestic MF Equity Domestic MF Debt 196,886 412,008 203,671 30th Sep, 30th Sep, 2026 2025 NPS & PMS NPS & PMS 16,947 13,203 Offshore Funds Offshore Funds 47,966 39,763 Alternate Asset* Alternate Asset* 37,035 Insurance# 44,985 Insurance# 104,694 91,230 *Include undrawn commitments, wherever applicable | # Policyholder’s AUM 7 .tnemucod laitnedifnoC a si sihT Bank Highlights Q2FY27 PAT ₹ 4,212 cr 29% NIM 4.31% ROA 1.92% Cost / Income 45.2% Credit Cost* 0.35% Q2FY26 ₹ 3,253 cr [Showing first 8,000 characters — download PDF for full document]