Investor Presentation

August 17, 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, 974924, NSE KOTAKBANK, KMB29, KMB30 Code: 975387 Symbol: Dear Sirs, Sub: Investor Presentation Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) and with reference to our intimation dated August 12, 2026 regarding the Schedule of Institutional Investors / Analyst Meetings, we enclose herewith the Investor Presentation for the said Meetings. No unpublished price sensitive information is contained in the aforesaid Investor Presentation. This intimation, along with the Investor Presentation, is also being made available on the Bank’s website https://www.kotak.bank.in/en/investor-relations/governance/sebi-listing-disclosures.html in terms of the Listing Regulations. You are requested to take this intimation on record and disseminate the same on your websites. 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. Kotak Mahindra Bank Investor Presentation August 2026 This is a Confidential document. India Macro - Fundamentals Remains Strong • Indian economy remains as one of the fastest-growing • Inflation within RBI’s tolerance band of 4% ± 2% economies in world o FY27 expected inflation : ~5% o 3 years real GDP growth : Avg. 7.4% • Govt. on path of fiscal consolidation - Outlook: Constructive; ~7% o FY27 Fiscal Deficit : 4.3% of GDP o Domestic consumption - firm • FY27 Current account deficit (CAD) - comfortable at ~1.5% of GDP o Govt.’s focus - infra investment o GCC ecosystem & inward remittances - supportive o Credit growth ~19% • Healthy FX reserves of US$707 bn (~9 mths of import cover) o Corporate B/S robust o INR may face headwinds from global events o Banks’ NPAs at record-low levels ~1.8% Source: MOSPI, RBI, Union Budget, CEIC, Kotak Mahindra Bank estimates 2 This is a Confidential document. Kotak Mahindra Bank Overview This is a Confidential document. Kotak has been built on the ethos of trust, governance, prudent risk management practices, product expertise, innovation in its offerings and a talented management team with an entrepreneurial mindset. This confluence of elements has resulted in the creation of the robust financial conglomerate structure that it is today. This is a Confidential document. 40 years of transforming ambition into action International Rating : S&P : BBB; SACP : bbb+ Domestic Rating : AAA CET-I Ratio : 22.4% (30th June 2026) NIM : 4.53% (Q1FY27) Net NPA : 0.27% (30th June 2026) This is a Confidential document. Kotak - A Diversified Financial Conglomerate All subsidiaries are 100% beneficially owned by the Bank Kotak Securities Kotak Mahindra Bank Stock Broking Capital Kotak Mahindra Capital Company Market InvestmentBanking Kotak Mahindra Prime Car and Two-Wheeler Loans Banking Kotak Mahindra Trusteeship Services & other Kotak Mahindra Investments EstatePlanning &TrusteeshipServices Lending & Investments lending Kotak Mahindra Pension Fund related Kotak Infrastructure Debt Fund Pension Fund entities Infrastructure Financing Kotak Mahindra Asset Management MutualFund BSS Sonata Microcredit* Business Correspondent Kotak Alternate Asset Managers Alternate Assets Asset Management Kotak Mahindra (International), Kotak Mahindra Asset Kotak Mahindra Life Insurance Protection Management (Singapore), Pte, Kotak Mahindra (UK), Life Insurance Kotak Mahindra, Inc., Kotak Mahindra Financial Services 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 | *Formerly known as BSS Microfinance Limited 6 This is a Confidential document. One Kotak As of 30th June 2026 ₹ 10.1 trn Banking & Lending ₹ 3.9 trn Largest Private Consolidated Sector Bank in Market Cap# Balance Sheet India* Capital Markets ₹ 8.1 trn ₹ 6.5 trn ₹ 5.7 trn Consolidated Consolidated Bank Deposits Customer AUM Customer Assets Asset Management 112,000+ 5,916 Protection 50 mn Full-time Group Group Branch Bank Customers Employee Base Network in India^ *By Balance Sheet size as of 30th June 2026 | #as on 30th June 2026 | ^In addition, Bank branches are present in DIFC (Dubai) & GIFT City (Gujarat) and Kotak Securities network includes branches, franchises and referral coordinators This is a Confidential document. Bank’s Board of Directors Guardians of Trust • Former Chief Secretary, Govt. of Raj. (Retd. IAS) • Former Non-Executive Chairman of IL&FS (GOI appointed) • Former Consultant to the World Bank • Board Member of Kotak Mahindra Life Insurance C S Rajan Chairman – Independent Director Ashok Jaideep Paritosh Anup Uday Ashu Eli Ketaki Ramesh Amit Uday Vaswani Hansraj Kashyap Kumar Saha Shankar Suyash Leenaars Bhagwati Iyer Desai Kotak MD & CEO Executive Executive Executive Independent Independent Independent Independent Independent Non-Executive Non-Executive Director Director Director Director Director Director Director Director Director Director • Globally accomplished • Institution • Veteran • Accomplished • A Technology • Founder & CEO • Former • Senior Advisor • Former Vice • Leading Lawyer • Founder & former banking leader builder with 30+ banking leader with 32 Entrepreneur of Colossa Executive to Board of Chairman & MD • Board Member MD & CEO of Kotak with 35+ yrs of yrs of professional yrs of • Visionary creator Ventures LLP Board Member KPMG India – Mahindra of Kotak Mahindra Bank experience experience with 30+ yrs of experience, of Hotstar & Jio • Ex-MD & CEO of of ING Group • Former CIO in Finance Mahindra • Former Non-Exec. within Kotak experience incl. 25+ yrs in N.V. (MMFSL) • Ex-CEO of Cinema CRISIL Financial Trustee Chairman of IL&FS Group with Kotak BFSI Barclays Bank • Vice Chairperson • Ex- MD & • Former Group Institutions • Ex-Member of Company (GOI apptd.) UK; Ex-CEO of • Ex-MD & CEO • Ex-MD & CEO • Ex-MD & CEO of JioStar India Country Head of COO of Quintet Group at IFC Group Executive • Former Chairman - Citigroup Asia of Kotak of Kotak of Bajaj Fidelity’s Indian Private Bank • Former Board Board of M&M IBBI’s advisory Pacific Securities Mahindra Finance Ltd. • Former President Asset • Member of Member of Axis • Board Member committee on Investments of Walt Disney • Served on Co. Asia Pacific Management Trilateral Bank & Bayer of Kotak Corporate Boards of • Board Member of Commission CropScience Mahindra Prime, Insolvency & London Stock • Ex-Chairman of HUL & Tata Elxsi • Board Member • Board Member NOCIL, Sai Life Liquidation Exchange Group, Star India of Capital One of TransUnion Science • Ex-President of CII VISA (UK), • Board Member of Financial CIBIL • Non-Executive Barclays Africa GE Shipping & Corporation Chairman of GIFT- Group, Telenor & Apollo Health and City UK Finance Lifestyle This is a Confidential document. Kotak Mahindra Bank - Strategic Pillars Pillar 1 Pillar 2 Pillar 3 Focus Customer Independent Product Technology, Digital & AI Segment Propositions businesses within the Bank Identified four focus customer segments Built over time with dedicated distribution Operating backbone of the franchise models and distinct economics, enabling • High Net-Worth Individuals (Private • Resilient, scalable and high-throughput consistent risk-adjusted returns across asset Banking and Solitaire) digital infrastructure classes • Core I [Showing first 8,000 characters — download PDF for full document]