Kotak Mahindra Bank Limited · NSE:KOTAKBANK
Kotak Mahindra Bank — Investor Presentation (August 2026)
28 slides from Kotak Mahindra Bank's investor presentation, Aug 17, 2026
Slide 1: Exchange cover letter for 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 KOTA
Slide 2: Kotak Mahindra Bank Investor Presentation August 2026
Kotak Mahindra Bank Investor Presentation August 2026
Slide 3: India Macro - Fundamentals Remains Strong
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
Slide 4: Kotak Mahindra Bank Overview
Kotak Mahindra Bank Overview 3
Slide 5: Kotak built on trust, governance, prudent risk management
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 stru
Slide 6: 40 years of transforming ambition into action
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) 5
Slide 7: Kotak - A Diversified Financial Conglomerate
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 Kotak Mahindra Prime Market Investment Banking Car and Two-Wheeler Loans Banking Kotak Mahindra Trusteeship
Slide 8: One Kotak
One Kotak As of 30th June 2026 Banking & Lending 4th ₹ 10.1 trn Largest Private ₹ 3.9 trn Sector Bank in Consolidated Market Cap# India* Balance Sheet Capital Markets ₹ 8.1 trn ₹ 6.5 trn ₹ 5.7 trn Consolidated Consolidated Bank Deposits Customer AUM Customer Assets Asset Management Protection 50 mn
Slide 9: Bank's Board of Directors
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 Pari
Slide 10: Kotak Mahindra Bank - Strategic Pillars
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 model
Slide 11: Pillar 1: Focus Customer Segments (Individual Customers)
Pillar 1 : Focus Customer Segments (Individual Customers) served through curated propositions HNI : Private Banking + Solitaire Core India : Kotak811 Proposition: Proposition: Group-wide holistic suite of offerings across full range of banking & insurance Serving Core India (a billion Indians) throu
Slide 12: Pillar 1: Focus Customer Segments (Non-Individual Customers)
Pillar 1 : Focus Customer Segments (Non-Individual Customers) served through curated propositions SME Institutional Proposition: Proposition: Relationship-led banking proposition for delivering end-to-end solutions across A fully integrated platform delivering balance-sheet, capital market and advis
Slide 13: Pillar 2: Independent Product Businesses within the Bank
Pillar 2 : Independent Product Businesses within the Bank Tractor Finance Commercial Vehicle / Construction Equipment Portfolio characteristics: Portfolio characteristics: • Highly granular, fixed-rate and secured book • Fixed-rate, secured lending with strong dealer / OEM ecosystems • Deep rural re
Slide 14: Pillar 3: Technology, Digital & AI
Pillar 3 : Technology, Digital & AI Operating backbone of Franchise Resilient, scalable and high-throughput Leveraging Data and Analytics Leveraging AI digital infrastructure • Near-zero downtime (FY 2025-26) across • Cloud-based data lakehouse with near • Customers: Voice automation, petabyte-scale
Slide 15: Kotak Mahindra Bank Financial Highlights
Kotak Mahindra Bank Financial Highlights 14
Slide 16: Key Ratios
Key Ratios Particulars FY26 FY25 Q1FY27 Q1FY26 NIM 4.60% 4.96% 4.53% 4.65% Cost of Funds 4.67% 5.10% 4.46% 5.01% Profitability Return on Equity 11.08% 12.57% 11.98% 10.94% Return on Assets 1.97% 2.21% 2.14% 1.94% Cost to Income 47.0% 47.2% 45.6% 46.2% Efficiency Cost to Assets 2.75% 3.02% 2.66% 2.83
Slide 17: Highlights - FY26
Highlights - FY26 FY26 PAT ₹ 14,008 cr 2% NIM 4.60% ROA 1.97% Cost / Income 47.0% Credit Cost 0.65% FY25^ 47.2% ₹ 13,720 cr 4.96% 2.21% 0.60% As at Customer Assets* Deposits CAR CET-I Mar’26 ₹ 545,716 cr ₹ 572,456 cr Net NPA 0.25% CASA Ratio 43.3% 14% 15% 22.4% 21.3% Mar’25 ₹ 477,855 cr ₹ 499,055 cr
Slide 18: Highlights - Q1FY27
Highlights - Q1FY27 Q1FY27 PAT ₹ 4,123 cr 26% NIM 4.53% ROA 2.14% Cost / Income 45.6% Credit Cost* 0.46% Q1FY26 46.2% ₹ 3,282 cr 4.65% 1.94% 0.93% As at Customer Assets# Deposits CAR^ CET-I ^ Jun’26 Net NPA 0.27% CASA Ratio 40.3% ₹ 570,901 cr 16% ₹ 572,820 cr 12% 22.8% 22.4% Jun’25 ₹ 492,972 cr ₹ 51
Slide 19: Profit and Loss Statement
Profit and Loss Statement Q1-o-Q1 ₹ cr FY26 FY25 Q1FY27 Q1FY26 growth% Net Interest Income 30,010 28,342 7,928 7,259 9% Other Income 11,623 11,418 3,338 3,080 8% Net Total Income 41,633 39,760 11,266 10,339 9% Operating Expenditure 19,566 18,754 5,135 4,775 8% Operating Profit 22,067 21,006 6,131 5,
Slide 20: Balance Sheet
Balance Sheet Q1-o-Q1 ₹ cr 31-Mar-26 31-Mar-25 30-Jun-26 30-Jun-25 growth% Capital & Reserves and Surplus 135,199 117,146 140,924 123,428 14% Deposits 572,456 499,055 572,820 512,838 12% Borrowings 32,475 48,443 25,840 21,148 22% Other Liabilities and Provisions 42,873 28,980 35,489 31,595 12% Total
Slide 21: Key Credit Highlights
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Slide 22: Strong Deposit Franchise
Strong Deposit Franchise Deposit Mix EOP (₹ cr) CASA % 43.3% 43.0% 40.3% 40.9% 3,24,733 2,84,639 3,41,803 3,03,193 13% 1,46,076 1,31,556 1,42,729 1,27,945 12% 1,01,647 82,860 88,288 8% 81,700 Mar-26 Mar-25 Jun-26 Jun-25 CA SA Term Deposits 21
Slide 23: Well Diversified Loan Book Across Retail And Institutional Banking
Well Diversified Loan Book Across Retail And Institutional Banking Q1-o-Q1 ₹ cr 31-Mar-26 31-Mar-25 30-Jun-26 30-Jun-25 30th June 2026 growth% Retail Banking 201,468 177,657 202,842 180,621 12% Home Loans & LAP 150,945 127,266 150,903 131,792 15% Retail PL, BL and Consumer Durables 25,672 24,818 25,
Slide 24: Healthy Asset Quality And Prudent Risk Management Capabilities
Healthy Asset Quality And Prudent Risk Management Capabilities ₹ cr 31-Mar-26 31-Mar-25 30-Jun-26 30-Jun-25 GNPA 6,018 6,134 6,122 6,638 GNPA (%) 1.20% 1.42% 1.18% 1.48% NNPA 1,263 1,343 1,358 1,531 NNPA (%) 0.25% 0.31% 0.27% 0.34% Total provisions (incl. specific) 7,254 6,961 7,340 7,440 PCR (%) 79
Slide 25: Strong Presence & Pan-India Reach Through A Large Distribution Network
Strong Presence & Pan-India Reach Through A Large Distribution Network Group Branches distributed across various geographies Bank Branch Classification Bank Branch Distribution (No. | %) (No. | % ) Network in India Branches Metro 1,063 | 46% North 732 | 32% Kotak Bank 2,301 Urban 491 | 22% East 195
Slide 26: ESG at Kotak
ESG at Kotak ENVIRONMENT SOCIAL GOVERNANCE • 21 LEED/IGBC-certified premises, housing 29% of the • Gender diversity target of 30%# by FY 2028-29 • ISO/IEC 27001 certified Information security management workforce^ • 33% Reduction in Complaint Resolution TAT$ system • Use of renewable energy at key c
Slide 27: Awards & Recognition
Awards & Recognition India’s Best Bank for Large Corporate & India’s India’s Best Best Private #1 Most Downloaded Best for Securities Transaction Bank Bank in India Banking App in India Services Euromoney Transaction Euromoney Private Sensor Tower Report Euromoney Awards for Banking Award, 2025 Bank
Slide 28: Disclaimer
Disclaimer Equity This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Kotak Mahindra Bank Limited (the “Bank”) and no part of it shall form the basis of or be relied upon in connect
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