KOTAKBANK

Focus on deposit growth

1. Strong loan growth momentum Kotak Mahindra Bank continues to report healthy growth across: Retail loans Corporate lending SME financing Commercial vehicle finance Credit demand remains strong across key segments. 2. Focus on deposit growth The bank is actively focusing on increasing its deposit base, especially CASA deposits. Deposit mobilization remains a key priority amid intense competition in the banking sector. 3. Digital banking expansion Kotak continues investing in: Digital banking platforms Mobile banking AI-driven customer services Digital payments ecosystem Technology-led customer acquisition remains a major strategic focus. 4. Asset quality remains robust The bank continues to maintain healthy asset quality with low NPAs compared to industry averages. Collection efficiency and risk management remain key strengths. 5. RBI restrictions lifted – positive sentiment Earlier regulatory restrictions on onboarding new customers through digital channels have been resolved, allowing the bank to resume full-scale digital customer acquisition. This is viewed as a positive long-term development for growth. 6. Subsidiaries performing well Kotak's businesses in: Asset Management Securities Broking Investment Banking Insurance continue contributing to overall profitability and diversification.