Kotak - Concentrated India; Diversified Financial 
   Services
                                                                        KOTAK MAHINDRA 
                                                                                      BANK
                                                                       Commercial Bank & Holding 
                    Kotak                        Kotak                              Company                      Kotak 
                   Mahind                                                      Kotak                                                              Kotak 
                                                   Mahindra                          Investmen                  Mahindra                          Securities
                       ra                          Investment                        t  Advisors                Capital 
                     Prime                         s                                                            Company                        ∞  Stock 
                                               ∞                              ∞ Alternate                      ∞ 
            ∞  Car                             Investments                    Assets                              Investme                     Broking
            Finance                            ∞ Lending                                                          nt                           ∞  E Broking
            ∞  Other                                                                                              Banking                      ∞ Distribution
                    Kotak 
            Lending                            Kotak                           Kotak                            Kotak                             Kotak 
                 Mahindra                    Mahindra                                  Mahindr                   Mahindra  
                Old Mutual                                                                                                                      Mahindra  
                     Life                    General                                   a  AMC                    Pension                        Trustee 
                                             Insurance                                                         ∞ Pension 
                                             ∞  General                                                          Fund                           Company
                 Insurance                                                    ∞ Mutual                                                          ∞  Trustee 
                                             Insurance                        Fund                             Funds                            Company
           ∞  Life Insurance                  Kotak                                                                    Kotak 
              Kotak                                                            Kotak                                                              Kotak 
            Mahindra                            Mahindra                                Mahind                      Mahindra                               Mahind
            Financial                           Internation                             ra  UK                         Asset                               ra  Inc
            Services                            al                          ∞  Asset                             Management                    ∞ 
              ∞  Advisory                       ∞  Advisory                                                       (Singapore)
                Services                          Services                  Management                                                         Broker/Dealer
           for Middle East                  ∞ Investments                   ∞ Broking                                ∞  Asset 
                                                                                     Kotak                       Management
                                                    Kotak                                                         IVFSL 
                                                                               Infrastructure                          Financial  
                                                Mahindra                           Debt Fund                           Services
                                               Trusteeship                           Limited
                                         ∞  Trustee                                                              ∞ 
                                                  Services
                                                                               ∞  Infrastructure                 Distribution
                                         Company                                Fun
                      Note: All subsidiaries are fully owned beneficially by the Bank except for KMOM Life Insurance where Group holds 74% & Old Mutual Plc (Old              2
                                                 th                             d      Debt
                      Mutual) holds 26%.  On 27 April, 2017 , Kotak Mahindra Bank has executed an SPA with Old Mutual Plc to acquire 26% stake in KMOM Life 
                      Insurance subject to regulatory approvals.
 The Journey So 
 far…                                                       Acquired  
         Bill   Investme     Mutua               Alternat Scheme of  
       Discou     nt            l     Securitie      e      Pinebridge 
       nt         Banking    Fund     s           Assets       MF
         198       199        199        200       200        201
         5         1          8          1         4          4
              199       199        200        200       200        201
              0         2          0          3         8          5
             Auto        IP        Life      BAN        AR          ING 
            Financ       O       Insuranc    K          C          Vysya  
            e                       e                              Merger
                                                                  Kotak 
                                                                Mahindra
                                                                 General 
         2016 – Acquisition of BSS Microfinance Private Limited – Subject to RBI approval
                                                                Insurance
                              Rating for Bank, KMP, 
                              KMIL, KS
                                                                               3
  Present Across the Entire 
  Value Chain                                 Platform with Wide Product Portfolio
           Corporate Banking                Commercial Banking                 Consumer Banking                     Non-
           Banking
      ∞ Corporate Loans                 ∞ Agriculture  Finance           ∞ Auto Loans                      ∞ Mutual Funds
      ∞ Trade Finance                   ∞ Tractor Finance                ∞ Home loans, LAP                 ∞ Alternate Assets
      ∞ Commercial Real Estate          ∞ Business Banking               ∞ Personal Loans                  ∞ Off-shore Funds
      ∞ Infra Debt Finance (IDF)        ∞ Commercial Vehicles            ∞ Consumer Durable Finance        ∞ Life Insurance
      ∞ Forex/ Treasury                 ∞ Construction Equipment         ∞ Credit Cards                    ∞ General Insurance
      ∞ Cash Management                 ∞ Loan against Shares            ∞ Unsecured Business Loans        ∞ Investment Banking / 
                                                                                                               DCM
      ∞ Custody Business                ∞ Gold Loans                     ∞ Private Banking                 ∞ Broking
      ∞ Distressed Assets                                                                                  ∞ Asset Reconstruction
      ∞ Off-shore Lending
                                                 Deposits across all customer segments
                                                      Wide Customer Coverage
                                                                                                         ∞
                                                                                                            Private
                                   Ver                                                                      /  
                                   y             ∞ I-Banking                             HN                 Priority 
                                   Larg          ∞ Corporate banking                     I                   
                                   Larg          products                                                   Bankin
                                   e             ∞ Transaction banking
                                   e                                                   Aflue                g
                                                 ∞ Fund and Fee based                  nt                ∞
                                 Emergin         products                                                   Commerci
                                g                ∞ Salary accounts                   Mass                   al  
                                Corporat                                             Affluent               banking
                                es SM                                                    Mas             ∞  Consumer
                                   E                                                                     ∞ loans
                                                                                         s               ∞811LAS
                          Corporate &                                                 Individuals        ∞  Mutual 
                          Institutional                                                                  fund
                        Organisation structure and culture drives cross-sell and customer  cross-buying across various products
                                                                                                         ∞
                                                                                                         Insurance
                                                                                                                                        4
  Pan India 
  Presence
                                                                                      Branches 1,369 [No./%]
                                2
                                                                                                         Nort
                                  9                                                                      h
                                       *                                                               405/30
                             7
                             0          8                                                              %
                               4                                                                                          Eas
                               7 9                                                          Wes
                                  8                                                         t                               t
                                                                  1
                       5                   6                                            425/31                           82/6
                       5                   4                                   4
                                                         1               1              %                                  %
                                                         4                                                Sout
                                                                          1                               h
                  12               3                    8
                  9                6                           3
                                                1              6                                       457/33
                                                6                                        Branch Classification
                      2                               1                                                %
                                                      7
                            28
                            8
                                      8
                                      3
                         6                                  No of ATMs
                                     10
                            15       8
                            5
                                     7                              2,16
                               3     9   ^
                               2                                    3
                                                                                                                                       5
                                           * & ^ includes 7 & 2 branches in Chandigarh & Puducherry 
                                           respectively
  Integration of ING Vysya – 
  Success Story
                            Employee Interest &                                           Customer Experience
                            Satisfaction
                        ∞   Best man for the job                            ∞   Products & pricing alignment
                        ∞ Exhaustive training on products,                  ∞ Cross-network interoperability for 
                          processes,  systems                                  crucial  transactions
          Key          ∞   Culture harmonisation initiatives                ∞ Extensive customer communication on 
                       ∞   Cross-pollination of on-ground teams                integration  update & facilities
         Focu          ∞   Employee satisfaction surveys                    ∞   Smooth transition during systems migration
         s  
         Area           ∞ Phased approach to creating org.                  ∞   Continuity of items: Collaterals, A/c Number
         s                structure to  minimise disruption
                                                                                        Productivi
                                                             Greater                    ty
                                                             Penetrati                    ∞ Sweating combined  
                                 Cost                        on                             branch network
                                 Efficienc                                                ∞  Lower funding costs
                                 y                             ∞  SME, MNC &
                                                                 Transaction banking      ∞ Efficient operating  
      Distributi                                                 – deeper penetration       models                            Value 
      on                           ∞ Creating efficient org.  
                                      structure                                                                           extraction  
                                   ∞ Rationalising IT                                                                       through  
        ∞  Driving SA                 systems & infra                                                                      synergies
        ∞ Distribution of          ∞ Rationalising  
           Assets, Brokerage,         branches, premises, 
            Insurance, Asset           vendors
           mgmt. business
        ∞  Network effect
                                           Merger of ING Vysya Bank effective April 1,                                                     6
                                           2015