Established in 1985, the Kotak Mahindra group has been one of India's most reputed financial conglomerates.

In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). This approval created banking history since Kotak Mahindra Finance Ltd. is the first non-banking finance company in India to convert itself in to a bank as Kotak Mahindra Bank Ltd. Today, we are one of the fastest growing bank and among the most admired financial institutions in India. Our Reach Kotak Mahindra Bank has over 335 branches and 803 ATMs, which are spread all over India, not just in the metros but in Tier II cities and rural India as well, we are redefining the reach and power of banking. Our Offerings Know more | Hide We cater to the myriad needs of Resident Individuals, NRIs and Businesses. We offer complete financial solutions for infinite needs of all individual & non-individual customers depending on the customer's need - delivered through a state of the art technology platform. Investment products like Mutual Funds, Life Insurance, retailing of gold coins and bars etc are also offered. The Bank follows a mix of both open and closed architecture for distribution of the investment products. All this is backed by strong, in-house research on Mutual Funds. Our Savings Account goes beyond the traditional role of savings, and allows you to put aside a lot more than just money. The worry-free features of our Savings Account provides a range of services from funds transfer, bill payments, 2-way sweep through our ActivMoney feature & much more. You can place standing instructions for investment options that can be booked through Internet or through Phone banking services. The Savings Account thus provides for attractive returns earned through a comprehensive suite products and services that offer investment options, all delivered seamlessly to the customer by well integrated technology platforms. Apart from Phone banking and Internet banking, the Bank offers convenient banking facility through Mobile banking, SMS services, Netc@rd, Home banking and BillPay facility among others. The Depository services offered by the Bank allows the customers to hold equity shares, government securities, bonds and other securities in electronic or Demat forms. Our Salary 2 Wealth offering provides comprehensive administrative solutions for Corporates with features such as easy and automated web based salary upload process thereby eliminating the paper work involved in the process, a dedicated relationship manager to service the corporate account, customized promotions and tie - ups and many such unique features. The whole gamut of investment products and investment advisory services is available to the salary account holders as well. For the business community, we offer comprehensive business solutions that include the Current Account, Trade Services, Cash Management Service and Credit Facilities, keeping in mind the

myriad needs of your business.. Our Wholesale banking products offer business banking solutions for long-term investments and working capital needs, advice on mergers and acquisitions and equipment financing. To meet special needs of the rural market, we have dedicated business offerings for agricultural financing and infrastructure. Our Agriculture Finance division delivers customised products for capital financing and equipment financing needs of our rural customers. For financial liquidity we offer you loans that meet your personal requirements with quick approval and flexible payment options. To complete the personal financial offerings space, we now offer Kotak Credit Card which is a hassle-free, transparent product that also happens to be the first vertical credit card in the industry. Kotak Mahindra Bank addresses the entire spectrum of financial needs of Non-Resident Indians. Our tie-up with the Overseas Indian Facilitation Centre (OIFC) as a strategic partner gives us a platform to share our comprehensive range of banking & investment products and services for Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs). Our Online Account Opening facility and Live Chat service helps you to get in touch with us at the comfort of your homes and at your convenience. These offerings are specifically designed to suit the overseas Indian's personal financial needs and give the global Indians a near to home feel.

Management
Mr. Uday S. Kotak
Executive Vice Chairman and Managing Director Mr. Uday Kotak, is the Executive Vice-Chairman and Managing Director of the Bank, and its principal founder and promoter. Mr. Kotak is an alumnus of Jamnalal Bajaj Institute of Management Studies. In 1985, when he was still in his early twenties, Mr Kotak thought of setting up a bank when private Indian banks were not even seen in the game. First Kotak Capital Management Finance Ltd (which later became Kotak Mahindra Finance Ltd), and then with Kotak Mahindra Finance Ltd, Kotak became the first non-banking finance company in India's corporate history to be converted into a bank. Over the years, Kotak Mahindra Group grew into several areas like stock broking and investment banking to car finance, life insurance and mutual funds. Among the many awards to Mr Kotak's credit are the CNBC TV18 Innovator of the Year Award in 2006 and the Ernst & Young Entrepreneur of the Year Award in 2003. He was featured as one of

the Global Leaders for Tomorrow at the World Economic Forum's annual meet at Davos in 1996. He was also featured among the Top Financial Leaders for the 21st Century by Euromoney magazine. He was named as CNBC TV18 India Business Leader of the Year 2008 and as the most valued CEO by businessworld in 2010.

Mr. C Jayaram
Joint Managing Director Mr. C. Jayaram, is a Joint Managing Director of the Bank and is currently in charge of the Wealth Management Business of the Kotak Group. An alumnus of IIM Kolkata, he has been with the Kotak Group since 1990 and member of the Kotak board in October 1999. He also oversees the international subsidiaries and the alternate asset management business of the group. He is the Director of the Financial Planning Standards Board, India. He has varied experience of over 25 years in many areas of finance and business, has built numerous businesses for the Group and was CEO of Kotak Securities Ltd. An avid player and follower of tennis, he also has a keen interest in psephology.

Mr. Dipak Gupta

Joint Managing Director An electronics engineer and an alumnus of IIM Ahmedabad, Mr. Gupta has been with the Kotak Group since 1992 and joined the board in October 1999. He heads commercial banking, retail asset businesses and looks after group HR function. Early on, he headed the finance function and was instrumental in the joint venture between Kotak Mahindra

and Ford Credit International. He was the first CEO of the resulting entity, Kotak Mahindra Primus Ltd.

Kotak Kotak Mahindra Bank announces Q3 FY11 Results

Bank PAT for Q3FY12 up 47% to 276 cr. Consolidated PAT for Q3FY12 up 21% to 463 cr.
Mumbai, January 23, 2012: The Board of Directors of Kotak Mahindra Bank ('Kotak Bank') took on record the unaudited standalone and consolidated results for Q3FY12, at the board meeting held in Mumbai, today. Consolidated results at a glance Consolidated PAT 463 cr. in Q3FY12 up 21% from 384 cr. in Q3FY11. Consolidated PAT for 9MFY12 up 22% to 1,311 cr. from 1,075 cr. in 9MFY11. Consolidated advances up 32% to 52,847 cr. as on December 31, 2011 from 40,096 cr. as on December 31, 2010. Consolidated quarterly annualised NIM for Q3FY12 stood at 4.7% (Q3FY11 5.0%). Some of the key consolidated ratios are as under:
As on Networth ( cr.) Dec 31, 2011 12,416 Dec 31, 2010 10,502 Sep 30, 2011 11,893

Book value per share (`) - Face value 5 Net Interest Margin # (%)

167.9

142.6

161.0

4.7%

5.0%

4.8%

# Annualised for the quarter Details of the entity wise profit after tax are as under:
cr. Kotak Mahindra Bank (Standalon e) Q3FY1 Q3FY1 Q2FY1 9MFY1 9MFY1 FY1 2 1 2 2 1 1

276

188

260

788

570 818