Emerging Corporate Brochure (ECG)

Emerging Corporate Group YOUR SEARCH TO MEET ALL YOUR BANKING NEEDS ENDS HERE Emerging Corporate GroupFor any further information, write to [email protected] or visit www.kotak.com, you can also SMS ECG to 5676788 or visit a Kotak Mahindra Bank branch. 9inch(w) x 8inch(h)_Close

Emerging Corporate GroupIndex Page 1 Page 31. Introduction Page 5 Page 72. About Kotak Group Page 113. Understanding your business needs Page 194. Kotak Advantages a. Our endeavour to serve you better b. Ease of doing business c. Our relationship benefits5. Our Offerings a. Short term working capital requirements b. Long term requirements c. Trade finance d. Forex & Derivatives e. Payment & collection solutions f. Salary2Wealth – Corporate Salary offering6. Awards & Accolades

Emerging Corporate GroupIntroductionA complete banking solution.That's what your business needs.The period or full stop is perhaps the most meaningful of punctuation marks. It signals the end of declarative sentences. It allowsfor any combination of carefully balanced thoughts or statements to be brought to completion. It allows for communication toflow with brevity, clarity and in a continuous uninterrupted, yet easily understood, manner.Kotak Mahindra Bank's Emerging Corporate Group serves the same role as the period or full stop for your never-ending bankingneeds. Our intent is to be a reliable & dependable partner. Our endeavour is to cater to all your needs, by providing you with abalanced range of benefits, services & conveniences for your business. Our goal is to help you to continue to do business, withoutinterruptions.We understand that today's emerging corporates are the multinationals of tomorrow.That is why the Emerging Corporate Groupacts as a partner to your growth and walks that extra mile with you, to support you.When you are running a business, you need abanking partner who can cut to the chase, understand you faster and deliver solutions quickly.The way we see it, it's about being easy to reach, easy to talk to and easy to do business with. It's about providing fresh,timely perspectives and making decisions quickly. It's about taking ownership of your requests, seeing things through anddemonstrating our commitment to your business. In conclusion, to do all of the above, it really is about always being therefor you. 1

Emerging Corporate GroupAbout Kotak GroupA solid & reliable banking partner.That's what your business needs.From its inception in 1985 to 2003, Kotak Mahindra Finance Limited grew to become one of India's leading financialconglomerates. But it was in 2003 when it became the first non-banking finance company in India to receive a banking license,with the conversion of Kotak Mahindra Finance Limited into Kotak Mahindra Bank Limited, that a truly solid and reliable bankingpartner for businessmen was born.Our expertise, our infrastructure & most importantly our commitment are geared to deliver pragmatic, functional andend-to-end solutions. In every aspect of our service, be it for business or individuals, the Kotak Group prides itself on being adependable partner.The Kotak Group has the industry experience and capabilities to cater to your changing aspirations.Our solutions are technology driven, contemporary and comprehensive, spanning Consumer Banking, Commercial Banking,Corporate Banking, Wealth Management, Retail and Institutional Equities, Asset Management, Life Insurance and InvestmentBanking.The Kotak Group further offers its clients a wide range of commercial finance and personal finance solutions. The Kotak Groupalso has one of the largest & most respected Wealth Management teams, providing solutions to high net worth individuals,entrepreneurs, business families and employed professionals. 3

Emerging Corporate GroupUnderstanding your business needsAn end-to-end understanding.That's what your business needs.Having evolved from being an emerging corporate to becoming a leading financial services provider, Kotak Mahindra Bank's EmergingCorporate Group is truly embedded in the Kotak DNA. Our evolution gives us an advantage in understanding the needs & concerns of theentire emerging corporate segment. It is this understanding which allows us to perform in your best interests.At the Emerging Corporate Group, we start by listening.When you bank with Kotak you immediately gain access to a team of professionalswho are dedicated to understanding all of your needs. Once we have gained a deep understanding of you, your business & your businessneeds, only then do we make recommendations about how we might be able to support you and further your success.Another key aspect of our end-to-end understanding is that we recognise the difficulties that any business faces when it has tocontinuously interact with different banks, for different needs.That is why we offer a “Sole-Banking model,” where all your banking needsare taken care of by us. We understand that providing you with the advantage of interacting with one point of contact to handle all yourbanking needs is a critical one.Unlike others, we also do not limit ourselves to evaluating your size as the sole criteria for determining the funding required by yourbusiness. We recognise that emerging corporates have varied needs and believe that by merely looking at size, greater opportunities toserve your needs may very well be missed.Our approach, therefore, combines the traditional size based approach with a more holistic need-based view.This interplay of our size andneed-based understanding actually results in customised solutions for different clients from different sectors: ranging from manufacturingto service to trading to others.We also believe that timely feedback is very important in order to maintain strong and fruitful working relationships and ensure that ourperformance actually matches our clients' needs. Therefore, our top management has regular interactions with our clients to ensure thatthere is an end-to-end consistency in performance, on our behalf. 5

Emerging Corporate GroupKotak AdvantagesA business-mindset banking partner.That’s what your business needs.With Kotak Mahindra Bank's Emerging Corporate Group there are many business advantages at your disposal. Our focus hasalways been to make it easier for you to do business, to save you precious time in all aspects of doing business and whereverpossible bring the advantages of our relationship to bear, by offering you any assistance that the Kotak Mahindra Group is ableto provide, based on your needs.Our endeavour to serve you better:• We review your business requirements based on overall performance and growth plans. The strength of our team is in understanding your needs and customising a solution for you• Our prime focus is on understanding the business model and related industry dynamics of your business to allow a strong relationship to be built• We evaluate relevant trends related to your industry to better understand growth in the past as well as future prospects• We believe in adding value to our relationship by offering you advisory services and financial solutions• Your needs are always given a priority. We have put in place a triple layer servicing system that ensures that all of your requirements are always looked into: - You will have a dedicated Relationship Manager, a single point of contact with whom you will primarily interact for all your banking requirements - You will have a dedicated Credit Manager, a person who will support your relationship manager, so that your needs and requirements are always understood better and solutions for your banking requirements are always found - You will have a Service Manager, an additional point of contact with whom you can interact with for all your routine service requirements 7

Ease of doing business: Emerging Corporate Group• With Kotak you enjoy better reach.We currently have over 500 branches & 1000+ ATMs spread across India and we are rapidly Our relationship benefits: expanding. Our correspondent bank tie-ups, with domestic and international banks, also allow us to manage your domestic as well as cross-border transactions seamlessly, even at the locations where we do not have our own branches Kotak has gone through the significant evolution cycle of being an emerging corporate to becoming a leading financial service provider. In our relationship, you will gain the advantage of all the learnings that we have made in the process of our evolution• With Kotak you can access a wider range of products and services, whenever you need. Our comprehensive portfolio includes and growth. working capital finance, medium term finance, export credit, transaction banking, custody services, debt capital markets and treasury services In our relationship, you will also benefit from our stronger understanding of any emerging corporate's needs. You will feel the empathy that we have for those who need to grow their business. But most of all, you will experience the advantage of having a• With Kotak you can expect a quicker response, because our belief in responding to your requests sooner ensures that your partner who knows how to help you face challenges and address your needs to suit your requirements the best. requirements are facilitated on time You will also discover that we recognise and appreciate the business-mindset that all entrepreneurs operate with.This allows us to tailor our approach to not only understand needs & requirements from your perspective but also offer suitable, timely and business friendly banking solutions that support and assist you to grow your business. 9

Emerging Corporate GroupOur OfferingsA wide, yet balanced, range of services.That's what your business needs.Whether your requirements are in the short term or long term, whether you require trade finance or forex services, whatever maybe the needs of an emerging corporate our focus is to enable you to do business with profit maximisation.With the assistance ofKotak Mahindra Bank's Emerging Corporate Group, you have a banking partner who not only knows when to help you, but howto help you.Short Term Working Capital Requirements:In business, things can change quickly – and expenses keep coming in even when the cash doesn't. Our Short Term WorkingCapital products offer your growing business a short-term capital injection, whenever you need it.We can work with you to takea good look at your operating cycle and find ways to make the most of money flowing through your business.• Cash Credit (CC) / Overdraft (OD): For your day-to-day working capital needs, you can avail of Cash Credit / Overdraft against your stock and trade debtors• Working Capital Demand Loan (WCDL): If your business goes through seasonal upswings in demand or you get an unexpected large order, our Working Capital Demand Loan facility will help you capitalise on this by meeting your temporary liquidity needs• Single Payment Gateway (SPG):A product which caters to the inventory financing requirement of your authorised dealer / distributor under a single payment gateway mechanism.The facility so approved to the dealer helps in smoothening and quickening the indenting and inventory procurement process 11

Long Term Requirements: Emerging Corporate GroupOur long term products help you to achieve your growth objectives, with funding that's tailored Import Services:to your timeline and cash flow. • Documentary collections • Direct Import Bills & Advance Import remittances• Term Loan (TL): You can avail of a Term Loan. This facility supports your capital • Arrangement of Buyers Credit / Suppliers Credit expenditure for setting up new facilities, expansion or renovation of existing facilities, or any other long term business requirements Export Services: • Export Bill Collection Services• Working Capital Term Loan (WCTL): You can avail of a Working Capital Term Loan. • Export LC Advising This facility can be used to cover working capital gaps caused due to a high conversion period or stock cycles • Export LC Confirmation generally, greater than a year • Packing Credit in Foreign Currency & INR • Post-Shipment Finance - Foreign Bills Negotiation /• Loan Against Property (LAP): You can avail of a Loan Against Property. This facility unlocks the potential of your valuable assets, by raising finance against property for your business or infrastructure requirements Purchase / Discounting / Advance against Collection Bills• Lease Rent Discounting (LRD): You can avail of a loan. By discounting the future rent receivables from the Domestic Services: leasing of your owned premises, this facility will enable you to leverage future rent receipts or lease rentals, to meet your • Bill Discounting current financial requirements • Supply Chain Management • Receivable FinancingTrade Finance: Other Facilities:Kotak Mahindra Bank is a strong domestic contender in the Inland & Cross Border Trade business. Our award-winning suite of • Foreign Currency Term LoansTrade Services caters to the complete spectrum of requirements for Importers & Exporters alike.With our consultative approach • Stand-by Letter of CredittoTrade Services & our significant geographical network, robust online infrastructure & multiple delivery channels, we are ideally • Bank Guaranteepositioned to partner any corporate in a quest for superiorTrade Banking. • Cash Management ServicesA wide range of services designed to meet your entire trade finance requirements: Other Services:• Branches specialised in Trade Services at all major business centres • Inward & Outward remittances• Strategic Correspondent Banking partnerships with major foreign banks across the globe • Capital Account transactions, including Foreign Direct Investments, Dividend Payments• Key transaction alerts on mobiles • Simplified bulk remittances in the form of specialised Global Bulk Payments (GBP) offering facilitated through Automated Clearing House (ACH) platform 13

Forex & Derivatives: Emerging Corporate GroupKotak Mahindra Bank is an active player in the Foreign Exchange Markets in India & caters to Online Treasury Services \"FXLive\":foreign exchange requirements of a wide range of customers including large conglomerates, • Book rates online for FX transactionsmulti-national corporations, foreign investors, small & medium enterprises & individuals. As • Instant information of all the transactions concludedpart of this business, the bank helps our customers in managing their foreign exchange & • Paperless Forward Deal Booking (online upload of underlying, online confirmation of Forward Deals)interest rate risks. The bank follows a multi layered filtering criteria while offering risk • Access Research Reportsmanagement solutions to our customers – overall regulatory framework, customer's riskmanagement framework & the Bank's own internal prudential framework. Payment & Collection Solutions:Our product portfolio can serve the requirements of various customer segments: CredIT: Collections or Receivables Management• Forward Contracts for short term as well as long term hedging• Different types of options for short term as well as long term hedging, varying from plain vanilla options to cost • Local Cheque Collections • Upcountry Cheque Collections reduction structures• Balance Sheet hedging derivatives like Currency Swaps, Interest Rate Swaps, etc. E-Collect: Electronic CollectionsHighlights of Treasury Services: • Electronic Clearing System Debit / Direct Debit /• Active dealing in the inter-bank market in major currencies (Spot & Forward) Standing instructions / Payment Gateway• Customised & practical solutions for managing specific client exposures• Fundamental & technical analysis of markets by a dedicated research team with timely reports covering key events from • Customised Cash Management Services Liquidity, Currency & Interest perspective Cash Collections:• Dissemination of international & domestic market information, regulatory changes, key macro events, currency & • Cash pick-up commodity news, etc. • Daily Management Information System• Continuous monitoring of exposure & timely information to customers• Simple & transparent documentation for various facilities Collections via Mobile - Immediate Payment Service (IMPS):• Well established correspondent banking relationships in many countries • IMPS is an immediate electronic fund transfer service facilitated through mobile phones. IMPS enables instantaneous fund transfer to any other person / entity having an account in any participating banks • IMPS can be effectively used for receivables management by corporates to eliminate physical cash & reduce the transit time of funds. Currently, this is available for up to ` 2 lakhs per day • IMPS is a 24x7, instant and secure mode of transfer 15

RemIT – Payments or Payables Management Emerging Corporate Group Benefits of Salary2Wealth:A comprehensive and hassle free payment solution for individual & multiple payments, to manage all your payments in thenature of salary, vendor payments, utility payment, dividend & interest payments. • Convenient channels of salary disbursement • Employee Reimbursement Account to eliminate cash handling for petty expenses• Physical Payments • Employee Car Lease Option extended through Kotak Mahindra Prime Ltd., a group company - Bulk Demand Draft issuance at 700+ Kotak & Correspondent Bank Locations • New Pension Scheme - Customised Advice printing with additional information captured for each payment • Pre-paid card options like Kotak Multi Currency World Travel Card, Best Compliments Card • SILK - Special Salary Savings programme for Women Employees• Electronic Payments • ActivMoney - which allows you to earn Fixed Deposit rates on idle balances - Seamless fund transfers between Kotak Mahindra Bank Accounts • Bill Pay option, Auto Pay, Home Banking and Office Banking features - Single File Upload for multiple payment modes – Cheques, DDs, NEFT, RTGS & IFT • Investment Account - which enables you to purchase and redeem Mutual Funds online - Warehousing of future dated transactions • Banking solutions for the employee's family through a Family Savings Account and the Junior AccountTax Payments: 17• We support offline (through branches) & online (through eTax module on Net Banking) modes for payment of taxesSalary2Wealth - Corporate Salary offering:Salary2Wealth is a comprehensive product suite to cater to the financial needs of the Salaried Segment by providing end-to-end solutions straddling four basic financial needs - Earning, Saving, Investing & Spending through:• Superior Banking Proposition• Customised Investment Services• Competitive Loans and Card products• Value Added Services

Emerging Corporate GroupAwards & AccoladesA banking partner focused on excellence.That's what your business needs.At Kotak Mahindra Group, we take a client-centric view and constantly innovate to provide you with the best of servicesand infrastructure. Our accolades, some of which are listed below, stand testimony to our success in this endeavour.1. Best Private Bank by Finance Asia Country Awards for Achievement 20132. Kotak Mahindra Bank's Board has been adjudged as one of the Best Managed Boards in the Aon Hewitt-Mint study of 20123. Awarded Gold in the “Best Local Trade Bank in India” category of Trade and Forfaiting Review Awards 20124. IR Global Ranking - one of the top 5 Best Ranked Companies for Corporate Governance Practices5. Forbes Asia's Fab 50 Companies in 2012 for the 3rd consecutive year (2010-12)6. Best Investment Bank in India 2012 (Seventh year in a row) by Finance Asia Country Awards7. Kotak Mahindra Bank has been rated amongst the Top 25 Best Employers in India for 3 consecutive studies conducted since 2007 by Aon Hewitt8. Best Private Bank, India by World Finance Banking Awards, 20129. Outstanding Private Bank, South Asia - Private Banker International Global Wealth Awards 201210. Winner in multiple categories by Euromoney Private Banking Survey 2013: a. Private Banking Services Overall, Globally - Among Top 25 b. Private Banking Services Overall, Asia - Among Top 10 c. Best Private Banking Services Overall - India d. Best Family Office Services Provider, India 19