614 th Branch & Celebrating 29 th Year of success

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2 THE JOURNEY SO FAR In October 2005, Kotak Group acquired the 40% stake in Kotak Prime held by Ford Credit International (FCI) and FCI acquired the stake in Ford Credit (FCKM) held by Kotak Group. In May 2006, Kotak Group bought 25% stake held by Goldman Sachs in Capital Company and Kotak Securities Alternate Assets ARC Anchor Investment in ACE BANK Auto Bill Finance Discounting IPO Invest ment Banking Mutual Fund Life Insurance KS 614 th Branch & Celebrating 29 th Year of success

3 THE KOTAK GROUP STRUCTURE Commercial Bank & Holding Company Capital Company Kotak Securities Investments Prime AMC Pension Fund Trustee Company Old Mutual Life Insurance* Investment Banking Stock Broking E Broking Distribution Investment Lending Car Finance Other Lending Mutual Fund National Pension Funds Trustee Company Life Insurance Financial Services Ltd. Kotak Investment Advisors International UK Inc Trustee Services Kotak Forex Brokerage Asset Management (Singapore) Advisory Services for Middle East Alternate assets Advisory Services Investments Asset Management Broking Broker / Dealer Trustee Company Forex Brokerage Asset Management Note: All companies are fully owned subsidiaries except K< Old Mutual Life insurance in which KMBL owns 74% 3

4 Wide National Footprint G EOGRAPHICAL P RESENCE OF KOTAK GROUP with Multiple Points of Presence Business Sept 30, 2014 Banking 641 Car Finance 74 International office situated at Abu Dhabi, Dubai, London, Mauritius, New York, Singapore Life Insurance 210 Securities 1,164 Mutual Fund 79 Total 2,168 All figures are as of September 30,

5 THE BOUQUET OF BENEFITS Specially for you Preferential features & discounted charges on your Savings Account. Refer to the Privy League Insignia general schedule of charges Rest assured Zero maintenance charges on your Demat & Savings account The Bank comes home to you Free home banking transactions Earn interest up to 6% p.a. on your Savings Account balance Earn Higher on Savings account balances Earn 5% p.a. for balances up to 1 lac and 6% p.a. on balances beyond 1 lac in your savings account Your security, our priority Get up to 75% discount on locker rentals Reducing hassles Free at-par cheque books SMS us at KPRIVY & we will handle your transactions Save with Term deposits, recurring deposits & SIPs The ultimate lifestyle complement Privy League Visa Signature Debit Card that s packed with lifestyle benefits Choose from a range of products Including business banking solutions & Loans 5

6 PRIVY LEAG UE SIGNATURE D EBIT CARD Accepted worldwide, this unique card comes with a flexible usage limit Default cash withdrawal and purchase limit of INR 3,00,000 & INR 4,50,000 respectively per day No fuel surcharge at any fuel station in India Visa Concierge Services to help you with booking flights, car rentals, hotels and much more 2 Quarterly complimentary access to VISA affiliated airport lounges Special Offers and Discounts at Merchant Outlets great deals at exclusive outlets in categories such as Lifestyle, Fine dining, Travel, Health and Fitness Complimentary insurance benefits on your card: Air accident insurance cover of INR 10,000,000 Lost card liability insurance of INR 400,000 Lost baggage insurance of INR 100,000 Purchase protection of INR 150,000 6

7 P RIVY LEAG UE SIGNATURE CREDIT CARD Complimentary Priority Pass membership worth USD 99. With this Priority Pass Membership, you get VIP access* to over 600 airport lounges spread across 100 countries. Complimentary PVR tickets in every quarter Reward Points: You now have the power to choose your Reward Plan (Shopping/Travel), which has been specially designed to suit your lifestyle. You can earn up to 10x reward points as per the reward plan Higher Credit Limits Low interest rate :You will enjoy a low monthly interest rate of 2.49%. Fuel Surcharge Waiver: Save 2.5% fuel surcharge across all petrol pumps in India Kotak PVR offer Buy 1 get 1 free on Saturdays VISA Signature offers: Block buster weekends. Buy 1 ticket & get 1 ticket free on Visa Airport lounge access For more information on VISA offers, please refer to the link: VISA Signature Credit Card Offers * This credit card is priced at an annual fee of Rs.5000/- which is waived off for insignia customers in the 1 st year. The above card benefits are not applicable from 2 nd year 7

8 P OWER OF KPRIVY Features Facilitates investment in Mutual funds, SIP, IPO, Term deposits, recurring deposits etc. along with other financial and non financial transactions Benefits Customer convenience to transact over telephone by sending an SMS to KPRIVY* *Applicable basis registered mobile number available with kotak bank. 8

9 KOTAK CAR LOANS KMPL* has tie ups with almost all car manufacturers / dealers in India including Toyota, Honda, Maruti Suzuki, Tata Motors, Hyundai, Volkswagen group, GM, Mahindra Renault Wide Geographical coverage Servicing customers across: 74 locations 15 States Attractive interest rates Flexible schemes Speedy loan processing * Offered by Prime Ltd, a kotak group company. 9

10 H OME LOANS Kotak Smart Home Exclusive product for Privy League Insignia Customers Disbursed in the form of Overdraft (up to 30% of Loan amount) and Term Loan (at least 70% of Loan amount) Why this product over an ordinary home loan? Utilizes the excess funds in your savings account, to save interest on your Home Loan. Competitive Rates Full Waiver of Non-utilization Charges on OD and Foreclosure Charges on HL Certificate of Interest and Principal paid on Loan under Section 24(b) of the Income Tax Act will contain the Interest paid in the Home Loan Account as well as Smart Home Account (OD) 10

11 G ENERAL INSURANCE We protect your valuable assets & your health from various uncertainties G ENERAL INSURANCE P RODUCTS Car Insurance + Add ons Mediprime Home Insurance *Insurance products in this slide and the next slide are tie-ups 11

12 LIFE INSURANCE Fund Facts : Entry Age : 0 65 yrs Maturity Age : 0 65 yrs Tenure : yrs Premium Mode : Annual/Qtly/Half Yearly/Monthly For a healthy 30 year old male, an investment of Rs 50,000 per month for a period of 15 years, will yield Rs 1,46,56,650, assuming that the fund grows by 8% every year Actual Fund Performances as on : 31-Aug-14 Fund Name 1 yr 3 yr 5 yr Since Inception Money Market 8.7% 8.9% NA 7.7% Dynamic Gilt Fund 11.2% 8.0% 7.4% 6.7% Dynamic Bond Fund 11.7% 8.6% 8.3% 8.2% Dynamic Floating 11.0% 9.7% 8.1% 7.5% Balanced Fund 31.2% 13.0% NA 9.8% Frontline Equity 47.1% 16.8% NA 10.9% Classic Opportunities 51.4% 17.4% NA 12.6% 12

13 FINANCIAL P LANNING P ROCESS Analysis of current financial position and explore all possible strategies Aim to understand financial position and Objective of the client Initial Meeting Analysis Regular reviews of investment portfolio and financial position Ongoing review Meetings Implementation Execution Services of your investments in accordance with your instructions Preparation Presentation Preparation of comprehensive Statement of Advice including the most appropriate strategy and investment recommendations Presentation of personalized Statement of Advice. Queries may be discussed with the Financial Planner Kotak Bank provides these services as a value-add service and does not charge any fees with regard to the same. However, Kotak Bank may earn distribution / commission / referral fees in respect of the products / services distributed /referred. 13

14 FINANCIAL G OALS Which financial goals are you planning for? Leading a comfortable Retired Life Children s Education Buying a Dream House Children s Marriage Vacation Planning Buying a Luxury Car 14

15 EXPEC TATIONS FROM A FINANCIAL P LAN Asset allocation Major purchases Cash Flow Insurances FINANCIAL PLAN Retirement Estate planning Education funding Networth Estate Planning services / Insurance services are provided by subsidiaries of Kotak Bank or through a third party. 15

16 INVESTING IN STOCK MARKETS FOR THE LONG TERM, PAYS Date BSE Sensex 1-Year Roll Ret. Ann. 3-Year Roll Ret. Ann. 5-Year Roll Ret. Ann. 10-Year Roll Ret. Ann. 15-Year Roll Ret. Ann. 31/12/1995 3, % 5.95% 24.28% 19.41% 22.48% 31/12/1996 3, % -2.67% 10.07% 19.37% 18.96% 31/12/1997 3, % -2.33% 6.94% 23.51% 20.04% 31/12/1998 3, % -0.59% -1.80% 16.44% 18.06% 31/12/1999 5, % 17.51% 4.97% 20.44% 21.42% 31/12/2000 3, % 2.77% 5.01% 14.24% 14.40% 31/12/2001 3, % 2.21% 1.12% 5.50% 12.95% 31/12/2002 3, % % -1.59% 2.59% 14.50% 31/12/2003 5, % 13.70% 13.82% 5.72% 15.56% 31/12/2004 6, % 26.47% 5.69% 5.33% 15.30% 31/12/2005 9, % 40.61% 18.78% 11.68% 15.73% 31/12/ , % 33.13% 33.39% 16.14% 14.08% 31/12/ , % 45.38% 43.10% 18.67% 14.63% 31/12/2008 9, % 0.88% 10.55% 12.17% 7.31% 31/12/ , % 8.19% 21.46% 13.30% 10.45% 31/12/ , % 0.36% 16.88% 17.83% 13.39% 31/12/ , % 17.01% 2.31% 16.82% 11.33% 31/12/ , % 3.61% -0.86% 19.10% 11.76% 31/12/ , % 1.06% 17.01% 13.73% 13.76% Min Returns % % -1.80% 2.59% 7.31% Max Returns 81.03% 45.38% 43.10% 23.51% 22.48% Average Returns 15.13% 10.58% 12.17% 14.32% 15.06% Standard Deviation 36.65% 15.74% 12.21% 5.89% 3.82% Source: Bloomberg 16

17 SIP THE CONCEPT Systematic Investment Plan (SIP) is a simple and time honored investment strategy for accumulation of wealth in a disciplined manner over long-term period. Simply, SIP is a vehicle or approach to invest a fixed amount in any fund/scheme at regular intervals. Such approach helps in investing across market phases (bull or bear), and thus the cost of investments get averaged over a period of time Systematic Investing means - Investing a fixed amount Investing for a continuous period Investing at regular intervals Rupee cost averaging 17

18 TECHNOLOGY & CONVENIENCE 18

19 FOR THE PRIVILEG ED FEW We believe in offering preferential pricing across products for our privileged customers Offering Insignia Plan s discounted rates Standard charges Mutual Fund purchase through Kotak Investment a/c 0.50% 1.40% Mutual Fund purchase through AMC forms 1.0% 1.75% Kotak Demat Account Investment Account maintenance charges Lifetime waiver on a/c maintenance charges Nil Annual charges INR 100 per quarter if there has been no transaction in the quarter^ Locker Charges Upto 75% discount Standard charges 19

20 FOR THE PRIVILEG ED FEW Offering Insignia Plan s discounted rates Standard charges Dedicated Service Relationship Associate Yes No Discount on issuance of Kotak World Travel Card Free No Discount Discount on issuance of Best Compliments Card Free No Discount Brokerage charges (offered by Kotak Securities) 0.025% (intraday) and 0.25% (delivery) Card Rates Preferential tariff on Forex Yes Card Rate Preferential rates for Car Loan (offered by Kotak Mahindra Prime) Yes Card Rate Preferential rates for Housing Loan Yes Card Rate 20

21 ASSISTING YOU IN YOUR LIFESTYLE P REFERENCES Your Privy League privileges extend to your immediate family too, so they can enjoy the same benefits that you do. Family members that can be grouped together are: Spouse, Parents, Mother / Father-in-Law, Children and Son/Daughter-in-Law, Grandchildren and Grand Parents. Get complimentary invites to the most happening events in your city - movies, plays, premieres, musical evenings, golf events, wine tasting sessions and much more, all based on your preferences Rediscover the joy of leisure weekend reading with a complimentary subscription to Privy League Select your very own lifestyle magazine 21

22 T H A N K Y O U 22