IndusInd Bank Limited

₹2,47,960

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹2,47,960 crs Loans Diversified Across Products and Geographies ₹ 3,02,719 crs Deposits 32 mn Customers Acr

₹ 3,02,719

tely Large Distribution Network ₹2,47,960 crs Loans Diversified Across Products and Geographies ₹ 3,02,719 crs Deposits 32 mn Customers Across Segments 5,939 Branches/Outlets PAN India Network Universal

43%

iversal Banking Approach with Diversified Loan & Deposit Mix 54:46 Loan Mix Retail VS Wholesale 43% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 92%

92%

43% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 92% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro F

26%

igital Transaction Mix at 92% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro Finance 12% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust

12%

g Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro Finance 12% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Ad

4%

Cycles Vehicle Finance 26% of the Loan Book Micro Finance 12% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers Strong

18.14%

ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR G

16.55%

& Contingency Buffers Strong Profitability amongst highest in the Industry 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR GNPA 2.35% | NNPA 0.67

1.59%

ffers Strong Profitability amongst highest in the Industry 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR GNPA 2.35% | NNPA 0.67% 4.21% Net Int

124%

Strong Profitability amongst highest in the Industry 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR GNPA 2.35% | NNPA 0.67% 4.21% Net Interest

72%

y 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR GNPA 2.35% | NNPA 0.67% 4.21% Net Interest Margin 43.36% Cost to Income 5.7% Operating Prof

“Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”

Segment-wise Yield

1

Domestic Rating

1

International Rating

1

Segment-wise Yield

Corporate Banking Consumer Banking Total Q1FY23 Q4FY22 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 1,14,429 1,33,531 2,47,960 7.80% 14.33% 11.39% 1,09,463 1,29,589 2,39,052 7.73% 14.18% 11.29% 20 lnduslnd Bank Diversified and Granular Fee and Other Income Streams ₹In crs Trade and Remittances Foreign Exchange Income Distribution Fees (Third Party Products) General Banking Fees Loan Processing Fees Investment Banking Total Core Fee Income Securities/MM/FX Trading/Others Total Fee Income Q1FY23 Q1FY22 Y-o-Y(%) Q4FY22 Q-o-Q(%) 189 220 507 334 511 25 1,786 146 1,932 170 192 311 188 339 14 1,214 509 1,723 11% 15% 63% 78% 51% 79% 47% (71%) 12%          199 234 470 209 504 28 1,644 259 1,903 (5%) (6%) 8% 60% 1% (9%) 9% (44%) 1%          70% CONSUMER BANKING 22% CORPORATE BANKING 8% TRADING & OTHER INCOME Fee Income Mix 21 lnduslnd Bank Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.06% 4.07% 4.10% 4.20% 4.21% Total Fee to Ass

Domestic Rating

GDR issue 8.20% NRIs/ Director/ Others 3.61% Individuals 7.47% Private Corporates 4.19% * FIIs 42.07% * Includes FPIs Promoters 15.16% MFs / Banks/ Insurance Co 19.30%  CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds  CRISIL AA for Additional Tier 1 Bonds program  CRISIL A1+ for certificate of deposit program / short term FD programme    IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings and Research IND AA for Additional Tier 1 Bonds program by India Ratings and Research IND A1+ for Short Term Debt Instruments by India Ratings and Research

International Rating

 Ba1 for Senior Unsecured MTN programme by Moody’s Investors Service 30 lnduslnd Bank Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy ESG – Core to the Business Philosophy Experienced Board and Management Team 31 lnduslnd Bank Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure ~32 mn Customer Base ~1,33,000 Villages Covered 5,939 Branches/Outlets ~ III - 2,783 ATMs Particulars Jun 30, 2021 Sep 30, 2021 Dec 31, 2021 Mar 31, 2022 Jun 30, 2022 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets Total ATMs 2,015 2,385 821 5,221 2,870 2,015 2,665 827 5,507 2,886 2,103 2