INDUSINDBKNSEQ2 FY23October 19, 2022

IndusInd Bank Limited

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Key numbers — 40 extracted
₹2,60,129
nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹2,60,129 crs Loans Diversified Across Products and Geographies ₹ 3,15,532 crs Deposits 33 mn Customers Acr
₹ 3,15,532
tely Large Distribution Network ₹2,60,129 crs Loans Diversified Across Products and Geographies ₹ 3,15,532 crs Deposits 33 mn Customers Across Segments 6,103 Group Network Pan India Universal Banking App
42%
iversal Banking Approach with Diversified Loan & Deposit Mix 53:47 Loan Mix Retail VS Wholesale 42% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%
93%
42% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro F
26%
igital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro Finance 11% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust
11%
g Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro Finance 11% 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 11% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers Strong
18.01%
ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.44% | Tier 2: 1.57% 125% Average LCR Well above regulatory requirement 72% PCR G
16.44%
& Contingency Buffers Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.44% | Tier 2: 1.57% 125% Average LCR Well above regulatory requirement 72% PCR GNPA 2.11% | NNPA 0.61
1.57%
ffers Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.44% | Tier 2: 1.57% 125% Average LCR Well above regulatory requirement 72% PCR GNPA 2.11% | NNPA 0.61% 4.24% Net Int
125%
Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.44% | Tier 2: 1.57% 125% Average LCR Well above regulatory requirement 72% PCR GNPA 2.11% | NNPA 0.61% 4.24% Net Interest
72%
y 18.01% CRAR Tier 1: 16.44% | Tier 2: 1.57% 125% Average LCR Well above regulatory requirement 72% PCR GNPA 2.11% | NNPA 0.61% 4.24% Net Interest Margin 43.86% Cost to Income 5.7% Operating Prof
Guidance — 1 items
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opening
“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.”
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Risks & concerns — 7 flagged
Shanker Annaswamy Non-Executive Independent Director Special Knowledge /Expertise Banking, Finance, Human Resource, Risk Management and Business Management.
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Information Technology, Human Resource, Risk Management and Business Management Dr T T Ram Mohan Non-Executive Independent Director Banking, Finance, Economics and Risk Management.
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Sumant Kathpalia Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Small Scale Industry Law and Accountancy Accountancy and Risk Management.
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Managing Director & CEO Banking and Accountancy, Risk Management and Business Management 42 Promoter in several small-scale ventures, primarily manufacturing concerns with 38 years of experience in ‘Small Scale Industries’ segment, Presently, a Senior Partner with M/s Crawford Bayley & Co., one of India’s oldest Law Firm.
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Rao Chief Risk Officer Head - Technology and Corporate & Global Market Operation Chief Human Resources Officer Head - Consumer Operations & Solution Delivery Mr.
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Managed multiple roles in area of Audit & Governance, Risk and Controls.
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Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein.
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Speaking time
Segment-wise Yield
1
Domestic Rating
1
International Rating
1
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1
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Opening remarks
Segment-wise Yield
Corporate Banking Consumer Banking Total Q2FY23 Q1FY23 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 1,21,766 1,38,363 2,60,129 8.20% 14.34% 11.51% 1,14,429 1,33,531 2,47,960 7.80% 14.33% 11.39% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 20 lnduslnd Bank Diversified and Granular Fee and Other Income Streams ₹In crs Trade and Remittances Foreign Exchange Income Cards and Distribution Fees General Banking Fees Loan Processing Fees Investment Banking Total Core Fee Income Securities/MM/FX Trading/Others Total Fee Income Q2FY23 Q2FY22 189 268 559 307 532 17 1,872 139 2,011 200 221 360 234 424 68 1,506 335 1,841 Fee Income Mix Y-o-Y(%) (6%)  21%  55%  31%  25%  (75%)  24%  (59%)  9%  Q1FY23 189 220 507 334 511 25 1,786 146 1,932 Q-o-Q(%) - - 22%  10%  (8%)  4%  (32%)  5%  (5%)  4%  71% CONSUMER BANKING 22% CORPORATE BANKING 7% TRADING & OTHER INCOME 21 lnduslnd Bank Operating Profit Margins Amongst the Highest in Industry Net Interest M
Domestic Rating
GDR issue 8.19% NRIs/ Director/ Others 2.07% Individuals 6.84% Private Corporates 3.88% Promoters 15.16% MFs / Banks/ Insurance Co 20.74% * FIIs 43.12% * Includes FPIs  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 ~33 mn Customer Base ~1,33,000 Villages Covered 6,103 Group Network ~ III - 2,807 ATMs Particulars Sep 30, 2021 Dec 31, 2021 Mar 31, 2021 Jun 30, 2022 Sep 30, 2022 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,015 2,665 827 2,886 2,103 2,778 825 2,861 2,265 2,795 816 2,767
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• View existing tokens • Suspend existing token • Delete existing token • Resume suspended token IBL Mobile+UPI transaction volumes increased ~2X 220 200 180 160 140 120 100 80 Indexed mobile transaction volumes 201 100 - Aug'21 Aug'21 ■ Aug'22 ■ Aug'22 Source: Indus Mobile - 70% of Bank’s service requests* processed straight through digitally via channels as self service IndusMobile monthly active users up 28% YoY Indexed mobile active client base 128 100 140 130 120 110 100 90 80 Q2 FY 22 Q2 FY 23 Q2 FY 22 ■ Q2 FY 23 ■ 93% of Bank’s transactions are digital lnduslnd Bank *Service Requests include account maintenance requests such as adhoc statements, PIN set / reset, card hotlisting, updation of address, email ID, etc. Requests processed digitally via channels excludes requests originated on Branch / ATM / Contact Centre and includes only self service 36 Whatsapp Banking & Chatbots Whatsapp Banking: Registered Base of 5.3 Mn - up 71% YoY Chatbots: Monthly active users up 120% YoY mil
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