IndusInd Bank Limited

₹2,72,754

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹2,72,754 crs Loans Diversified Across Products and Geographies ₹ 3,25,278 crs Deposits 33 mn Customers Acr

₹ 3,25,278

tely Large Distribution Network ₹2,72,754 crs Loans Diversified Across Products and Geographies ₹ 3,25,278 crs Deposits 33 mn Customers Across Segments 6,352 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: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR G

16.47%

& Contingency Buffers Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 2.06% | NNPA 0.62

1.54%

ffers Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 2.06% | NNPA 0.62% 4.27% Net Int

117%

Strong Profitability amongst highest in the Industry 18.01% CRAR Tier 1: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 2.06% | NNPA 0.62% 4.27% Net Interest

71%

y 18.01% CRAR Tier 1: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 2.06% | NNPA 0.62% 4.27% Net Interest Margin 43.91% 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

Use Cases

1

Multiple products

1

Segment-wise Yield

Corporate Banking Consumer Banking Total Q3FY23 Q2FY23 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 1,27,010 1,45,744 2,72,754 8.57% 14.50% 11.75% 1,21,766 1,38,363 2,60,129 8.20% 14.34% 11.51% •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 Q3FY23 Q3FY22 Y-o-Y(%) Q2FY23 Q-o-Q(%) 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 201 249 619 248 604 20 1,941 136 2,077 188 228 388 239 382 94 1,519 358 1,877 7% 9% 59% 4% 58% (78%) 28% (62%) 11%          189 268 559 307 532 17 1,872 139 2,011 6% (7%) 11% (19%) 13% 20% 4% (2%) 3%          71% CONSUMER BANKING 22% CORPORATE BANKING 7% TRADING & OTHER INCOME Fee Income Mix 21 lnduslnd Bank Operating Profit Margins Amongst the Highest in Industry Net Interest Ma

Domestic Rating

GDR issue 8.19% NRIs/ Director/ Others 1.92% Individuals 6.87% Private Corporates 4.46% * FIIs 41.12% * Includes FPIs Promoters 15.16%  CRISIL AA for Additional Tier 1 Bonds program  CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds MFs / Banks/ Insurance Co 22.28%  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 ~1,34,000 Villages Covered 6,352 Group Network ~ III - 2,894 ATMs Particulars Dec 31, 2021 Mar 31, 2021 Jun 30, 2022 Sep 30, 2022 Dec 31, 2022 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,103 2,778 825 2,861 2,265 2,795 816 2,767 2,286 2,836 817 2,783

Multiple products

Personal loans • Deposits • Credit Cards • Consumer Finance • Indexed AUM (Assets + Liab) 5.3X 531 100 Q3'2 2 Indexed Client Base Q3'2 3 3X 297 100 Q3'22 Q3'23 lnduslnd Bank Digital Stack for Individuals: Stack getting increasingly robust to drive superior customer experience and DIY, STP & BaaS agenda Indus Mobile • Mobile Banking ~60% YoY reduction in frauds through various product enhancements Integration of new event based engagement stack: Mo-Engage Indus easy CREDIT Credit Cards Co-browsing enabled for CC DIY to increase lead conversion and tele-sales staff productivity by ~20% Enabled ‘APIs in a Box’ and enabled fintech partnerships to drive new business via easycredit • • Indus easy CREDIT Personal Loans • Migration of personal loans to easycredit • • • Instant real time decisioning Lower processing cost by ~70% 70+ offline channel partners and 2,700+ sales team members enabled on easycredit for PL Real-time email / download feature for CASA & CC statements • Overall 35%+ QoQ g