IndusInd Bank Limited

₹2,89,924

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹2,89,924 crs Loans Diversified Across Products and Geographies ₹ 3,36,120 crs Deposits 34 mn Customers Ac

₹ 3,36,120

tely Large Distribution Network ₹2,89,924 crs Loans Diversified Across Products and Geographies ₹ 3,36,120 crs Deposits 34 mn Customers Across Segments 6,491 Group Network Pan India Universal Banking Ap

40%

iversal Banking Approach with Diversified Loan & Deposit Mix 54:46 Loan Mix Retail VS Wholesale 40% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%

93%

40% 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

17.86%

ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.37% | Tier 2: 1.49% 123% Average LCR Well above regulatory requirement 71% PCR G

16.37%

& Contingency Buffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.37% | Tier 2: 1.49% 123% Average LCR Well above regulatory requirement 71% PCR GNPA 1.98% | NNPA 0.59

1.49%

ffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.37% | Tier 2: 1.49% 123% Average LCR Well above regulatory requirement 71% PCR GNPA 1.98% | NNPA 0.59% 4.28% Net Int

123%

Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.37% | Tier 2: 1.49% 123% Average LCR Well above regulatory requirement 71% PCR GNPA 1.98% | NNPA 0.59% 4.28% Net Interest

71%

y 17.86% CRAR Tier 1: 16.37% | Tier 2: 1.49% 123% Average LCR Well above regulatory requirement 71% PCR GNPA 1.98% | NNPA 0.59% 4.28% Net Interest Margin 44.93% Cost to Income 5.60% Operating Pro

“in crore) Net Relationship Value 28% CAGR 50,903 59,935 67,371 32,076 NRI Banking (Rs.”

“in crore) Deposits 21% CAGR 34,220 25,706 26,801 19,506 4,670 26% CAGR 6,653 9,372 7,907 FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 Affordable Housing (Rs.”

“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

Robust governance framework

1

Segment-wise Yield

Corporate Banking Consumer Banking Total Q4FY23 Q3FY23 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 134,150 155,774 289,924 8.89% 14.68% 12.02% 1,27,010 1,45,744 2,72,754 8.57% 14.50% 11.75% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 21 Diversified and Granular Fee and Other Income Streams ₹In crs Q4FY23 Q4FY22 Y-o-Y(%) Q3FY23 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 Other Income 200 269 714 237 636 31 2,087 67 2,154 198 233 470 209 504 28 1,642 261 1,903 - 15% 52% 13% 26% 11% 27% (74%) 13%         201 249 619 248 604 20 1,941 136 2,077 - 8% 15% (4%) 5% 52% 8% (51%) 4%         74% CONSUMER BANKING 23% CORPORATE BANKING 3% TRADING & OTHER INCOME Fee Income Mix 22 Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.20% 4.21% 4.24% 4.27% 4.28%

Domestic Rating

GDR issue 8.18% NRIs/ Director/ Others 1.96% Individuals 7.31% Private Corporates 4.95% * FIIs 38.73% * Includes FPIs Promoters 15.15%  CRISIL AA for Additional Tier 1 Bonds program  CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds MFs / Banks/ Insurance Co 23.72%  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

International Rating

 Ba1 for Senior Unsecured MTN programme by Moody’s Investors Service 31 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 32 Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure Particulars Mar 31, 2022 Jun 30, 2022 Sep 30, 2022 Dec 31, 2022 Mar 31, 2023 ~34 mn Customer Base 6,491 Group Network ~1,37,000 Villages Covered 2,878 ATMs Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,265 2,795 816 2,767 2,286 2,836 817 2,783 2,320 2,978 805 2,807 2,384 3,176 792 2,894 2,606 3,303 5

Robust governance framework

• • KYC Customer Consent & Data Privacy Data localization Information Security Digital Lending Guidelines Grievance Redressal Business Continuity • • • • • Indexed Client Acquisitions 1.8 X 176 100 Q4'22 1 Q4'23 2 Indexed AUM 5.3X3.7 X 372 100 Mar'22 1 Mar’23 2 User growth on Digital applications continues to show robust growth IndusMerchantSolutions awarded Best Merchant Acquirer of the Year Mobile Banking Indus Mobile Monthly Active Users Growth YoY indexed values +30% 100 130 Q4 FY'22 Q4 FY'23 • • Indus Merchant App went live with its offering for 6+ lacs Bharat Super Shop Merchant (BSS) Monthly active users growing strongly 54% QoQ Monthly Active Users (Indexed) 54% 154 Q4'23 100 Q3'23 38 Awarded Best Merchant Acquirer of the Year at the 10th Payments Industry Awards, 2023 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 C