IndusInd Bank Limited

₹3,01,317

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹3,01,317 crs Loans Diversified Across Products and Geographies ₹ 3,47,047 crs Deposits 35 mn Customers Ac

₹ 3,47,047

tely Large Distribution Network ₹3,01,317 crs Loans Diversified Across Products and Geographies ₹ 3,47,047 crs Deposits 35 mn Customers Across Segments 6,561 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

18.40%

ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 18.40% CRAR Tier 1: 16.89 | Tier 2: 1.51 132% Average LCR Well above regulatory requirement 71% PCR GNP

132%

Strong Profitability amongst highest in the Industry 18.40% CRAR Tier 1: 16.89 | Tier 2: 1.51 132% Average LCR Well above regulatory requirement 71% PCR GNPA 1.94% | NNPA 0.58% 4.29% Net Interest

71%

try 18.40% CRAR Tier 1: 16.89 | Tier 2: 1.51 132% Average LCR Well above regulatory requirement 71% PCR GNPA 1.94% | NNPA 0.58% 4.29% Net Interest Margin 45.86% Cost to Income 5.5% Operating Prof

1.94%

RAR Tier 1: 16.89 | Tier 2: 1.51 132% Average LCR Well above regulatory requirement 71% PCR GNPA 1.94% | NNPA 0.58% 4.29% Net Interest Margin 45.86% Cost to Income 5.5% Operating Profit Margin to Lo

0.58%

16.89 | Tier 2: 1.51 132% Average LCR Well above regulatory requirement 71% PCR GNPA 1.94% | NNPA 0.58% 4.29% Net Interest Margin 45.86% Cost to Income 5.5% Operating Profit Margin to Loans 2 Key F

“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 Q1FY24 Q4FY23 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 139,437 161,880 301,317 8.99% 14.76% 12.24% 134,150 155,774 289,924 8.89% 14.68% 12.02% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 21 Diversified and Granular Fee and Other Income Streams ₹In crs Q1FY24 Q1FY23 Y-o-Y(%) Q4FY23 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 233 262 637 382 588 17 2,119 91 2,210 189 220 507 334 511 25 1,786 146 1,932 23% 19% 26% 20% 15% (35)% 19% (37)% 14%          200 269 714 237 636 31 2,087 67 2,154 17% (2)% (11)% 61% (8)% (47)% 2% 37% 3%          73% CONSUMER BANKING 23% CORPORATE BANKING 4% TRADING & OTHER INCOME Fee Income Mix 22 Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.21% 4.24% 4.27% 4

Domestic Rating

GDR issue 8.18% NRIs/ Director/ Others 1.93% Individuals 7.37% Private Corporates 5.35% * FIIs 38.87% * Includes FPIs Promoters 15.14%  CRISIL AA for Additional Tier 1 Bonds program  CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds MFs / Banks/ Insurance Co 23.16%  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  CARE A1+ for certificate of deposit (CD) programme of IndusInd Bank Limited (IBL) by CARE Edge Ratings

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 Jun 30, 2022 Sep 30, 2022 Dec 31, 2022 Mar 31, 2023 June 30, 2023 ~35 mn Customer Base 6,561 Group Network ~1,38,000 Villages Covered 2,875 ATMs Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,286 2,836 817 2,783 2,320 2,978 805 2,807 2,384 3,176 792 2,894 2,606 3,303 582 2,878 2,606 3394 5