IndusInd Bank Limited

₹3,15,454

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹3,15,454 crs Loans Diversified Across Products and Geographies ₹ 3,59,548 crs Deposits 37 mn Customers A

₹ 3,59,548

tely Large Distribution Network ₹3,15,454 crs Loans Diversified Across Products and Geographies ₹ 3,59,548 crs Deposits 37 mn Customers Across Segments 6,657 Group Network Pan India Universal Banking A

39%

iversal Banking Approach with Diversified Loan & Deposit Mix 55:45 Loan Mix Retail VS Wholesale 39% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%

93%

39% 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 3% 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 3% of the Loan Book Robust Balance Sheet with Strong Capital Ad

3%

Cycles Vehicle Finance 26% of the Loan Book Micro Finance 11% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers Strong

18.21%

ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 18.21% CRAR Tier 1: 16.75% | Tier 2: 1.46% 117% Average LCR Well above regulatory requirement 71% PCR G

16.75%

& Contingency Buffers Strong Profitability amongst highest in the Industry 18.21% CRAR Tier 1: 16.75% | Tier 2: 1.46% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 1.93% | NNPA 0.57

1.46%

ffers Strong Profitability amongst highest in the Industry 18.21% CRAR Tier 1: 16.75% | Tier 2: 1.46% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 1.93% | NNPA 0.57% 4.29% Net Int

117%

Strong Profitability amongst highest in the Industry 18.21% CRAR Tier 1: 16.75% | Tier 2: 1.46% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 1.93% | NNPA 0.57% 4.29% Net Interest

71%

y 18.21% CRAR Tier 1: 16.75% | Tier 2: 1.46% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 1.93% | NNPA 0.57% 4.29% Net Interest Margin 46.88% Cost to Income 5.2% 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 Q2FY24 Q1FY24 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 1,43,154 1,72,300 3,15,454 8.97% 14.84% 12.30% 139,437 161,880 301,317 8.99% 14.76% 12.24% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 21 Diversified and Granular Fee and Other Income Streams ₹In crs Q2FY24 Q2FY23 Y-o-Y(%) Q1FY24 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 234 227 681 367 593 18 2,120 162 2,282 189 268 559 307 532 17 1,872 139 2,011 24% (15)% 22% 19% 11% 3% 13% 17% 13%          233 262 637 382 588 17 2,119 91 2,210 1% (13)% 7% (4)% 1% 3% - 77% 3%          74% CONSUMER BANKING 19% CORPORATE BANKING 7% TRADING & OTHER INCOME Fee Income Mix 22 Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.24% 4.27% 4.28% 4.29% 4.

Domestic Rating

 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  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 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 Sep 30, 2022 Dec 31, 2022 Mar 31, 2023 June 30, 2023 Sep 30, 2023 ~37 mn Customer Base 6,657 Group Network ~1,43,000 Villages Covered 2,903 ATMs Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 2,320 2,978 805 2,807 2,384 3,176 792 2,894 2,606 3,303 582 2,878 2,606 3,394 561 2,875 2,631 3,492 534