IndusInd Bank Limited

₹ 3,25,881

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹ 3,25,881 crs Loans Diversified Across Products and Geographies` ₹ 3,89,600 crs Deposits 42 mn Customers

₹ 3,89,600

ly Large Distribution Network ₹ 3,25,881 crs Loans Diversified Across Products and Geographies` ₹ 3,89,600 crs Deposits 42 mn Customers Across Segments 7,151 Group Network Pan India Universal Banking A

31%

iversal Banking Approach with Diversified Loan & Deposit Mix 60:40 Loan Mix Retail vs Wholesale 31% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%

93%

31% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 29% of the Loan Book Micro F

29%

igital Transaction Mix at 93% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 29% of the Loan Book Micro Finance 7% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust B

7%

g Domain Expertise Long Vintage across Cycles Vehicle Finance 29% of the Loan Book Micro Finance 7% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Ad

3%

s Cycles Vehicle Finance 29% of the Loan Book Micro Finance 7% of the Loan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy 17.10% CRAR Tier 1: 15.88% |

17.10%

oan Book Gems & Jewellery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy 17.10% CRAR Tier 1: 15.88% | Tier 2: 1.22% (Excluding H1 FY 26 PAT) 132% Average LCR Well above regulat

15.88%

llery 3% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy 17.10% CRAR Tier 1: 15.88% | Tier 2: 1.22% (Excluding H1 FY 26 PAT) 132% Average LCR Well above regulatory requirement 72%

1.22%

oan Book Robust Balance Sheet with Strong Capital Adequacy 17.10% CRAR Tier 1: 15.88% | Tier 2: 1.22% (Excluding H1 FY 26 PAT) 132% Average LCR Well above regulatory requirement 72% PCR GNPA 3.60% |

132%

th Strong Capital Adequacy 17.10% CRAR Tier 1: 15.88% | Tier 2: 1.22% (Excluding H1 FY 26 PAT) 132% Average LCR Well above regulatory requirement 72% PCR GNPA 3.60% | NNPA 1.04% Key Profitability M

72%

.88% | Tier 2: 1.22% (Excluding H1 FY 26 PAT) 132% Average LCR Well above regulatory requirement 72% PCR GNPA 3.60% | NNPA 1.04% Key Profitability Metrics 3.32% Net Interest Margin 66.22% Cost to

“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.”

Ref.

1

Segment-wise Yield

1

Domestic Rating

1

International Rating

1

Ref.

Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter and half year ended September 30, 2025 Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find enclosed herewith the Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter and half year ended September 30, 2025. This intimation is also being uploaded on the Bank's website at www.indusind.com. We request you to take the information on record. Thanking you, Yours faithfully, For IndusInd Bank Limited Anand Kumar Das Company Secretary Encl: a/a Solitaire Corporate Park Office: IndusInd Bank Limited, Building No.7, Ground floor, Solitaire Corporate Park, Andheri –Ghatkopar Link Road, Chakala Andheri (E), Mumbai – 400 093, India, Tel: (022) 66412442 Registered Office: 2401 Gen. Thimmayya Road, Pune 411001, India Contact us:(020) 2634 3201| Email us: reachus@indusind.com | V

Segment-wise Yield

Corporate Banking Consumer Banking Total Q2 FY26 Q1 FY26 Outstanding (₹ crs) Yield (%) Outstanding (₹ crs) Yield (%) 1,31,121 1,94,760 3,25,881 7.84% 13.45% 11.23% 1,32,421 2,01,273 3,33,694 8.44% 13.66% 11.62% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 22 Diversified Fee and Other Income Streams ₹ crs Q2FY26 Q2FY25 Y-o-Y(%) Q1FY26 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 204 138 326 346 515 14 1543 108 1,651 250 256 593 461 541 24 2,125 60 2,185 Fee Income Mix (18)% (46)% (45)% (25)% (5)% (42)% (27)% 80% (24)% 222 149 296 314 541 10 1,532 625 2,157 (8)% (8)% 10% 10% (5)% 40% 1% (83)% (23)% 72% CONSUMER BANKING 21% CORPORATE BANKING 7% TRADING & OTHER INCOME 23 Key Financial Indicators Net Interest Margin (%) Total Fee to Asset Ratio (%) 4.08% 3.93% 3.46% 3.32% 2.25% 1.7% 1.8% 1.6% 1.3%

Domestic Rating

NRIs/ Director/ Others 2.02% GDR issue 4.64% Individuals 10.77% Promoters 15.08% Private Corporates 5.09% FIIs 32.73% MFs / Banks/ Insurance Co 29.67% 32 ▪ CARE A1+ for Certificate of Deposits ▪ CRISIL A1+ for certificate of deposit program / short term FD programme ▪ CRISIL AA+ for Infrastructure Bonds program/Tier 2 Bonds ▪ ▪ IND AA+ for Issuer Rating by India Ratings and Research IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings and Research

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 Metrics Stable Asset Quality with Conservative Provisioning Healthy Capital Adequacy Diversified Distribution Network Executing Digital 2.0 Strategy ESG – Core to the Business Philosophy Experienced Board and Management Team 33 Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure ~42 mn Customer Base 7,151 Group Network ~1,64,000 Villages Covered 3,054 ATMs Particulars Sep 30, 2024 Dec 31, 2024 Mar 31, 2025 June 30, 2025 Sep 30, 2025 Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 3,040 3,746 304 3,011 3,063 3,772 300 2,993 3,081 3,796 297 3,027 3,110 3,804 297 3,052 3,116 3,738 297 3,054 Geographical Breakdown of Bran