IndusInd Bank Limited

₹3,27,057

nd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network ₹3,27,057 crs Loans Diversified Across Products and Geographies ₹ 3,68,793 crs Deposits 38 mn Customers A

₹ 3,68,793

tely Large Distribution Network ₹3,27,057 crs Loans Diversified Across Products and Geographies ₹ 3,68,793 crs Deposits 38 mn Customers Across Segments 6,772 Group Network Pan India Universal Banking A

38%

iversal Banking Approach with Diversified Loan & Deposit Mix 55:45 Loan Mix Retail VS Wholesale 38% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93%

93%

38% 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

17.86%

ong Capital Adequacy & Contingency Buffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.47% | Tier 2: 1.39% 122% Average LCR Well above regulatory requirement 71% PCR G

16.47%

& Contingency Buffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.47% | Tier 2: 1.39% 122% Average LCR Well above regulatory requirement 71% PCR GNPA 1.92% | NNPA 0.57

1.39%

ffers Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.47% | Tier 2: 1.39% 122% Average LCR Well above regulatory requirement 71% PCR GNPA 1.92% | NNPA 0.57% 4.29% Net Int

122%

Strong Profitability amongst highest in the Industry 17.86% CRAR Tier 1: 16.47% | Tier 2: 1.39% 122% Average LCR Well above regulatory requirement 71% PCR GNPA 1.92% | NNPA 0.57% 4.29% Net Interest

71%

y 17.86% CRAR Tier 1: 16.47% | Tier 2: 1.39% 122% Average LCR Well above regulatory requirement 71% PCR GNPA 1.92% | NNPA 0.57% 4.29% Net Interest Margin 47.4% Cost to Income 5.2% Operating Profi

“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

IndusWE Launch

1

Segment-wise Yield

Corporate Banking Consumer Banking Total Q3FY24 Q2FY24 Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%) 1,46,587 1,80,470 3,27,057 9.06% 15.07% 12.45% 1,43,154 1,72,300 3,15,454 8.97% 14.84% 12.30% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities 21 Diversified and Granular Fee and Other Income Streams ₹In crs Q3FY24 Q3FY23 Y-o-Y(%) Q2FY24 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 227 276 743 286 626 7 2,165 231 2,396 201 249 619 248 604 20 1,941 136 2,077 13% 11% 20% 15% 4% (65)% 12% 70% 15%          234 227 681 367 593 18 2,120 162 2,282 (3)% 22% 9% (22)% 6% (61)% 2% 43% 5%          69% CONSUMER BANKING 21% CORPORATE BANKING 10% TRADING & OTHER INCOME Fee Income Mix 22 Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.27% 4.28% 4.29%

Domestic Rating

Resident Individuals, 7.06% Domestic Private Corporates, 5.88% Director/ Others, 0.64% Foreign Corporates/ NRI, 1.50% GDR issue, 8.12% Promoters, 15.11% * FIIs/ FPIs, 39.01% MFs / Banks/ Insurance Co, 22.68% 31  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 Dec 31, 2022 Mar 31, 2023 June 30, 2023 Sep 30, 2023 Dec 31, 2023 ~38 mn Customer Base 6,772 Group Network ~1,53,000 Villages Covered 2,939 ATMs Branches/Banking Outlets BFIL Branches Vehicle Finance Marketing Outlets (IMFS) ATMs 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 2,903 2,728 3,577 467

IndusWE Launch

The Bank proudly unveils IndusWE, an Industry first revolutionary platform and community exclusively crafted for Women Entrepreneurs (WE). TNFD Pilot The Pilot programme with TNFD was successfully concluded with a comprehensive report shared. The detailed recommendations have also been implemented within the Bank IndusWE will empower women-owned businesses, with access to a range of carefully curated offers that will help meet not only banking requirements but also support to expand business through the 3 IndusWE Pillars - Learn, Connect and Grow. Alignment with Global Framework Insights from the report helped the bank evaluate needs and challenges, facilitating the initiation of nature-related risk reporting in alignment with TNFD's Global reporting framework. Employee Volunteering Programme In the first three quarters of FY24, under the Banks Employee Volunteering Programme, 2,920 volunteers participated in 36 activities, clocking 7,270 volunteering hours, well surpassing the target