INDUSINDBK

July 22, 2026 National Stock Exchange of India Limited (Symbol: INDUSINDBK) BSE Limited (Scrip Code: 532187) Luxembourg Stock Exchange Madam / Dear Sir, Sub.: Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 2026 Ref.: 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 ended June 30, 2026. This intimation is also being uploaded on the Bank's website at www.indusind.bank.in 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 | Visit us:www.indusind.bank.in CIN: L65191PN1994PLC076333 Investor Presentation Q1-FY27 | June 2026 July 22, 2026 Presentation Path 02 03 04 05 06 01 n o i e t i n c s s o n t o i a h P t a Executive m r o y t i l a g i l h g y t i d m r o Summary f r e u Q i H i u q f n I P s s t e s l a i c i L d y e K e n s A n a n a r e i n s l h i a u F t t O B i p a C 2 IndusInd Bank at a Glance 5th Largest Private Bank 3,26,274 4,14,766 42 mn 9,413 ₹ crs ₹ crs Loans Deposits Customers Touch Points Universal 50% 13% 37% 50% 2.6mn+ Offerings Retail SME Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 17.15% 71% 127% Sheet CRAR PCR Average LCR GNPA 3.25% | NNPA 0.95% Tier 1: 16.10% | Tier 2: 1.05% Key Profitability 2,773 1,037 0.78% ₹ crs ₹ crs Metrics Operating Profit Net Profit Return on Assets *Annualized 3 Highlights for Q1FY27 Avg Total Deposits: ↑ 1% QoQ Avg Total Loans: ↑ 3% QoQ Pivot towards growth from Avg Retail Deposits: ↑ 4% QoQ Avg Retail & SME Loans: ↓ 1% QoQ consolidation Balance Sheet Retail Deposit share: 49.5% vs. 47.9% QoQ Avg Wholesale Loans: ↑ 7% QoQ GNPAs: 3.25% vs 3.43% QoQ Net Security Receipts: 0.07% vs 0.08% QoQ Continued moderation in stress pools with lower slippages NNPAs: 0.95% vs 1.00% QoQ Restructured Book: 0.05% vs 0.06% QoQ Asset Quality PCR: 71% vs 71% QoQ SMA 1 & SMA2: 0.12% vs 0.17% QoQ Net Interest Margins (excluding one-offs) at 3.35% vs 3.46% YoY and 3.39% QoQ Operating Profit at Rs.2,773crs growing 8% YoY ad 21% QoQ Profit & Loss Consolidated Net Profit at Rs.1,037crs growing 72% YoY and 75% QoQ Building AI Powered Bank: 12,000+ employees trained; AI platforms support 15,000+ monthly users Other Updates 50+ ML models evaluate ~0.5mn loans monthly; risk models monitor ~42mn customers 4 Key Financial Metrics for Q1 FY27 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,26,274crs ₹ 4,14,766crs ₹ 43,864crs ₹ 64,798crs ₹ 5,54,926crs (2)% YoY 3% QoQ 4% YoY 4% QoQ (16)% YoY 3% QoQ 3% YoY 3% QoQ 3% YoY 2% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage Ratio Book Value Per Share 17.15% 0.95% 127% 71% ₹ 832 52bps YoY (33)bps QoQ (17)bps YoY (5)bps QoQ (10)% YoY 7% QoQ 124bps YoY (1)bps QoQ 3% YoY 3% QoQ Profit & Loss Net Interest Income Total Other Income Operating Profit Provisions & Contingencies Net Profit ₹ 4,685crs ₹ 1,787crs ₹ 2,773crs ₹ 1,384crs ₹ 1,037crs 1% YoY 7% QoQ (17)% YoY 4% QoQ 8% YoY 21% QoQ (21)% YoY (7)% QoQ 72% YoY 75% QoQ PPOP to Avg Loans Provisions to Avg Loans Return on Assets Return on Equity Earning Per Share 3.49% 1.74% 0.78% 6.26% ₹ 53.2 40bps YoY 56bps QoQ (38)bps YoY (16)bps QoQ 33bps YoY 32bps QoQ 255bps YoY 243bps QoQ 72% YoY 74% QoQ *All P&L ratios are annualized. 5 Consolidated Balance Sheet (End of Period) ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 66,049 64,736 2% 64,961 2% Deposits 4,14,766 3,97,144 4% 3,99,931 4% CA Deposits 34,620 33,892 2% 35,034 (1)% SA Deposits 87,440 91,113 (4)% 89,899 (3)% Borrowings 43,864 52,203 (16)% 42,789 3% Other Liabilities and Provisions 29,467 24,691 19% 34,934 (16)% Total 5,54,926 5,39,552 3% 5,43,394 2% Assets Cash and Balances with RBI 33,766 46,523 (27)% 29,946 13% Balances with Banks 32,835 16,449 100% 18,987 73% Investments 1,14,802 1,09,147 5% 1,25,007 (8)% Advances 3,26,274 3,33,694 (2)% 3,15,871 3% Fixed Assets 2,515 2,506 0% 2,546 (1)% Other Assets 44,733 31,234 43% 51,037 (12)% Total 5,54,926 5,39,552 3% 5,43,394 2% 6 Consolidated Profit and Loss Account ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Net Interest Income 4,685 4,640 1% 4,371 7% Other Income 1,787 2,157 (17)% 1,714 4% Total Income 6,471 6,797 (5)% 6,085 6% Operating Expenses 3,698 4,229 (13)% 3,790 (2)% Operating Profit 2,773 2567 8% 2,295 21% Provisions & Contingencies 1,384 1,760 (21)% 1,482 (7)% Profit /(Loss) before Tax 1,389 807 72% 813 71% Provision for Tax 352 203 73% 219 61% Profit/(Loss) after Tax 1,037 604 72% 594 75% 7 Presentation Path 01 03 04 05 06 02 n o i t i n y s s o r a t h o P i t m m u Business y t i l a g i l h g y t i d a m r o S u Q i H i u f n Performance q I e v t e l a i L y e i t s i c d K u s n n c A a a r e e n x l h i a E F t t O i p a C 8 Deposit and Loan Book Performance Deposit Mix – Average for the period (₹ crs) Loan Mix – Average for the period (₹ crs) 120% 3,94,0Y0o0Y QoQ 120% 3,35,000 YoY QoQ 3,92,000 3,30,000 100% 100% 3,90,000 3,88,000 3,25,000 35% 36% 35% 34% 36% 80% 80% 3,86,000 3,20,000 68% 70% 70% 70% 70% 3,84,000 60% 60% 14% 14% 14% 14% 13% 3,82,000 3,15,000 3,80,000 40% 40% 3,10,000 3,78,000 51% 51% 51% 52% 51% 3,76,000 20% 24% 23% 23% 22% 22% 20% 3,05,000 3,74,000 8% 7% 7% 8% 8% 0% 3,72,000 0% 3,00,000 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CA SA TD Retail SME Wholesale 9 0 % 0 % (7)% 2% ( 4 ) % ( 1 ) % (4)% 2% (3)% 7% 3 ,9 1 ,1 3 7 3 ,8 4 ,1 6 6 3 ,7 9 ,1 3 9 3 ,8 1 ,4 5 8 3 ,8 3 ,8 0 7 ( 7 ( ) 5 % ) % ( 5 ) % 0 % 3,33,071 3,25,015 3,19,860 3,12,909 3,18,564 ( 2 ) % 1 % Building a Granular and Cost-Efficient Liabilities Franchise Retail Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) 5% YoY 1,90,166 2,00,000 1,80,678 1,80,475 1,80,113 1,82,898 51.0% 6.44% 6.23% 1,80,000 49.0% QoQ 6.09% 6.07% 5.95% 49.5% 1,60,000 47.9% 47.0% 1,40,000 47.0% 47.5% 1,20,000 46.2% 45.0% 1,00,000 43.0% 80,000 41.0% 60,000 39.0% 40,000 37.0% 20,000 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 - 35.0% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost of SA 5.68% 4.90% 4.88% 4.89% 4.72% Retail Deposits % Share of Total Share of Certificate of Deposits (% of Total Deposits) Borrowings Constituted by Long Term Sources Infrastructure Bonds Short-Term FCY Borrowings (< 12 months) 3% 8% 7.5% Tier-II BONDS 6% 6.4% 6.1% 6.2% 5.9% Long-Term FCY Refinance from Borrowings Development 25% Institutions 58% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 10 4 % bps YoY bps QoQ (160)bps YoY bps QoQ ( 3 3 ) (49) (12) Key Drivers of Retailisation of Deposits Process and ‘One Bank’ approach Improving TAT for Productivity holistically serving processes across Revamped KRAs Cross-sell driven engagement customer needs acquisition & servicing Enhancement Premiumization Segmental focus - Business Wealth management via and Differentiated Corporate/ Branded salary Owner/Promoter/Director/Trustee owners, Family offices, Affluent proposition accounts (OPDT) accounts Product Offerings NRIs, Entrepreneurs Upgrading CRMs in sync Digital Enablers Curated digital journeys INDIE app enrichment with Fintech partnerships evolving customer enhanced features and Innovation preference Leveraging Rural Leveraging domain 85K+ Active Bharat Money Deep rural presence covering Tailored merchant offerings and Semi-Urban expertise and leadership in Stores providing banking at 1.60lacs villages livelihood loans doorstep in remote areas Distribution 11 Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdown India Footprint of Branches of Branches 9,413+ ~1,60,000 Touch Points Villages Covered Central North Urban Rural Particulars (#) Jun-26 Mar-26 QoQ 13% 22% 25% 24% East Branches/Banking 3,137 3,136 1 Outlets 20% BFIL Branches 3,348 3,427 -79 Vehicle Finance 75 102 -27 South Semi Urban Marketing Outlets West Metro 27% 23% Total Outlets 6,560 6,665 -105 18% 28% ATMs 2,853 2,870 -17 Total Touch Points 9,413 9,535 -122 12 Loan Book Diversified Across Customer Segments Loan Book Composition Loan mix and Growth (End of Period) Rs. Crore Q1 FY27 YoY QoQ % Share Institutional & Retail 1,62,752 -4% 0% 50% Government Banking, 10% Mid Market Vehicle Finance 99,718 3% 0% 31% Grp & Vehicle Finance, Specialized 31% Rural Banking 31,417 -26% -2% 10% Verticals, 10% Consumer Banking 31,617 3% 2% 10% SME 43,295 -5% -2% 13% Large Corporates, Wholesale 1,20,227 1% 11% 37% 17% Large Corporates 54,187 2% 16% 17% Rural Banking, 10% Institutional & 34,601 -5% 7% 11% Government Banking SME, Consumer Banking, 13% 10% Mid Market Grp & 31,439 7% 6% 10% Others Overall Loan Book 3,26,274 -2% 3% 100% 13 Vehicle Finance: Leadership Across Vehicle Categories 35+ Market Leader Nationwide Healthy Digital Initiatives Tapping Years in Most Diversified Collateral for a Customer-first New Sub- of Vintage Products Presence Coverage Experience segments Vehicle Finance Loan Book (₹ crs) Vehicle Finance Disbursements (₹ crs) 3% YoY YoY QoQ QoQ 8% 8% 8% 7% 7% 7% 6% 8% 6% 8% 10% 10% 9% 9% 8% 14% 12% 11% 8% 8% 14% 13% 13% 14% 14% 13% 13% 15% 14% 12% 28% 31% 32% 32% 32% 32% 29% 32% 31% 31% 15% 13% 14% 14% 14% 14% 15% 16% 14% 15% 24% 24% 24% 24% 24% 22% 20% 23% 28% 24% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 MHCV LCV PV CE 2-W & SCV Tractor MHCV LCV PV CE 2-W & SCV Tractor 14 (0 )% (4)% (1 4 )% 96,357 96,208 98,196 99,876 99,718 11,298 10,265 12,909 12,665 10,832 Rural Banking: Leveraging Deep Distribution to Serve the Underserved Micro Loan Book* (₹ Crs) Merchant Loan Book (₹ Crs) 11% YoY 160K 1% QoQ Villages served across 23 States 575K Avg o/s per Avg o/s per Borrowing borrower borrower Merchants * Includes Microfinance loans as per RBI definition and other inclusive banking loans Kisan Credit & Other Rural Loan Book (₹ Crs) Affordable Housing Loan Book (₹ Crs) 85K+ Active YoY Bharat Money (4)% YoY 2,839 2,889 Stores Banking 2,393 2,514 2,692 QoQ (6)% QoQ at doorstep in remote areas 27K+ Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Unique Avg o/s per Avg o/s per Farmers borrower borrower 15 2 1 % YoY QoQ Loan Book Disbursements 8,042 8,095 28,408 7,304 7,262 7,338 (43)% (3)% 21,321 17,669 16,782 16,305 (13)% (5)% 5,991 5,478 5,226 1,319 3,598 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 45.1K 37.9K 39.1K 41.4K 45.3K 118K 118K 136K 146K 148K 2% 4,384 4,317 4,284 4,267 4,128 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 14.7L 15.2L 15.6L 15.8L 15.4L 10.8L 10.9L 10.9L 10.9L 11.0L Consumer Banking: Broadening the Traditional Retail Asset Franchise Home Loans (₹ crs) Personal Loans (₹ crs) YoY YoY Improved risk & 6,889 10,681 10,804 10,598 10,358 6,510 9,930 QoQ analytical 6,114 QoQ 5,547 models 4,996 Increased digital & branch sourcing Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Credit Cards (₹ crs) Other Retail (₹ crs) RuSU expansion YoY YoY 11,059 10,747 5,381 10,264 9,751 9,418 QoQ QoQ 4,456 3,963 4,001 4,081 Process revamps Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 16 3 8 % 6% ( 7 ) % (4)% ( 1 5 ) % (3)% 3 2 6 1 % % SME: Addressing Large Opportunity with Focus on Granular Portfolio SME Loan Book (₹ crs) and % Share in Loan Mix Portfolio Spread Across Industries 50,000 20.0% YoY Integrated 45,393 45,038 43,957 44,347 43,295 45,000 18.0% QoQ Operating Model 40,000 16.0% Tailormade 35,000 14.0% 13.8% 13.8% 14.0% 13.6% Digital Offerings 13.3% 30,000 12.0% 25,000 10.0% Strong Risk 20,000 8.0% Assessment & EWS 15,000 6.0% 10,000 4.0% Increasing SME Distribution 5,000 2.0% Coverage 0 0.0% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 17 ( ( 5 2 ) ) % % Trading, 10% Other Industry, 31% Automobile sector, 10% Oil & Gas, 1% Steel , 9% Hospital & Medical Services, 1% Hotels & Tourism, 1% Agriculture, 6% Auto Ancillaries/ components, 1% Textile, 5% Gems and Jewellery, 1% Chemicals , 2% Paper, 2% Pharma, 3% Food Products Engineering & Beverages and Other Machinery, 3% Food processing, 4% Plastic & Plastic Construction, 2% products, 2% Real Estate - Commercial, Residential Electric equipment , & 2% Educational Warehousin Institutions, 2% g, 2% Wholesale Banking: Driven by Risk Adjusted Return on Capital Risk Profile: Rating wise Wholesale Banking Loan Book (₹ crs) Corporate Exposure * 1,18,824 1,18,155 Primary Banker to Emerging & Mid Corporates 25% 25% 28% 27% 26% 31% 28% 27% 30% 29% 45% 47% 45% 43% 45% Deep Domain Presence in Focused Sectors Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Large Institutional Mid Market Grp Corporates & Government Banking & Others * Includes fund and non-fund-based exposure to corporate clients Ingrained Liability Sector-wise Loan Mix (% of Total Loans) Benchmark Rate Mix (% of Total Loans) Approach Granularity and Annuity led fees 18 1 , 1 2 , 3 6 0 1 , 0 8 , 5 2 5 1,20,227 YoY QoQ 1 1 1 % % 18% 18% 17% 17% 15% 29% 30% 31% 33% 33% 29% 29% 33% 34% 35% 20% 20% 17% 16% 17% 3% 3% 1% 2% 1% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 BB+ & Below BBB A AA AAA Sector Q1 FY27 Fixed 15% NBFCs (other than HFCs ) 6.06% Real Estate - Commercial & Residential 4.41% MCLR 6% Repo Gems and Jewellery 2.80% 43% Power Generation – Non Renewable 2.00% Steel 1.67% Power Generation – Renewable 1.65% Others 18.34% Wholesale Banking 36.92% SME 13.27% Other EBLR 36% Consumer Banking 49.81% Total 100.00% Digital Banking: Continuing Momentum Across Metrics Digital Acquisition Payment & Digital Adoption & Origination Merchant Ecosystem & Engagement Q1’27 Q1’27 4.6 INDIE App 30.5K SA opened via end- 6.8Mn INDIE APP led + Rating to-end DIY journey transactions 4.7 4.6 INDIE for Business TDs opened 1.5Mn UPI transaction 238K + App Rating + via end-to-end via INDIE APP 4.6 DIY journey Bill payment Monthly Active Credit Cards 2.6Mn+ 442K+ transactions via Users – INDIE* 14K+ sourced via end- INDIE APP to-end DIY journey Monthly Personal Loans Fund Transfer Active Users – sourced via 4.9Mn+ via Indie App 390K 1.5K+ + INDIE for end-to-end Business* DIY journey * As of 30-June-26 19 INDIE One App. Endless Possibilities. Retail made simple with INDIE. 100 + Banking Features across Web & Mobile 51% 28K+ 6,800 Cr. + Scan 5Mn+ 2.1Mn+ to watch MAU Total Credit FDs & RDs Registrations* SA Customers* video Customers** Lines** opened** Savings Account | Payments | Deposits | Line of Credit | Credit Cards | Investments | Digital Servicing | more… *as of 30-June-2026 20 ** Cumulative numbers for Q1 INDIE for Business A Next Gen ‘all in one’ Business SUPER APP #BetterBusinesBanking 100 + Banking Features across Web & Mobile Self Registration | Payments | Merchant Collections | Business Loans | Notifications | Current Accounts | more.. ₹25K Cr. + ₹98 Cr. + ₹118 Cr. + Scan 700K+ 65% to watch Transactions Tax & Bill FDs & RDs Registrations* MAU Customers** video Value*** Payment*** opened*** Individual CA | Sole Prop | Partnership | LLP | Pvt. Ltd. | Public Ltd. | One Person Company | Limited Company * As of 30th Jun ‘26 | ** On ETB base 21 ** Cumulative numbers for Q1 Presentation Path 01 02 04 05 06 03 n o i t i n y r a s s s t h s o P o i t m m u e r g o Asset g i l h g y t i d a m r o S r P i H i u f n Quality q I e v s s l a i L y e i t e i c d K u n n n c i s a a r e e u n x l h B i a E F t t O i p a C 22 Stressed Assets and Provisions Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) Gross NPA and Net NPA (%) Provision Coverage Ratio (%) YoY QoQ 3.64% 3.60% 3.56% 72% 3.43% 3.25% 72% 71% 71% 70% 1.12% 1.04% 1.04% 1.00% 0.95% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 GNPA NNPA Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) Restructured Book and Net Security Receipts (% of Net Advances) SMA1 and SMA2 (% of Net Advances)* 0.26% 0.22% YoY YoY QoQ QoQ 0.17% 0.17% 0.17% 0.14% 0.12% 0.09% 0.08% 0.07% 0.10% 0.08% 0.07% 0.06% 0.05% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Restructured Book Net Security Receipts *as reported to CRILC: outstanding loan book with customers having exposure of Rs.5crs or above 23 ( 3 9 ) b p s ( 1 8 ) b p s (17)bps (5)bps ( 1 ( 5 5 ) ) b b p p s s ( ( 1 1 ) ) b b p p s s ( 2 ) b p s YoY QoQ (5)bps 1 2 ( 3 2 b ) b p p s s Segment wise Asset Quality Trends ₹ Crs 164 140 46 25 152 122 115 60 144 62 2,193 2,348 2,372 159 113 492 394 443 325 1,168 378 328 609 1,301 1,341 157 118 1,122 523 496 183 167 135 941 970 110 191 143 884 776 504 5,291 3,335 2,661 440 731 501 726 477 548 2,648 3,009 247 2,096 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Gross Slippages Net Slippages Write Offs Gross NPA 24 2 , 5 6 7 1 , 8 2 5 1 , 6 6 0 2 , 0 9 8 1 , 3 5 9 1 , 1 8 8 6 6 4 1 , 8 6 8 1 , 4 3 5 1 2 , 4 8 1 1 1 , 0 9 5 1 0 , 8 4 9 43 20 122 386 353 19 113 105 394 1,157 817 4- 125 169 140 Q1 FY26 Q4 FY26 Q1 FY27 Vehicle Finance Micro Loans Other Rural Banking Consumer Banking SME Wholesale Movement in Non-Performing Assets ₹ Crs Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Opening Balance 11,046 12,481 12,058 11,605 11,095 Fresh Additions 2,567 2,537 2,560 1,825 1,660 Deductions 1,133 2,960 3,013 2,335 1,907 -Write-offs 664 2,517 2,612 1,868 1435 -Upgrades 230 199 166 203 225 -Recoveries 239 244 235 263 248 -Sale to ARCs/ Others - - - - - Gross NPA 12,481 12,058 11,605 11,095 10,849 Net NPA 3,721 3,399 3,304 3,169 3,101 % of Gross NPA 3.64% 3.60% 3.56% 3.43% 3.25% % of Net NPA 1.12% 1.04% 1.04% 1.00% 0.95% Provision Coverage Ratio 70% 72% 72% 71% 71% Provision & Contingencies 1,760 2,631 2,096 1,482 1,384 Credit Cost (% of Avg Loans) 2.11% 3.24% 2.62% 1.89% 1.74% 25 Loan Related Provisions held as on June 30, 2026 • Specific provision of ₹ 7,678 crs for non-performing accounts (towards PCR) • Floating provisions of ₹ 70 crs (towards PCR) • Standard asset provisions of ₹ 1,810 crs including restructured • Provision Coverage Ratio at 71% and total loan related provisions at 88% of GNPA • Loan related provisions of ₹ 9,558 crs are 2.93% of the loans. 26 Presentation Path 01 02 03 05 06 04 n o i t i n y r a s s s o P o i t m m u e r g o y t i l a Financial y t i d a m r o S r P u Q i u f n Outcomes q I e v s s t e i L y e i t e s d K u n s n c i s A a r e e u x l h B a E t t O i p a C 27 Key P&L Metrics Restructured Book and NNeet tS Reecvuernituye R(₹e ccresip) ts (% of Net Advances) Restructured Book anOdp Nereatt iSnge cEuxrpiteyn Rseesc (e₹i pctrss )(% of Net Advances) YoY QoQ 6,797 YoY QoQ 6,060 6,269 6,085 6,471 4,229 4,013 3,999 3,790 3,698 2,157 1,651 1,707 1,714 1,787 2,424 2,349 2,094 2,073 1,906 4,640 4,409 4,562 4,371 4,685 1,805 1,664 1,905 1,717 1,792 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Net Interest Income Non - Interest Income Employee Cost Other Expenses Restructured Book and ONpeetr aSteincgu rPitryo fRit e(₹c ecirpst)s (% of Net Advances) Restructured Book and NPerot fSite Acfuterri tTya Rx e(₹c ecirpst)s (% of Net Advances) YoY QoQ YoY QoQ 28 ( 5 ) % ( 1 7 ) % 6 4 % % 1% 7% 8 % 2 1 % ( 1 ( 2 3 1 ( 1 7 ) % ) % ) % 2 % ( 2 ( 8 7 ) % ) % 4 % 5 % 2,773 2,567 1,037 2,270 2,295 2,047 604 594 128 -437 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Net Interest Margin: Key Components and Trend Yield on Advances and Assets (%) Cost of Deposits and Cost of Funds (%) Net Interest Margin (%) 6.44 11.62 11.23 11.08 11.15 10.96 6.23 6.09 6.07 5.95 3.46 3.32 3.52 3.39 3.57 9.15 8.75 8.78 8.53 8.62 5.69 5.43 5.26 5.14 5.05 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Yield on Assets Yield on Advances Cost of Funds Cost of Deposits 29 Diversified Fee and Other Income Streams Non-Interest Income Mix (₹ crs) Core Fee to Asset Ratio (% of Average Assets) 6% 8% 11% 12% 29% 20% 18% 19% 23% 14% 74% 74% 70% 65% 57% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Retail Wholesale & SME Trading & Others Restructured Book and R N e e t t a S il e F c e u e r M ity ix R (₹ e c cr e s ip ) ts (% of Net Advances) Restructured BookW ahnodl eNseatle S &e cSuMrEity F eRee Mceixip (t₹s c (r%s) of Net Advances) Liabilities & Other Fees 21% 20% 18% 19% 19% Retails Assets excl 36% 33% 34% 39% 37% Cards Cards & Payments 24% 29% 27% 18% 24% Third Party Distribution 19% 18% 21% 25% 20% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 30 2 ,1 5 7 1 ,6 5 1 1 ,7 0 7 1,714 1,787 4% 5% 4% 6% 3% 28% Others 39% 43% 40% 43% Loan related Fees 66% 57% 52% 57% 55% Transaction Banking Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 3 0 2 326 306 3 2 1 410 1 ,2 3 1 1 ,2 2 2 1 ,2 6 9 1 ,2 0 3 (17)% 4% YoY QoQ YoY QoQ YoY QoQ 1,167 6 b p s 3 b p s YoY QoQ ( 5 ) % ( 3 ) % 3 6 % 2 8 % 1.23% 1.20% 1.18% 1.16% 1.14% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Key Financial Indicators Restructured Book and RNeettu Srne counr Aitsys Retesc (e%ip)*ts (% of Net Advances) Restructured Book and RNeettu Srne counr Eitqyu Ritey c(e%ip)*ts (% of Net Advances) 6.26% 3.71% 3.63% 0.78% 0.45% 0.45% 0.10% 0.79% -0.33% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 -2.68% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Restructured Book and ENaertn Sinegc Puerirt yS hRaerec e(₹ip)*ts (% of Net Advances) Restructured Book andB Noeotk SVeacluuer iPtye rR Sehcaeriep (t₹s) (% of Net Advances) 53.2 832 31.0 30.5 808 803 797 807 6.6 -22.4 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 *Annualized numbers 31 Presentation Path 01 02 03 04 06 05 n y s s o r a s t h i t m e y g a m u r g o t i l a i l h g Capital and m r o S r P u Q i H f n Liquidity I e v s s t e l a y e i t u e n s s i c n Position K c i s A a r e e u n x h B i E F t O 32 Healthy Capital Adequacy and Liquidity Position CRAR (%) CET 1 (%) YoY YoY QoQ QoQ Q1, Q2 & Q3 FY26 excludes interim profits Q1, Q2 & Q3 FY26 excludes interim profits RWA to Assets (%) Liquidity Coverage Ratio (%) YoY YoY QoQ QoQ 33 ( 3 5 3 2 ) b b p p s s ( 1 6 0 2 ) b b p p s s (268)bps 8 5 b p s (10)% 7 % 16.20% 16.10% 15.88% 17.48% 15.74% 17.10% 17.15% 15.48% 16.94% 16.63% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 76% 76% 76% 72% 73% 141% 132% 127% 122% 118% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating NRIs/ Director/ CARE A1+ for Certificate of Deposits. Others GDR issue Individuals 1.90% 4.64% Promoters CRISIL A1+ certificate of deposit program / short 15.08% 7.85% term FD programme. Private Corporates 2.46% 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. FIIs 27.81% International Rating MFs / Banks/ Insurance Co Ba1 for Senior Unsecured MTN programme 40.26% by Moody’s Investors Service. 34 Presentation Path 01 02 03 04 05 06 n o i t i y r a s s s t h s o P m e y g m u r g o t i l a i l h g y t i d Other Key S r P u Q i H i u q Information e v s s t e l a i L i t e s i c d u n s n n c i s A a a e u n x l B i a E F t i p a C 35 Micro Loans: Additional Disclosures (1/2) Cumulative 12M ending Jun-26 Q1 FY27 72% 74% Up to 6 M 6-12 M 12-24 M 6-12 M 12-24 M 0% 1% 4% 24-36 M of Disbursements Up to 6 M 0% 3% 24-36 M of Disbursements 8% Towards Centers with 0% 8% Towards Centers with 36-48 M 36-48 M >5 Years Vintage 6% >5 Years Vintage 48-60 M Disbursements 7% 8% 48-60 M Across Centers 7% 95% 96% by Vintage of Disbursements of Disbursements >60 M Towards Centers with >60 M Towards Centers with 72% >2 Years Vintage 74% >2 Years Vintage Cumulative 12M ending Jun-26 Q1 FY27 Up to 6 M Up to 6 M 6-12 M 6-12 M 5% 7% 5% 1% 12-24 M 12-24 M 92% 90% 10% 11% of Disbursements >60 M of Disbursements >60 M 41% Towards Customers Towards Customers 44% Disbursements with >1 Years Vintage with >1 Years Vintage Across Customers 24-36 M 24-36 M 15% by Vintage 16% 48-60 M 36-48 M 36-48 M 9% 13% 12% 48-60 M 10% 36 Micro Loans: Additional Disclosures (2/2) Net Collection Efficiency Early Stress Bucket (DPD Book % of Gross Portfolio) Standard Customers (0-90 DPD) Current Customers (0 DPD) DPD 0-90 DPD 30-90 4.8% 99.5% 99.6% 99.6% 99.7% 99.7% 99.8% 99.7% 99.7% 99.7% 99.0% 99.1% 99.2% 99.1% 98.8% 4.1% 3.3% 3.0% 98.7% 98.8% 98.8% 98.8% 98.4% 98.0% 3.2% 97.1% 97.2% 96.6% 96.1% 96.1% 2.3% 2.2% 2.4% 1.2% 1.0% 95.6% 95.8% 95.6% 0.9% 0.6% 5 2 -ra M 5 2 -n u J 5 2 -lu J 5 2 -g u A 5 2 -p e S 5 2 -tc O 5 2 -v o N 5 2 -c e D 6 2 -n a J 6 2 -b e F 6 2 -ra M 6 2 -rp A 6 2 -y a M 6 2 -n u J 5 2 -ra M 5 2 -n u J 5 2 -p e S 5 2 -c e D 6 2 -ra M 6 2 -n u J Portfolio Mix by Number of Lenders (by Value) Portfolio Mix by Customer’s MFI Industry Exposure (by Value) Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 43% 51% 48% 48% 50% 37%37% 38% 45% 44% 32% 34% 30% 30% 30% 30% 31% 32%32% 27%26%25% 28% 29% 29% 22% 15% 16% 15%15%15% 14%14% 18%18% 14%14% 15% 19% 17%17% 14% 7%6%5%4%3%2% 4%4%3%2%1%1% Unique to BFIL BFIL + 1 BFIL + 2 BFIL + 3 BFIL + 4 or More < Rs.50k Rs.50k to 100k Rs.100k to 150k >Rs.150k 37 ESG highlights – Select ESG ratings (starting with recently received) 72/100 66/100 (02-Jan-26) (26-Mar-26) 61/100 65/100 83/100 (10-Sep-25) (08-Dec-25) (09-Dec-25) ESG and CSR highlights – Environment initiatives ~ 37% 2032 3 14 Green, Climate, Social, Livelihood & Target year for Carbon Neutrality Offices LEED Branches/Lobbies with LEED inclusive portfolio of loan book FY26 in own operations certification certification (under external assurance) 20.57 lakh ~ 17X 12,237 hectares Area restored and treated cubic metres More water harvested in FY 25, than bank wide consumption in under CSR initiatives water potential created FY 25 (externally assured) under CSR 391 100kWh Water harvesting structures Renewable energy capacity created & rehabilitated created under CSR 39 ESG and CSR highlights Social Initiatives – impact Impact through our Initiatives – FY2026 19 lakh farmers 60200+ students 955+ sportspersons • Reached 3 lakh rural HHs and 1.31 lakh HHs directly served in BFIL Bharat supported under FLN supported supported with increase in income by 30% across five Sanjeevani program programmes in 630 schools Aspirational Districts. • 1.8 lakh beneficiaries linked under Social Protection 21.5 lakh livestock 1790 teachers 140 international Schemes. treated in BFIL Bharat trained to improve learning medals • 42 FPOs with 25,000+ members supported. Sanjeevani program outcomes won • 2,800+ farm and non-farm-based entrepreneurs created. • ₹ 17.16 crore productive credit mobilized. 77.8 lakh vaccinations 7600 entrepreneurs 420+ women • ₹ 10 crore worth of agri produce linked to market. administered in BFIL Bharat supported including women led athletes • 1,677 Self-Help Groups supported, strengthening Sanjeevani program enterprises supported livelihoods and economic participation among women. • 11,481 women SHG members reached through 8.95 lakh livestock 1100+ PWDs 770 blind cricketers capacity building, credit linkages and enterprise lives saved in BFIL Bharat enabled through skilling and & development. Sanjeevani program employability initiatives 40 para-athletes • 41,100+ individuals facilitated under Ayushman supported Bharat. 40 Awards & Accolades Won 6 prestigious wins in the 'Best Supply Chain Solution' category IndusInd Bank won ‘Platinum’ at Infosys Finacle Innovation Award at The Asset Triple A Treasurise Awards 2026, one of the most 2026, for ‘INDIE for MSMEs - Digital Current Account Opening respected platforms in Asian banking and finance. Platform’, under Maximizing Customer Engagement category. This recognition is a testament to the bank’s relentless focus on It is the 8th consecutive year of winning this recognition, which purposeful innovation and your leadership in advancing the future of underscores our continued focus on delivering relevant, future-ready banking. solutions that help clients. 41 Disclaimer This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any condensed,. All information contained has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. This presentation may not be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner. 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This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law. Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to rounding off. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. 42