Axis 2.0 Digital Banking

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AXIS BANK

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AXIS BANK

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Dec'22

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#1Pending#2In this Presentation 1 Building ESG Around Purpose Leadership-driven ESG Governance 2 3 Committed to Operational Excellence Driving Positive Finance 4 5 Serving the Community The Future of Work 6 AXIS BANK 2#31. Building ESG Around Purpose AXIS BANK 3#4Our ESG Journey We have made steady progress in establishing an ESG culture at the Bank Established the Axis Bank Foundation Established BR & Sustainable Development Dept Launched Sustainable Lending Policy & Procedures Inclusion in the FTSE4Good Index for the first time FY 2005-06 FY 2012-13 FY 2014-15 FY 2015-16 FY 2016-17 FY 2020-21 Published first Business Responsibility (BR) report Published 1st Sustainability report AXIS BANK Established the ESG Committee of the Board Great Place to Work certified (Jan'22) (Aug'21) Launched #Come As YouAre Diversity Charter (Sep'21) Signed $150 mn Deal for Sustainable Supply Chains with ADB (Apr❜22) FY 2021-22 FY 2022-23 Issued $600 mn ESG AT1 Notes (Sep'21) Committed $150 Mn to SAMRIDH Healthcare Blended Finance ((Mar' 22) Announced $300 mn guarantee platform with GuarantCo (Nov'21) Published 1st TCFD report, for FY2022 Issued $500 mn certified green bond (Jun'16) Established the ESG Steering Committee (Aug'20) 4#5Building ESG Around Purpose... AXIS BANK 'Banking that leads to a more inclusive and equitable economy, thriving community and a healthier planet' Inclusive and Equitable Economy We are committed to providing opportunities that help the most economically disadvantaged achieve prosperity Thriving Community We are committed to working with communities across the country to help them thrive on a sustainable basis. Healthier Planet We are committed to consciously nurture the planet we live in and make it a better place for future generations. Our ESG strategy & actions are aligned and contribute to pertinent Sustainable Development Goals (SDGs) 1 2 3 5 7 AFFORDAB DECENT WORKD PORREMINGTON 10 11 12 CONSUMPTION 13 GUNME 14 15 16 17 ANE PRODUCTION SUSTAINABLE DEVELOPMENT 556 Q GOALS Please access our Sustainability Report 2022 for further details 5#6... towards strengthening our GPS journey Identified areas of distinctiveness with focus on Customer Obsession and serving the large under banked RUSU population AXIS BANK Growth Sustained, Consistent Financial Outperformance Deliver world class customer experience Build India's most profitable Bharat banking franchise Accelerate deposits growth Profitable, RAROC focused advances growth Retail: Led by Mortgages, SBB and Cards Wholesale: Led by Mid Corp, CBG and MNC Leadership in Digital and digital-enabled retail payment Pioneer Ecosystem plays in 2-3 ecosystems Scale up at least 1-2 subsidiaries and investments One Axis Profitability Turbocharge CASA ratio CA growth by becoming the operational bank of choice for customers SA growth leadership led by salary acquisitions and ETB deepening Accelerated fee income growth via tech-solution enabled wallet penetration and cross-sell Optimize costs using the benefits of digitization Aggressively control credit costs Investing in Digital and Technology to simplify customer journeys, strengthen data security and aid environmental sustainability Sustainability Governance and Culture: Strengthen Governance and Culture across risk, audit and compliance Risk: Reinforce the core, enhance models and frameworks to build best-in-class capabilities IT: Become Agile @ Scale by modernizing the core, cloud adoption and fixing the basics Operations: Build a resilient, predictable Operations platform enabled by automation, predictive analytics and faster resolution Intelligent data use: database lending programs, personalized campaigns/service, business insights, easy information access Customer Centricity Ethics Transparency Teamwork Ownership 6#7Pending#8Our ESG performance continues to get recognition We aspire to be an ESG leader in India and globally AXIS BANK MSCI Among Top 10 Constituents of MSCI India ESG Leaders Index FTSE4Good FTSE4Good Index constituent for 6th consecutive year in 2022 Constituent of NSE Nifty 100 ESG Sector Leaders Index BSE Among top 10 constituents of S&P BSE 100 ESG Index 20TH FICCI FICCI CORPORATE SOCIAL RESPONSIBILITY AWARDS Jury commendation certificate (2022) - Education ES G INDIA LEADERSHIP AWARDS Steady Progress on ESG Benchmarks • One of the 14 companies out of 586 companies placed in the 'Leadership' Category at CRISIL annual ESG assessment 2022 • CDP Score at C in 2022 MSCI ESG Ratings at A in 2022 2021 National Winner * - Leadership in Social Impact & Transparency * Awarded by ESG.AI, India's first ESG Rating Company Dow Jones Sustainability Indexes DJSI 2022 - Axis Bank is placed in the above 80th percentile among global banks 8#9Pending#10Leadership-driven ESG Governance The foundational plank that both drives and supports ESG-aligned action Building ownership at Business Level ESG oversight at Leadership level ESG, a Board- level agenda AXIS BANK Axis Bank is the first Indian Bank to constitute an ESG Committee of the Board ESG Steering Committee at the Management level to champion ESG across Bank DEI Council providing oversight on Diversity, Equity and Inclusion ESG Working Group aligning ESG to lending and financing activities ESG Commitments announced for Retail and Corporate businesses (link) Sustainable Financing Framework in place to guide future ESG-aligned issuances and lending activities 10#11ESG Led by the Board and Senior Management Strong & Diverse Board * 64% Proportion of Independent, Non-Executive directors ESG Committee of the Board Prof. S. Mahendra Dev Independent, Non-Executive Director (Chairman) Ketaki Bhagwati Independent, Non-Executive Director 21% Proportion of women directors on the Board Padmanabhan Gopalaraman Independent, Non-Executive Director Ashish Kotecha Non-Executive (Nominee) Director ESG Steering Committee · Advisor - Transition & Sustainability . Head - Digital Banking • President - Wholesale Credit * Board composition as of 30th June 2022 AXIS BANK Amitabh Chaudhry Managing Director & CEO • Head-Human Resources · Chief Risk Officer • Head - Investor Relations 11#12Guided by Strong Policies Demonstrating clarity and transparency through pertinent Policies and Processes Code of Conduct & Ethics AXIS BANK Human Rights Policy Equal Employment & Opportunity Policy ESG Policy for Lending Diversity, Equity & Inclusion Policy Anti-Bribery & Anti-Corruption Policy Policy on Environmental Management Corporate Social Responsibility Policy Customer Privacy Policy Tax Policy Policy on Board Diversity Conflict of Interest Policy Remuneration Policy 12#13Transition Action Plan & Strategy The Bank's transition action plan addresses the following: + Scaling up lending to positive impact sectors (wholesale & retail) Reducing our exposure to carbon intensive sectors AXIS BANK Expanding our Environmental & Social risk assessment of our overall portfolio 111 & |||| Scaling up our climate risk assessment at the enterprise level through climate stress testing & scenario analysis Reducing our operational carbon footprint Scaling up our Environmental initiatives under CSR (increasing India's carbon sink) The Bank has undertaken ESG aligned commitments that support its transition plan 13#14• • Dedicated to Positive Climate Action and the SDGs AXIS BANK In September 2021, the Bank announced commitments aimed at supporting India's low-carbon and equitable economic transition The Bank's commitments are aligned to pertinent Sustainable Development Goals (SDGs) and India's commitments under the Paris Agreement NO 1 POVERTY сл 5 GENDER EQUALITY Our Commitment Incremental financing of 30,000 Crores under Wholesale Banking to sectors with positive social and environmental outcomes, by FY 2026 Making 5% of its retail Two-Wheeler loan portfolio as electric by FY 2024 Our Progress in FY 2022 and aspiration for FY 2023 • Achieved a disbursement of 10,414 Crores as of March 2022 Target cumulative disbursement of ₹15,000 Crores by March 2023 . • EV penetration of 0.82% of the overall two-wheeler business achieved, as of March 2022 • Target to achieve 2% EV penetration by March 2023 AFFORDABLE AND CLEAN ENERGY 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE 13 CLIMATE ACTION 15 LIFE ON LAND Incremental disbursement of ₹10,000 Crores by FY 2024 under Asha Home Loans for affordable housing; increasing share of women borrowers from 13.9% to 16.9% Scaling down exposure to carbon-intensive sectors Reaching 30% female representation in its workforce by FY 2027 Planting 2 million trees by FY 2027 across India towards contributing to creating a carbon sink • • • Achieved disbursement of ₹4,710 Crores as of March 2022 Share of women borrowers increased to 15.86% as of March 2022 Target to achieve 4,700 Crores disbursals in FY 2023 Committed to gradually phasing down wholesale book exposure in four identified carbon intensive sectors © Coal (mining, logistics and trade), thermal power, shipping, and aviation - Overall diversity at 24.6% as of March 2022; hiring diversity at 27.6% Aim to achieve 30% diversity in hiring in FY 2023 • Site preparation completed at 5 locations in FY 2022 ⚫ ~0.875 million saplings to be planted in FY 2023 14#15Committed to Highest Standards of Data Security and Customer Privacy AXIS BANK 299 299 In-Depth Defense through best-in-class security technology and process controls Vulnerability and threat management across the entire tech. landscape 24 x 7 events monitoring by SOC* through Next Gen SIEM^, threat intelligence tools Continuous Red Team Exercises for timely vulnerability identification Continuous transaction monitoring supplemented by real-time decline rules. Strengthening Cyber resilience program with focus on detect & respond/recover activities Security Analytics for enhanced security threat visibility 790 / 900 Bitsight Rating1 1. Security Operations Centre ^ Security Information and Event management 1. BitSight Rating = Key Risk Indicator of Over all Cyber Security. Cybersecurity ratings company based in Boston, US (2011). Approach similar to credit ratings for financial risk.BitSight Security Ratings are calculated on a scale of 250-900 with a higher rating indicating better security performance. Certified ISO 27001:2013 for Information Security Systems and PCI DSS compliant 15#16Embedding customer obsession through Sparsh Sparsh's 4 building blocks will help deliver our aspiration to become India's most customer-obsessed bank AXIS BANK Become distinctive in customer-obsession... ...by leveraging 'Sparsh' building blocks Rise to #1 Raise our aspiration to be ranked #1 on NPS Delight customers and fulfill dreams Convert customers to promoters through delight across key signature moments Craft delight journeys Embedding customer obsession in focus businesses Create 85k+ delight advocates Embed STAR behaviours; change management at scale Deliver smart banking everyday Leverage smart solutions like digital and analytics everyday to bring alive the Axis promise Become empowered Empower employees to deliver customer obsession in everyday interactions Build institutional capabilities Sparsh forums (Sparsh day/architect), Omnichannel, 360° view of customer voice Measure and act on customer feedback NPS, CX Index, select business & operating metrics 16#17Setting up Sparsh, in line with best-in class globally, with focus on sustenance AXIS BANK Distinctiveness program with Board & CEO sponsorhip Sparsh Board set-up with 9 senior leaders, monthly cadence and empowered to make the aspiration a reality Role-modelling ✓ Customer Call Listening rituals ✓ Voice of Customer Analytics and Customer Data Lake set-ups for insights Listening to and themes Customers Central Sparsh Team Sustenance through Measurement Sparsh Ekyam - instutionalising listening and recognizing internal customers Shift to NPS from satisfaction measurements - unit and resource level Granular tracking and analytics led insights for Complaints; along with a central RCA unit Tracking Axis Promise across critical customer journeys ✓ Outside-in measurements around Brand and Social Media Refer our detailed presentation on Sparsh Execution Agile way of working through 15+ Sparsh Pods and 100+ Sparsh Architects across Products, Businesses and Distribution set-ups Creating a common belief on Customer Obsession 17#183. Committed to Operational Excellence AXIS BANK 18#19Striving for Operational Excellence AXIS BANK As an organization, we remain committed to consciously managing the environmental footprint of our operations and adopting practices that maximize resource efficiencies and deliver greater customer satisfaction. 1st and only Indian Bank to achieve the IGBC Green Existing Building O&M Platinum Certification, achieved for Axis House, Mumbai IGBC CHI Confederation of Indian Industry Indian Green Building Council (IGBC) hereby certifies that Axis House, Mumbai Corporate Office Wadia International Center, Worli, Mumbai (IGBC Registration No: GEB 21 1130) has successfully achieved the Green Building Standards required for the following level of certification under the IGBC Green Existing Buildings Rating System Platinum October 2021 (This certification is valid for next 3 years) . • . Committed to lowering carbon emissions in our business operations Replacing all conventional lighting to LED across all legacy branches and all upcoming branches and offices to have only LED All upcoming facilities in metro & urban centers to have 5 star-rated, Invertor-based air conditioners using environment-friendly R32 gas Lithium-ion batteries for UPS systems at all upcoming branches and offices, and existing replacements Scaling CEMS coverage from the current 600+ branches Digitisation of Bank's Real Estate Data, and related processes and controls for approx. 10 Million sq ft across India underway Gurmit Singh Arora Chair, IGBC Green EB O&M V Suresh Chairman, IGBC hahato KS Venkatagiri Executive Director, CII-Godrej GBC 19#20Striving for Operational Excellence Committed to reducing our operational carbon footprint The Bank's 3 largest offices, in Mumbai and Bangalore are running on 100% renewable power 7.05 MW functional captive solar power capacity at close to 250 locations*, helping avoid approximately 3,066 tCO2e annually Centralized Energy Management System (CEMS) at 600 branches, saving ~3,071 tonnes of CO2 emissions On-grid inverter solutions at rural branches to move away from DG sets EXIT EV CHARGING POINT 1000 Providing EV Charging infrastructure at Head offices in Mumbai and at Noida ~ 9,435 Metric tons of GHG emissions avoided in FY 2021-22 from diverse energy saving initiatives 'Branch of the Future' initiative by Digital Banking helping each branch savean estimated ~1.1 million sheets of paper monthly BHATPARA MUNICIPAL OFFICE MAIN BUILDING AXIS BANK arging P অ্যাক্সিস ব্যাঙ্ক AXIS BANK 20 20#21Investing in Digital Solutions to further our commitment to Sustainability in Our Operations We are investing heavily in building capabilities*... AXIS BANK ...with re-imagined customer journeys and new innovative offerings ... ...that has led to improvement in digital adoption FREECHARGE PILATES Come Cock AXIS BANK FUPKART CREDIT CARD 1 Digital transactions * (%) 94% 91% FLAT 55% OFF toy m 88% 3,850 81% 5000 10 73% 1,600+ People dedicated to digital agenda 350+ In-house development team HMCS 70+ Apps on Cloud 103,500+ Devices enabled on bring your own device 250+ Services on digital channels 2750+ Automated processes (IA) 17% Market share in UPI 300+ Employee tool journeys Refer our detailed presentation on Axis 2.0 Digital Banking * All data points are for period ended Dec'22 Buy Now Paylater Cards lifecycle Merchant Solution -eer gana eman so a starting in 01 06 47 05 Axis Loan Merchant Cssh Advance M SELECT TRAVEL DESTINATION Candy > Cammy > Bak - FY19 FY20 FY21 FY22 9MFY23 Based on all financial transactions by individual customers in FY22 73% 70% amazon.n Flipkart V20x 200 Hata SAMSUNG New MF SIPS sourced digitally* New SA accounts sourced through Tab banking* GrabDeals O/W Remittance Digital Auto Loan 67% New individual RTDs sourced digitally* by volumes 54% PL disbursed digitally* by value * In Q3FY23 21#22World's highest rated Mobile Banking App, doubling up as our largest branch 1:29 NS PRODUCTS Accounts Credit Cards FD/RD Loans * Investments Forex Card Demat Insurance Cardless Cash Recharge Withdrawal SERVICES Send Money Abroad My Profile Pay My Dues Cheques Other Services WhatsApp Us Contact RM AXIS BANK All data points are for period ended Jun'22 Store Rating ✰✰✰✰✰ 4.8 A. ✰✰✰✰✰ 4.6 Bank on-the-go with Axis Mobile App Hyper personalized | Intuitive | Seamless Highest rating of 4.8 on Google Play Store with 16 lakh+ reviews across 59 global banks, 8 global neo banks and 50 Indian fintech apps People's Choice 65% of Branch service request volumes covered 250+ DIY Services on mobile channel - 22 mn Registered customers on Axis Mobile Banking 11 mn Monthly active users on Axis Mobile Banking - 6.8 mn Non-Axis Bank customers using Axis Mobile & Axis Pay apps in Q3FY23 ~7.6 tn MB spends in Q3FY23, up 50% YOY ~ 3.9 bn 2 MB volumes in Q3FY23, up 88% YOY 60% MB customers banking only on mobile app 22 22#23: UBS analyst Brexit-Game on wate 6255.73 46.10 (0.74%) Thu, 02 Jun 2016 12:44 GMT Brexit-Game on, watch out FTSE100 MAIN MARKET London Stock Exchange welcomes Axis Bank Green Bond EXCHANGE LONDON STOCK E AXIS BANK 4. Driving Positive Finance 7932 CANL 31.00 740.50 BLND.L SVTL FTSE MIB 17505.90 10.77 ( 0.06%) Nikkei 225 16642.20 79.68 (0.48%) AEX-25 446.57 1.26 (0.28%) PSI-20 4775.20 0.00 (0.00%) CAC 40 4422.36 0.58 (0.01%) SGX 2825.81 17.58 (0.63%) S&P/ASX 200 3063.90 14.60 (0.48%) S&P/TSX Comp 14226.80 89.79 (0.64%) NASDAQ Comp 4942.52 0.00 (0.00%) DAX 10129.70 26.41 (0.26%) Dow Jones 17807.10 -31.50 (-0.18%) 25.00 0475 Hang Seng IBEX 35 21506.10 8833.50 659.79 ( 3.17%) 31.90 (0.36%) 0.80/0.42% -420-0438 974 80- 5375.00 189.70 MRW.L NG.L NXT.L 08:04:33 1310.21 EXPALL 0.600.30%) 20.00 (0.29% %202.70 6950.00ENA.L DRI LSE.LA 2672.00 717550 MONDAY 06 JUNE 2016 0.46%) and 2.70 (1.51%) 180.904 25.00 (0.47%) 5375.00 OML.L NXT.L AXIS BANK 23#24Driving Sustainable Banking and Finance Committed to scaling positive finance in India Issued 1st certified, dollar denominated green bond in India for $500 mn in 2016 Issued $40 mn green bond in private placement in 2019 Issued India's 1st Sustainable AT1 Notes for $600 mn in Sept❜21 AXIS BANK Steady Growth in Financing Green Sectors (In Crores) 6,447 5,498 26% YOY 12,255 9,753 FY 2019 FY2020 FY2021 FY2022 Sustainable Financing Framework released in August 2021 to guide future ESG issuances and align business portfolio Aligned to UN SDGs towards delivering positive social and environmental impact First such Framework to receive a Second Party Opinion in India ESG Working Group set up to oversee the Framework Access the Framework here SUSTAINALYTICS a Morningstar company SECOND- PARTY OPINION SUSTAINABLE DEVELOPMENT GOALS Integrating ESG Risk in Corporate Credit Appraisal Board-approved ESG Policy for Lending integrates environmental & social risk considerations into corporate credit appraisal mechanism The Policy, first framed in 2016, is suitably aligned to global standards and guidelines including the IFC Performance Standards Policy implemented by environmental and social risk experts housed in Credit Underwriting The Policy includes an exclusion list of sectors and projects that the Bank shall refrain from financing Access the Policy here 24#25Marquee Sustainable Finance Milestones Leading the way in positive impact financing in India $600 mn Sustainable AT1 Notes issued in Sept❜21 AXIS BANK 1st Indian corporate to issue Sustainable USD AT1 Bond (Press Release) USD 600 mn Sustainable AT1 notes • Making India only the 2nd jurisdiction in Asia for such issue THE Asset 財 ** . 47% final allocation to sustainability focused investors issuance wins 'Best Sustainability Linked Bond - Financial Institution' :The Asset Country Awards 2021 1st such bond to be listed on India INX & NSE IFSC exchanges in GIFT City Announced $ 300 mn E-Mobility loan guarantee program with GuarantCo Announced partnership and intent to execute an umbrella guarantee framework of $200 mn with the Private Infrastructure Development Group (PIDG) guarantee arm during COP26 in Glasglow Program size of $300 mn aimed towards accelerating financing to a wide range of entities in manufacturing & distribution of EV's, batteries, components and charging infrastructure (Press Release) $150 mn partial guarantee pact with ADB to support supply chain finance Focused on ESG & Impact (Priority) Sectors Perpetual & Scalable (Press release) • Axis Bank Commits $150 mn to SAMRIDH Healthcare Blended Finance Health solutions to address COVID-19 along with other health emergencies, especially across the vulnerable communities of India from Tier 2 and 3 cities (press release) 25#26Pending#27Our Digital Banking services are offered in various regional languages ✓ AXIS OK offers services in 11 regional languages AXIS BANK English हिंदी SELECT LANGUAGE ||| AXIS BANK 0 = वेलकम खाते कार्ड रिचार्ज शिल्लक तपासा मराठी मिनी स्टेटमेंट ગુજરાતી } ई-स्टेटमेंट साठी नोंदणी करा தமிழ் ई-स्टेटमेंट विनंती Geogo > चेक बुक विनंती తెలుగు বাঙালি ଓଡ଼ିଆ ਪੰਜਾਬੀ ಕನಾಡಾ OK चेक थांबविणे एमएमआईडी (MMID) उत्पन्न करा एटीएम शोधा > शाखा शोधा पैन क्रमांक बदला ईमेल अद्ययावत करा Standard SMS charges apply अधिक सेवा जसे कि बिल भरणे, लॉकर बुक करणे, मुदत ठेव आणि बाकी सेवांकरिता एक्सिस मोबाइल ची संपूर्ण आवृत्ती घ्या. = डाउनलोड > Internet Banking - Product information and support pages in Hindi AXIS BANK AXIS BANK पर्सनल बैंकिंग कृषि और ग्रामीण बैंकिंग बँक स्मार्ट अप्लाई करें सहायता केंद्र हिंदी % लॉगिन होम रिटेल अकाउंट सेविंग्स अकाउंट 250 से भी अधिक बैंकिंग सेवाओं के नए रास्ते है Open पेश है Axis ASAP डिजिटल सेविंग्स अकाउंट आवेदन करे लागू +1 सेविंग्स अकाउंट एक्सिस बैंक अपने ग्राहकों को विभिन्न विशेषताओं और लाभों के साथ सेविंग्स अकाउंट की एक विस्तृत श्रृंखला से चुनने का विकल्प प्रदान करता है। सेविंग्स अकाउंट को जीवन के सभी क्षेत्रों के लोगों की बैंकिंग जरूरतों को पूरा करने के लिए डिज़ाइन किया गया है। प्रत्येक सेविंग्स अकाउंट उच्च ट्रांजेक्शन्स सीमा, मुफ्त चेक बुक आदि जैसी अनूठी सुविधाएँ प्रदान करता है। ऑफर और छूट में शामिल हैं मूवी टिकट, एक्सिस EDGE रिवॉर्ड्स से लेकर आपातकालीन मात्रा भत्ते और बहुत कुछ है। इन सभी सुविधाओं, ऑफर और छूट का आनंद लेने के लिए सेविंग्स अकाउंट के लिए आवेदन करें। आप नीचे विभिन्न एक्सिस बैंक सेविंग्स अकाउंट्स का विस्तृत विवरण पा सकते हैं। https://www.axisbank.com/hindi 27#285. Serving the Community 320 AXIS BANK 28#29Serving the Community Scaling positive impact across communities across the country Sustainable Livelihoods Financial Inclusion & Financial Literacy Education AXIS BANK Environmental Sustainability Our flagship program aimed at making rural communities self-reliant and resilient, driven by the Axis Bank Foundation Committed to reaching 2 million households by 2027. 1.03 Million households reached in 205 districts across 26 states and Union Territories of the country cumulatively as on 31 March, 2022 Financial literacy interventions under 'Axis Sahyog', the Bank's Retail Microfinance program 1.37 Million rural women participants reached in FY22 Pan-India interventions in partnership with CSC Academy, NISM and other partners . Axis DilSe, our flagship program supports education-led development in Assam, Manipur, Nagaland, Sikkim, Odisha, and Arunachal Pradesh. Axis Bank Centre for Mathematics and Computing being set up at Indian Institute of Science, Bangalore Axis Bank Scholarship Program underway at Ashoka University and Plaksha University Committed to plant 2 million saplings by 2024 (fully growing trees by 2027) across India Supporting biodiversity conservation and habitat restoration at national parks and wildlife sanctuaries Miyawaki plantations on reclaimed urban sites 29 29#30Pending#31• Axis Bank Foundation AXIS BANK Registered as a charitable trust in 2006, Axis Bank Foundation (ABF) works towards making rural communities self-reliant through its Sustainable Livelihoods Programme. Axis is committed to Mission 2 Million to help 2 million households achieve credible paths to sustainable livelihoods by 2027. The CSR contribution from Axis Bank & Subsidiaries is utilized towards supporting economically excluded rural communities. Focus Areas Increasing Agricultural Productivity Promoting Micro Enterprises Access to Finance Watershed Management Providing Market Linkages Skill Development for Youth and PwDs Read more about the Foundation on its website www.axisbankfoundation.org#326. The Future of Work AXIS BANK 32 2#33Pending#34The Future of Work Committed to building a fair, diverse and performance-driven culture driven by the Axis Values Moving Towards the Future of Work AXIS BANK We launched the GIG-A Opportunities in FY 2021, and industry-leading hybrid work model expanding our access to skilled professionals anywhere in India GIG-A Opportunities: Of total hires in alternate format, 59% are non-banking background and 31% are non-metro hires • GIG-A Anywhere - Over 3,600 employees in 100% virtual format • New Ways of Working: ~12,000 employees in Hybrid model across India Engaging Employees Meaningfully • Comprehensive "With You" COVID-19 support program with enhanced support towards employee safety, counselling, healthcare access & insurance coverage Axis Values Realizers initiative to align each employee to the Axis Values Committed to 360° Learning and Development . Employee Strength As on March 31st 85,815 78,307 74,140 FY 20 FY 21 FY 22 Gender Diversity 2021-22 24.7 75.3 76.6 The Bank has consciously moved away from episodic learning interventions to integrated learning journeys 2020-21 23.4 Mandatory training of employees in critical areas including compliance, information security awareness, Code of Conduct and Ethics 76.4 2019-20 23.6 Axis Competency Profiler – to test functional competency of employees with 350+ profiles ■Male Female 34#35#Come As YouAre - Diversity, Equity and Inclusion AXIS BANK Axis Bank's commitment to Diversity, Equity and Inclusion (DEI) focuses on building an organizational culture that goes Beyond the Binary, Beyond Biases, Beyond Abilities and Beyond Stereotypes - • The Bank's Diversity, Equity and Inclusion Policy was launched in 2021 towards building an inclusive workplace . • 30% female representation committed by the bank in the workforce by 2027 Axis Women in Motion (WIM) campaign launched across college campuses to directly engage and inspire women students #HouseworkisWork hiring program for women amidst a break in their careers. 3000 applications were received • Pink Catalyst - Internal hiring program exclusively for women We Lead leadership hiring program for women from India's top business schools #ComeAsYouAre Ms. Mx. Mr. • • In Sept '21, the Bank launched 'ComeAs YouAre'; a Charter of policies and practices for employees and customers from the LGBTQIA+ community The charter of policies and practices is a first in the Indian Banking sector Customers can now opt for the Gender Neutral title Mx. 35#36DE&I - Pioneering Change AXIS BANK Axis Bank strives to build an inclusive culture that is rich in diversity where differences are celebrated and all employees experience a sense of belonging irrespective of where they come from. Putting the Bank's DE&I commitment into practice: • • 3 women directors on the Board which taking the Board women representation ratio to 21%. The Chairperson of the Nomination and Remuneration Committee (NRC) is also a woman. • 'Astros & Ahead': A gender balanced representation has been ensured in internal talent programs 'Astros (32% female representation) and Ahead (53% female representation) These programs are for employees (junior to mid management) who meet the eligibility criteria and clear the selection process, based on their performance and merit National Coming Out Day Fair: The job walk-in fair drive received 1431 walk in applications across 15 Tier 1 and Tier 2 cities 36#37Pending#38Pending#39Thank You THE ASIAN BANKER® EXCELLENCE IN RETAIL FINANCIAL SERVICES INTERNATIONAL AWARDS Awarded the 'Most Recommended Retail Bank in India' and 'Most Helpful Bank during Covid-19 in India' 人 AXIS BANK

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