#1D IndusInd Bank Investor Presentation Q4-2020-21 April 30, 2021#2Q4 - FY21 Performance Highlights Steady operational metrics in Q4 FY21 PPOP at Rs. 3,129 crs, grew by 10% YoY; PPOP / Assets at 3.68% ➤ NII at Rs. 3,535 crs; up by 9% YoY. NIM at 4.13% and Fee Income back to pre-Covid levels Consol PAT at Rs. 926 crs up by 194% YoY and 12% QoQ ➤ PCR stands at 75%; Total loan related provisions at 122% of GNPA and 3.33% of loans > Loan book quality stable; GNPA and NNPA for Q4FY21 at 2.67% and 0.69% respectively ➤ CRAR at 17.38% post promoters contribution of Rs. 2,021 crs at Rs. 1,709 per share Cost / Income at 41.13% (42.90% LY) amid continued investment in network & digital augmentation Liquidity Coverage Ratio (LCR) stands at 145%, ➤ Healthy growth in deposit (+27%) with 9,907 crs increase in retail LCR deposits QoQ & CASA (+31%) ➤ Client base at 28 million 2 Indusind Bank#3How We Measure Up On Key Metrics Net Interest Margin (NIM) 4.25% 4.28% 4.16% 4.12% 4.13% ROA 1.05% 1.09% 0.85% 0.69% 0.42% ROE 8.88% 8.35% 7.12% 5.86% 3.69% Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Cost / Income Net NPA Revenue/Employee (Rs Lakhs) 42.90% 40.98% 41.34% 41.13% 0.91% 0.86% 39.38% 0.52% 0.22% 0.69% Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 65 Q4FY20 Consistent delivery of strong operating performance 3 69 49 66 69 64 12 72 Q1FY21 Q2FY21 Q3FY21 Q4FY21 IndusInd Bank#4Ratings Domestic Rating: CRISIL AA + for Infrastructure Bonds program CRISIL AA for Additional Tier I Bonds program CRISIL A1+ for certificate of deposit program / short term FD programme IND AA+ for Senior bonds program by India Ratings and Research IND AA for Additional Tier I Bonds program by India Ratings and Research IND A1+ for Short Term Debt Instruments by India Ratings and Research International Rating: Ba1 for Senior Unsecured MTN programme by Moody's Investors Service 4 IndusInd Bank#5Consolidated Financial Performance 5 IndusInd Bank#6Steady Headline Numbers for Q4 FY21 Net Interest Income Rs. 3,535 crs Rs. 1,780 crs Total Fee Income Y-o-Y Growth Q-0-Q Growth 9% 4% 8% Rs. 5,315 crs 6% 5% Revenue Operating Profit Rs. 3,129 crs 10% 6% Net Profit Rs. 926 crs 6 194% 12% IndusInd Bank#7Top line momentum Y-o-Y Growth Q-0-Q Growth Advances Rs. 2,12,596 crs 3% 3% Deposits Rs. 2,55,870 crs 27% 7% CASA Rs. 1,06,791 crs 31% 10% TD Rs. 1,49,079 crs 24% 5% Borrowings Rs. 51,323 crs (16%) 6% 7 IndusInd Bank#8Balance Sheet (Rs Crs) Q4FY21 Q4FY20 Y-0-Y (%) Q3FY21 Q-0-Q (%) Capital & Liabilities Capital 773 694 12% 757 2% Reserves and Surplus 42,727 33,381 Share Warrant Subscription money 28% 674 (100%) 39,100 9% 674 (100%) Deposits 2,55,870 2,02,027 27% 2,39,135 7% Borrowings 51,323 60,754 (16%) 48,622 6% Other Liabilities and Provisions 12,210 9,700 26% 13,158 (7%) Total 3,62,903 3,07,230 18% 3,41,446 6% Assets Cash and Balances with RBI 17,957 Balances with Banks 38,652 Investments 69,653 Advances Fixed Assets Other Assets 2,12,596 1,876 22,169 13,683 31% 2,372 1530% 59,938 16% 2,06,783 3% 1,871 22,583 (2%) 8,165 120% 42,612 (9%) 61,057 14% 2,07,128 3% 1,878 20,606 8% Total 3,62,903 Business (Advances + Deposit) 4,68,466 3,07,230 18% 4,08,810 15% 3,41,446 6% 4,46,263 5% 8 Indusind Bank#9Profit and Loss Account - Q4 FY21 (Rs Crs) Q4FY21 Q4FY20 Y-0-Y (%) Q3FY21 Q-0-Q (%) Net Interest Income 3,535 3,232 9% 3,406 4% Other Income 1,780 1,773 1,646 8% Total Income 5,315 5,005 6% 5,052 5% Operating Expenses 2,186 2,148 2% 2,088 5% Operating Profit 3,129 2,857 10% 2,964 6% Provisions & Contingencies 1,866 2,440 (24%) 1,854 1% Profit before Tax 1,263 416 203% 1,110 14% Provision for Tax 337 101 233% 280 20% Profit after Tax 926 315 193% 830 12% 9 Indusind Bank#10Profit and Loss Account - FY FY21 (Rs Crs) FY FY21 FY FY20 Y-0-Y (%) Net Interest Income 13,528 12,059 12% Other Income 6,501 6,953 (6%) Total Income 20,029 19,011 5% Operating Expenses 8,157 8,183 Operating Profit 11,872 10,829 10% Provisions & Contingencies 7,943 4,652 71% Profit before Tax 3,929 6,177 (36%) Provision for Tax 999 1,719 (42%) Profit after Tax 2,930 4,458 (34%) 10 Indusind Bank#11Key Financial Indicators FY21 Q4FY21 Q4FY20 Q3FY21 FY20 Return on Assets 0.93% 1.09% 0.42% 1.05% 1.56% PPOP/Average Assets 3.75% 3.68% 3.84% 3.74% 3.79% Return on Equity 7.55% 8.88% 3.69% 8.35% 14.67% Cost Income Ratio 40.73% 41.13% 42.90% 41.34% 43.04% Net Interest Margin 4.17% 4.13% 4.25% 4.12% 4.14% Net NPA 0.69% 0.69% 0.91% 0.22% 0.91% EPS (annualized, Rs. per share) 40.03 48.44 18.19 43.90 64.33 Capital Reserves (Excl. Revaluation Reserve) 43,187 43,187 34,428 40,215 34,428 (Rs. in crs) 11 IndusInd Bank#12Well Diversified Loan Book FY19 are not comparable 186,394 due to reclassification of BBG & MFI Loan Book (Rs crs) 206,783 207,128 212,595 44% 61% 39% 56% FY19 FY20 Consumer Finance Division 42% 43% Corporate & Commercial Banking Consumer Finance (Rs crs) Mar-21 58% 57% Vehicle Loans Comm. Vehicle Loans 61,313 29% 23,600 11% Dec-20 Mar-21 Utility Vehicle Loans 4,988 2% Small CV 3,411 2% Small Corporates 2% Two Wheeler Loans 5,644 3% Car Loans 7,946 4% Tractor 6,653 3% Vehicle Finance 29% Equipment Financing Non-Vehicle Loans Business Banking Loan Against Property Credit Card 9,071 33,881 16% 11,772 5% 4% Non Vehicle Retail 16% BL, PL, AHL, Others Microfinance Total Advances 9,003 4% 4,536 8,570 5% 26,383 12% 121,577 57% 2% (Rs crs) Corporate Mar-21 Banking Large 42,297 20% Corporates Mid Size Corporates 20% Mid size 42,424 20% Corporates Small 6,297 3% Corporates Total Advances 91,018 43% Large Corporates 21% Microfinance 12% 201 IndusInd Bank#13Diversified Corporate Loan Book 13 Sector % ■Gems and Jewellery 3.80% ■Real Estate - Commercial and Residential 3.30% Lease Rental 3.25% NBFCs (other than HFCs) 3.14% Steel 2.94% Power Generation - Non Renewable 1.51% Power Generation - Renewable 1.41% Food Beverages and Food processing 1.07% Housing Finance Companies 1.01% Services 1.00% Other Industry 20.38% Corporate Banking 42.81% Consumer Banking 57.19% Total 100.00% IndusInd Bank#14Well Rated Corporate Portfolio 26% PERCENT 24% 22% Investment Grade 20% 18% F по 16% RATED 14% PORTFOL O 12% 10% 8% 6% 4% Sub Investment Grade Unsecured Non Fund Based % Secured Non Fund Based % Unsecured Fund Based % Secured Fund Based % IndusInd Bank 0% IB1 (AAA) IB2+ IB2 (AA) IB2-(AA-) IB3+ (A+) IB3 (A) IB3- (A-) (AA+) IB4+ (BBB+) IB4 (BBB) IB4- (BBB-) IB5+ (BB+) IB5 (BB) IB5- (BB-) IB6 (B) IB7 (C) IB8 (C) NPA (D) 2% 14#15Improving Deposit Profile Expanding branch network Focus on target market segments ➤ Growth driven by retail customer acquisitions ➤ Scaling up new businesses - Affluent and NRI CASA 41.7% 40.4% 40.4% 40.0% 40.3% ➤ Leverage BFIL for rural customers ➤ Building Merchant Acquiring Business 106,791 96,646 91,846 81,557 84,473 ➤ Digital Partnerships & Alliances Innovative service propositions Q4FY20 Q1FY21 Q2FY21 Building Brand Recognition across mass consumer base CASA (Rs crs) Q3FY21 % of Total Deposits Q4FY21 Current Account (CA) Savings Account (SA) 26.9% 27.7% 25.0% 26.3% 24.9% 15.1% 15.3% 14.0% 14.1% 13.5% 71,066 64,333 34,773 35,725 57,073 31,946 32,313 52,527 53,130 28,427 Q4FY20 Q1FY21 Q2FY21 CA (Rs crs) Q3FY21 Q4FY21 % of Total Deposits 15 Q4FY20 Q1FY21 SA (Rs crs) Q2FY21 Q3FY21 Q4FY21 % of Total Deposits IndusInd Bank#16Other Income Core Fee Securities/MM/FX Trading/Others Total (Rs Crs) Q4FY21 Q4FY20 Y-0-Y (%) Q3FY21 Q-0-Q (%) 1,508 1,390 8% 1,389 9% 273 383 (29%) 257 6% 1,781 1,773 16 1,646 8% IndusInd Bank#17Diverse Revenues from Core Fee Income (Rs Crs) Q4FY21 Q4FY20 Y-0-Y(%) Q3FY21 Q-0-Q(%) FY 21 FY 20 Y-0-Y(%) Trade and Remittances 219 189 16% 183 20% 751 720 4% Foreign Exchange Income 269 248 9% 268 879 1,016 (13%) Distribution Fees 399 367 9% 370 8% 1,256 1,338 (6%) (Insurance, MF, Cards) General Banking Fees* 200 87 130% 188 6% 630 481 31% Loan Fees 357 356 301 19% 968 1,442 (33%) Investment Banking 64 143 (55%) 79 (19%) 195 788 (75%) Total Core Fee Income 1,508 1,390 8% 1,389 9% 4,679 5,785 (19%) * Includes PSLC Income of Rs. 52 cr for Q4FY21, Rs. 7 crs for Q4FY20 and Rs. 59 cr for Q3FY21 17 IndusInd Bank#18Diversified and Granular Fee Streams - Q4 FY21 Corporate Banking (27%) Loan Processing - Investment Banking - Project Finance / Advisory, 1% Investment Banking - Loan Syndication, 2% Investment Banking - Structured Finance1% Loan Processing - Medium Corp, 1% Small Corp, 0% Consumer Banking (57%) Trade and Remittances, 2% Trade and Remittances 13% Foreign Exchange, 7% Foreign Exchange, 5% Distribution 22% Loan Processing - Large Corp, 2% Securities/MM/FX Trading/Others, 16% General Banking, 8% PSLC, 4% 18 Loan Processing 16% Trading and Other Income (16%) IndusInd Bank#19Yield / Cost Movement 8.67% 11.78% 5.03% 4.54% Q4FY21 Corporate Bank Consumer Finance Total 8.86% 11.67% 5.34% 4.74% Q3FY21 Yield on Assets Yield on Advances Cost of Deposits Cost of Funds •Yield on Assets/Cost of funds are based on Total Assets/Liabilities Outstanding (Rs crs) Segment-wise Yield Q4FY21 Yield (%) Q3FY21 Outstanding (Rs crs) Yield (%) 91,018 8.42% 88,482 8.35% 121,577 14.27% 1,18,646 14.08% 2,12,595 11.78% 2,07,128 11.67% 19 IndusInd Bank#20Loan Related Provisions held as on March 31, 2021 Specific provision of Rs. 3,488 crs (towards PCR) Floating provisions of Rs. 70 crs other than related to COVID-19 (towards PCR) Counter-cyclical provision of Rs. 760 crs (towards PCR) Standard contingent provisions of Rs. 1,600 crs surplus outside PCR Standard asset provision of Rs. 1,009 crs other than related to COVID-19 Other provisions of Rs. 150 crs on standard assets Provision Coverage Ratio at 75% and total loan related provisions at 122% of GNPA Loan related provisions are 3.33% of the loans 20 20 IndusInd Bank#21Credit Cost FY18 FY19 FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 (Rs Crs) FY21 Corporate Bank Consumer Finance 468 2,134 1,893 907 419 238 542 2,106 433 585 1,136 259 201 187 2,044 2,691 Gross Credit Costs 901 2,719 3,029 1,166 620 425 2,586* 4,797 Gross Credit Costs 62 146 146 59 31 21 122 226 (Basis Points on Advances) Net Credit Cost 856 2,689 2,973 1,157 602 407 2,574 4,740 Net Credit Costs (Basis Points on Advances) PCR 59 144 144 58 30 20 121 223 56% 43% 63% 67% * Of which Rs. 1,535 crores of standard provisions reclassified as credit costs towards prof-forma NPAs as of Dec-2020 77% 87% 75% 75% 22% 38% 32% 44% 48% 55% 56% 79% 78% 62% 68% 56% 52% 44% 45% 21% FY18 FY19 FY20 Corporate Loan Book Q1FY21 Q2FY21 Q3FY21 Q4FY21 FY21 Consumer Finance Loan Book 21 IndusInd Bank#22Loan Portfolio - Movement in NPA and Restructured Advances Rs cr Corporate Q4FY21 Consumer Q3FY21 Total Corporate Consumer Total Opening Balance 2,231 1,420 3,651 2,930 1,602 4,532 Proforma NPA as on Dec 31,2020 413 2,095 2,508 Proforma Opening Balance 2,644 3,515 6,159 Fresh Additions during Q4FY21 2,235 1,594 3,829 - Business as Usual Additions 336 1,594 1,930 - OTR / Technical Slippages Deductions -Write-offs -Upgrades -Recoveries Gross NPA Net NPA % of Gross NPA 1,899(a) 1,899 2,079 2,114 4,193 735 205 940 144 1,206 1,350 1,602 (b) 273 1,875 333 635 968 (c) 2,800 2,995 5,795 2,231 1,420 3,651(b) 1,477 464 2.67% 1.74% % of Net NPA 0.69% 0.22% Provision Coverage Ratio (PCR) Restructured Advances 2.01% (1.8% Pandemic Related) (a) Includes Rs 1,067 crores towards two groups in retail and construction and being restructured (b) Relates to the OTR/ Technical Slippages and upgraded during the quarter; balance OTR / technical slippages likely to be upgraded in Q1FY21 (c) Sale to ARC Rs. 830 crs (Nil); Net SR outstanding at 52 bps 75% 87% 0.76% 22 IndusInd Bank#23NPA Composition - Consumer Finance (Rs Crs) Q4 FY21 Com. Vehicle Utility Const. Small Equip. CV TW Cars Tractor BBG/LAP HL/PL/ Others Cards MFI Total Gross NPA 717 67 107 100 392 105 79 709 247 73 399 2,995 Gross NPA % 3.00% 1.34% 1.18% 2.88% 6.73% 1.31% 1.17% 3.36% 2.84% 1.58% 1.49% 2.43% Q3 FY21 Com. Vehicle Utility Const. Small Equip. CV TW Cars Tractor BBG/LAP HL/PL/ Others Cards MFI Total Gross NPA 378 46 68 58 189 56 43 188 31 10 353 1,420 Gross NPA % 1.58% 0.97% 0.78% 1.60% 3.08% 0.71% 0.70% 0.90% 0.37% 0.18% 1.51% 1.18% Note: Q3 FY21 numbers are not comparable due to Honourable Supreme Court Embargo on recognition of NPA 23 23 IndusInd Bank#24Strong Balance Sheet & Profitability Buffers in Place Capital Adequacy Credit Risk, CVA and UFCE Market Risk Operational Risk Total Risk Weighted Assets (Rs. in Crores) Pre Provision Operating Profit Margin 31 Mar 21 31 Dec 20 6.0% 5.8% 5.7% 5.8% 5.5% 5.7% 4.9% 2,30,602 2,28,995 2.4% 3.6% 9,190 8,105 1.9% 3.6% 3.9% 3.8% 4.5% 33,120 28,353 2,72,912 2,65,453 3.0% 3.1% 2.2% 2.4% 1.8% 1.9% 1.3% FY19 Core Equity Tier 1 Capital Funds 42,433 39,522 Additional Tier 1 Capital Funds 3,490 3,490 FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 FY21 ■PBT/Loans Total Provisions/Loans ■PPOP/Loans Liquidity Coverage Ratio Tier 2 Capital Funds 1,510 1,918 156% 145% 140% Total Capital Funds 47,433 44,930 124% 111% 112% 100% 100% CRAR CET1 Tier 1 Tier 2 * CRAR and CET1 includes 9M FY21 PAT 17.38% 16.93%* 90% 80% Minimum Required 15.55% 14.89%* 16.83% 16.20% 0.55% 0.72% Mar-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 LCR Min 24 IndusInd Bank#25Distribution Expansion to Drive Growth Bank Branches and ATMs Bharat Financial Inclusion Ltd. Branches & Outlets Consumer Finance Division Branches & Outlets Strengthening Distribution Infrastructure Mar 31, Jun 30, Sep 30, Dec 31, Mar 31, Particulars 2020 2020 2020 2020 2021 Branches/Banking 1,911 1,911 1,910 1,915 2,015 Outlets BFIL Branches 2,071 2,079 2,144 2,249 2,289 Vehicle Finance 853 854 841 840 828 Marketing Outlets Total 4,835 4,844 4,895 5,004 5,132 ATMs 2,760 2,721 2,785 2,835 2,872 *includes 208 specialized branches and 155 Banking outlets 25 25 • Branch/Representative Office London Dubai Abu Dhabi Indusind Bank#26Digital Business Mix continues to grow on the back of seamless digital onboarding journeys powered by "IndiaStack" across products Non Resident Savings 66 95 % 36% Fixed Current Deposits Account Mutual Funds (IndusSmart) Personal Loans Insurance (Life+Non Life) Credit Cards 93% 66% Indusind Bank Indusind Bank Indusind Bank Open an NRI savings account online today RESERVE YOUR ACCOUNT NUMBER BOOK YOUR FIXED DEPOSIT IN JUST 3 SIMPLE STEPS New Application Continue Application Enter your mobile number Track your Application Status Indushd Bank GIVE YOUR SAVINGS A SMART PUSH. EMPOWER YOUR BUSINESS 7% 7.5 Book the WITHOUR CURRENT ACCOUNTS 91 Enter your details and get started My ACCOUNT My NUMBER Your mobile no. automatically becomes your account number. You may change it to any other 10 digit number of your choice Your account number is 15 CONTINUE First Name Last Name Email ID Country Code Please Sele Mobile Number GENERATE OTP New to Indusind Bank o Indusind Bank? Co Customer 93... Portfolio Details AA IndusSmart-Signup 5:53 39... easycredit.indusind.com Ceasy CREDIT Indusind Bank Do it all to your heart's content With easy and instant credit from Indusind Bank Choose your desired option to login Welcome Page Personal Details Declaration Terms and Indusnet Lagin Conditions I would like to invest ₹10000 Birth Place* for 1 year/s and month/s with DELHI Name of authorised signatory a re-investment option 10718.59* REGULAR To earn interest a 7% Name of Firm Birth Country* INDIA Nature of business SELECT & CONTINUE >> Email ID % Digital Sourcing for respective product Occupation* FATCA Declaration 503/1823 Two / Four Wheeler Loan Relationship Loan Against 91... 37% QUOTATION PREMIUM AND BENEFIT CALCULAT AA ACQUIRE Inga 0 P 5:53 4G easycredit.indusind.com Ceasy CREDIT Indusind Bank EU Do it all to your heart's content With easy and instant credit from Indusind Bank Choose your desired option to login Loan Relationship = Two / Four Wheeler Loan Against Property ACQUIRE 。 田 E 26 Q4 FY 21 IndusInd Bank#27Digital Transaction Mix continues to grow with 91% of transactions happening digitally and 63% of service requests processed digitally Overall Digital Transaction mix at 91% up from 84% by volume 92% 90% 88% 86% 84% 82% 84% 80% Q4-FY20 64% 62% 60% 58% 56% 91% 54% Q4-FY21 Digital service requests* (% of total SRs) increased to 63% reducing cost to serve 52% 54% 50% 48% Q4-FY20 *Includes service requests such as email statement, debit card hot listing, pin generation, etc; ^other channels includes branch, contact centre, ATMs 27 63% Q4-FY21 IndusInd Bank#28User Base and Transaction Volumes continue to show healthy growth across channels Mobile App User Base increased 39% Indexed User Base 150 39% Average monthly mobile banking transactions grew 1.35X YOY 2.5 Mn 2 1.35X 100 50 50 100 0 Q4-FY 20 1.5 139 1 0.5 1.01 0 Q4-FY21 Q4-FY 20 Whatsapp (WA) Banking user base increased 2.8X 400 Indexed User Base 300 200 100 0 100 Q4-FY 21 2.38 Q4-FY21 Whatsapp (WA) Banking conversations increased 6X Indexed Conversations 700 600 500 2.8X 380 400 300 200 100 100 Q4-FY21 0 Q4-FY 20 Basis average monthly run rate for the respective quarter; user base as of end of quarter 28 6X 600 Q4-FY21 IndusInd Bank#29Key Platforms and Digital Client Value Propositions going live shortly Easycredit for Individuals Indus easy CREDIT #No More Hassles Get Instant Personal loan or Credit Card to fulfil your dream www. Digital Online Process Instant Verification Quick Disbursal In Minutes Get It Now End to end digital journey for Personal Loans & Cards with: KYC/AML checks Employment verification Machine • Learning led underwriting Bank Statement Analyzer Video KYC • E-Nach E-agreement Easycredit for Businesses End to end digital journey for Small Ticket Business Loans leveraging: 12:30 Indus small TICKET 1/3 Getting Started Next: Provide Information • GST . Hi, help us know you better Banking • Bureau • Digital Underwriting Name of business as per PAN Maha Textiles Pvt. LTD Name of proprietor as per PAN • Sarath Kumar Select business address" Type something Address 1 3rd Floor, Pal Heights, Road Number 3, Financial District Hyderabad 500034, Telangana Address 2 201 A Manja Manjhi Apartments, 32 Street, Nallappe Hils Hyderabad-500034, Telangana Address 3 • • • Video PD KYC/Fraud/ AML checks E-agreement E-stamping . E-nach Copyright ©2020 Indusind Bank - EasyCredit. • E-stamping NEXT 29 29 9:41 Indus Merchant Solutions Indusind Bank Today Week Monch Year Sales Summary CB Jan 2321 325K RICK 334,540 5:38 PM 03 Ja 86 9318 12PM 3 PM 6PM 9 PM +10% sa dan terda Transaction (231 *10,20,450 Settlement (12) > * 5,34,983 Quick Links 12.4M One of its kind value proposition for merchants and retailers Digital First Unified stack for payments, banking, lending and other value added services E Krata UP OR Fund Tranets View Belance Ra P [n] Have 111 Barding Start Sale Service Reg Laars IndusInd Bank#30Shareholding Pattern Paid up Capital as of March 31, 2021 MFs / Banks/ Insurance Co, 16.32% Promoters,# 14.92% Private Corporates, 2.70% NRIs/ Director/ Individuals, 9.38% Others, 2.72% GDR issue, 8.06% Fils,* 45.90% *includes FPIS # 14.92% with diluted capital including warrants/ESOP 30 IndusInd Bank#31Planning Cycle 5 - FY21 Update 31 IndusInd Bank#32- Scale with Sustainability – Strengthened Balance Sheet FY20: 102% FY21: 83% Credit to Deposit Ratio <95% FY20: 3.15x FY21: 2.60x Lower Non-Funded to Funded Ratio FY20: 63% FY21: 75% PCR >65% CRAR FY20: 15.04% FY21: 17.38% Unsecured Retail <5% Certificates of Deposits 5%-10% FY20: 16% FY21: 3% Retail LCR Deposits 45%-50% FY20: 31% FY21: 37% FY20: 4.3% FY21: 4.1% IndusInd Bank#33PC5 Strategic Priorities 1. Retail Liabilities Surge 5. New Growth Boosters Underpinned by 6. Digitization & 7. Sustainability 2. Fine-tuning Corporate Bank Approach 4. Scaling up Domains 3. Holistic Rural Banking 33 339 IndusInd Bank#341. Retail Liabilities Surge - Improved Retail Mix Retail Deposits as per LCR 100 153 Mar-20 Mar-21 Term Deposits < 2 cr 100 175 Mar-20 Mar-21 Indexed to Mar-20 34 == Certificates of Deposits 100 Mar-20 22 Mar-21 Deposits Sourced by Consumer BU 100 Mar-20 140 Mar-21 IndusInd Bank#352. Fine-tuning Large Corporate Bank Approach - Proactive Steps Yielding Results BBB and below Exposures Tenure > 3 Years 100 Mar-20 77 Mar-21 Top 20 Exposures (Fund + Non Fund) 100 84 Mar-20 Mar-21 100 Mar-20 Granular Fees Trade & Remittances 25% 76 Mar-21 38% FX 25% 34% Investment Banking 34% 13% ■Loan Processing Fee 16% 15% FY20 FY21 A and Above Rated Clients accounted for 81% of FY21 and 95% of Q4FY21 New Disbursements Indexed to Mar-20 35 IndusInd Bank#363. Holistic Rural Banking - Leveraging BFIL & Vehicle Distribution Rural Focused Loans SA and RD Accounts in Microfinance (lacs) KCC Tractors 14% Mar-20 17% of Loans Agri Business Group Microfinance Bharat Money Stores 3,709 14,883 Mar-21 51,000 FY19 FY20 FY21 19% of Loans 36 8 53 63 FY21 FY19 FY20 Merchants Acquired by BFIL 170,000 7,900 600 FY19 FY20 FY21 IndusInd Bank#374. Scaling up Domains - Loan Growth Driven by Areas of Expertise Others 57% FY20 Vehicle Finance 27% Microfinance 12% Diamonds Finance 4% Others 55% FY21 Vehicle Finance 29% Microfinance 12% Diamonds Finance 4% 37 52 IndusInd Bank#385. New Growth Boosters - Scaled PC-5 and PC-4 New Initiatives Affluent Banking (Rs cr) Net Relationship Value NRI Banking (Rs cr) Deposits 32,076 24,193 FY19 FY20 Tractor Finance (Rs cr) 4,670 3,520 50,903 19,506 14,420 FY21 FY19 6,653 FY19 FY20 FY21 38 553 FY20 25,706 FY21 Affordable Housing (Rs cr) 1,313 1,790 FY19 FY20 FY21 IndusInd Bank#3939 309 Appendix IndusInd Bank#40CV Portfolio - As per a Leading Bureau 25 20 15 10 10 5 60+ Delinquency 6 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20 June'20 Sep'20 Dec'20 DEC'19 Mar'20 June'20 Sep'20 Dec'20 IBL Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#41CE Portfolio - As per a Leading Bureau 16 14 12 10 8 6 4 2 60+ Delinquency 5 4.5 4 3.5 3 2.5 2 1.5 1 0.5 90+ Delinquency 0 0 DEC'19 Mar'20 June 20 Sep'20 Dec'20 DEC'19 Mar'20 June 20 Sep'20 Dec'20 IBL -Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#42PV Portfolio - As per a Leading Bureau 12 10 8 6 4 2 60+ Delinquency 1.8 1.6 1.4 1.2 1 0.8 0.6 0.4 0.2 90+ Delinquency 0 0 DEC'19 Mar'20 June'20 Sep'20 Dec'20 DEC'19 Mar'20 June 20 Sep'20 Dec'20 IBL Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#43Used PV Portfolio - As per a Leading Bureau 12 10 8 6 4 2 60+ Delinquency 3.5 3 2.5 2 1.5 1 0.5 90+ Delinquency 0 0 DEC'19 Mar'20 June 20 Sep'20 Dec'20 DEC'19 Mar'20 June'20 Sep'20 Dec'20 IBL Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#44Tractor Portfolio - As per a Leading Bureau 18 16 14 12 10 88 6. 4 2 60+ Delinquency 6 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20 June 20 Sep'20 Dec'20 DEC'19 Mar'20 June'20 Sep'20 Dec'20 IBL Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#45TW Portfolio - As per a Leading Bureau 16 14 12 10 8 6 4 2 60+ Delinquency 8 7 6 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20 June 20 Sep'20 Dec'20 DEC'19 Mar'20 June'20 Sep'20 Dec'20 IBL Industry IBL Industry Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#46Microfinance - As per a Leading Bureau As of Feb 2021 100 50 Industry 100 IBL 100 ELL 34 30DPD 60DPD 90DPD 31#47Accolades H7 47 IndusInd Bank#48Awards and Accolades IndusInd Bank retains its top position in Carbon Disclosure Project (CDP) 'A' list for 6th Consecutive year CDP DISCLOSURE INSIGHT ACTION 48 IndusInd Bank#49Awards and Accolades IndusInd Bank has been included in the S&P DJSI Sustainability Yearbook. IndusInd Bank is the only Indian bank and one of the 55 banks globally to be included in the Yearbook. The Bank is one of 21 Indian companies to be a part of the Yearbook. 49 The Sustainability Yearbook 2021 Tackling parity, plastics and petroleum -reflecting on values, anticipating risks and identifying opportunities S&P Global ROBECO IndusInd Bank#50Thank You 50 50 IndusInd Bank#51Disclaimer 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 particular person. 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. 51 IndusInd Bank