#1D IndusInd Bank Investor Presentation Q1-2021-22 July 27, 2021#2Q1 - FY22 Performance Highlights Stable financial performance despite Covid 2nd wave PPOP at Rs. 3,185 crs, grew by 9% YoY; PPOP / Assets at 3.67% NII at Rs. 3,564 crs; up by 8% YoY. NIM at 4.06% and Fee Income grew 18% YoY Consol PAT at Rs. 1,016 crs up by 99 % YoY and 10% QoQ ➤ PCR stands at 72%; Total loan related provisions at 123% of GNPA and 3.60% of loans Loan book quality stable; GNPA and NNPA for Q1FY22 at 2.88% and 0.84% respectively CRAR at 17.57%; well capitalized with adequate liquidity buffers ➤ Cost / Income at 40.48% (39.38% LY) amid continued investment in network & digital augmentation ➤ Liquidity Coverage Ratio (LCR) remains healthy at 146% ➤ Healthy growth in deposit (+26%) with 9,926 crs increase in retail LCR deposits QoQ & CASA (+33%) ➤ Client base at 29 million 2 Indusind Bank#3How We Measure Up On Key Metrics Net Interest Margin (NIM) 4.28% 4.16% 4.12% 4.13% 4.06% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Cost Income ROA 1.09% 1.17% 1.05% 0.85% 0.69% ROE 8.88% 9.30% 8.35% 7.12% 5.86% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q1FY21 Net NPA Q2FY21 Q3FY21 Q4FY21 Revenue/Employee (Rs Lakhs) Q1FY22 40.98% 41.34% 41.13% 40.48% 39.38% 0.86% 0.52% 0.22% 0.84% 0.69% Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 64 66 69 69 72 71 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Consistent delivery of strong operating performance 3 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 Q1 FY22 Net Interest Income Rs. 3,564 crs Y-o-Y Growth Q-0-Q Growth 8% Total Fee Income Rs. 1,788 crs 18% 1% Revenue Rs. 5,352 crs 11% 1% Operating Profit Rs. 3,185 crs 9% 2% Net Profit Rs. 1,016 crs 6 99% 10% IndusInd Bank#7Top line momentum Y-o-Y Growth Q-0-Q Growth Advances Rs. 210,727 crs 6% (1%) Deposits Rs. 267,233 crs 26% 4% K CASA Rs. 112,349 crs 33% 5% TD Rs. 154,884 crs 22% 4% Borrowings Rs. 49,294 crs (17%) (4%) 7 IndusInd Bank#8Balance Sheet (Rs Crs) Q1FY22 Q1FY21 Y-0-Y (%) Q4FY21 Q-0-Q (%) Capital & Liabilities Capital 774 694 12% 773 Reserves and Surplus 43,774 34,134 Share Warrant Subscription money 28% 674 (100%) 42,727 2% Deposits 267,233 2,11,265 26% 2,55,870 4% Borrowings 49,294 59,196 (17%) 51,323 (4%) Other Liabilities and Provisions 11,921 11,953 - 12,210 (2%) Total 372,996 3,17,916 17% 3,62,903 3% Assets Cash and Balances with RBI 11,876 7,621 56% 17,957 (34%) Balances with Banks 58,884 28,497 107% 38,652 52% Investments 68,699 59,596 15% 69,653 (1%) Advances 210,727 1,98,069 6% 2,12,596 (1%) Fixed Assets 1,876 1,855 1% 1,876 Other Assets 20,934 22,278 (6%) 22,169 (6%) Total 372,996 Business (Advances + Deposit) 477,960 3,17,916 17% 4,09,333 17% 3,62,903 3% 4,68,466 2% 8 IndusInd Bank#9Profit and Loss Account - Q1 FY22 (Rs Crs) Q1FY22 Q1FY21 Y-0-Y (%) Q4FY21 Q-0-Q (%) Net Interest Income 3,564 3,310 8% 3,535 1% Other Income 1,788 1,520 18% 1,780 Total Income 5,352 4,830 11% 5,315 1% Operating Expenses 2,167 1,902 14% 2,186 (1%) Operating Profit 3,185 2,928 9% 3,129 2% Provisions & Contingencies 1,844 2,259 (18%) 1,866 (1%) Profit before Tax 1,341 669 101% 1,263 6% Provision for Tax 325 159 105% 337 (3%) Profit after Tax 1,016 510 99% 926 10% 9 Indusind Bank#10Key Financial Indicators Return on Assets PPOP/Average Assets Return on Equity Cost Income Ratio Net Interest Margin Net NPA EPS (annualized, Rs. per share) Capital + Reserves (Excl. Revaluation Reserve) (Rs. in crs) Q1FY22 10 10 Q1FY21 Q4FY21 1.17% 0.69% 1.09% 3.67% 3.95% 3.68% 9.30% 5.86% 8.88% 40.48% 39.38% 41.13% 4.06% 4.28% 4.13% 0.84% 0.86% 0.69% 52.56 29.44 48.44 44,236 35,183 43,187 IndusInd Bank#11Well Diversified Loan Book FY19 are not comparable due to reclassification of BBG & MFI 186,394 Loan Book (Rs crs) 206,765 212,595 210,727 44% 61% 39% 56% 43% 44% FY19 FY20 FY21 Consumer Finance Corporate & Commercial Banking Small Corporates 2% (Rs crs) Corporate Jun-21 Banking Large 44,609 21% Corporates Mid size 43,754 21% Corporates Small 4,044 2% Corporates Total Advances 92,407 44% Consumer Finance 57% (Rs crs) Jun-21 56% Vehicle Loans Comm. Vehicle Loans Jun-21 59,645 28% 22,853 11% Utility Vehicle Loans 4,962 2% Small CV 3,271 2% Two Wheeler Loans 5,115 2% Car Loans 7,764 4% Tractor 6,849 3% Vehicle Finance 28% Equipment Financing Non-Vehicle Loans Business Banking 8,831 4% 32,284 15% 11,223 5% Loan Against Property 8,761 4% Credit Card 4,512 2% Non Vehicle Retail 15% BL, PL, AHL, Others 7,788 4% Microfinance Microfinance 13% Total Advances 26,391 13% 118,320 56% Mid Size Corporates 21% Large Corporates 21% 11 IndusInd Bank#12Diversified Corporate Loan Book 12 Sector % ■Gems and Jewellery 3.85% INBFCs (other than HFCs) 3.78% Lease Rental 3.26% ■Real Estate - Commercial and Residential 3.19% 3.00% Steel Power Generation - Non Renewable 1.64% 1.39% ■Power Generation - Renewable 1.34% Real Estate - Others Housing Finance Companies 1.05% Food Beverages and Food processing 1.01% Other Industry 20.36% Corporate Banking 43.87% Consumer Banking 56.13% Total 100.00% IndusInd Bank#13Well Rated Corporate Portfolio PERCENT 26% 24% 22% Investment Grade 20% 18% 0 F 16% R A 14% T E 12% ADPORTFOLIO 10% 8% 6% 4% Sub Investment Grade Unsecured Non Fund Based % Secured Non Fund Based % ■Unsecured Fund Based % ■Secured Fund Based % 0% + IB1 (AAA) IB2+ (AA+) IB2 (AA) IB2- (AA- IB3+ (A+) IB3 (A) IB3- (A-) ) IB4+ (BBB+) IB4 (BBB) IB4- (BBB-) IB5+ (BB+) IB5 (BB) IB5-(BB-) IB6 (B) IB7 (C) IB8 (C) NPA (D) 2% 13 IndusInd Bank#14Improving 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% 42.0% 40.3% 40.0% 40.4% ➤ Leverage BFIL for rural customers ➤ Building Merchant Acquiring Business 1,12,349 1,06,791 96,646 91,846 84,473 ➤ Digital Partnerships & Alliances Innovative service propositions Q1FY21 Building Brand Recognition across mass consumer base Q2FY21 CASA (Rs crs) Q3FY21 Q4FY21 % of Total Deposits Q1FY22 Current Account (CA) Savings Account (SA) 26.9% 24.9% 25.0% 15.1% 15.3% 13.5% 14.0% 12.1% 27.7% 29.9% 79,928 71,066 34,773 35,725 64,333 31,946 32,313 32,421 57,073 52,527 Q1FY21 Q2FY21 Q3FY21 CA (Rs crs) Q4FY21 Q1FY22 % of Total Deposits 14 Q1FY21 Q2FY21 SA (Rs crs) Q3FY21 Q4FY21 Q1FY22 % of Total Deposits IndusInd Bank#15Other Income Core Fee Securities/MM/FX Trading/Others Total (Rs Crs) Q1FY22 Q1FY21 Y-0-Y (%) Q4FY21 Q-0-Q (%) 1,214 682 78% 1,508 (20%) 574 838 (31%) 273 111% 1,788 1,520 18% 1,781 15 IndusInd Bank#16Diverse Revenues from Core Fee Income (Rs Crs) Q1FY22 Q1FY21 Y-0-Y(%) Q4FY21 Q-o-Q(%) Trade and Remittances 170 116 47% 219 (22%) Foreign Exchange Income 192 155 24% 269 (29%) Distribution Fees (Insurance, MF, 311 174 79% 399 (22%) Cards) General Banking Fees* 188 109 72% 200 (6%) Loan Fees 286 99 189% 357 (20%) Investment Banking 67 29 131% 64 5% Total Core Fee Income 1,214 682 78% 1,508 (20%) * Includes PSLC Income of Rs. 32 cr for Q1FY22, Rs. 39 crs for Q1FY21 and Rs. 52 cr for Q4FY21 16 IndusInd Bank#17Diversified and Granular Fee Streams - Q1 FY22 Corporate Banking (21%) Consumer Banking (48%) Investment Banking - Project Finance Advisory, 0% Investment Investment Banking Banking - Loan - Structured Finance2% Foreign Exchange, 6% Syndication, 2% Loan Processing - Small Corp, 9% Loan Processing - Medium Corp, 1% Loan Processing - Large Corp, 2% Trade and Remittances, 2% Trade and Remittances, 8% Foreign Exchange, 5% Distribution, 17% General Banking, 9% Securities/MM/FX Trading/Others, 31% Loan Processing, 13% Trading and Other Income (31%) PSLC, 2% 17 IndusInd Bank#18Yield / Cost Movement 8.59% 11.75% 4.97% 4.53% Q1FY22 Corporate Bank Consumer Finance Total 8.67% 11.78% 5.03% 4.54% Q4FY21 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 Q1FY22 Yield (%) Q4FY21 Outstanding (Rs crs) Yield (%) 92,407 8.36% 91,018 8.42% 118,320 14.36% 121,577 14.27% 210,727 11.75% 2,12,595 11.78% 18 IndusInd Bank#19Loan Related Provisions held as on June 30, 2021 ☐ ◉ ◉ Specific provision of Rs. 3,596 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. 2,050 crs surplus outside PCR Standard asset provision of Rs. 969 crs other than related to COVID-19 Other provisions of Rs. 150 crs on standard assets Provision Coverage Ratio at 72% and total loan related provisions at 123% of GNPA Loan related provisions of Rs. 7,595 crs are 3.60% of the loans 19 IndusInd Bank#20Credit Cost (Rs Crs) Q1FY22 FY18 FY19 FY20 FY21 Q4FY21 Corporate Bank Consumer Finance 468 2,134 1,893 2,106 542 473 433 585 1,136 2,691 2,044 659 Gross Credit Costs 901 2,719 3,029 4,797 2,586 1,132 Gross Credit Costs 62 146 146 226 122 54 (Basis Points on Advances) Net Credit Cost 856 2,689 2,973 4,740 2,574 1,120 Net Credit Costs 59 144 144 223 121 53 (Basis Points on Advances) PCR 56% 43% 63% 75% 75% 72% 38% 48% 55% 56% 58% 79% 62% 52% 45% 44% 21% Q4FY21 Consumer Finance Loan Book FY18 FY19 FY20 FY21 Corporate Loan Book 20 20 42% Q1FY22 IndusInd Bank#21Loan Portfolio - Movement in NPA and Restructured Advances Rs cr Opening Balance Proforma NPA as on Dec 31,2020 Proforma Opening Balance Fresh Additions Deductions -Write-offs -Upgrades -Recoveries Gross NPA Net NPA % of Gross NPA % of Net NPA Provision Coverage Ratio (PCR) Restructured Advances *Sale to ARC Rs. 400 crs (830 crs) Corporate Q1FY22 Consumer Q4FY21 Total Corporate Consumer Total 2,800 2,995 5,795 2,231 1,420 3,651 413 2,095 2,508 2,644 3,515 6,159 421 2342 2,762 2,235 1,594 3,829 452 1,919 2,372 2,079 2,114 4,193 188 750 938 144 1,206 1,350 218 627 845 1,602 273 1,875 46 543 589* 333 635 968 2,767 3,418 6,186 2,800 2,995 5,795 1,760 1,477 2.88% 2.67% 0.84% 0.69% 72% 75% 2.7% 2.0% 21 Indusind Bank#22NPA Composition - Consumer Finance (Rs Crs) Q1 FY22 Com. Vehicle Utility Const. Small Equip. CV HL/PL/ TW Cars Tractor BBG/LAP Cards MFI Total Others Gross NPA 675 70 131 253 515 142 87 675 215 203 452 3,418 Gross NPA % 2.93% 1.40% 1.47% 7.62% 9.78% 1.82% 1.28% 3.34% 2.75% 4.37% 1.69% 2.85% Q4 FY21 Com. Vehicle Utility Const. Small Equip. CV TW Cars Tractor BBG/LAP HL/PL/ Cards Others 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% 22 29 IndusInd Bank#23Strong 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 30 Jun 21 31 Mar 21 6.0% 6.0% 5.5% 5.7% 4.9% 229,559 2,30,602 2.4% 3.6% 3.5% 9,688 9,190 1.9% 3.8% 33,120 33,120 272,367 2,72,912 3.0% 3.1% 2.4% 2.5% 1.9% Core Equity Tier 1 Capital Funds 42,472 42,433 FY19 FY20 ■PBT/Loans Additional Tier 1 Capital Funds 3,490 3,490 Tier 2 Capital Funds 1,901 1,510 Total Capital Funds 47,863 47,433 111% 100% FY21 Q4FY21 Q1FY22 PPOP/Loans Total Provisions/Loans Liquidity Coverage Ratio 112% 100% 145% 146% 100% 90% CRAR 17.57%* 17.38% Minimum Required CET1 15.59%* 15.55% Tier 1 16.87% 16.83% Tier 2 0.70% 0.55% Mar-19 Mar-20 Mar-21 Jun-21 LCR Min * CRAR at 17.89% and CET1 at 15.92% including Q1 FY 22 PAT 23 IndusInd Bank#24Distribution Expansion to Drive Growth Bank Branches and ATMs Bharat Financial Inclusion Ltd. Branches & Outlets Consumer Finance Division Branches & Outlets Strengthening Distribution Infrastructure Jun 30, Sep 30, Dec 31, Mar 31, Jun 30, Particulars 2020 2020 2020 2021 2021 Branches/Banking 1,911 1,910 1,915 2,015 2,015* Outlets BFIL Branches 2,079 2,144 2,249 2,289 2,385 Vehicle Finance 854 841 840 828 821 Marketing Outlets Total 4,844 4,895 5,004 5,132 5,221 ATMs 2,721 2,785 2,835 2,872 2,870 *includes 208 specialized branches and 155 Banking outlets 24 • Branch/Representative Office London Dubai Abu Dhabi Indusind Bank#25Digital Strategy: Digital 2.0 about client centric, segment specific value propositions, Open / API Banking and creating frictionless banking experience Journey So Far Way Forward Across deposit, payments, lending and wealth products Seamless Digital Onboarding Journeys Machine learning based models Analytics backed risk management RM Workbench with pricing, share of wallet tools Employee Enablement Customer One View ভ Responsive Innovations Analytics led client engagement Client Experience/ Journey Trans- formation Leveraging RPA, OCR Front to Back Automation Omni-channel Open Banking or Platform Banking • Stack of Micro- Service/ APIs Partnerships and alliances Ecosystems & Marketplaces Enriched Digital Value Propositions . Segment Specific Digital Value Proposition Stacks (NR, Affluent, Small Business Owners, Retailers) Value added services from ecosystem Digital Onboarding Presenceless • • Paperless • Cashless Consent Driven (AA) (D) 25 25 Create • Marketplaces Car Marketplace 衛 A Differentiated Client Experience & Engagement Frictionless, invisible banking IndusInd Bank#26Creating future ready tech stacks and platforms - building cloud native, micro-services based API-led stacks Creating future ready platforms and API stacks leveraging cloud native, micro-services based, data driven framework 回 Chatbots Web Mobile Call Center RM Branch Partnerships Key Principles Few Platform Examples ... API Management - Micro-services based, modular architecture providing agility and flexibility to integrate with partners; API Gateway, Sandbox environment / developer portals Advanced Analytics & Machine Learning Client Onboarding, Underwriting Fraud Analytics Pricing & wallet share Pricing & wallet share Personalized Engagement Omni-Channel Self / Assisted Mobile/Web/ TAB Connected workflows Micro-Services / API Driven Modular Scalable Indus Ceasy CREDIT For Individuals Indus Ceasy CREDIT For Businesses Data Management for advanced analytics Structured as well as unstructured data Cloud based data warehouse Strong data governance model Core Systems - "Hollowing" the core by externalizing the business logics and in some areas (eg: payments) moving to new age cloud native core stacks Infrastructure - Cloud Native, Containerized for new age applications Building "Agile" Culture Indus MERCHANT SOLUTIONS Security Reliability ... and many more in pipeline#27Digital Business Mix continues to grow on the back of seamless digital onboarding journeys powered by "IndiaStack" across products Savings Non Resident 96% 46% Fixed Current Deposits Account Mutual Funds (IndusSmart) Personal Loans Insurance (Life+Non Life) Credit Cards 92% 93% 70% Indus easy CREDIT Indusind Bank Indusind Bank Indusind Bank < Portfolio Details Open an NRI savings account online today RESERVE YOUR ACCOUNT NUMBER BOOK YOUR FIXED DEPOSIT IN JUST 3 SIMPLE STEPS New Continue Application Application Enter your mobile number Track your Application Status Indusind Bank GIVE YOUR SAVINGS A SMART PUSH. Books fed itaine with 7% 7.5 EMPOWER YOUR BUSINESS 111 WITHOUR CURRENT ACCOUNTS IndusSmart Signup 91 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 Enter your details and get started First Name Last Name Email ID Country Code Please Sele✓ Mobile Number GENERATE OTP New to o Indusind Bank? Indusind Bank Customer Welcome Page Personal Declaration Details Terms and Conditions FATCA Declaration I would like to invest ₹10000 Birth Place* for 1 year/s and Omonth/s with DELHI Name of authorised signatory a re-investment option 10718.59* REGULAR To earn interest @ 7% Name of Firm Birth Country* INDIA Nature of business SELECT & CONTINUE >> Email ID Occupation* ALLIDIED 85 % 45 % Personal Loan Get money in your account within minutes 1/4 Input Your Details Next: Best offers for you Let's get started. First Name as per PAN Last Name as per PAN* Q1 FY 22 % Digital Sourcing for respective product 27 11:38 QUOTATION PREMIUM AND BENEFIT CALCULAT AA LC with Acce 50% all4G induseasycredit.indusind.com Indusind Bank Let's get started First Name as per PAN Last Name as per PAN Enter your fest name here if last name is not applicable Email ID Mobile Number* Please enter Aadhaar linked mobile no Current Pincode B Resume IndusInd Bank#28User Base and Transaction Volumes continue to show healthy growth across channels Mobile App User Base increased 37% Average monthly mobile banking transactions grew 2.7X YOY Indexed User Base 150 100 50 100 0 37% 300 Indexed Mobile App Txns 250 200 150 137 100 50 100 0 Q1 FY 22 Q1 FY 21 2.7X 268 Q1 FY 21 Whatsapp (WA) Banking user base increased 1.9X 200 Indexed User Base 150 100 50 100 Q1 FY 22 Whatsapp (WA) Banking conversations increased 1.5X YoY Indexed Conversations 200 1.5X 150 1.9X 186 100 50 100 147 0 Q1 FY 21 Q1 FY 22 Basis average monthly run rate for the respective quarter; user base as of end of quarter 28 0 Q1 FY 21 Q1 FY 22 IndusInd Bank#29Digital Transaction Mix continues to grow with 92% of transactions happening digitally and 67% of service requests processed digitally Overall Digital Transaction mix at 92% up from 86% by volume Digital service requests* (% of total SRs) increased to 67% reducing cost to serve 93% 92% 91% 90% 89% 88% 87% 86% 85% 86% 84% 83% Q1 FY 21 68% 67% 66% 65% 92% 64% Q1 FY 22 63% 62% 63% 61% Q1 FY 21 *Includes service requests such as email statement, debit card hot listing, pin generation, etc; ^other channels includes branch, contact centre, ATMs 29 29 67% Q1 FY 22 IndusInd Bank#30Launched all new IndusMobile: Improved app Rating from 3.8 to 4.0 within 3 months; 85% of users rate latest release 5 Stars IndusMobile Ratings on Android Playstore - ALL NEW LOGIN PAGE FOR QUICK ACCESS 4:14 Welcome ABHISHEK Change User Last Login 24-May-21. 10:10 am ALL NEW SIMPLIFIED DASHBOARD 4:15 =1 Welcome ABHISHEK a V I OWN 7391 0263 View Account Balance View Credit Card Balance Savings Account IOWE V 3.8 4.0 Apr'21 Jul'21 Indus Mobile Ratings crossed peer average 100092336509 9,93,80,024.00 Mini Statement Account Details Bill Payment Recharges BHIM UPI Rating vs peers: Custom peer group ba Open a Deposit Scan & Pay Offers Fund Transfer Bil Payment Recharge 4.310 Yesterday's average Login EXCITING OFFERS IN EVERY CATEGORY! TARVEL LIFESTYLE. DINING AND MORE NOW MORE Apply Now Settings Quick Services Reach Us Service Request A O O Open a Deposit Cards Investments EXCITING OFFERS IN EVERY CATEGORY! TRAVEL LIFESTYLE, DINING, AND MORE NOW MORE BHIM UPI Offers Scan & Pay Cash on Mobile Service Request Show peers v Performance over time Average rating Average rating 4.5 +0.074⭑ vs peers' median 4.236 Peers' median Period: Daily ▾ Last 28 days - Download CSV Show: Daily average rating▼ ✓ Faster response time on login ✓ Multiple User Access 3.6 Performance Sprint 2 underway to improve interfaces for cards, bill payments, offers and further response time improvement 30 5 IndusInd Bank#31Launched Indus Easy credit :Instant personal loan and credit cards in a completely digital end to end journey Micro-services based API Stack that will be leveraged across Client, Sales Assisted, Partner Led journeys Website/ Mobile Unique one of its kind client journey in the industry, leveraging the power of 'Indiastack Indus ✓ easy CREDIT Live WIP • Partners Mobile App Employees/Sales Channels ✓ Fully digital end to end paperless, presenceless, cashless journey for new to bank clients seeking personal loans or credit cards. ✓ Digital Checks for KYC, AML, Employment Verification ✓ Real Time Bank Statement Analysis ✓ Real Time Underwriting ✓ Video-KYC enabled ✓ E-agreement, E-sign, E-stamping and E- nach setup ✓ Leverages 35+ internal and external interfaces to power the journey Automation of field verification, fraud checks, elimination of scanning and data entry to reduce cost of processing per application by 85-90% Move PL & Cards to 95%+ digital sourcing • 31 IndusInd Bank#32Run your business with : India's first all-in-one Merchant solutions (Going Live Shortly) Digital Self - Onboarding 9:41 All your banking needs in one App Payments. Banking. Loans. 01:52 Welcome Indus to MERCHANT SOLUTIONS Get Started 4:41 < Account Details Looks like you dont hive any relatomhip with in. please proceed with becoming a merciore with IBL and enjoy our wordclass benefes Individual Sale Properilor Others Proceed Business Details 2) Location Rocmi Key City Complete Adr 1739 Viala Boulevard Proce 155643 Next Tarvafiki 2:41 Congratulations! You have successfully registered younat Proceed ✓ Digital account opening & merchant onboarding ✓ DIY / Assisted / Partner led Safe and Secure Banking 9:41 < Authentication Welcome to Merchant App. Set Mpin Confirm Mpin Set your aucherscador credentials to access the app Re-enter the six digitmein Using Mpin Using Pattim Froced Słow 8:41 Unlock with Fingerprint What our dedce isc of firgear at unlock. do vouwart to set-up Switch to Pattern Authentication Yes 1 2 3 4 5 JKL мно 7 8 9 rae wxrz ° + treek No Two Factor Authentication End to End Data Encryption 2:41 Indusind Bank Today Week Month Year Sales Summary 08 Jan 2021 25K 10K 1K *34,540 5:38 PM, 08 Jan R ₹0 9 AM 12 PM 3 PM 6 PM 9 PM 12 AM T+10% sale than yesterday Transaction (23) *10,20,450 > Settlement (12) 5,34,983 Indusind Bank OTP Verification An OTP has been sent 1919610 Quick Links Proceed Auto detecting OTP in 30 sec Resend QTP G 1 Khata UPI QR Fund Transfer View Balance Re Pap Home Banking Start Sale Service Req Loans 32 32 4:41 < Banking Total Deposit Loay Amount *10,50,000 Statement 4,50,000 A/C No: 543 3355 3563 Sivres AC FD HD View More w Last 16 Tranctions 4:41 Fund Transfer Statement Transaction Successful Avat *10,50,000 WCN: 53 3355 3563 Total Loans 8,00,000 07 Dec 2020 UPA728395679232227077 Pay T22000) 50,000 -23,000.00 11:22 AM 20 Dec 2020 Before ID 12234533374333 07 Dec 2020 Stars Quarterly fiter -FV-1021 03 FY 2011 02-FY-2021 Q €23,000.00 07 Dec 2020 UPC21345673223223 +356,000.00 (2.00002 TACR (12000) 120,000 06 Dec 2000 UP1022041678203223 +12.400.20 *60.00% View A 04 Dec 2020 UP1020585675322 PayDict - 11.780.50 From Account Transter Mode Remarks HDFC Bank 454 30 350 NEFT Far yesterday sale 3356 0089 9921 07 Dec 2020 UP323578270 D 06 Dec 2020 - 12,400,20 UP C222171201224/30/14/ t56,000.00 Find Bander BFORD Service Rese 02 Dec 2020 P240ZA344 Download State Back to Banking Overview 04 Dec 2020 UP:022345678231224/0D783414/ -*11,780.50 Pallic Download Email 3-in-1: Payment Collections, Banking & Loans State-of-art features: Digital Khata, UPI QR Scan & Pay Digital Service Requests & Execution 2:41 < Service Request Merchant Service Reques odtem de ch 841 9:41 < Barking Service Request < Merchant Service Reques Report Plate Chuan Desk Barking Service Request Stop Chaque J *aub toite, rost Debit Card Hot Listing Reset Debit Card PIN + Update Emal ' 2 teod Stala Last 6 days interaction All Report & Issue #3127 Cheque Book Request Select Account * 50,000 1542 31352683 Sand Stop Cheque Request Initiated Procesing Аргос 14 Cheque Number 34664546 1931 virgand Accourt humber 6543 3355 3563 Acvate UPI OR 3270~ песня Reason 1 den Jn 2821 ATM 目 Request CSTN Invoice den 1 Im 1345PM Show Previous Forest Confirm Contre ✓ Merchant and banking service requests, straight from the app IndusInd Bank#33Launching Indus Easy Credit for Businesses: Focused digital products for SME segment going live soon Building the "Digital SME Stack" by leveraging microservices based APIs Small unsecured business loans Delivering completely digital, assisted and partner led journeys across channels ✓ Easy and simplified product, overdraft up to Rs. 2 crores ✓ 100% digital origination for small business lending up to 2 crores, for all customers Real time underwriting leveraging GST, Banking, Bureau - Instant decisioning and same day sanction Indus Ceasy CREDIT For Businesses. Focused products for <2 crores segment. GST based overdraft non fund based limits And more... ✓ Using state-of-art algorithms for credit scorecards ✓ Simple assessment norms on the basis of GST returns Cash credit and ✓ No financial documents required ✓ Digital authentication and verification checks Going Live Shortly WIP ✓ Digital signing, stamping and mandates for seamless disbursements ✓ Cutting edge tech supporting multiple channels. Web Mobile Call Center RM 33 Branch Partnerships IndusInd Bank#34Shareholding Pattern Paid up Capital as of June 30, 2021 Private Corporates, 2.54% MFs / Banks/ Insurance Co, 16.28% Individuals, 7.34% Promoters, 15.19% NRIs/ Director/ Others, 2.67% GDR issue, 8.20% * Fils, 47.78% *includes FPIS 34 IndusInd Bank#35Appendix 35 95 IndusInd Bank#36CV Portfolio - As per a Leading Bureau 20 18 16 14 12 10 8 6 4 2 60+ Delinquency 9 сл 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20 June'20 IBL Sep'20 Industry Dec'20 Mar'21 DEC'19 Mar'20 June'20 IBL Sep'20 -Industry Dec'20 Mar'21 • Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#37CE 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 IBL Sep'20 Industry Dec'20 Mar'21 DEC'19 Mar'20 June'20 Sep'20 Dec'20 Mar'21 IBL Industry • Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#38PV Portfolio - As per a Leading Bureau 10 9 8 7 6 5 4 3 2 1 60+ Delinquency 0 DEC'19 Mar'20 June'20 IBL Sep'20 Industry Dec'20 Mar'21 1.8 1.6 1.4 1.2 1.0 0.8 0.6 0.4 0.2 90+ Delinquency DEC'19 Mar'20 June'20 IBL Sep'20 -Industry Dec'20 Mar'21 Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#39Used PV Portfolio - As per a Leading Bureau 12 10 8 6 4 • 2 60+ Delinquency 3.0 2.5 2.0 1.5 1.0 0.5 90+ Delinquency 0 0.0 DEC'19 Mar'20 June'20 Sep'20 Dec'20 Mar'21 DEC'19 Mar'20 June'20 IBL Industry IBL Sep'20 Industry Dec'20 Mar'21 Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#40Tractor Portfolio - As per a Leading Bureau 18 16 14 12 10 8 6 9. 4 2 60+ Delinquency 6 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20 June'20 IBL Sep'20 Industry Dec'20 Mar'21 DEC'19 Mar'20 June'20 IBL Sep'20 -Industry Dec'20 Mar'21 • Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#41TW Portfolio - As per a Leading Bureau 16 14 12 10 8 6 4 2 • 60+ Delinquency 7 6 5 4 3 2 1 90+ Delinquency 0 0 DEC'19 Mar'20. June'20 IBL Sep'20 Industry Dec'20 Mar'21 DEC'19 Mar'20 June 20 IBL Sep'20 Industry Dec'20 Mar'21 Strong portfolio performance (60+ and 90+ QoQ) compared to competition and market#42Microfinance - As per a Leading Bureau As of May 2021 100 43 ■Industry 100 30 DPD 60 DPD 36 IBL 100 90 DPD 31#43Accolades ကို 43 IndusInd Bank#44Awards and Accolades IndusInd Bank is bestowed with the Asset Asian Triple Treasury, Payment and Working Capital Category Awards 2021 Testan Bath theas Com •TRALE AUTOPE PAYMENT SOLUTION Tel: LXDUSED BASK Pen THA AVAMA THE Assel: CASHIRE PAYMENTS INDA INDUSIND BANK B PENALara com vel: Supply Chain Finance Category A INDUSIND BANK BET SERVER miset: DEL IN =NTERNAZNAL INHA INDUSIND BANK RIST SUPAYA Sams As an mdset: svet Best in Treasury and Working Capital Public Sector India misvet: Best Payment and Asset Best Payment and Collection Solution India Collection Solution India AutoPe Payment Solution Cashfree Payments India misvet: Best Service Provider (India) Distribution Finance 3rd Year in row A misvet Best Supply Chain Solution: India - Dell India A TERS APL ARELO TUBES INDU BAK Her SCH TAROS NIPA INDUSIND BANK Box Pow Asset: svet A MAHAAN STATE COOPERATIVE COTTON GROVERR MARTING FIDERATION Tunes Back Asset: svet Best Payment and Collection Solution India - Nupay Best Payment and Collection Solution India - Maharashtra State Co- operative Cotton Growers Marketing Federation 44 mwet: Assel: svet Best Supply Chain Solution: India - Haler Appliances (India) P. Ltd. ASHOW LEYLAND ANNUAL FINANCER AWARD 2020 CERTIFICATE INDUSIND BANK LTD ASHOK LEYLAND svet Best Supply Chain Solution: India - APL Apollo Tubes Ltd. IndusInd Bank ranked 2nd in the Ashok Leyland Product Funding during the year 2020 at Annual Financier Award 2020 from Ashok Leyland IndusInd Bank#45Thank You 45 IndusInd Bank#46Disclaimer 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. This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the United States. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act or omission based on or in reliance upon the information contained herein. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results. This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others, future changes or developments in the Bank's business, its competitive environment and political, economic, legal and social conditions. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this presentation. 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. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank. 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. 46 IndusInd Bank