#1IndusInd Bank - Investor Day 22nd November 2022 1#2Presentation 3 Affluent Banking IndusInd Bank PIONEER the lost art of wealth management HIRO#3The Big Opportunity Market Size of over USD 1 Tn The Sweet Spot IndusInd Bank Category Ultra HNIs Super HNIs HNIS Affluent Emerging Affluent Mass Affluent Mass # of Adults ~2200 11300 2.5L 30L 70L 2.8Cr 78Cr Investable Surplus (USD) >50Mn 10 - 50 Mn - 1Mn 10 Mn 0.1 - 1 Mn 0.01 -0.1 Mn 0.01 0.03 Mn < 0.01 Mn Fast Growing Segment Cost Efficient $ Increasing Allocation to Financial Assets Expanding Geographical Spread PIONEER the lost art of wealth management MF News > India will have 6.11 lakh HNIs by 2025: Knight Frank India will have 6.11 lakh HNIs by 2025: Knight Frank Indian buyers bought four luxury vehicles every hour in first nine months of 2022 72110 Source - Credit Suisse "Global wealth data-book" 2016. Karvy India Wealth Report 2017. "Key trends in Indian Wealth Management Market" - Celent; BCG - The New Indian: The Many Facets of a Changing Consumer AP#4Story so far..... IndusInd Bank IBL AFFLUENT BUSINESS Performance Highlights FY 19 - 22 Fee Growth at 25% CAGR 100 195 Liability Growth at 33% CAGR 235 100 Building Scale in chosen Segments & Geographies Focus on NRV, Productivity & Profitability FY 19 FY 22 FY 19 FY 22 NRV Growth at 35% CAGR 100 FY 19 Numbers indexed to FY19 PIONEER the lost art of wealth management 246 19% Operating Efficiency FY 22 Diversified Revenue across Product Lines - Wealth, Banking &TFX & Assets Investing in People, building Next Gen Teams Robust Service Model reinforcing Customer First Behavior#5Affluent Strategy for Growth 4S for Success SCALE Grow market share in chosen Home Markets (fast growing Tier 2 / 3 cities). Ramp up RMs, Service & Product Teams. • Launch Private Banking. Expand IB presence, grow Gift City SEAMLESS DELIVERY . . IndusInd Bank STRONG DOMAIN EXPERTISE Client Segment approach - Building capabilities in D&J, NR, Bollywood, Cricket, Healthcare segments to capture market share. Cross-sell - Leveraging relationships across BU's - BBG, OPDT, CFD to cross-sell. Focus on Sweet Spot (BO and NR Segments) to build sustainable revenues. $ SUPERIOR SERVICE • • Simplify ease of doing business through process re- Dedicated SRM / VSM for proactive servicing. • . Integrated Wealth Platform. engineering & digitization. Customized Mobile App for PIONEER Clients. Comprehensive Customer Engagement Framework. • Best-in-class PIONEER Lobbies in major cities. • Multi-channel flexible and convenient touch points. PIONEER the lost art of wealth management#6Unique Positioning Well Poised to Capitalize on the Opportunity. Strong Traction since Launch PIONEER the lost art of wealth management Universal Banking with focus on Business Owner Segment IndusInd Bank Banking & Credit Trade Forex Customized Wealth Offerings Preferential Pricing Superior Customer Experience PIONEER Lobbies Empowered Service Team Curated Lifestyle Benefits Priority across touch points Customer Oriented and Capable Team Experienced RMs Product Specialists Digital Touch Points Service Relationship Managers PIONEER - Our Flagship Brand Built on foundation of Trust and Transparency#7Universal Banking Well Diversified Business, poised for Growth through Business Cycles IndusInd Bank Affluent - Product Mix YTD H1 FY23 10% 9% 29% PIONEER the lost art of wealth management TFX 100 Wealth Q1 FY23 indexed to Q1FY23 52% Assets Others TFX: Trade & Forex related transaction fee Fee 16% QoQ Growth NRV 116 Q2 FY23 162 151 137 100 Mar'20 Mar'21 Mar'22 Sept'22 indexed to Mar-20#8Superior Customer Experience Best in class proposition coupled with Unique Service Model, Reinforcing Right Behaviour Specialist Team Service RM for All Clients with No Sales Targets Experienced Relationship Team, Customer First Focus IndusInd Bank ਪੰਜ Product Specialist - Wealth, TFX and Assets Digital Touch Points IndusSmart Online Investment A/C IndusNet Internet Banking VIDEO Branch Reach Us Business Owner TFX - Integrated Trade Pricing CC/OD & Term Loan Door Step Banking M Non-Resident Indian Superior Structured Solutions Indus Fast Remit Concierge Benefits PIONEER Metal Card Faster Earning on Reward Points Higher Spend Limits Zero Cross-border Markup Charges PIONEER the lost art of wealth management#9Taking Affluent Experience to the next level Specially Curated Lifestyle Benefits هه Unlimited Airport Lounge Access Discounted and complimentary Lockers IndusInd Bank PIONEER Best-in-Class Experience at PIONEER Branches Zero cross border Mark Up Charges PIONEER HERITAGE Indusind Bank PIONEER Indusind Bank Unlimited Golf games PIONEER the lost art of wealth management world elite VISA RANJAN KUMAR Weste Segment first metal Credit and Debit cards#10Industry First Customer Engagement Scorecard Assigned Engagement Score for each Household basis Key Engagement Vectors IndusInd Bank Improve Deepen Household Penetration Increase Product Digital Engagement 15 Holding 15 Increase Transaction Intensity Strengthen Liability Relationship 15 Grow Wealth Relationship Improve Asset Relationship 15 10 15 15 Each Vector has High Correlation to Business Output PIONEER the lost art of wealth management Interactive Scorecard for Quick Frontline Adoption#11PIONEER the lost art of wealth management Building Scale in Affluent Business Investing in people to build Next Gen Teams and expanding distribution IndusInd Bank PEOPLE Full 馄 Strong Learning Culture Regular Trainings and industry expert sessions Rewards and Recognition Affluent Elite Club | Half Yearly Awards Strong Enablement Regular Scorecards/ MIS Tech Support (NBA/NBO) DISTRIBUTION 22 Presence in top 50 cities in the country 10 Pioneer Branches/Lobbies + New Planned every Quarter Affluent RMs to double by FY25, matched by Growth in the Team of dedicated Service RMs#12Customer Testimonials PIONEER the lost art of wealth management IndusInd Bank For me, PIONEER Banking represents Trust and Superior service. Since I have switched to PIONEER Banking, I've been delighted with the quick assistance from the bank, particularly my Service Manager. I will soon move all of my family's banking to PIONEER Banking because they have thought about how to provide exceptional service to their consumers. I started my association with PIONEER Banking a few years ago, and I haven't looked back. The majority of investments and transactions for my family are now done through IndusInd Bank. The Team's Proactive Approach to any significant issue that impacts my account stands out the most. My experience with PIONEER Banking has been Convenient and Rewarding for my family and me throughout the years. I recently received a PIONEER Metal Credit Card upgrade. This card has become one of my favourites since using it is such a WOW experience. ララ Prem Mehtani Retired Businessman Mumbai Guninder Kaur Gill Lawyer Delhi ララ Girish Kumar Nagaraj General Manager, Therelek Engineers Pvt. Ltd. Bangalore#13Ambition 2025 Double the Affluent Business 2x PIONEER the lost art of wealth management Double Clients & NRV Real-time customer Analytics & Technology for achieving scale IndusInd Bank Leverage PIONEER Brand Market Focus - • Improved wallet share in Tier 1 cities Play density in Tier 2 markets Amongst Top 5 Banks in Affluent Space (5) TOP#14PIONEER the lost art of wealth management THANK YOU IndusInd Bank#15Disclaimer 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. IndusInd Bank