#1Investor Presentation Q3-FY22 | January 2022 IndusInd Bank#2IndusInd Bank at a Glance III ال 5th Largest Private Bank with Disproportionately Large Distribution Network *2,28,583 cr Loans *2,84,484 cr Deposits Diversified Across Products and Geographies 31 mn Customers Across Segments Universal Banking Approach with Diversified Loan & Deposit Mix 54:46 Loan Mix Retail VS Wholesale 5,706 Branches/Outlets PAN India Network 42% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 92% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 27% of the Loan Book Micro Finance 12% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers 18.06% CRAR Tier 1: 16.37% | Tier 2: 1.69% (excluding 9M FY 22 PAT) 137% Average LCR Well above regulatory requirement 72% PCR GNPA 2.48% | NNPA 0.71% Strong Profitability amongst highest in the Industry 4.10% Net Interest Margin 2 41.59% Cost to Income 5.90% Operating Profit Margin to Loans IndusInd Bank#3Key Financial Highlights for Q3 FY22 Loans Balance Sheet *2,28,583 crores Deposits 2,84,484 crores CASA 1,19,894 crores Term Deposits 1,64,590 crores Total Assets 3,90,564 crores 10% YoY 4% QoQ 19% YoY 3% QoQ 24% YoY 3% QoQ 16% YoY 3% QoQ 14% YoY 3% QoQ Net Interest Income Total Fee Income Profit & Loss 3,793 crores 1,877 crores Revenue *5,670 crores Operating Profit *3,312 crores Net Profit *1,242 crores 11% YoY 4% QoQ 14% YoY 2% QoQ 12% YoY 3% QoQ 12% YoY 3% QoQ 50% YoY 8% QoQ Net Interest Margin Return on Assets Return on Equity Cost to Income Net NPA Key Ratios 4.10% 1.35% 10.88% 41.59% 0.71% 2 bps YoY 3bps QoQ 30 bps YoY 5 bps QoQ 253 bps YoY 60 bps QoQ 25bps YoY 15bps QoQ 49bps YoY 9bps QoQ 3 IndusInd Bank#4Balance Sheet In Crore Capital & Liabilities Q3FY22 Q3 FY21 Y-0-Y (%) Q2FY22 Q-0-Q (%) Capital Reserves and Surplus 775 757 2% 774 45,830 39,774 15% 44,552 3% Deposits 2,84,484 2,39,135 19% 275,288 3% Borrowings 45,669 48,622 (6%) 46,295 (1%) Other Liabilities and Provisions 13,806 13,158 5% 13,586 2% Total 3,90,564 3,41,446 14% 3,80,495 3% Assets Cash and Balances with RBI 13,147 8,165 61% 13,239 (1%) Balances with Banks 53,385 42,612 25% 53,891 (1%) Investments 72,715 61,057 19% 69,245 5% Advances 2,28,583 2,07,128 10% 220,808 4% Fixed Assets Other Assets Total 1,916 1,878 2% 1,903 1% 20,818 20,606 1% 21,409 (3%) 3,90,564 3,41,446 14% 380,495 3% 4 IndusInd Bank#5Profit and Loss Account - Q3 FY22 In Crore Net Interest Income Other Income Total Income Q3FY22 Q3FY21 Y-0-Y (%) Q2FY22 Q-0-Q (%) 3,793 3,406 11% 3,658 4% 1,877 1,646 14% 1,838 2% 5,670 5,052 12% 5,496 3% Operating Expenses 2,358 2,088 13% 2,277 4% Operating Profit 3,312 2,964 12% 3,219 3% Provisions & Contingencies 1,654 1,854 (11%) 1,703 (3%) Profit before Tax 1,658 1,110 49% 1,516 9% Provision for Tax 416 280 49% 369 13% Profit after Tax 1,242 830 50% 1,147 8% 5 IndusInd Bank#6Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 6 Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#7Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 7 Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#8Well Diversified Loan Book across Consumer and Corporate Products. Loan Book Mix (*Crs) 206,783 212,595 210,727 220,808 228,583 (Crs) 44% 43% 44% 45% 46% Consumer Banking Dec-21 % Vehicle Finance 60,608 27% Commercial Vehicle 22,618 10% 56% 57% 56% 55% 54% Utility Vehicle 5,697 2% Small CV 3,035 1% FY 20 FY 21 ■Consumer Banking Jun-21 Sep-21 Dec-21 Two-Wheeler 4,723 2% Corporate & Commercial Banking Car 8,265 4% Tractor 7,666 4% Small Corporates 2% Mid Size Corporates 20% (Crs) Corporate Banking Dec-21 % Large Corporates 53,789 24% Mid Corporates 46,714 20% Small Corporates 4,978 2% Large Corporates 24% Total Advances 1,05,481 46% Equipment Financing 8,604 4% Non-Vehicle Finance 35,051 15% Vehicle Finance Business Banking 11,314 5% 27% Loan Against Property 8,664 4% Credit Card 5,301 2% BL, PL, AHL, Others Microfinance 9,772 4% 27,443 12% Non Vehicle Retail Total Advances 1,23,102 54% 15% Microfinance 12% 8 00 IndusInd Bank#9Vehicle Finance: Granular Portfolio Across Vehicle Categories Overview of Vehicle Finance Division 35+ Years of Vintage Across Credit Cycles Market Leader in Most Products Amongst Top 3 Diversified Vehicle Loan Book across Vehicle Categories (%) Utility Vehicle 9% Two Wheelers 8% Focus on Business Owner Segment Car 14% Nimbleness of an NBFC With Dedicated Network Nationwide Presence Diversified Across States Strong Collateral Coverage Throughout the Loan Cycle Vehicle Finance Loan Book (*Crore) 61,003 61,313 60,608 59,645 59,302 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 6 Tractor 13% CV 37% Construction Equipment 14% Small CV 5% Disbursements (*Crore) 8,583 7,913 4,875 8,594 8,832 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 IndusInd Bank#10Microfinance: Bridging the Financial Inclusion Gap 2nd Largest Micro Finance Lender 9mn Women Customers 1.29 Lacs Villages covered across 21 States Tech/Data driven Risk Management District/Branch level Monitoring 94K+ Bharat Money Stores Banking at doorstep in remote areas 261K+ Merchants Onboarded Addressing the MSME banking needs 10 Micro Finance Loan Book (*Crore) 25,944 28,115 27,443 26,007 22,891 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Average Ticket Size (*) 28,182 28,065 28,102 27,211 22,481 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 IndusInd Bank#11Corporate Portfolio - Focus on Granular, Higher Rated Customers Corporate Loan Book (Crore) 99,079 88,482 91,018 92,407 1,05,481 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Sector-wise Loan Mix (% of Total Loans) Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 19% 25% 28% 26% 15% 15% 19% 19% 29% 27% 25% 27% 31% 26% 23% 23% 6% 6% 5% 5% Stressed telco at 2% Mar-20 Mar-21 Sep-21 Dec-21 Sector Q3 FY22 NBFCs (other than HFCs) 4.80% Gems and Jewellery 3.80% Real Estate Commercial & 3.50% Residential Lease Rental 2.59% Loan Roads/Other Infra Projects 2.13% Processing Steel 2.11% 28% Power Generation - Renewable 1.46% Food Beverages and Food 1.36% processing Educational Institution 1.32% Services 1.16% Housing Finance Companies 1.15% Power Generation - Non Renewable 1.06% Textiles 0.89% Others 18.77% Corporate Banking 46.10% Consumer Banking 53.90% Total 100.00% 11 * Includes fund and non-fund based exposure to corporate clients Diversified Fee Mix Q3FY22 Investment Banking 7% Foreign Exchange 28% Trade & Remittances 37% IndusInd Bank#12Non-Vehicle Retail Loans - Risk Calibrated Growth Strategy Business Banking (Crore) Loan Against Property (*Crore) 11,575 11,772 11,223 11,031 11,314 9,362 9,003 8,761 8,788 8,664 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Credit Cards (*Crore) 5,225 4,536 4,512 5,301 5,006 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 12 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Business Loan, Personal Loan, Affordable Housing, Others (Crore) 8,441 8,946 8,235 9,487 9,773 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 IndusInd Bank#13Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 13 Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#14Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (Crore) Retail Deposits Retail Deposits as per LCR (Crore)* Share of Retail Deposits (%) 2,84,484 2,75,288 19% YoY 2,67,233 37% 2,55,870 36% 2,39,135 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 5.34% Cost of Deposits (%) 40% 41% 40% 32% YoY 3% QoQ 2% QoQ 85,914 95,811 1,05,737 1,11,749 1,13,615 5.03% 4.97% 4.85% 4.66% 68bps YoY 19bps QoQ Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 *As at period end. 14 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Key Focus Areas Expanding branch network Focus on target market segments " Growth driven by retail customer acquisitions Scaling up new businesses - Affluent and NRI Leverage BFIL for rural customers Building Merchant Acquiring Business Digital Partnerships & Alliances Innovative service propositions Executing Digital 2.0 with planned Individual and SME launches IndusInd Bank#15Healthy Share of CASA; Strong Liquidity Profile CASA CASA (Crore) Share of CASA % CA (Crore) CA Share of CA % 42% 42% 42% 40% 42% 14% 14% 12% 12% 12% 1,15,863 1,19,894 1,12,349 35,725 1,06,791 32,313 32,421 32,587 33,279 3% YoY 96,646 24% YoY 3% QoQ Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 SA (Crore) SA Share of SA % 30% 30% 30% 28% 27% 86,615 79,928 83,276 71,066 64,333 35% YoY Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 4% QoQ 15 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 LCR Liquidity Coverage Ratio (%) 156% 145% 146% 148% 137% Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 2% QoQ IndusInd Bank#16Borrowings Constituted by Long Term Sources Borrowings (Crore) Borrowings (Cr) % of Total Liabilities 14% 14% 13% 12% 12% 51,323 48,622 49,294 46,295 45,669 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Borrowings Mix (%) TIER-II BONDS 6% Short-Term FCY Borrowings (12 months) 3% Long-Term FCY Borrowings 17% Infrastructure Bonds 4% Euro Medium- Term Notes 7% AT1 Bonds 8% Refinance from Development Institutions 55% 16 IndusInd Bank#17Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise .ill Strong Product Groups Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 17 ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#18Strong Product Groups with Efficient Capital Deployment Low RWA Consumption (*Crore) Notional Amount Risk Weighted Assets 7,60,248 0.5%# 7,226 86,300 1.9%# 27,091 Derivatives + FX Contracts + Options #CRAR consumption LC and Guarantees Below investment LC-BG Rating Profile grade* 5% Above investment grade 71% *Stressed telecom contributes 2% Cash Backed 17% Secured by Counter Guarantees of Corresponden t Bank 6% LC - Usance 19% LC - Sight 11% LC-BG Mix Performance Guarantees 34% FX-Derivatives Exposure Type Financial Guarantees 36% One of the largest treasuries in Indian banks with best-in-class risk management systems Robust framework for measurement of risks through Client Suitability Tests, VaR, PV01, Stop- loss limits, MTM of marketable portfolios, Exposure limits, etc. Exposures predominantly to public sector, cash backed transactions and strong sponsors Exposure Others Counterparties 18% Central Counterparty (Guaranteed against Banks (Non Collateralised) Settlements) 41% 18 16% Counterparties with Collateralised Arrangements (CSA) 25% IndusInd Bank#19Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 19 Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#20Yield Cost Movement 8.36% 11.36% Q3FY22 Segment-wise Yield: 4.66% 4.26% 8.44% 11.66% Q2FY22 4.85% 4.37% Yield on Assets ■Yield on Advances Cost of Deposits Cost of Funds Yield on Assets/Cost of funds are based on Total Assets/Liabilities Q3FY22 Q2FY22 Outstanding (*Crs) Yield (%) Outstanding (*Crs) Yield (%) Corporate Banking 1,05,481 7.82% 99,079 8.24% Consumer Banking 1,23,102 14.18% 121,729 14.32% Total 2,28,583 11.36% 220,808 11.66% 20 20 IndusInd Bank#21Diversified and Granular Fee and Other Income Streams In Crore Q3FY22 Q3FY21 Y-0-Y(%) Q2FY22 Q-o-Q(%) Trade and Remittances 188 183 3% 200 (6%) Foreign Exchange Income 228 268 (15%) 221 3% Distribution Fees (Third Party Products) 388 370 5% 360 8% General Banking Fees* 239 188 27% 234 2% Loan Processing Fees 382 301 27% 423 (10%) Investment Banking Total Core Fee Income 94 79 19% 68 39% 1,519 1,389 9% 1,506 1% Securities/MM/FX Trading/Others 358 257 39% 332 8% Total Fee Income 1,877 1,646 14% 1,838 2% Includes PSLC Income of 32 crs for Q3 FY22, 58 crs for Q3FY21 and 35 crs for Q2FY22 Fee Income Mix 58% CONSUMER BANKING I 23% CORPORATE BANKING 19% TRADING & OTHER INCOME 221 IndusInd Bank#22Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) 4.12% 4.13% 4.06% 4.10% 4.07% Total Fee to Asset Ratio (%) 2.0% 2.1% 2.0% 2.0% 2.0% Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Cost to Income Ratio (%) 41.3% 41.1% 40.5% Operating Profit Margin (%) 41.4% 5.8% 6.0% 41.6% Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 22 22 6.0% 6.0% 5.9% 3.7% 3.7% 3.7% 3.6% 3.6% Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 ■% of Average Loans % of Average Assets IndusInd Bank#23Key Financial Indicators Return on Assets (%) 1.05% 1.09% 1.17% 1.29% 1.35% 8.88% 8.35% Return on Equity (%) 9.30% 10.88% 10.28% Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Earning Per Share - Annualized (*) 64.1 38,190 41,508 59.2 52.6 48.4 43.9 Net Worth (Crore) 42,243 42,751 43,833 IIIII Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q3 FY21 23 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 IndusInd Bank#24Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 24 ال Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#25Movement in Non-Performing Assets Q3FY22 Q2FY22 In Crore Corporate Consumer Total Corporate Consumer Total Opening Balance 2,522 3,723 6,245 2,767 3,418 6,186 Fresh Additions 56 2,542 2,598 252 2,406 2,658 Deductions 314 2,750 3,064 497 2,101 2,598 -Write-offs -Upgrades -Recoveries Gross NPA Net NPA % of Gross NPA % of Net NPA Provision Coverage Ratio (PCR) Restructured Advances Gross Credit Cost *Sale to ARC Rs. 740 crs (Q2 FY22 Rs.700 crs) 194 1,468 1,662 10 423 433 21 307 328 64 1,077 1,141 99 975 1074* 423 601 1,024* 2,264 3,515 5,779 2,522 3,723 6,245 1,633 1,771 2.48% 2.77% 0.71% 0.80% 72% 72% 3.3% 3.6% (53) 1377 1324 68 684 752 25 25 IndusInd Bank#26NPA Composition - Consumer Banking (*Crs) Q3 FY22 CV Utility CE Small CV TW Cars Tractor Gross NPA 542 42 124 111 449 84 108 Gross NPA % 2.38% 0.74% 1.43% 3.61% 9.28% 1.01% 1.40% 685 3.43% BBG/LAP HL/PL/Others Cards 246 MFI Total 211 2.16% 914 3,516 4.58% 3.21% 2.79% Q2 FY22 CV Utility CE Small CV Gross NPA 596 47 107 144 Gross NPA % 2.62% 0.91% 1.24% 4.74% TW 450 9.23% Cars Tractor BBG/LAP 92 103 780 1.15% 1.42% 3.89% HL/PL/Others Cards MFI Total 245 258 905 3,723 2.56% 5.05% 3.01% 3.02% 26 IndusInd Bank#27Loan Related Provisions held as on December 31, 2021 Specific provision of 3,441 Crs (towards PCR) Floating provisions of 70 Crs other than related to COVID-19 (towards PCR) ☐ Counter-cyclical provision of 635 Crs (towards PCR) ☐ ☐ Standard contingent provisions of ₹3,328 Crs surplus outside PCR Standard asset provision of ₹1,012 Crs other than related to COVID-19 Provision Coverage Ratio at 72% and total loan related provisions at 144% of GNPA Loan related provisions of 8,486 Crs are 3.71 % of the loans. 27 27 IndusInd Bank#28Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise ال Strong Product Groups Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 28 ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#29Healthy Capital Adequacy Capital Adequacy In Crore 31 Dec 21 30 Sep 21 Credit Risk, CVA and UFCE 2,38,296 233,184 Market Risk 9,670 9,286 Operational Risk 33,120 33,120 Total Risk Weighted Assets 2,81,086 275,590 15.55% 14.30% CET1 Ratio (%) 15.59% 15.42% 15.13% Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Core Equity Tier 1 Capital Funds 42,519 42,484 Additional Tier 1 Capital Funds 3,490 3,490 CRAR (%) Tier 2 Capital Funds 4,743 1,909 18.06% Total Capital Funds 50,752 47,883 17.38% 17.57% 17.37% 16.34% CRAR CET1 Tier 1 Tier 2 18.06%* 17.37% 15.13%* 15.42% 16.37% 16.68% 1.69% 0.69% * CRAR at 19.09% and CET1 at 16.16% including 9M FY 22 PAT 29 29 -- Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 IndusInd Bank#30Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 30 ال Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#31Shareholding Pattern and Credit Ratings NRIs/Director/. Others 8.21% Individuals 3.44% Private Corporates 2.67% Fils 8.20% * * Includes FPIS Diversified Shareholding GDR issue 18.56% Promoters 15.17% MFs/Banks/ Insurance Co 43.75% Credit Ratings Domestic Rating: ☐ ☐ CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds CRISIL AA for Additional Tier 1 Bonds program CRISIL A1+ for certificate of deposit program / short term FD programme IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings and Research IND AA for Additional Tier 1 Bonds program by India Ratings and Research IND A1+ for Short Term Debt Instruments by India Ratings and Research 31 International Rating: Ba1 for Senior Unsecured MTN programme by Moody's Investors Service IndusInd Bank#32Disproportionately Large Distribution Network with Unparalleled Rural Presence Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure Dec 31, Mar 31, Jun 30, Sep 30, Dec 31, Particulars 2020 2021 2021 2021 2021 ~31 mn Customer Base ~1,29,000 Villages Covered Branches/Banking Outlets 1,915 2,015 2,015 2,015 2103 BFIL Branches 2,249 2,289 2,385 2,665 2778 Vehicle Finance Marketing 5,706 Branches/Outlets TJ' 2,861 ATMs 840 828 821 827 825 Outlets Total 5,004 5,132 5,221 5,507 5706 ATMs 2,835 2,872 2,870 2,886 2861 Geographical Breakdown of Branches Urban 532 25% Rural 460 22% Metro Semi 656 Urban 31% 455 22% 32 Regional Breakdown of Branches Southern 495 23% Western 416 20% Central 286 14% Eastern 388 18% Northern 518 25% IndusInd Bank#33Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 33 ال Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG - Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#34Digital Strategy to drive 3 main objectives across business lines 1 2 3 Build Enriched Digital Value Proposition Stacks Build new digital business models - Unassisted Digital / Client Initiated/Self Service led, Embedded Finance / Open Banking led • Human Centered Design Principles Best of Breed Capabilities in financial management including beyond banking services - Own as well as through ecosystem providers to enhance Client Lifetime Value Hyper Personalized Engagement Increase share of digital acquisition • • Lower cost of acquisition Grow non linearly via partnerships and alliances Transform existing lines of businesses Reduce Cost to Serve Reduce turnaround time, Increase STP % Enhance customer experience Boost employee productivity and enhance employee experience = STP Straight Through Processing 34 IndusInd Bank#35We have built a comprehensive stack of platforms across Individual and MSME clients Savings Account DIY / Assisted Video KYC Enabled e2e digital journey Individual Segment Indus Mobile Fixed Deposit DIY / Assisted Video KYC Enabled e2e digital journey 150+ services All In One App to manage banking, investments, cards, payments, etc • Retail Forex INDUS forex Investments INDUSSMART • DIY / Assisted . Buy Forex Whatsapp Banking Comprehensive stack of 40+ services offered . CUM Personal Loans Indus Credit Cards Indus Ceasy CREDIT Ceasy CREDIT Spends to EMI . Debit Card / Credit Card Spends to EMI DIY / Assisted Partners online / offline Video KYC Enabled e2e digital journey Advanced analytics led algorithms for real time decisioning Digtal KYC, Fraud/AML, FV checks Instant disbursal in account E-nach, E-sign and E-mandate setup MSME Segment Current Account Assisted digital live Do It Yourself going live shortly • Small Ticket Unsecured Business Loans Indus Secured Overdraft upto 2 Cr Indus Ceasy CREDIT Ceasy CREDIT DIY / Assisted Digital KYC, AML, Fraud checks Advanced analytics led algorithms for real time decisioning Indus Merchant Solutions Indus MERCHANT SOLUTIONS All In One Stack for retailers for all their needs across banking, payments and lending 35 New launches in FY 22 IndusInd Bank#36Digital Sourcing % continues to grow and digital unassisted business models gaining momentum Savings Fixed Deposits Credit Cards Personal Loans 98% 96% 60% 60% 50% 50% 97% 94% 40% 40% 96% 92% 30% 30% 95% 54% 50% 97% 20% 38% 20% 37% 95% 90% 91% 10% 10% 95% 94% 88% 0% 0% Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Investments Insurance Current Account Retail Forex 94% 91% 70% 80% 60% 93% 90% 60% 50% 40% 93% 90% 40% 30% 63% 69% 69% 93% 90% 20% 43% 92% 89% 20% 92% 89% 10% 92% 89% 0% 0% Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 ~35,000 clients on-boarded through Video KYC every month across Savings Account, Personal Loans and Credit Cards 36 IndusInd Bank#37Indus Mobile: All In One Mobile app with complete customer lifecycle management All in One App with 150+ services across customer lifecycle Open a Savings Account Manage Payments - Scan & Pay, UPI, Bill Payments Manage loans from the app All account Manage debit & credit cards Invest and Manage Portfolio management GET FULLY LOADED DIGITAL SAVINGS ACCOUNT IBL mobile active client base up 23% YoY services 130 Indexed mobile active client base 123 120 110 100 100 90 12:05 80 SERVICE REQUESTS & STATUS TRACKING WITH JUST A CLICK ALL NEW SIMPLIFIED DASHBOARD 5/01 10.17.08 10,175,00 PRODUCY ALLOCATION PlayStore Rating: 4.3 100% Q3 FY 21 Q3 FY22 ■■Q3 FY 21 Q3 FY22 Peer Private Group = Top 5 private banks in the country 37 IndusInd Bank#38Whatsapp Banking: Comprehensive stack of 40+ services on whatsapp with 3.6 mn clients. Whatapp Banking: Offer 40+ services for clients across segments During the quarter added services such as account statement download and credit card services on whatsapp for customers including payment of credit card bills via whatsapp 4.0 million 3.5 3.0 Registered Base of 3.6 Mn up 82% YoY 82% 2.5 2.0 926 0. Indusind Bank your reward points Account statement les You have following linked account with us 1.3000X7311 2XXX2341 To select the account, please repity with tast four digits of the account or option #fore.g Reply the ending with 1234" or "Option" 1.5 11:11 <17 Indusind WA Indusind Bank 1.0 0.5 Example: type Credit Card Details 2.0 3.6 2:44 PM 0.0 Show balance Indusind Bank Statement Of Account Q3'FY21 Q3'FY22 Credit Card Details SACHIN & TENDULK All services Happy to help you Can you please specify the period for statement? Please select from the below button options Indusind WA Hello! Welcome to Banking on WhatsApp with Indusind Bank Transactions up ~3X YoY Monthly active users up 116% YoY Depost TURAL 2265 350.0 Indexed transactions Indexed monthly active Credit Card Details 2:44 PM 250.0 user base Last 6 months Last month How do you wish to access the Message SMANN Pay Now MARE Happy to help you with your Credit Card details. Indusind Platinum Contactless Card 2416 Status ACTIVE Total Credit Limit - Rs. 10000.00 Available Credit Limit - Rs. 7903.00 Total Cash Limit - Rs. 2000.00 Available Cash Limit - Rs. 2000.00 Outstanding Rs. 2097.00 300.0 200.0 250.0 200.0 150.0 150.0 100.0 2:44 PM 100.0 Set CC Txn pref 50.0 50.0 100 293 100 216 0.0 0.0 Q3'FY21 Q3'FY22 Q3'FY21 Q3'FY22 38 IndusInd Bank#39Consequently, 92% of bank's transactions are digital and 71% of service requests processed digitally ~71% of Bank's service requests processed straight through digitally via channels as self service ~92% of Bank's transactions are digital 92% 68% 71% Q3'FY21 Q3'FY22 Service Requests include account maintenance requests such as adhoc statements, PIN set/reset, card hotlisting, updation of address, email ID, etc Requests processed digitally via channels excludes requests originated on Branch / ATM Contact Centre and includes only self service 39 89% Q3'FY21 Q3'FY22 IndusInd Bank#40Indus Easy Credit for Individuals enabling digitization of Cards & PL with gains in efficiency and turnaround time % of digital sourcing Credit Cards Personal Loans 60% 60% Indus Ceasy CREDIT For Individuals Now Live Across Do It Yourself: 200,000 40% 40% 54% 50% 20% enquiries per month on the (Do 38% 20% 37% It Yourself)/ Self Service Journey 0% 0% Q3 FY 21 Q3 FY 22 Q3 FY 21 Q3 FY 22 Digital % Digital % • • . • 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 leveraging machine learning based algorithms Video-KYC enabled 138+ Offline Partners live 2 Digital partners live; 5 Digital Partners under integration 275+ Bank Sales team 660+ Partner Sales Team Indexed 100 TAT to Decision From To 1-2 Instant days Cost of Processing per unit No printing, • E-agreement, E-sign, E-stamping and E-nach setup Leverages 35+ internal and external interfaces to power the journey 50+ Branches and 500+ employees in branches 40 50 100 courier, scanning, data entry / processing 20 costs From Cost of Processing Το IndusInd Bank#41Launched Indus Merchant Solutions: Gaining traction with both existing clients as well as new to bank clients in the segment ACCEPT PAYMENTS FROM ANYONE AND ANYWHERE SIMPLIFIED EVERYDAY BANKING Ab kholiye apni dukaan ki IndusInd Bank Installed base of 8750+ users within a few days of launch 8751 470.00 1050000 tarakki kam khaata All your banking needs in one App Payments. Banking. Loans. Indus MERCHANT SOLUTIONS Apnao Indus SOLUTIONS MERCHANT Indusind Bank Sales Summary 174546 *10.20.450 15.34983 D OR Cade Q3'22 Installed Base One app, multiple benefits All-in-One App for all your banking loan and payment needs Pre-approved Loans instantly and without any security One Stop Payment Solution with POS QR Code and PayByLink Paperless Account Opening gets your business started quickly Auto-settlement of payment in your account by next morning Digital Ledger for managing your credit ledger conveniently Scan and Download now 60% of users New to Bank indicating strong pull for the proposition 22% New to Merchant Proposition IndusInd Bank#42Launched 2 products under "Indus easycredit for Businesses" - Small Ticket Business Term Loan Building the "Digital SME Stack" by leveraging microservices based APIs Small Ticket Business Term Loans Indus ✓ easy CREDIT For Businesses. Focused products for <2 crores segment. Live Small unsecured business loans GST based overdraft In-principle sanction calculator ✓ Digital loans of upto 20 lacs in < 15 mins 100% digital origination for self-employed and sole- proprietorships ✓ Great uptake in the newly launched DIY app for merchants ✓ Completely paperless and powered by India Stack to deliver seamless loan disbursement ✓ Real time underwriting leveraging GST, Banking, Bureau - Instant decisioning and same day sanction Cash credit and non fund based limits WIP 42 ✓ Using state-of-art algorithms for credit scorecards ✓ All digital channels activated - mobile, web and call center ✓ Assisted channels to be made live in Q4 & Web Mobile Call Center RM Branch Partnerships IndusInd Bank#43Launched 2 products under "Indus easycredit for Businesses" - GST based Overdraft facility Building the "Digital SME Stack" by leveraging microservices based APIs GST based Overdraft facility ✓ Fully digital and paperless GST-based OD loans Small unsecured ✓ Overdraft facility upto 2 Cr application in < 30 mins business loans ✓ Launched PAN bank in Dec-'21 with good response from sales/credit teams Indus Ceasy CREDIT For Businesses. Focused products for <2 crores segment. GST based overdraft In-principle sanction calculator Cash credit and non fund based limits Through-the-door acquisition metrics validates our state of the art scorecards ✓ Extending the scorecard to build a pre-screening calculator to issue in-principle sanction in 5 mins ✓ All digital channels activated - mobile, web and call center ✓ Operations and auto-Disbursement flow to be automated in Q3 ✓ New scorecards being developed to be deployed for Cash credit thus moving towards a uniform assessment across all SME products Live WIP Web Mobile RM Branch Partnerships 43 IndusInd Bank#44Collaborating with ecosystem players to generate business and to create enriched customer value propositions: Live with 260 partners and several more underway IndusInd API Stack (400+ APIs on API Gateway) Customer Onboarding - eKYC, VKYC, FD Booking · Personal Loans Credit Cards • POS, QR, payment gateways • Instant Settlement Payment Solution Business Rule Engine / UW* - Decision As a Service Aggregators • Convert spends to EMI Providers Unsecured business loans Co-lending with Fin-techs & NBFCs Payments & Collections Decision As a Service Document Management • Invoice Discounting Purchase Finance UW* = Underwriting Accounting/ Taxation Solution Providers Current Account Business Loans Neo-Banks Full stack cross product partnerships 44 B2B Payment Banks, Wealth fin-techs Fixed Deposits 3-in-1 accounts Commerce Platforms • Current Account • Business Loans Invoice Discounting IndusInd Bank#45Creating future ready tech stacks and platforms - building cloud native, micro-services based API-led stacks • Key Principles ◉ Chatbots Web Mobile Call Center RM Branch Partnerships Omni-Channel Client facing applications Advanced Analytics & Machine Learning . Self / Assisted Mobile/Web/ TAB API Management Micro-services based, modular architecture providing agility and flexibility to integrate with partners KYC / Fraud Analytics Real time Under- Pricing Wallet Share writing Hyper Personalized Engagement Micro-Services / Data Management for advanced analytics Structured as well as unstructured data API Gateway, Sandbox environment / developer portals . • • Cloud based data warehouse Strong data governance model Core Systems - "Hollowing" the core and moving to new age cloud native core stacks API Driven • Modular Scalable Security Infrastructure - Cloud Native, Containerized for new age applications New Age Workforce Digital Product | Digital Marketing | Partnerships & Alliances | Advanced Analytics 45 Reliability Building "Agile" Culture IndusInd Bank#46Awards & Recognition Easycredit recognized as the "Best New Product Launch of the Year - Loans" by the Digital Banker at the Global Retail Banking Innovation Awards THE DIGITAL BANKER GLOBAL RETAIL BANKING INNOVATION AWARDS BEST NEW PRODUCT LAUNCH OF THE YEAR - LOANS 46 IndusInd Bank WINNER INDUSIND BANK THE DIGITAL BANKER IndusInd Bank#47Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups G Healthy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 47 47 ال Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG -Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#48Our Strategic Elements of Sustainability and ESG GOVERNANCE Framework to oversee implementation of sustainable strategies, practices and policies SUSTAINABLE OPERATIONS Health, safety and enviromental performance of our operations & Sustainable procurement practices in Supply Chain CORPORATE SOCIAL RESPONSIBILITY Contributing to local communities and promoting the well-being of society and natural surrounds at large. Governance Responsible Banking Sustainable Operations Key Elements of Sustainability & ESG Sustainable Finance Corporate Social Responsibility Human Capital Development 48 42 RESPONSIBLE BANKING Environmental & Social risk assessment incorporated in our lending practices Direct Links to Key Sustainability Policies ■ Workplace Health & Safety Policy ■ " Performance Evaluation Policy Policy on remuneration of non-executive directors SUSTAINABLE FINANCE ESG integration in our products ■ Related Party Transaction Policy Code of Conduct for Directors & Senior Management " Policy For Appointment Selection of Directors Details of Agreements With Media Companies " Whistle Blower Policy ■ Code for fair disclosure of sensitive information " Protected Disclosure Scheme HUMAN CAPITAL DEVELOPMENT Emphasis on employee diversity, development and engagement. ◉ Grievance Redressal Mechanism Grievance Redressal Policy Policy for inactive accounts " Code of Practices & Procedures for Fair Disclosure " CSR Policy#49Key ESG Performance Highlights For FY21 צווור 12 Years of Reporting on Sustainability Initiatives -- -46% of Total Lending ESG Focused 8.83 Million Beneficiaries Through Micro Finance Bank's GHG Emissions Intensity per Unit Revenue has decreased by 22.33% over last year The Bank's carbon footprint per full-time employee (FTE) has gone down by 15.37% 3 Green buildings LEED Gold and Platinum rated corporate offices 56,000 trees planted across FY2020-21 Total Electricity Emissions have gone down by 17.31% in FY2020-21 Emissions from Business Travel has reduced by 92.25% & Hotel Stays reduced by 34.16% due to the travel restrictions & nationwide lockdown 63% increase in rural customers over the past year 5,528 women employees 2/9 Women Directors in FY2020-21 on the Board ~280% Growth in registrations and active users in FY 2020-21 for Banking on WhatsApp III Average monthly used services increased from 4 to 6.3 for an active customers in FY2020-21 口 The Bank conducted 8,52,990+ training man-hours for 5,05,130+ participants through 1,590+ programmes 49#50A Few Achievements IR INTEGRATED REPORTING Integrated Reporting ■ 3rd Year of Integrated Reporting ■ External assurance of Integrated Report ■ 12 Years of Sustainability Reporting Dow Jones Sustainability Indexes Dow Jones Sustainability Index Only Indian bank and one of the 55 banks globally to be included in DJSI's 'The Sustainability Yearbook 2021' ■ One of the 21 Indian companies to be a part of the Yearbook ■ Achieved Percentile Rank 87 in FY 22 Sustainable Finance Portfolio* Sustainable Finance ■ Green & Climate Finance: 2.85% of Bank's loan book in FY21 ■ Social Livelihood & Inclusive Finance: 43.25% of Bank's loan book in FY21 Externally assured by E&Y REFINITIV Refinitiv ESG Rankings ■ IndusInd Bank as a top performer showcasing excellence and high transparency ■ Highest Rating among Indian Banks ■ IndusInd Bank ranked 60th out of 982 global Banking Services companies CO2 Greenhouse Gas (GHG) Emissions Reduction ■ Achieved emission reduction of 36% in FY 21 as against target of 15% reduction in FY 21 ■ Externally assured by Deloitte 50#51Key Strengths of the Bank Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability Franchise Strong Product Groups Heathy Capital Adequacy Disproportionately Large Distribution Network Executing Digital 2.0 Strategy 51 ال Profitability amongst the Highest in Industry Stable Asset Quality with Conservative Provisioning ESG - Core to the Business Philosophy Experienced Board and Management Team IndusInd Bank#52Board of Directors with Varied Expertise Name Mr. Arun Tiwari Mr. Shanker Annaswamy Dr TT Ram Mohan Mrs. Akila Krishnakumar Mr. Rajiv Agarwal Mr. Sanjay Asher Mrs. Bhavna Doshi Mr. Jayant Deshmukh Mr. Sumant Kathpalia Nature of Directorship Non-Executive, Non- Independent, Part-time Chairman Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Non-Executive Independent Director Managing Director & CEO Special Knowledge/Expertise Banking, Finance, Human Resource, Risk Management and Business Management. Information Technology, Human Resource, Risk Management and Business Management Banking, Finance, Economics and Risk Management. Information Technology and Payments and Settlement Systems, Human Resources and Business Management Small Scale Industry Law and Accountancy Accountancy and Risk Management. Agriculture and Rural Economy and Cooperation. Banking and Accountancy, Risk Management and Business Management. 52 Prior Experience Previously, CMD of Union Bank of India, Executive Director of Allahabad Bank, Various leadership roles at Bank of Baroda, served on the Boards of various companies and associations Previously, MD of IBM India Private Limited, President and Chief Executive Officer for GE Medical Systems, South Asia, MD of Wipro- GE Medical Systems, served on the Boards of various councils and associations - Retd. Professor of Finance & Economics at IIM Ahmedabad, Previously, Divisional Manager, Tata Economic Consultancy Services, Head of Strategy, Standard Chartered Bank, India, Vice President Bear Stearns, Hong Kong, and Head of Research, Birla Marlin Securities Previously, President - Global Technology at Sun Gard· a Fortune 500 Company and a global leader in Financial Services Software. One of the Founder- Promoters of Mindtree Ltd. (since divested). Promoter in several small-scale ventures, primarily manufacturing concerns with 38 years of experience in 'Small Scale Industries' segment, Presently, a Senior Partner with M/s Crawford Bayley & Co., one of India's oldest Law Firm. Specializes in the fields of M&A, cross-border M&A, joint ventures, private equity and capital markets Previously, Partner at KPMG India, Served on various Committees of Institute of Chartered Accountants of India (ICAI) Previosly, Director of Agriculture, Maharashtra State, Held many important positions in the Department of Agri, Maharashtra Career banker with years of rich experience in large multi-national banks such as Citibank, Bank of America and ABN AMRO. IndusInd Bank#53Experienced and Well-knit Management Team Name Mr. Sumant Kathpalia Designation Managing Director & CEO Exp (Yrs) 30+ Prior Experience Career banker with years of rich experience in large multi-national banks such as Citibank, Bank of America and ABN AMRO Deputy CEO - - - - Mr. Arun Khurana Mr. S.V. Zaregaonkar Mr. S.V. Parthasarathy Mr. Sanjeev Anand Mr. Ramesh Ganesan Mr. Zubin Mody Mr. Sanjay Mallik Mr. Ramaswamy Meyyappan Ms. Roopa Satish Mr. Bijayananda Pattanayak Mr. Soumitra Sen Mr. Anil M. Rao Mr. Anish Behl Mr. Samir Dewan Mr. Rana Vikram Anand Mrs. Charu Sachdeva Mathur Mr. Siddharth Banerjee Mr. Gobind Jain Mr. A. G. Sriram Chief Operating Officer (COO) Mentor Consumer Finance - Head Technology and Corporate & Global Market Operation Chief Human Resources Officer Head Investor Relations & Strategy Chief Risk Officer - Head Portfolio Management & CSR Head Gems & Jewellery - Head Wealth & Para Banking Head Affluent Banking & International Business Head Pan Bank Liability Group, Customer Service & Synergy Head- Digital Banking & Strategy (Existing Business) Head Global Markets and FIG - Chief Financial Officer Head Consumer Finance = 28+ Regional Head Corporate Solutions Asia-Pacific Markets of RBS Singapore 43+ Joined IndusInd Bank in 1995 as Head - Operations; Chief Manager Dena Bank 41+ Executive Director, Ashok Leyland Finance Limited Head Corporate, Commercial, Rural & Inclusive Banking 29+ - Head Commercial Banking, ABN AMRO Bank (India) 30+ Executive Director, ABN AMRO Bank (India) 28+ 30+ Head HR, ICICI Lombard General Insurance Company Limited Director, BROTKO, his own financial services firm; Held prior positions at ANZ Bank, ABN AMRO Bank (India) and Standard Chartered Bank 28+ Chief Risk Officer at JP Morgan Chase Bank NA, Mumbai 28+ Head Mid Markets (Western Region), ABN AMRO Bank (India) 35+ Managing Director and Member, Global Management Team IDGJ of ABN AMRO Head Consumer Banking & Marketing 30+ Leadership positions at ABN AMRO Bank NV, RBS, Deutsche Bank AG & Nestle Head Consumer Operations & Solution Delivery 26+ Various positions at ABN AMRO Bank, RBS and Bank of America 25+ Executive Director, Bancassurance - Asia at ABN AMRO Bank NV 25+ 30+ 15+ COO Private Banking, Asia at RBC, leadership positions with Bank of America, ANZ, and ABN AMRO. CEO at Cointribe (leading fintech), Various leadership positions at ABN AMRO Bank NV, ANZ & RBL Financial services and telecom advisory at Boston Consultancy Group (BCG) 25+ Various position at HSBC, Deutsche Bank, HDFC Bank, ABN AMRO NV, and ANZ Bank 29+ 29+ Joint President Group Account & MIS, Kotak Mahindra Bank; held prior positions at ICICI Bank, Bank of America, Bank Internasional Indonesia and RBI Multiple roles across Credit, Operations and Sales including leading Construction and Commercial Vehicle Segment. 53 IndusInd Bank#54Accolades vmware Customer Exp VMware Customer Excellence Award for Improved Customer Experience (Oct 21) IndusInd Bank is awarded with the Global VMware Customer Excellence Award Infosys Finade Finacle Innovation Awards 2021 (Nov 21) IndusInd Bank was the winner in the following categories a. b. COVID Response Innovation (for the initiative - Indus Easycredit for Individuals) Ecosystem-led Innovation (for the initiative - Aggregator Framework) Account Position 54 54 DigiDhanAwards 2020-21 IndusInd Bank has been awarded with the Utkarsh Puraskar of DigiDhan Award 2020-21 for achieving 1st highest percentage of digital payment transactions (Category: Large & Media Pvt. Sectors Bank) IndusInd Bank#55Product Launch Club Vistara IndusInd Bank Explorer Credit Card The card was launched on 27th September 2021 with a Press Ad in Times of India and Economic Times CLUB Vistara Indusind Bank THE WORLD IS YOURS TO EXPLORE Introducing Club Vistara Indusind Bank Explorer Credit Card Indusind Bank EXPLORER Key privileges include: Up to 5 Complimentary Business Class Ticket Vouchers* on milestone spends every year Up to 8 Club Vistara points on every INR 200 spent Zero foreign currency mark-up on all spends Complimentary Club Vistara Gold membership for one year VISA we you pre perences Chef Vistas de Bank Explore Credit Cand perfect perfe Enjoy exclusive privileges: Up to 5 Complimentary Business Class Ticket Vouchers on new scenery year Zero Foreign Up to 8 Clab Currency Mark-Up Vistara Paints for One time joining fee of INR 2,000 with welkome benefits of over 50,000 incl 11Cary G LetsExplore Corect with 55 IndusInd Bank#56THANK YOU IndusInd Bank#57Disclaimer 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. 57 57 IndusInd Bank