#1IndusInd Bank - Investor Day 22nd November 2022 1#2IndusInd Bank - Investor Day Presentation-1 Bank's Strategy IndusInd Bank#3Presentation Path 1 Backdrop of the Bank's Strategy 2 Building Blocks in Place 3 Focused on Sustainable Growth IndusInd Bank#4Evolving Operating Environment and Bank's Response/Performance Macro Developments Bank's Performance Tightening Liquidity Competition for Deposits Healthy Credit Growth Interest Rate Hikes Improving Asset Quality LCR of 125% | Surplus Liquidity of ~47,000cr | Credit Deposit Ratio of 82% Deposit Growth of 15% | Retail Deposit Growth of 16% Loan Growth of 18% | Record Disbursements in Domains NIMS improved to 4.24% from 4.20% in last 2 Quarters Consistent Reduction in Gross Slippages and Provisions IndusInd Bank#51 Backdrop of the Bank's Strategy 2 Building Blocks in Place 3 Focused on Sustainable Growth IndusInd Bank#61 Management Beliefs Driving Our Strategy Business Philosophy 222 Approach towards Customers Technology Governance Universal Banking Approach Branch and Digital to Co-exist Infrastructure to Support and Complement Each Other Domains Deliver Strong Risk Adjusted Returns Scale, Security and Reliability benchmarked to new age Quality of Earning More Important than Quantity of Earnings Client Engagement as per digital players Client's Convenience Sustainability at the Core of Doing Business Provide ability to deliver frictionless hyper personalized client experience 6 IndusInd Bank#72 IndusInd Bank: A Differentiated Franchise Diversified Loan Book with Domain Expertise in Livelihood Loans Robust Liability/Funding Franchise. Strong Product Groups Disproportionately Large Distribution Network with Deep Rural Presence Customer Centric Future Ready Digital 2.0 Strategy Experienced Management Team 7 IndusInd Bank#83 Our Core Executive Team Refreshed with Smooth Succession Mr. Arun Khurana Deputy CEO Mr. Sumant Kathpalia Managing Director & CEO 20 Mr. Sanjeev Anand Head - Corporate, Commercial, Rural & Inclusive Banking Mr. Bijayananda Pattanayak Head - Gems & Jewellery Mr. A. G. Sriram Head - Consumer Finance Mr. Soumitra Sen Head - Consumer Banking & Marketing Mr. J Sridharan Executive Vice Chairman - Bharat Financial Inclusion Ltd Mr. Samir Dewan Head - Affluent Banking & International Business Mr. Siddharth Banerjee Head - Global Markets and FIG Mr. Rana Vikram Anand Head - Pan Bank Liability Group, Customer Service & Synergy Mr. Gobind Jain Chief Financial Officer Mr. Ramaswamy Meyyappan Chief Risk Officer Mr. Ramesh Ganesan Head - Technology and Corporate & Global Market Operation Mr. Zubin Mody Chief Human Resources Officer Mr. Anil M. Rao Head - Consumer Operations & Solution Delivery Mr. Anish Behl Head - Wealth & Para Banking Mrs. Charu Sachdeva Mathur Head- Digital Banking & Strategy (Existing Business) Ms. Roopa Satish Head - Portfolio Management & CSR Mr. Murlidhar Lakhara Chief Compliance Officer Mr. Jyoti Prasad Ratho Head - Inspection & Audit Mr. Indrajit Yadav Head-Investor Relations & Strategy 8 IndusInd Bank#9180 FY08 FY09 4 The Bank has Delivered Scale with Profitability over the Years 12,795 • FY08 FY09 Loan Book (Rs.cr) CAGR 23% FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 Branches (#) 2,320 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 9 FY08 2,60,129 2,869 19,037 Deposits (Rs.cr) CAGR 21% FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 Employees (#) 36,281 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 IndusInd Bank 3,15,532#105 The Bank, however, Faced a Few Internal and External Challenges in Last Couple of Years Concerns on potential Corporate slippages and chunky exposures Government Deposit Outflows Covid-19 outbreak and impact on ‘high touch' businesses such as Vehicle Finance & MFI Adequacy of capital and provisions to see through volatility Management transition amidst these challenges 10 82 75 FY08 Profit After Tax (Rs.cr) 4,805 3,436 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 Provisions (Rs.cr) 6,665 2,392 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 H1 FY23 IndusInd Bank#116 The Bank Responded with Recalibration of Strategy Towards 'Scale with Sustainability' Broad Themes Strategy Planning Cycle 5 (2020-23) Scale with Sustainability Leapfrog Digital Banking Fortifying Liabilities Scaling up Domains of Expertise Investing in New Growth Engines Conservative & Robust Practices 11 IndusInd Bank#127 With Strategic Priorities as 1. Retail Liabilities Surge 5. New Growth Boosters 2. Fine-tuning Underpinned by 6. Digitization & 7. Corporate Bank Approach Sustainability 3. 4. Scaling up Domains Holistic Rural Banking 12 IndusInd Bank#138 And Well Defined Sustainability Metrics Lower Non-Funded to Funded Ratio PCR >65% 13 Credit to Deposit Ratio <95% Unsecured Retail <5% Certificates of Deposits 5%-10% Retail LCR Deposits 45%-50% IndusInd Bank#14Resulting in * *For FY22-FY23 Planning Cycle 5 (2020-23) Loan Growth CASA Ratio 15%-18%* > 40% Revenue Growth Exceed Balance Sheet Growth PPOP / Loans Branch Network Customer Base 14 > 5% 2,500 Double to >45mn IndusInd Bank#151 Backdrop of the Bank's Strategy 2 Building Blocks in Place 3 Focused on Sustainable Growth IndusInd Bank#16Laying Foundation for Growth 1 Fortified Liability Franchise with Strong Liquidity Buffers in Place 2 Fine-tuned Corporate Bank Approach 3 Domains Outperformed Industry 4 Maintained Healthy Operating Margins & Improved Stressed Coverage 5 Continued Investment in Growth Boosters 6 Strengthened Leadership & Talent Base 7 Reinforced Risk Management Framework 8 Bolstered Support Functions 16 IndusInd Bank#171a Fortified Liability Franchise with Focus on Retailisation of Deposits Robust Deposit Growth Driven by Retail & CASA ~81% of incremental deposits from retail & CASA (Rs.cr) 21,722 3,15,532 24,381 i 67,403 20% I CAGR 2,02,026 Deposits Retail LCR CASA* Others Deposits (Mar-20) Deposits (Sep-22) *excludes CASA considered as part of Retail LCR Deposits Scaled up New Initiatives (Rs.cr) Mar-20 Mar-21 ■Mar-22 ■Sep-22 23,175 38,669 28,358 19,506 Ramped up Client Acquisition NTB CASA & Retail TD Acquisition (#) Continue Investment in Distribution Network Narrowing Differential with Large Peers 536 2,265 2,320 396 2,015 1,911 289 100 Q4FY20 Q4FY21 Q4FY22 Q2FY23 Mar-20 Mar-21 Mar-22 Sep-22 Indexed to Q4FY20 Moderating Cost of Deposits (%) Reduced Concentration of Deposits 6.8% 6.1% 5.0% 5.1% 4.6% Top-20 Deposits as % of Total Deposits 23% 17% Q4FY19 Q4FY20 Q4FY21 Q4FY22 Q2FY23 Mar-20 Sep-22 Affluent Deposits NRI Deposits 17 IndusInd Bank#181b Strong Liquidity Buffers with Diverse Sources of Funding Healthy Liquidity Coverage Ratio (%) With Buffers in Place Average Surplus Liquidity (Rs.'000cr) Credit / Deposit Ratio (%) 145% 51 112% 126% 125% 102% 42 47 83% 81% 82% Q4FY20 Q4FY21 Q4FY22 Q2FY23 Q4FY21 Q4FY22 Q2FY23 Surplus liquidity including excess SLR Reduced Dependency on Certificate of Deposits Certificate of Deposits % of Deposits 16% 3% 3% 3% Mar-20 Mar-21 Mar-22 Sep-22 Lowered Share of Borrowings Borrowing mix Constituted by Long Term Sources Borrowings % of Deposits Borrowing Mix as on Sep-22 (%) 30% 20% 16% 13% Short-Term Infrastructure FCY (less Bonds than 12 4% months) 5% Tier 2 Bonds 7% AT1 Bonds .4% Refinance from Development Finance Institutions 50% Mar-20 Mar-21 Mar-22 Sep-22 Mar-20 Mar-21 Mar-22 Sep-22 Long-Term FCY 30% 18 IndusInd Bank#192 Fine Tuned Corporate Bank Franchise with Focus on Building Granular Low Risk Portfolio 1 Loan book orientation towards higher rated granular portfolio Corporate Book: No New Surprises Corporate Slippages - Trailing 4 Quarters Standard book slippages (exc. restructured) 5.1% -Gross slippages 2 5.0% Portfolio rebalancing done with significant reduction in chunky exposures 4.0% 3.0% 1.6% 2.0% 1.5% 1.0% 1.1% 0.5% 0.0% 3 Building Specialization with re-orientation of coverage groups Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 4 Robust portfolio monitoring with focus on sharpening overall RORWA 40% Steadily Pivoting towards Growth after Rebalancing Corporate Loan Growth - YoY% 39% 26% 30% 23% 20% 5 10% 0% -9% Fee Income focused on annuity streams -10% 19 -20% Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Indusind Bank#203 Domains Outperformed Industry Amidst Macro Challenges 100 100 Vehicle Finance 60 DPD (%) 100 28 29 12 Micro Finance 100 100 86 82 100 100 100 76 CV CE PV Tractor TW Industry ■IBL Indexed to 100 DPD percentages averaged for the period of Jun-20 to Jun-22 62 52 Gems & Jewellery • No Restructuring • No NPA • No SMA1 & SMA2 35 90DPD (%) 30 DPD (%) 60 DPD (%) Industry IBL Indexed to 100 20 20 IndusInd Bank#214 Maintained Healthy Operating Margins & Improved Stressed Coverage Stable NIMS Granular Fee Mix Range-bound Cost to Income Ratio 15% 8% 4% 1% 1% Investment Banking 19% 23% 21% 21% 42.9% 42.6% 43.9% 4.25% 4.20% 4.24% ■Other 27% 41.1% 4.13% Corporate 52% 57% 64% 71% ■Retail 49% 21% ■Trading 9% 16% 14% 7% Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Q4 Q4 Q4 Q4 Q4 Q2 FY19 FY20 FY21 FY22 FY23 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Maintained Amongst the Industry Best PPOP Margin Healthy Provision Coverage Ratio With Significant Contingent Provisions 75% 72% 72% 63% 43% 6.0% 5.8% 5.7% 5.5% الاتر 1,750 260 3,328 2,653 Total Loan Related Provisions @140% of GNPA @3.0% of loans Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Q4 FY19 Q4 FY20 Q4 Q4 Q2 Q4 Q4 Q4 Q2 FY21 FY22 FY23 FY20 FY21 FY22 FY23 21 IndusInd Bank#225 Continue Investment in New Initiatives to Boost Growth Holistic Rural Banking Rural Focused Loans Tractor KCC BFIL Agri Business Group 15% CAGR 17% of Loans FY20 FY21 FY22 H1FY23 4,670 Tractor Finance (Rs cr) Affluent Banking Net Relationship Value (Rs.cr) NRI Banking Deposits (Rs.cr) 31% CAGR 17% CAGR 59,935 63,287 28,358 25,706 26,801 50,903 19,506 32,076 19% of Loans 28% CAGR 8,611 7,907 6,653 FY20 FY21 FY22 H1 FY23 FY20 FY21 FY22 H1 FY23 Affordable Housing (Rs cr) 16% CAGR 1,974 1,917 1,790 1,313 FY20 FY21 FY22 H1 FY23 FY20 FY21 22 Merchant Advances - BFIL (Rs.cr) 376 10 2,675 1,943 FY20 FY21 FY22 H1 FY23 FY22 H1 FY23 IndusInd Bank#236 Strengthened Leadership and Talent Base Continue to Strengthen Human Capital Organisation Structure MD & CEO Audit Committee of Board (ACB) Deputy CEO 1 Smooth succession planning across leadership positions 2 Reorganised Corporate Banking Unit with Lateral Hiring and Internal Reallocations Product Groups 3 Carved out dedicated Digital Banking Unit with focus on attracting best talent 4Fortified Assurance Functions 5 Strengthened Staff Accountability; Re-aligned with Compensation Business Groups CCBG, Rural & Inclusive Banking • Consumer Finance Division • Microfinance Gems & Jewelry • Consumer Banking • Affluent & International Banking • Wealth & Para Banking Digital Bank 23 • Support Services Credit & Risk Finance • Technology . • Operations • SDG Human Resources IR & Strategy Other Support functions Governance & Social Inspection & Audit Compliance • Vigilance • Portfolio Management & Sustainability IndusInd Bank#247 Reinforced Risk Management Framework Incorporating Past Learnings & Evolving Macro Environment 1 Reduced corporate exposure Concentration; Increased focus on granular high rated working capital loans 2 Conservative Capping of Sensitive Sector Exposures; Tightened overall Concentration Exposure norms 3 Enhanced usage of Data for Risk analytics; Enriched Early Warning Signal (EWS) with Al based set of algorithms 4 Updated policies & risk models in line with evolving macro environment & learnings from past 5 Launched Digital Policy Management Module ensuring timely review & update of policies across the business units 24 IndusInd Bank#258a IT Strategic Priorities Aligned to Bank's Strategic Objectives Building Highly Scalable and Performance oriented environment • • • Enhancing Core Banking System Architecture Hybrid Cloud & Infrastructure as a Service model On-Premise Software Defined Data Center Auto Scalable applications using modularization Customer Experience is at Centerpiece of our initiatives Future ready enterprise solution CRM NEXT End-to-end paperless, presence-less, cashless real-time journeys for PL & CC (Straight-Through-Processing) Banking on WhatsApp & Alexa with Natural Language Processing Top Class IT Security & Risk Management • • Enhancing Convenience via Product Innovation Embedded end-to-end security architecture Strict adherence with data related compliances & standards Holistic cyber security & threat detection Risk Engine using Al and machine learning techniques to profile the end user behavior • Unified Cash, Payment and Trade Portal Enterprise Payments Hub moving entire real time payments stack to a cloud based environment UPI based retail product offering Cloud based platform for simplified open banking First bank to be certified on Account Aggregator (AA) 25 IndusInd Bank#268b Multiple HR Initiatives for Enhanced Employee Experience & Engagement HR Mobile App: One Stop Solution for all Employee needs Curated and Rolled out Multiple Activities and Programs for Women Employees under ELEVAT INTRODUCING INDY AL CHATBOT TO HELP YOU ANYWHERE ANYTIME Many questions one assistant ELEVATE Interactive platform to answer employee questions Enhanced employee experience Indus Remote support Anytime, Anywhere 24x7 Fast & personalised response Direct action from bot for leave, payslip attendance regularization etc. Raise Ticket for Service request Scan the QR code to download the app Track status of ticket Natural Language Processing 26 Gamified Learning Modules Al based Chat Bot with 24x7 Support SPACE ADVENTURE IndusInd Bank 6:54 10 Indusind Bank "Indi" is online Hello, I am Your personal HR assistant. Timings are as folows AnnCorporate office shift timings- 09:15 to 1815\nRegional/Zonal/sales office shift timings 09:45 to 1845\nBranch timings - 07:15 to 18:15 Is your concern has been resolved? Yes No yel 50% + Presenting our new game based module on Operational Risk Management Here is your chance to get an in-depth overview of Operational Risk Management, including the 5 steps of the ORM process. START NOW You can now access this E-Learning Module on your Mobile. Download the Indus Evolve App. now! Team Learning & Development Human Resources Thank you Was this helpful? Thank you for your feedback! Type here SEND MENU For Internal Circulation Only. IndusInd Bank#27Overall, We have moved towards Improving Sustainability of Organisation FY20: 102% FY20: 3.15x FY21: 2.34x Lower Non-Funded FY22: 2.30x H1FY23: 2.85x to Funded Ratio FY21: 83% FY22: 81% H1FY23: 82% Credit to Deposit Ratio <95% CRAR FY20: 15.04% FY21: 17.38% Certificates of Deposits 5%-10% FY20: 16% FY21: 3% FY22: 3% H1FY23: 3% FY22: 18.42% H1FY23: 18.01% FY20: 63% FY20: 31% PCR FY21: 75% Retail LCR Deposits FY21: 37% FY22: 72% >65% 45%-50% H1FY23: 72% FY22: 41% H1FY23: 41% Unsecured Retail <5% FY20: 4.3% FY21: 4.1% FY22: 3.8% H1FY23: 4.3% 27 IndusInd Bank#281 Backdrop of the Bank's Strategy 2 Building Blocks in Place 3 Focused on Sustainable Growth IndusInd Bank#29Themes for the Coming Years: Growth with Sustainability 6 Sustainable Banking 5 Becoming Employer of Choice 29 1 Loan growth acceleration New Growth Boosters 4 Deposit mobilization to continue арасе 2 Leapfrogging Digital 2.0 3 Indusind Bank#301 Acceleration in Loan Growth Led by Areas of Domain Expertise Steadily Pivoting towards Loan Growth Vehicle Finance Loan Book (Rs.'000cr) 55 58 56 57 58 59 67 65 61 61 62 60 59 61 Q1FY20 Q2FY20 Q3 FY20 Q4FY20 Q1FY21 Q2FY21 Q3 FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Corporate Loan Book (Rs.'000cr) 90 90 95 91 84 85 88 91 92 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 99 105109114 122 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 18 19 MFI Loan Book (Rs.'000cr) 21 24 23 22 23 26 26 28 28 Q1FY20 Q2FY20 Q3 FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3 FY22 Q4FY22 Q1FY23 Non-Vehicle Retail Loan Book (Rs.'000cr) 42 40 32 33 34 31 33 34 35 34 34 35 37 32 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 30 All Businesses are Poised for Loan Growth Acceleration Domains Poised for Loan Growth 31 29 30 1 with Cyclical Recovery Q2FY23 2 Growing Corporate Book under Revised Risk Framework 3 Scaling up Sub-scale Businesses IndusInd Bank#312 Deposit Mobilization to Continue Apace; Multiple Initiatives in Place Multipronged Strategy in Place with Data Intelligence Driven Client Engagement Approach Best-in-Class Experience at "PIONEER" Branches PIONEER Doorstop Banking with Bharat Money Stores across 7,000+ villages 1 2 Strengthening the Core Business Branch Network Expansion Market Share Gain in Home Markets SKY (Digital) Branches to boost productivity Leveraging Inter BU Synergies Continue Scaling New Initiatives Affluent Banking NRI Banking SME Banking/Business Owner Segment Rural Banking 0 BHARAT™ MONEY 31 3 Invest to Boost Growth Merchant Acquisition (Digitally enabled offering for enterprise merchants) Agency Business Digital initiatives focused on individuals, SMEs etc. IndusInd Bank#323 Leapfrogging Digital 2.0 Digital 2.0 Strategy to drive 3 main objectives across business lines Continued Execution on Our Digital 2.0 Initiatives 1 Build Enriched Digital Value Proposition Stacks 2 Build new digital business models 3 Transform existing lines of businesses Launched in FY22 1. Easy credit for unsecured retail loans 2. Easy Credit for Business O O D 32 3. Merchant solutions app Work in Progress 4. Differentiated payments & finance solution for individuals 5. SME Digital Offering IndusInd Bank#334 Scaling-up New Growth Boosters Scaling Up Existing Initiatives... Affluent Banking Pioneer" offering well accepted in the market Product & customer segment expansion to boost growth NRI Banking Ramping-up NR branches, international presence End to end digital offerings Tractor Finance Continue dominance with market leadership New market expansion Affordable Housing Leveraging vehicle finance distribution network Geography focused policies to capitalize on demand MSME Full stack digital offerings across spectrum Launch of new product & programs for small businesses Merchant Acquisition Diversifying BFIL asset Book Doorstep banking solutions micro retailers generating daily cash-flows 33 ...Adding New Boosters Home Loans Investment Banking Para Banking IndusInd Bank#345 Becoming Employer of Choice Work Opportunities Rewards Culture ਪੰਗ Tit Work Environment 1. Recognition & Autonomy 2. Work environment - quality infrastructure 3. Continuous evaluation and feed-forward Advancement 1. Continuous learning at work 2. Career development 3. Role advancement (horizontal/lateral) 4. Fast-track careers for Hi-PO's Pay & Benefits 1. Market-linked compensation 2. Increments and promotion linked to role and job-size 3. Fair and Transparent 4. Timeliness Affiliation 1. Pride & Trust 2. Collaboration & team spirit 3. Social responsibility 4. Open-door and meritocracy WORC @ INDUSIND BANK 34 IndusInd Bank#356 2022 Sustainable Banking: Integrating ESG with Business, Risk & Operations Highlights Integration of ESG Risk with Credit Risk Launch of ESG Theme Products Green Fixed Deposit Risk Sharing with Multilateral Agencies NR Home Coming with Akshay Patra Foundation GHG Intensity down from 3.8 to 3.1 MT of CO2e / Rs crore revenue in 2 years Growth in Climate Finance book from 2.85% to 3.26% of Bank's book* ➤ Only Indian Bank to be included in Dow Jones Sustainability Year Book Highest rating amongst Indian Banks in Refinitiv ESG Rankings We are winning at What Really Matters IndusInd Bank is proud to be the 'Best Bank for ESG - India' at Asia Money Best Bank Awards A BEST BANK AWARDS 2022 ASIAMONEY BEST BANK FOR ESG INDIA 2023 New Initiatives Planning for Carbon Neutrality by 2032 Launch ESG Theme Products Women Entrepreneurship - Focus in Retail Banking Finance for Water Sector - SME & Corporate Bank EV Car Finance - Vehicle finance Solar Rooftop Finance - Personal Loan Diversity & Inclusion EUROMONEY 2022 MARKET LEADERS *Assurance Certification Underway INDIA ESG 35 MARKET LEADER Accorded 'Market leaders in ESG' status by Euromoney for FY 2022 IndusInd Bank#36We are thus Committed to the PC-5 Ambitions Resulting in * For FY22-FY23 Planning Cycle 5 (2020-23) Loan Growth CASA Ratio 15%-18%* > 40% Revenue Growth Exceed Balance Sheet Growth PPOP / Loans Branch Network Customer Base 36 > 5% 2,500 Double to >45mn IndusInd Bank#37A Peep Into Potential "Planning Cycle 6" Asset Management, Retail Broking, Insurance Para Banking Green Ops, Lending, Employer of Choice, Governance "Sustainability” at the Core Domains to Contribute>50% of Loans Addition of a New Domain Scale up of New Initiatives Digital 2.0, SME, Home Loans, Private Banking 37 Surge in Client Acquisition Consistent Gain in Market Shares Traditional + Digital >4 mn per year Vehicles, MFI, SME, Cards, Deposits IndusInd Bank#38Potential Initiatives to Drive the Themes Ramping up Secured Retail Assets Micro Banking in Rural India Used Vehicles Scale-up INDIE Launch & Scale-Up Investment in Distribution Doubling of Affluent & NRI Business Driving SME & MSME Penetration Imbibing ESG in Business Addition of 4th Domain / Para Banking Opportunities 38 IndusInd Bank#39Potential "Planning Cycle 6" Outcomes Resulting in Tentative Indicators Loan Growth CAGR Ahead of PC-5 Loan Mix CASA Ratio 60%:40% Retail: Corporate > 45% PPOP / Loans Branch Network Customer Base 39 > 5.5% > 3,000 > 50mn IndusInd Bank#40THANK YOU Indusind Bank#41Disclaimer 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