Consolidated Financial Performance and Improved Deposit Profile

- Scale with Sustainability – Strengthened Balance Sheet FY20: 102% FY21: 83% Credit to Deposit Ratio <95% FY20: 3.15x FY21: 2.60x Lower Non-Funded to Funded Ratio FY20: 63% FY21: 75% PCR >65% CRAR FY20: 15.04% FY21: 17.38% Unsecured Retail <5% Certificates of Deposits 5%-10% FY20: 16% FY21: 3% Retail LCR Deposits 45%-50% FY20: 31% FY21: 37% FY20: 4.3% FY21: 4.1% IndusInd Bank

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