Financial Overview and Growth Strategy
IndusInd Bank at a Glance
5th Largest Private Bank
with Disproportionately
Large Distribution Network
*3,01,317 crs
Loans
* 3,47,047 crs
Deposits
35 mn
Diversified Across Products and Geographies
Customers
Across Segments
III
Universal Banking Approach
with Diversified Loan &
Deposit Mix
54:46 Loan Mix
Retail VS Wholesale
Strong Domain Expertise
Long Vintage across Cycles
Vehicle Finance
26% of the Loan Book
6,561
Group Network
Pan India
40% CASA
Stable Low-cost Deposits
Innovative Digital Approach
Overall Digital Transaction Mix at 93%
Micro Finance
11% of the Loan Book
Gems & Jewellery
4% of the Loan Book
Robust Balance Sheet
with Strong Capital Adequacy
& Contingency Buffers
18.40% CRAR
Tier 1: 16.89 | Tier 2: 1.51
132% Average LCR
Well above regulatory requirement
71% PCR
GNPA 1.94% | NNPA 0.58%
Strong Profitability
amongst highest in
the Industry
4.29% Net Interest Margin
45.86% Cost to
Income
2
5.5% Operating Profit
Margin to Loans
IndusInd BankView entire presentation