Q3-FY24 Investor Presentation

Digital Business - Remote Digital / Partnerships led business continues to grow at a healthy rate YoY Assets have grown ~3.1X YoY; 22% QoQ Indexed Assets (in Crs.) 3.1x 350 22% 300 250 200 150 308 252 100 50 100 0 Dec'22 Sep'23 Dec'23 150 100 Liabilities ((in Crs.) 10% • 136 124 50 100 Dec'22 DIY Do It Yourself Sep'23 Dec'23 Scale up remote digital led business models in personal loans and credit cards on the back of optimization of marketing spends and reducing customer acquisition costs Remote digital customer DIY credit cards crossed 12,000 cards per month at 20% lower CAC than offline and better activations Remote digital customer DIY personal loans crossed 60 cr in disbursement per month at 50% of CAC Cross-sell ratios improved by 1.5-2X for personal loans and credit cards on digitally acquired liabilities customers INDIE line of credit off to a strong start Partnerships led credit cards and personal loans showed strong growth Liabilities have grown 36% YoY; 10% QoQ • Persona specific campaigns to drive better engagement, higher transaction intensity and product x-sell - 1200+ segments basis persona, behaviors, risk profile and income Launch of current account DIY platform to open current accounts digitally in a remote digital manner • Launch of INDIE - a revolutionary way to Bank 38 IndusInd Bank

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