Business Strategy and Financial Growth

With building blocks in place, we aim for 'Scalable & Sustainable Growth' going forward 30-35% Small Businesses 15-20% Client Coverage Group 10-15% Specialized Verticals and steadily increasing the share of Small & Mid 1 ...improving risk density with high quality onboarding, minimizing credit costs corporates Taking the loan book growth to 15-20% y-o-y... 2 ...increasing returns with diversification of fee income through cross-sell & product fees* Large Corporates 46-48% Mid Corporates 38-40% *Product includes Trade, Fx and Cash Management services Small Corporates 14-16% 3 ...lowering cost of funds through granular liability franchise 24 IndusInd Bank

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