Financial Overview and Growth Strategy

Strong Product Groups with Efficient Capital Deployment LC-BG Mix Low RWA Consumption (*crs) Notional Amount Risk Weighted Assets 13,86,814 0.5%# 1.4%# 78,236 9,446 24,041 Derivatives + FX Contracts + Options #CRAR consumption LC and Guarantees LC-BG Rating Profile LC - Sight 6% LC - Usance 15% Performance Guarantees 41% Financial Guarantees FX-Derivatives Exposure Type 38% One of the largest treasuries in Indian banks with best-in-class risk management systems Robust framework for measurement of risks through Client Suitability Tests, VaR, PV01, Stop- loss limits, MTM of marketable portfolios, Exposure limits, etc. Exposures predominantly to public sector, cash backed transactions and strong sponsors * Below investment grade 4% Secured by Cash Backed 13% Counter Guarantees of Corresponden Exposure t Bank 5% against Banks (Non Collateralised) 2% Above investment grade 78% *Stressed telecom contributes 1% 19 199 Others Counterparties 15% Central Counterparty (Guaranteed Settlements) 51% Counterparties with Collateralised Arrangements (CSA) 32% IndusInd Bank

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