IndusInd Bank Growth and Risk Management

A strong risk culture Credit Risk Stringent Credit norms in comparison to Industry to mitigate risk of unsecured lending Number of Other Lenders ■ Existing customer <=2 New Customers <=1 Client exposure Existing platinum center customer <=1.25 L ☐ Other Existing Customers <=1.0 L ☐ New Customers <=80 K ■ High customer connect through weekly repayment (100% weekly vs 35% weekly Industry) Geographical Concentration Norms - ■ 5 categories of states with differential norms based on Asset Quality, Market Size, Growth Potential & Competition Parameters (Ranging from 0.5 % to 16%) District level cap - 2% Risk based Segmentation Customer/village level segmentation based on repayment behaviour to mitigate risk of defaults ■ Disbursement Restriction in branches with performance below set threshold levels ☐ ☐ ☐ Operational Risk JLG continues to mitigate risk for micro-credit portfolio. Savings & extended banking services to strengthen client relationship Robust Consumer Grievance redressal mechanism Fraud & Transaction Monitoring Branch risk assessment to identify specific branch-level parameters New Products & Services - Scale subject to satisfactory performance of controlled pilots Customized process controls ■ Incident Reporting ☐ Alert system for Key exceptions Customer Risk Profiling Market intelligence by identifying specific industry trends Macro-sectoral trends Micro - at pincode level Effective Risk Monitoring through customized & versatile BI ☐ ◉ Daily performance tracking of KPIs ◉ Aggregate & granular analysis capabilities Automated Alerts to key stakeholders Data led insights New Product development Continuous enhancement in Credit criteria ☐ Growth Market identification Outcome ☐ Early warning signals ☐ Comparison with industry on KPIs IndusInd Bank

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