IndusInd Bank Strategic Overview

IndusInd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network *2,47,960 crs Loans 3,02,719 crs Deposits Diversified Across Products and Geographies 32 mn Customers Across Segments III Universal Banking Approach with Diversified Loan & Deposit Mix 54:46 Loan Mix Retail VS Wholesale Jill 5,939 Branches/Outlets PAN India Network 43% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 92% Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book Micro Finance 12% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers 18.14% CRAR Tier 1: 16.55% | Tier 2: 1.59% 124% Average LCR Well above regulatory requirement 72% PCR GNPA 2.35% | NNPA 0.67% Strong Profitability amongst highest in the Industry 4.21% Net Interest Margin 43.36% Cost to Income 2 5.7% Operating Profit Margin to Loans IndusInd Bank

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