Evolving Corporate Strategy and Financial Overview

Scale with Sustainability: Improved Across Sustainability Metrics FY20: 3.15x FY23: 2.77x Lower Non-Funded to Funded Ratio FY20: 63% FY23: 71% PCR >65% FY20: 102% FY23: 86% Credit to Deposit Ratio <95% CRAR FY20: 15.04% FY23: 17.86% Unsecured Retail <5% FY20: 4.3% FY23: 4.8% 46 Certificates of Deposits 5%-10% FY20: 16% FY23: 3% Retail LCR Deposits 45%-50% FY20: 31% FY23: 43% IndusInd Bank

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