Bridging the Financial Inclusion Gap

Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (*crs) 3,25,278 3,15,532 3,02,719 2,93,349 2,84,484 Q3 FY22 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Cost of Deposits (%) 5.47% 5.10% 4.79% 4.66% 4.60% Q3 FY22 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Retail Deposits Retail Deposits as per LCR (*crs)* Share of Retail Deposits (%) 41% 42% 41% 41% 40% 14% YoY 21% YoY 1,13,615 1,20,509 1,29,990 1,37,968 1,24,105 3% QoQ 6% QoQ Q3 FY22 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 81bps YoY 37bps QoQ Key Focus Areas Expanding branch network Focus on target market segments Growth driven by retail customer acquisitions Scaling up new businesses - Affluent and NRI Leverage BFIL for rural customers Building Merchant Acquiring Business Digital Partnerships & Alliances Innovative service propositions Executing Digital 2.0 with planned Individual and SME launches * Retail deposits and deposits from small business customers as defined by LCR as at period end. 14 IndusInd Bank

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