Investor Presentation Q2-FY22

Creating future ready tech stacks and platforms - building cloud native, micro-services based API-led stacks Creating future ready platforms and API stacks leveraging cloud native, micro- services based, data driven framework Key Principles Few Platform Examples ... TQ Chatbots Web Mobile Call Center RM Branch Partnerships Client facing applications (eg: Indus Mobile, Indus Easy Credit, Indus Merchant Solutions, etc) Advanced Analytics & Machine Learning . Omni-Channel Self / Assisted Mobile/Web/ TAB Indus Ceasy CREDIT For Individuals Micro-Services / API Management Micro-services based, modular architecture providing agility and flexibility to integrate with Real KYC/ Fraud Analytics time Under- writing Pricing Wallet Share Hyper Personalized Engagement API Driven Modular Scalable partners API Gateway, Sandbox environment / developer portals • Data Management for advanced analytics Structured as well as unstructured data Cloud based data warehouse Strong data governance model Core Systems - "Hollowing" the core by externalizing the business logics and in some areas (eg: payments) moving to new age cloud native core stacks Infrastructure - Cloud Native, Containerized for new age applications Building "Agile" Culture 0 Indus Ceasy CREDIT For Businesses Indus MERCHANT SOLUTIONS Security ... and many more in pipeline Reliability IndusInd Bank

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