Digital Strategy and Data Analytics at IndusInd

Corporate Portfolio - Focus on Granular, Higher Rated Customers Corporate Loan Book (crs) 1,27,010 1,21,766 1,14,429 1,09,463 1,05,481 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Sector-wise Loan Mix (% of Total Loans) Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 20% YoY 23% 23% 22% 22% 21% 24% 25% 24% 27% 4% QoQ 27% 26% 28% 24% 22% 23% 22% 5% 4% 4% 4% Stressed telco at 1% Mar-22 Jun-22 Sep-22 Dec-22 Diversified Fee Mix Q3FY23 Investment Banking 4% Other Cross sell 3% Sector Q3 FY23 Real Estate Commercial & Residential 4.80% NBFCs (other than HFCs) 4.65% Gems and Jewellery 4.06% Steel 2.59% Power Generation - Non Renewable 2.42% Road Projects (Operational) 1.80% Food Beverages and Food processing 1.65% Loan Petroleum & Products 1.63% Services 1.26% Processing 41% Power Generation - Renewable 1.23% Lease Rental 1.16% Educational Institution 1.00% Others 18.32% Corporate Banking 46.57% Consumer Banking 53.43% Total 100.00% 11 *Includes fund and non-fund based exposure to corporate clients Trade & Remittances 32% Foreign Exchange 19% IndusInd Bank

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