Evolving Corporate Strategy and Financial Overview

1 Retail Liabilities Surge: Progressed towards Building Robust Retail Deposit Franchise Robust Deposit Growth Driven by Retail & CASA Increased Share of Retail Deposits Continued Investment in Distribution Network ~74% of incremental deposits from retail & CASA (Rs in crore) Retail Deposit as per LCR (% of Total Deposits) Number of Branches (#) 35,145 3,36,120 | 18,515 43% 80,434 41% 18% 37% CAGR 2,02,026 31% 2,606 2,265 2,015 1,911 Others Deposits (Mar-23) Mar-20 Mar-21 Mar-22 Mar-23 Deposits Retail LCR CASA* (Mar-20) Deposits *excludes CASA considered as part of Retail LCR Deposits Scaled up New Initiatives (Rs. in crore) ■Mar-20 ■Mar-21 ■Mar-22 ■Mar-23 42,939 23,175 19,506 34,220 Mar-20 Mar-21 Mar-22 Mar-23 Reduced Dependency on Certificate of Deposits Reduced Concentration of Deposits Certificate of Deposits % of Deposits 15.8% 2.8% 3.1% 3.2% Top-20 Deposits as % of Total Deposits 23% 22% 17% 16% In Affluent Deposits NRI Deposits Mar-20 Mar-21 Mar-22 Mar-23 Mar-20 Mar-21 Mar-22 Mar-23 48 IndusInd Bank

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