Investor Presentation Q3-FY24

Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (crs) 3,68,793 3,59,548 3,47,047 3,36,120 3,25,278 ||||| Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 5.81% 5.47% Cost of Deposits (%) 6.12% 6.35% 6.44% Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Retail Deposits Retail Deposits as per LCR (*crs)* Share of Retail Deposits (%) 43% 45% 44% 43% 42% 13% YoY 20% YoY 1,37,968 1,65,371 1,43,021 1,57,187 3% QoQ 1,50,691 5% QoQ 97bps YoY 9bps QoQ * Retail deposits and deposits from small business customers as defined by LCR as at period end. 15 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 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 Exploring Community Banking Approach for select segments Innovative service propositions Executing Digital 2.0 with Individual and SME launches IndusInd Bank

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