Sustainable Banking: Integrating ESG with Business, Risk & Operations

1b Strong Liquidity Buffers with Diverse Sources of Funding Healthy Liquidity Coverage Ratio (%) With Buffers in Place Average Surplus Liquidity (Rs.'000cr) Credit / Deposit Ratio (%) 145% 51 112% 126% 125% 102% 42 47 83% 81% 82% Q4FY20 Q4FY21 Q4FY22 Q2FY23 Q4FY21 Q4FY22 Q2FY23 Surplus liquidity including excess SLR Reduced Dependency on Certificate of Deposits Certificate of Deposits % of Deposits 16% 3% 3% 3% Mar-20 Mar-21 Mar-22 Sep-22 Lowered Share of Borrowings Borrowing mix Constituted by Long Term Sources Borrowings % of Deposits Borrowing Mix as on Sep-22 (%) 30% 20% 16% 13% Short-Term Infrastructure FCY (less Bonds than 12 4% months) 5% Tier 2 Bonds 7% AT1 Bonds .4% Refinance from Development Finance Institutions 50% Mar-20 Mar-21 Mar-22 Sep-22 Mar-20 Mar-21 Mar-22 Sep-22 Long-Term FCY 30% 18 IndusInd Bank

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