ESG Highlights Q4 FY23

3 Scaling Sub-scale Businesses: Bolstering Growth with Diversification Mortgage Backed Loans Complete mortgage offerings with launch of Home Loan Retail Mortgages LAP Affordable Housing Home Loan Scale-up in PC-6 MSME Multichannel & multiproduct strategy to address the unique needs of MSMEs SME Business Banking Supply Chain Finance Agri MSMEs Business Loans Nano Retailers (BSS Merchant offering via BFIL) 59 • • • Existing Initiatives Gaining Market Share in PC-5 Initiatives Affluent Banking Making Pioneer a 'Brand of Choice' with service excellence Expanding HNI & UHNI offering with launch of Affluent Private Leveraging GIFT city for innovative product offering NRI Banking Ramping up NR Branches End-to-end NR Digital Bank Expanding geographies via GIFT city Merchant Loans - BFIL Leveraging BFIL's rural expertise and distribution network Scaling existing offering via higher geo penetration Adding collateralized loans to bolster growth IndusInd Bank

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