Evolving Corporate Strategy and Financial Overview

Key Outcomes for Q4FY23 & FY23 2 3 ما 5 6 Continued momentum on retailisation of deposits ■ Retail deposits as defined by LCR grew by 19% YoY & 4% QoQ Share of retail deposits as defined by LCR improved to 43% from 41% YoY Loan growth acceleration driven by retail businesses ◉ ☐ Retail loans grew by 7% QoQ improving share of retail loans at 54% Corporate growth driven by Mid & Small corporate at 7% QoQ and Large corporate at 5% QoQ Core fee momentum remains robust ☐ ☐ Core fee income grew by 27% YoY & 8% QoQ during Q4FY23 Contribution of retail consumer banking fee for Q4FY23 at 74% of total fee income Asset quality outcomes broadly in-line with the communication Restructured book reduced to 0.8% of loans Credit cost for Q4FY23 at 142bps vs 156bps in Q3FY23 Scaling-up new initiatives Affluent deposits at Rs. 42,900cr grew by 23% YoY NRI deposits at Rs.34,300cr grew by 28% YoY Accelerating digital 2.0 with planned launches & scale-up of existing initiatives Maintaining healthy profitability & sustainability metrics Consistent improvement in return ratios with Q4FY23 ROA at 1.90% and ROE at 15.26% FY23 Net profit at Rs.7,443cr (up 55% YoY) and EPS at Rs.96 with healthy Capital Adequacy Ratio of 17.86% 3 IndusInd Bank

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