IndusInd Bank Financial Overview

BFIL IS IN BEST POSITION TO REGULARIZE OPERATIONS QUICKLY Rural Weekly Collections ■ 80% of portfolio is Rural. Majority impact of COVID felt in Metros/Urban areas Low migration impact in Rural Weekly model assists quick regularization (as witnessed during demonetization) ■ ~50% of customers are exclusively with BFIL. Past disruptions have shown early collection recovery to 96% - 98% levels on portfolio Quality of our loan book Our loan book growth (CAGR 34% for FY18-20) has been primarily led by customer acquisition (Ticket size CAGR for FY18-20 was only 11%) Demand Supply Gap Net Producers to Economy Our outstanding per borrower is 35% lesser than the largest player in the sector (as on Dec'19) ■ Initial feedback Positive, demand at customer level intact MFIs facing liquidity challenges, while BFIL in the best position to meet the customer need - Sampark (Customer outreach program) launched – Over 9 Mn calls made, 85% unique customers contacted. ■ Customers undertake economic activities, which cater to non-discretionary spending in local milieu (47% depend on Livestock, 13% Grocery stores, 9% Tailoring/Weaving, 7% Trading of vegetables and fruits etc.) Government's Push ■ More Cash in hand for our customers - Govt. and NGO schemes focusing on this segment. ■ Political situation in the country expected to be stable with no fresh assembly elections in the next 4 months, shall help in stabilization 34 34

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