Digital Strategy and Data Analytics at IndusInd

Strong Product Groups with Efficient Capital Deployment Low RWA Consumption (*crs) ■Notional Amount Risk Weighted Assets 13,20,269 LC - Sight 8% 0.6%# 1.6%# 79,844 10,634 25,627 Derivatives + FX Contracts + LC and Guarantees Options #CRAR consumption Below investment LC-BG Rating Profile grade 4% Above investment grade 77% Secured by Cash Backed 12% Counter Guarantees of Corresponden t Bank *Stressed telecom contributes 1% 7% LC-BG Mix LC - Usance 17% Performance Guarantees 39% Financial Guarantees 36% FX-Derivatives Exposure Type One of the largest treasuries in Indian banks with best-in-class risk management systems Robust framework for measurement of risks through Client Suitability Tests, VaR, PV01, Stop- loss limits, MTM of marketable portfolios, Exposure limits, etc. Exposures predominantly to public sector, cash backed transactions and strong sponsors Exposure against Banks (Non Collateralised) 5% Others Counterparties 22% Central Counterparty (Guaranteed Settlements) 51% 18 Counterparties with Collateralised Arrangements (CSA) 21% IndusInd Bank

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