Bridging the Financial Inclusion Gap

Digital Stack for Individuals: Stack getting increasingly robust to drive superior customer experience and DIY, STP & BaaS agenda Indus Mobile THE ALL IN ONE BANKING APP • • Mobile Banking ~60% YoY reduction in frauds through various product enhancements Integration of new event based engagement stack: Mo-Engage Real-time email / download feature for CASA & CC statements Among the first few banks to go-live with card tokenization feature Indus easy CREDIT Credit Cards Co-browsing enabled for CC DIY to increase lead conversion and tele-sales staff productivity by ~20% Enabled 'APIs in a Box' and enabled fintech partnerships to drive new business via easycredit Overall 35%+ QoQ growth achieved for Credit Cards in Q3 via platform Increased STP % in cards from -10% to 30% on the back of analytics Indus Ceasy CREDIT Personal Loans Migration of personal loans to easycredit • Instant real time decisioning • Lower processing cost by ~70% • 70+ offline channel partners and 2,700+ sales team members enabled on easycredit for PL Compliance with Digital Lending Guidelines Indus Mobile MAU Growth YoY indexed values +24% 100 124 QoQ growth (Dispatched cases) indexed values +35% 135 100 QoQ growth (Disbursed cases) indexed values +210% 310 100 Q3 FY'22 Q3 FY'23 Q2 FY'23 Q3 FY'23 Q2 FY'23 Q3 FY'23 IndusInd Bank

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