Business Strategy and Financial Growth
Evolving Operating Environment and Bank's Response/Performance
Macro Developments
Increasing Lending Rates
Robust Credit Growth backed by government push &
record high GST collection
Deleveraging by corporates & strengthening of
balance sheet
Accelerated Digital adoption across supply chain by
corporates
Positive momentum in the Real Estate industry
coupled with Consolidation
Disruptions caused by Russia-Ukraine conflict
Bank's Performance
40 bps improvement in QoQ Yields
Overall Corporate Segment growth: 23% YoY
Small Business growth: 46% YoY
Increase in upgrade ratio; Investment grade book at 96%, up
100 bps y-o-y
'Early Credit' digital platform for ecosystem financing
launched; 85%+ Clients transacting online; 35k crs throughput
across 2.3L+ transactions in H1.
Focus on building robust book; Active churn strategy; ~75% of
Real estate book churned since Mar'20.
Close monitoring and periodic stress testing of portfolio; no
surprises in asset quality
Indusind BankView entire presentation