IndusInd Bank Strategic Overview

Collaborating with ecosystem players to generate business digitally (BaaS* models) Steadily Scaling up the Open / API Banking led model with partners Retail Client Base and Balance Sheet acquired via partners scaled up steadily scaling Open / API Banking led models Providers IndusInd API Stack (400+ APIs) Customer Onboarding - eKYC, VKYC, FD Booking Business Rule Engine / UW Decision As a Service Payments & Collections POS, QR, payment gateways Instant Settlement Payment Solution Convert spends to EMI Co-lending with Fin-techs Document Management & NBFCs Unsecured business loans Invoice Discounting Accounting/ Purchase Finance Taxation Solution Providers Neo- Banks Current Full Account stack Business Loans cross product partners hips Personal Loans Credit Cards Aggregators Payment Banks, Wealth fin-techs Fixed Deposits 3-in-1 accounts B2B Commerce Platforms Current Account Business Loans Invoice Discounting Extending APIs from across platforms to partners *BaaS = Banking as a Service Indexed Client Base 600 100 6X Q1'22 Q1'23 700 Indexed Balance Sheet 100 7X 40 Q1'22 IndusInd Bank Q1'23

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