Q3 FY22 Financial Highlights
IndusInd Bank at a Glance
III
ال
5th Largest Private Bank
with Disproportionately
Large Distribution Network
*2,28,583 cr
Loans
*2,84,484 cr
Deposits
Diversified Across Products and Geographies
31 mn
Customers
Across Segments
Universal Banking Approach
with Diversified Loan &
Deposit Mix
54:46 Loan Mix
Retail VS Wholesale
5,706
Branches/Outlets
PAN India Network
42% CASA
Stable Low-cost Deposits
Innovative Digital Approach
Overall Digital Transaction Mix at 92%
Strong Domain Expertise
Long Vintage across Cycles
Vehicle Finance
27% of the Loan Book
Micro Finance
12% of the Loan Book
Gems & Jewellery
4% of the Loan Book
Robust Balance Sheet
with Strong Capital Adequacy
& Contingency Buffers
18.06% CRAR
Tier 1: 16.37% | Tier 2: 1.69%
(excluding 9M FY 22 PAT)
137% Average LCR
Well above regulatory requirement
72% PCR
GNPA 2.48% | NNPA 0.71%
Strong Profitability
amongst highest in
the Industry
4.10% Net Interest Margin
2
41.59% Cost to
Income
5.90% Operating Profit
Margin to Loans
IndusInd BankView entire presentation