ESG Highlights Q4 FY23

4.0% 2.0% 0.0% Q1FY18 Q2FY18 Q3FY18 2 Improved Rating Profile Corporate Book Rating Fine-tuning Corporate Banking Approach: Scaling Granular Franchise with Lower Risk Intensity AAA 19% 22% AA-, AA, AA+ 15% A & above 63% 24% A & above 73% A-, A, A+ 29% 27% BBB-, BBB, BBB+ 31% BB+ & Below 6% Mar-20 23% 3% Mar-23 Includes fund and non-fund based exposure to corporate clients Corporate Book: No Material Surprises Corporate Slippages - Trailing 4 Quarters Standard book slippages (exc. restructured) Gross slippages (incl. restructured) 40% 30% 20% 10% 0% 1.0% 0.4% -10% Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 49 49 -20% Q4FY19 Q1FY20 Q2FY20 Granular Fee Mix Corporate Fee Mix 5% Investment Banking 34% 35% Trade & Remittances 25% 20% FX 25% 39% ■Loan Processing Fees 16% FY20 FY23 Steadily Pivoting towards Growth after Rebalancing Corporate Loan Growth - YoY% Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 23% IndusInd Bank

View entire presentation