Investor Presentaiton

Strong Balance Sheet & Profitability Buffers in Place Capital Adequacy Pre Provision Operating Profit Margin (Rs Crs) 5.9% 30 Sep 20 30 Jun 20 5.7% 5.2% 4.6% Credit Risk, CVA and UFCE 2,24,353 2,22,384 4.3% 0.8% 2.2% Market Risk 8,977 10,985 1.7% 4.6% 3.9% Operational Risk Total Risk Weighted Assets 28,353 28,353 3.8% 2,61,683 2,61,722 2.7% 3.0% 1.8% 1.4% FY18 FY19 FY20 Q1FY21 Q2FY21 Core Equity Tier 1 Capital Funds 37,942 34,435 ■PBT/Loans Total Provisions/Loans ■PPOP/Loans Additional Tier 1 Capital Funds 3,490 3,490 Liquidity Coverage Ratio Tier 2 Capital Funds 1,871 1,749 140% 124% Total Capital Funds 43,303 39,674 109% 111% 112% Minimum Required CRAR 16.55%* 15.16% CET1 14.50%* 13.16% Tier 1 15.83% 14.49% Tier 2 0.72% 0.67% Mar-18 Mar-19 Mar-20 LCR Jun-20 Sep-20 Min * CRAR at 16.87% and CET1 at 14.82% including HY FY 21 PAT 26 26 Indusind Bank

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