IndusInd Bank Strategic Overview

Corporate Portfolio - Focus on Granular, Higher Rated Customers Corporate Loan Book (crs) 1,14,429 1,09,463 1,05,481 99,079 92,407 Jun-21 Sep-21 Dec-21 Mar-22 Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 19% 25% 23% 23% 15% 15% 21% 24% 29% 27% 27% 27% 31% 26% 24% 22% 6% 6% 5% 4% Stressed telco at 1% Jun-22 Mar-20 Mar-21 Mar-22 Jun-22 Sector-wise Loan Mix (% of Total Loans) Sector Q1 FY23 NBFCs (other than HFCS) 4.55% Gems and Jewellery 4.16% Real Estate Commercial & Residential 4.05% Steel 2.27% Lease Rental 2.22% Power Generation - Non Renewable 1.61% Food Beverages and Food processing 1.53% Loan Road Projects (Operational) 1.42% Processing Power Generation - Renewable 1.14% 41% Housing Finance Companies 1.09% Educational Institution 1.05% Services 1.04% Others Corporate Banking 20.02% 46.15% Consumer Banking 53.85% Total 100.00% 11 *Includes fund and non-fund based exposure to corporate clients Diversified Fee Mix Q1FY23 Investment Banking 6% Foreign Exchange 18% Trade & Remittances 35% IndusInd Bank

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