Axis 2.0 Digital Banking

... towards strengthening our GPS journey Identified areas of distinctiveness with focus on Customer Obsession and serving the large under banked RUSU population AXIS BANK Growth Sustained, Consistent Financial Outperformance Deliver world class customer experience Build India's most profitable Bharat banking franchise Accelerate deposits growth Profitable, RAROC focused advances growth Retail: Led by Mortgages, SBB and Cards Wholesale: Led by Mid Corp, CBG and MNC Leadership in Digital and digital-enabled retail payment Pioneer Ecosystem plays in 2-3 ecosystems Scale up at least 1-2 subsidiaries and investments One Axis Profitability Turbocharge CASA ratio CA growth by becoming the operational bank of choice for customers SA growth leadership led by salary acquisitions and ETB deepening Accelerated fee income growth via tech-solution enabled wallet penetration and cross-sell Optimize costs using the benefits of digitization Aggressively control credit costs Investing in Digital and Technology to simplify customer journeys, strengthen data security and aid environmental sustainability Sustainability Governance and Culture: Strengthen Governance and Culture across risk, audit and compliance Risk: Reinforce the core, enhance models and frameworks to build best-in-class capabilities IT: Become Agile @ Scale by modernizing the core, cloud adoption and fixing the basics Operations: Build a resilient, predictable Operations platform enabled by automation, predictive analytics and faster resolution Intelligent data use: database lending programs, personalized campaigns/service, business insights, easy information access Customer Centricity Ethics Transparency Teamwork Ownership 6

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