IndusInd Bank Strategic Overview

Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (crs) Retail Deposits Retail Deposits as per LCR (*crs)* Share of Retail Deposits (%) 3,02,719 13% YoY 2,84,484 2,93,349 40% 2,75,288 2,67,233 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 Cost of Deposits (%) 4.97% 4.85% 4.79% 4.66% 4.60% 41% 40% 41% 41% 17% YoY 3% QoQ 3% QoQ 1,05,737 1,11,749 1,13,615 1,20,509 1,24,105 18bps YoY Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 14 Key Focus Areas Expanding branch network Focus on target market segments " Growth driven by retail customer acquisitions Scaling up new businesses - Affluent and NRI Leverage BFIL for rural customers Building Merchant Acquiring Business Digital Partnerships & Alliances Innovative service propositions Executing Digital 2.0 with planned Individual and SME launches ☐ Q1 FY22 19bps QoQ Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 *As at period end. IndusInd Bank

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