Sustainable Banking: Integrating ESG with Business, Risk & Operations

Overall, We have moved towards Improving Sustainability of Organisation FY20: 102% FY20: 3.15x FY21: 2.34x Lower Non-Funded FY22: 2.30x H1FY23: 2.85x to Funded Ratio FY21: 83% FY22: 81% H1FY23: 82% Credit to Deposit Ratio <95% CRAR FY20: 15.04% FY21: 17.38% Certificates of Deposits 5%-10% FY20: 16% FY21: 3% FY22: 3% H1FY23: 3% FY22: 18.42% H1FY23: 18.01% FY20: 63% FY20: 31% PCR FY21: 75% Retail LCR Deposits FY21: 37% FY22: 72% >65% 45%-50% H1FY23: 72% FY22: 41% H1FY23: 41% Unsecured Retail <5% FY20: 4.3% FY21: 4.1% FY22: 3.8% H1FY23: 4.3% 27 IndusInd Bank

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