Sustainable Banking: Integrating ESG with Business, Risk & Operations

1 Acceleration in Loan Growth Led by Areas of Domain Expertise Steadily Pivoting towards Loan Growth Vehicle Finance Loan Book (Rs.'000cr) 55 58 56 57 58 59 67 65 61 61 62 60 59 61 Q1FY20 Q2FY20 Q3 FY20 Q4FY20 Q1FY21 Q2FY21 Q3 FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Corporate Loan Book (Rs.'000cr) 90 90 95 91 84 85 88 91 92 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 99 105109114 122 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 18 19 MFI Loan Book (Rs.'000cr) 21 24 23 22 23 26 26 28 28 Q1FY20 Q2FY20 Q3 FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3 FY22 Q4FY22 Q1FY23 Non-Vehicle Retail Loan Book (Rs.'000cr) 42 40 32 33 34 31 33 34 35 34 34 35 37 32 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 30 All Businesses are Poised for Loan Growth Acceleration Domains Poised for Loan Growth 31 29 30 1 with Cyclical Recovery Q2FY23 2 Growing Corporate Book under Revised Risk Framework 3 Scaling up Sub-scale Businesses IndusInd Bank

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