Financial Overview and Growth Strategy

Corporate Portfolio - Focus on Granular, Higher Rated Customers Corporate Loan Book (*crs) 1,39,437 1,34,150 1,27,010 1,21,766 1,14,429 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 22% 22% 22% 21% 22% YoY 25% 24% 24% 26% 26% 28% 27% 29% 4% QoQ 23% 22% 23% 20% 4% 4% 4% 4% Stressed telco at 1% Sep-22 Dec-22 Mar-23 Jun-23 Diversified Fee Mix Q1FY24 Sector Sector-wise Loan Mix (% of Total Loans) NBFCs (other than HFCS) Q1 FY24 5.21% Investment Banking 3% Real Estate - Commercial and Residential 4.18% Loan Gems and Jewellery 3.93% Processing 34% Power Generation - Non Renewable 2.99% Steel 2.16% Food Beverages and Food processing 1.60% Power Generation - Renewable 1.49% Services 1.23% Road Projects (Operational) 1.09% Petroleum & Products Others 1.08% 21.31% Corporate Banking 46.28% Consumer Banking 53.72% Total 100.00% 12 * Includes fund and non-fund based exposure to corporate clients Foreign Exchange 26% Trade & Remittances 37% IndusInd Bank

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