Investor Presentation Q2-FY22

Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (Crore) Retail Deposits Retail Deposits as per LCR (Crore)* Share of Retail Deposits (%) 41% 2,55,870 2,67,233 2,75,288 21% YoY 2,39,135 36% 2,27,884 33% IIIII 3% QoQ Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 5.58% 5.34% Cost of Deposits (%) 5.03% 4.97% 4.85% 73bps YoY 12bps QoQ Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 *As at period end. 14 37% 40% !!! 75,610 85,914 95,811 48% YoY 6% QoQ 1,05,737 1,11,749 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 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 Q2 FY22 IndusInd Bank

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