ESG Highlights Q4 FY23

2 Diversifying Domains: Market Leadership with Diversification • Vehicle Finance Division Maintain or Improve Market Position Across Vehicle Categories Inclusive Banking - BFIL Evolving from Microfinance to Micro Banking Gems & Jewellery An Approach to Community Banking Participating in the cyclical momentum in vehicle demand Ramping-up sourcing via existing large branch & dealer network Financing used-vehicle & affordable housing segments Scaling-up Indus Easy Wheels platform • Rural recovery to drive JLG growth albeit within conservative underwriting approach Diversifying BFIL with 30%-40% loan book originating from non-JLG products . Scaling-up Merchant Acquisition business • . Capturing entire echo-system via community banking approach • Funding entire value chain of existing clients New products: Individual loans, Two- wheeler loans, Affordable housing loans Specialized product offering such as wealth management, Branded diamond salary accounts Financing businesses across globe via GIFT city 58 IndusInd Bank

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