Digital Strategy and Data Analytics at IndusInd

IndusInd Bank at a Glance 5th Largest Private Bank with Disproportionately Large Distribution Network *2,72,754 crs Loans 3,25,278 crs Deposits Diversified Across Products and Geographies 33 mn Customers Across Segments III Universal Banking Approach with Diversified Loan & Deposit Mix 53:47 Loan Mix Retail VS Wholesale Jill Strong Domain Expertise Long Vintage across Cycles Vehicle Finance 26% of the Loan Book 6,352 Group Network Pan India 42% CASA Stable Low-cost Deposits Innovative Digital Approach Overall Digital Transaction Mix at 93% Micro Finance 11% of the Loan Book Gems & Jewellery 4% of the Loan Book Robust Balance Sheet with Strong Capital Adequacy & Contingency Buffers 18.01% CRAR Tier 1: 16.47% | Tier 2: 1.54% 117% Average LCR Well above regulatory requirement 71% PCR GNPA 2.06% | NNPA 0.62% Strong Profitability amongst highest in the Industry 4.27% Net Interest Margin 43.91% Cost to Income 2 5.7% Operating Profit Margin to Loans IndusInd Bank

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