Investor Presentaiton

The precursor to our current Business Strategy 03 Key learnings from our experience ✓ Customer concentration built up over the period ✓ Reliance on bulky fee income ✓ Deals pertaining to holding company with limited cashflow support ✓ Limited focus on building liability franchise Sub-optimal coverage structure especially in small businesses ✓ Under penetration in top conglomerates ✓ Delayed identification of risk triggers 04 Implementing the learnings while navigating COVID Tighter & well-defined credit underwriting norms with enhanced risk management framework Re-orientation of business model to focus on granular acquisition A B IndusInd Bank

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