Q3-FY24 Investor Presentation

Remote Digital Customer DIY business model continues to scale across key lines of businesses in Retail Individual and MSME segments with focus on profitability and quality % vol % vol % disb % vol % vol % vol % vol val 100% 4% 0% 3% 2% 23% 80% 35% 40% 50% 60% 55% 75% 78% 98% 40% 33% pre- 58% approved; 12% 56% 20% 40% real time 45% 10% decisioning enabled 12% 0% 7% Savings Term Deposit Personal Loans Credit Cards Current Account Remote Digital Digital Partnerships 22% Unsecured Business Loans Assisted Digital Rest 1.4 lac customers onboarded through Video KYC every month Small Business Banking (upto 2 Cr) Support Video KYC led remote and digital self onboarding across products: Savings Account Current Account Personal Loans Credit Cards Fixed Deposit Comparison of remote digital business model vs. offline/assisted digital - focus on building a profitable model Savings Personal Loan Customer Acquisition Cost 0.1X Customer Acquisition Cost 0.5X Gross Yield % 1.3X Credit Card Customer 0.8X Acquisition Cost Activation % 1.4X Delinquency % 0.4X Does not include SA / TD opened by BFIL; TD also excludes volumes of auto sweep FDs such as with PayTM; Remote Digital also includes pre-approved personal loans to CASA clients 36 Indus Ceasy CREDIT Machine Learning Enabled Real Time Decisioning Mar-Tech Enabled to drive campaigns & digital acquisition IndusInd Bank

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