Evolving Corporate Strategy and Financial Overview

Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book Deposits (*crs) 3,36,120 3,15,532 3,25,278 3,02,719 2,93,349 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 4.60% 4.79% Cost of Deposits (%) 5.81% 5.47% 5.10% Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 * Retail deposits and deposits from small business customers as defined by LCR as at period end. Retail Deposits Retail Deposits as per LCR (*crs)* Share of Retail Deposits (%) 41% 43% 42% 41% 41% 15% YoY 19% YoY 1,20,509 3% QoQ 1,24,105 1,37,968 1,29,990 1,43,021 4% QoQ 121bps YoY 34bps QoQ 15 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 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 IndusInd Bank

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