Digital Strategy and Data Analytics at IndusInd

Vehicle Finance: Granular Portfolio Across Vehicle Categories Overview of Vehicle Finance Division 35+ Years of Vintage Across Credit Cycles Market Leader in Most Products Amongst Top 3 Diversified Vehicle Loan Book across Vehicle Categories (%) Two Wheelers 7% Small CV 5% Focus on Business Owner Segment Utility Vehicle 12% Nimbleness of an NBFC With Dedicated Network Nationwide Presence Diversified Across States. Strong Collateral Coverage Throughout the Loan Cycle Tractor 13% Vehicle Finance Loan Book (*crs) Construction Equipment 13% Car 14% Disbursements (*crs) CV 37% 71,665 12,713 67,167 60,608 61,923 64,583 18% YoY 9,986 10,078 10,664 8,832 44% YoY Q3 FY22 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 7% QoQ 6 Q3 FY22 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 19% QoQ IndusInd Bank

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