Strong Profitability and Financial Inclusion

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 6% Focus on Business Owner Segment Utility Vehicle 13% Nimbleness of an NBFC With Dedicated Network Nationwide Presence Diversified Across States. Strong Collateral Coverage Throughout the Loan Cycle Tractor 12% Vehicle Finance Loan Book (*crs) 75,243 71,665 67,167 64,583 78,332 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Construction Equipment 13% Small CV 5% Car 14% Disbursements (*crs) CV 37% 12,713 12,516 11,901 10,664 10,078 21% YoY 18% YoY 4% QoQ 10 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 (5)% QoQ IndusInd Bank

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