Sustainable Banking: Integrating ESG with Business, Risk & Operations

4 Maintained Healthy Operating Margins & Improved Stressed Coverage Stable NIMS Granular Fee Mix Range-bound Cost to Income Ratio 15% 8% 4% 1% 1% Investment Banking 19% 23% 21% 21% 42.9% 42.6% 43.9% 4.25% 4.20% 4.24% ■Other 27% 41.1% 4.13% Corporate 52% 57% 64% 71% ■Retail 49% 21% ■Trading 9% 16% 14% 7% Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Q4 Q4 Q4 Q4 Q4 Q2 FY19 FY20 FY21 FY22 FY23 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Maintained Amongst the Industry Best PPOP Margin Healthy Provision Coverage Ratio With Significant Contingent Provisions 75% 72% 72% 63% 43% 6.0% 5.8% 5.7% 5.5% الاتر 1,750 260 3,328 2,653 Total Loan Related Provisions @140% of GNPA @3.0% of loans Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 FY22 FY23 FY23 Q4 FY19 Q4 FY20 Q4 Q4 Q2 Q4 Q4 Q4 Q2 FY21 FY22 FY23 FY20 FY21 FY22 FY23 21 IndusInd Bank

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