Sustainable Banking: Integrating ESG with Business, Risk & Operations

2 Fine Tuned Corporate Bank Franchise with Focus on Building Granular Low Risk Portfolio 1 Loan book orientation towards higher rated granular portfolio Corporate Book: No New Surprises Corporate Slippages - Trailing 4 Quarters Standard book slippages (exc. restructured) 5.1% -Gross slippages 2 5.0% Portfolio rebalancing done with significant reduction in chunky exposures 4.0% 3.0% 1.6% 2.0% 1.5% 1.0% 1.1% 0.5% 0.0% 3 Building Specialization with re-orientation of coverage groups Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 4 Robust portfolio monitoring with focus on sharpening overall RORWA 40% Steadily Pivoting towards Growth after Rebalancing Corporate Loan Growth - YoY% 39% 26% 30% 23% 20% 5 10% 0% -9% Fee Income focused on annuity streams -10% 19 -20% Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Indusind Bank

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