Sustainable Banking: Integrating ESG with Business, Risk & Operations

1 Management Beliefs Driving Our Strategy Business Philosophy 222 Approach towards Customers Technology Governance Universal Banking Approach Branch and Digital to Co-exist Infrastructure to Support and Complement Each Other Domains Deliver Strong Risk Adjusted Returns Scale, Security and Reliability benchmarked to new age Quality of Earning More Important than Quantity of Earnings Client Engagement as per digital players Client's Convenience Sustainability at the Core of Doing Business Provide ability to deliver frictionless hyper personalized client experience 6 IndusInd Bank

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