Investor Presentation Q4 FY23

Investor Presentation
Q4-FY23 | MARCH 2023
April 24, 2023

IndusInd Bank at a Glance
5th Largest Private Bank ₹2,89,924 crs ₹ 3,36,120 crs 34 mn 6,491

with Disproportionately Loans Deposits Customers Group Network
Large Distribution Network Diversified Across Products and Geographies Across Segments Pan India
Universal Banking Approach 54:46 Loan Mix 40% CASA Innovative Digital Approach
with Diversified Loan & Retail VS Wholesale Stable Low-cost Deposits Overall Digital Transaction Mix at 93%
Deposit Mix
Strong Domain Expertise Vehicle Finance Micro Finance Gems & Jewellery
Long Vintage across Cycles 26% of the Loan Book 11% of the Loan Book 4% of the Loan Book
Robust Balance Sheet 17.86% CRAR 123% Average LCR 71% PCR
with Strong Capital Adequacy Tier 1: 16.37% | Tier 2: 1.49% Well above regulatory requirement GNPA 1.98% | NNPA 0.59%
& Contingency Buffers
Strong Profitability
4.28% Net Interest Margin 44.93% Cost to 5.60% Operating Profit
amongst highest in
the Industry Income Margin to Loans
2
Key Outcomes for Q4FY23 & FY23
1 Continued momentum on retailisation of deposits

 Retail deposits as defined by LCR grew by 19% YoY & 4% QoQ
 Share of retail deposits as defined by LCR improved to 43% from 41% YoY
2 Loan growth acceleration driven by retail businesses

 Retail loans grew by 7% QoQ improving share of retail loans at 54%
 Corporate growth driven by Mid & Small corporate at 7% QoQ and Large corporate at 5% QoQ
Core fee momentum remains robust

3
 Core fee income grew by 27% YoY & 8% QoQ during Q4FY23
 Contribution of retail consumer banking fee for Q4FY23 at 74% of total fee income
4 Asset quality outcomes broadly in-line with the communication

 Restructured book reduced to 0.8% of loans
 Credit cost for Q4FY23 at 142bps vs 156bps in Q3FY23
5 Scaling-up new initiatives

 Affluent deposits at Rs.42,900cr grew by 23% YoY NRI deposits at Rs.34,300cr grew by 28% YoY
 Accelerating digital 2.0 with planned launches & scale-up of existing initiatives
Maintaining healthy profitability & sustainability metrics

6
 Consistent improvement in return ratios with Q4FY23 ROA at 1.90% and ROE at 15.26%
 FY23 Net profit at Rs.7,443cr (up 55% YoY) and EPS at Rs.96 with healthy Capital Adequacy Ratio of 17.86%
3
Key Financial Highlights for Q4 FY23
Loans Deposits CASA Term Deposits Total Assets
Balance ₹2,89,924crs ₹3,36,120 crs ₹1,34,728crs ₹2,01,392crs ₹4,57,837crs

Sheet
21% YoY 6% QoQ 15% YoY 3% QoQ 7% YoY 1% QoQ 20% YoY 7% QoQ 14% YoY 3% QoQ
Net Interest Income Total Fee Income Revenue Operating Profit Net Profit
Profit &
Loss ₹4,669 crs ₹2,154crs ₹6,823 crs ₹3,758 crs ₹2,043 crs
17% YoY 4% QoQ 13% YoY 4% QoQ 16% YoY 4% QoQ 11% YoY 2% QoQ 46% YoY 4% QoQ
Net Interest Margin Return on Assets Return on Equity Cost to Income Net NPA
Key
Ratios 4.28% 1.90% 15.26% 44.93% 0.59%
8 bps YoY 1 bps QoQ 39 bps YoY 3 bps QoQ 334 bps YoY 3 bps QoQ 234 bpsYoY 102 bps QoQ 5 bps YoY 2 bps QoQ
4
Consolidated Balance Sheet
₹In crs Q4 FY23 Q4 FY22 Y-o-Y (%) Q3 FY23 Q-o-Q (%)
Capital & Liabilities
Capital 776 775 - - 775 - -
Reserves and Surplus 54,229 47,252 15%  52,109 4% 
Deposits 3,36,120 2,93,349 15%  3,25,278 3% 
Borrowings 49,011 47,323 4%  47,284 4% 
Other Liabilities and Provisions 17,701 13,268 33%  19,039 (7%) 
Total 4,57,837 4,01,967 14%  4,44,485 3% 
Assets
Cash and Balances with RBI 42,975 60,198 (29%)  54,158 (21%) 
Balances with Banks 13,802 8,387 65%  11,073 25% 
Investments 83,076 70,930 17%  76,174 9% 
Advances 2,89,924 2,39,052 21%  2,72,754 6% 
Fixed Assets 2,078 1,929 8%  2,006 4% 
Other Assets 25,982 21,471 21%  28,320 (8%) 
Total 4,57,837 4,01,967 14%  4,44,485 3% 

5
Consolidated Profit and Loss Account – Q4 & 12M FY23
₹In Crore Q4FY23 Q4FY22 Y-o-Y (%) Q3FY23 Q-o-Q (%) 12M FY23 12M FY22 Y-o-Y (%)
Net Interest Income 4,669 3,985 17% ▲ 4,495 4% ▲ 17,592 15,001 17% ▲
Other Income 2,154 1,903 13% ▲ 2,077 4% ▲ 8,173 7,345 11% ▲
Total Income 6,823 5,888 16% ▲ 6,572 4% ▲ 25,765 22,346 15% ▲
Operating Expenses 3,065 2,509 22% ▲ 2,885 6% ▲ 11,346 9,311 22% ▲
Operating Profit 3,758 3,379 11% ▲ 3,686 2% ▲ 14,419 13,035 11% ▲
Provisions & Contingencies 1,030 1,461 (30%) ▼ 1,065 (3%) ▼ 4,487 6,602 (32%) ▼
Profit before Tax 2,727 1,918 42% ▲ 2,622 4% ▲ 9,932 6,433 54% ▲
Provision for Tax 684 517 32% ▲ 658 4% ▲ 2,489 1,628 53% ▲
Profit after Tax 2,043 1,401 46% ▲ 1,964 4% ▲ 7,443 4,805 55% ▲
6
Key Strengths of the Bank
Diversified Robust Strong Profitability Stable

Loan Book with Domain Liability Franchise Product Groups amongst the Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital ESG Experienced

Capital Adequacy Large Distribution 2.0 Strategy – Core to the Business Board and
Network Philosophy Management Team
7

Loans Provisioning

8
Well Diversified Loan Book across Consumer and Corporate Products
(₹crs)
Loan Book Mix (₹crs)
2,39,052 2,47,960 2,60,129 2,72,754 2,89,924
Consumer Banking Mar-23 %
Vehicle Finance 75,243 26%

46% 46% 47% 47% 46%
Commercial Vehicle 28,171 10%
Utility Vehicle 9,029 3%

54% 54% 53% 53% 54% Small CV 3,459 1%
Two-Wheeler 4,774 2%
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Car 10,571 4%
Tractor 9,372 3%
Consumer Banking Corporate & Commercial Banking
Equipment Financing 9,867 3%
Non-Vehicle Finance 48,316 17%

Small Corporates
Mid Size Corporates 5% Business Banking 13,845 5%
16%
(₹crs) Loan Against Property 9,640 3%
Corporate Banking Mar-23 % Vehicle Finance
26% Credit Card 8,395 3%
Large Corporates 74,340 26%
Personal Loans 5,351 2%
Large Corporates
Mid Corporates 46,374 16% 25% Merchant advances 4,033 1%
Small Corporates 13,436 5% BL, AHL, Others 7,052 2%
Total Advances 1,34,150 46% Microfinance 32,215 11%
Microfinance Non Vehicle Retail
11% 17% Total Advances 1,55,774 54%
9
Vehicle Finance: Granular Portfolio Across Vehicle Categories
Overview of Vehicle Finance Division Diversified Vehicle Loan Book across Vehicle Categories (%)
Small CV
Two Wheelers
5%
6%
Market Leader Utility Vehicle
35+ Years of Vintage Focus on Business CV
in Most Products 12%
Across Credit Cycles Owner Segment 37%
Amongst Top 3
Tractor
13%
Nimbleness of an NBFC Nationwide Presence Strong Collateral Coverage
With Dedicated Network Diversified Across States Throughout the Loan Cycle
Construction
Equipment Car
13% 14%
Vehicle Finance Loan Book (₹crs) Disbursements (₹crs)

75,243
71,665 12,713 12,516
64,583 67,167  10,664 
61,923 9,986 10,078
22% YoY 25% YoY
 ▼
5% QoQ (2)% QoQ
Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23
10
Microfinance: Bridging the Financial Inclusion Gap
Micro Finance Loan Book (₹crs)
30,612 32,215
29,403 29,617 29,688
2nd Largest 10mn 1.37 Lacs Villages 
Micro Finance Women Customers covered across 21 5% YoY
Lender States

9% QoQ
Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23
Average Ticket Size (₹)
32,453
Tech/Data driven 110K+ Active 594K+ Merchants 27,852 29,738 29,089
29,275
Risk Management Bharat Money (loan clients) 
District/Branch Stores Banking at Addressing the 17% YoY
level Monitoring doorstep in remote MSME banking
areas needs 
11% QoQ
11
Corporate Portfolio – Focus on Granular, Higher Rated Customers
Corporate Loan Book (₹crs) Improving Risk Profile *
1,34,150 BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA
1,27,010
1,21,766
1,14,429
1,09,463 
23% YoY 23% 22% 22% 22%
24% 25% 24% 24%


6% QoQ 27% 26% 28% 27%
22% 24% 22% 23%

4% 4% 4% 4% Stressed telco at 1%
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-22 Sep-22 Dec-22 Mar-23
Sector-wise Loan Mix (% of Total Loans) Diversified Fee Mix Q4FY23

Investment
Sector Q4 FY23 Other Cross sell
Banking
NBFCs (other than HFCs ) 4.49% 1%
6% Trade &
Real Estate – Commercial & Residential 4.34%
Remittances
Gems and Jewellery 4.22% Loan
37%
Steel 2.42% Processing
Power Generation – Non Renewable 2.40% 32%
Food Beverages and Food processing 1.70%
Road Projects (Operational) 1.69%
Petroleum & Products 1.48%
Power Generation – Renewable 1.45%
Services 1.30%
Others 20.79% Foreign
Corporate Banking 46.27% Exchange
24%
Consumer Banking 53.73%
Total 100.00%
12
* Includes fund and non-fund based exposure to corporate clients
Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy
Business Banking (₹crs) Loan Against Property (₹crs)
9,640
13,845 9,248 9,502
12,839 8,817 9,009
12,203 12,512
11,892  
16% YoY 9% YoY
 
8% QoQ 1% QoQ
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23
Credit Cards (₹crs) Other Retail Loans
8,395
7,714 16,436
7,098
6,478  14,336 
43% YoY 12,720
5,880 11,855 57% YoY
10,464
 
9% QoQ 15% QoQ
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23
13

Loans Provisioning

14
Deposit Growth Driven by Granular Retail Deposits; Building Stable Low-Cost Deposit Book
Deposits (₹crs) Retail Deposits as per LCR (₹crs)*
Retail Deposits Share of Retail Deposits (%) 43%
42%
3,36,120 41%
3,25,278 41%
3,15,532
3,02,719 41%
2,93,349  
15% YoY 19% YoY
 1,20,509 
3% QoQ 1,24,105 1,37,968
1,29,990 1,43,021 4% QoQ

Cost of Deposits (%) Key Focus Areas

5.47% 5.81%
5.10%  Expanding branch network
4.60% 4.79%
▲  Focus on target market segments
121bps YoY
 Growth driven by retail customer acquisitions
 Scaling up new businesses – Affluent and NRI
▲
34bps QoQ  Leverage BFIL for rural customers
 Building Merchant Acquiring Business
Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23  Digital Partnerships & Alliances
 Innovative service propositions
 Executing Digital 2.0 with planned Individual and SME
launches
* Retail deposits and deposits from small business customers as defined by LCR
as at period end. 15
Healthy Share of CASA; Strong Liquidity Profile
CASA (₹crs) CA (₹crs)
CASA Share of CASA % CA Share of CA %
42% 42% 40% 15% 15%

43%
43%
12% 12% 14%

50,007 50,600
 44,157 39% YoY
1,33,525 1,36,379 1,34,728 36,507 35,265
1,25,333 1,30,508
7% YoY

 1% QoQ
1% QoQ

SA (₹crs) Liquidity Coverage Ratio (%)

SA Share of SA %
28%
30% 31% 27% 25%
127% 124% 125%
95,243 117% 123%
88,826 89,368 86,372 84,128

5% YoY

3% QoQ

16
Borrowings Constituted by Long Term Sources
Borrowings Mix (%)

Borrowings (₹crs)
Short-Term
Borrowings (₹Cr) % of Total Liabilities Infrastructure
FCY (less than
12 months) Bonds
AT1 Bonds
5% 3%
3%
11% 11% Tier 2 Bonds
12% 10% 10% 6%
49,011
47,323 47,284
41,812 40,673
Refinance from
Long-Term FCY Development
26% Finance
Institutions
57%
17

Loans Provisioning

18
Strong Product Groups with Efficient Capital Deployment
LC-BG Mix
Low RWA Consumption (₹crs)
 One of the largest
LC - Usance treasuries in Indian banks
Notional Amount Risk Weighted Assets 17% with best-in-class risk
11,85,631 LC - Sight Financial management systems
4% Guarantees
0.6%#
38%  Robust framework for
1.4%#
measurement of risks
11,169 77,411 25,000 through Client Suitability
Performance Tests, VaR, PV01, Stop-
Guarantees
Derivatives + FX Contracts + LC and Guarantees 41%
loss limits, MTM of
Options marketable portfolios,
#CRAR consumption Exposure limits, etc.
FX-Derivatives Exposure Type  Exposures predominantly

LC-BG Rating Profile to public sector, cash
Below * Secured by backed transactions and
investment
grade
Cash Backed Counter strong sponsors
11% Guarantees of Others
4% Corresponden Counterparties
t Bank 25% Central
7% Counterparty
(Guaranteed
Exposure Settlements)
against Banks 49%
(Non
Above Collateralised)
investment 6%
grade Counterparties with Collateralised
78% Arrangements (CSA)
20%
*Stressed telecom contributes 1%
19

Loans Provisioning

20
Yield / Cost Movement
12.02% 11.75%
9.20% 8.99%
Yield on Assets
5.81% 5.47% Yield on Advances
4.92% 4.72%
Cost of Deposits
Cost of Funds
Q4FY23 Q3FY23
Segment-wise Yield:
Q4FY23 Q3FY23
Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%)
Corporate Banking 134,150 8.89% 1,27,010 8.57%
Consumer Banking 155,774 14.68% 1,45,744 14.50%
Total 289,924 12.02% 2,72,754 11.75%
•Yield on Assets/Cost of funds are based on Total Assets/Liabilities
21
Diversified and Granular Fee and Other Income Streams
₹In crs Q4FY23 Q4FY22 Y-o-Y(%) Q3FY23 Q-o-Q(%)

Trade and Remittances 200 198 - 201 -
Foreign Exchange Income 269 233 15%  249 8% 
Cards and Distribution Fees 714 470 52%  619 15% 
General Banking Fees 237 209 13%  248 (4%) 
Loan Processing Fees 636 504 26%  604 5% 
Investment Banking 31 28 11%  20 52% 
Total Core Fee Income 2,087 1,642 27%  1,941 8% 
Securities/MM/FX Trading/Others 67 261 (74%)  136 (51%) 
Total Other Income 2,154 1,903 13%  2,077 4% 
Fee Income Mix
74% CONSUMER BANKING 23% CORPORATE BANKING 3% TRADING & OTHER INCOME
22
Operating Profit Margins Amongst the Highest in Industry
Net Interest Margin (%) Total Fee to Asset Ratio (%)
1.9% 1.9% 1.9% 1.9% 1.9%
4.20% 4.21% 4.24% 4.27% 4.28%
Operating Profit Margin (%)

Cost to Income Ratio (%)
5.8% 5.7% 5.7% 5.7% 5.6%
43.4% 43.9% 43.9% 44.9%
42.6%
3.6% 3.5% 3.5% 3.5% 3.5%
% of Average Loans % of Average Assets
23
Key Financial Indicators
Return on Assets (%) Return on Equity (%)

1.80% 1.87% 1.90%
1.73%
1.51% 15.23% 15.26%
14.45%
13.44%
11.92%
Earning Per Share – Annualized (₹) Net Worth (₹ crs)
101.3 105.4 47,265 48,186 50,686 52,848

93.2 45,817
84.2
72.3
24

Loans Provisioning

25
Movement in Non-Performing Assets
Q4FY23 Q3FY23
₹In crs
Corporate Consumer Total Corporate Consumer Total
Opening Balance 1,869 3,842 5,711 2,251 3,316 5,567
Fresh Additions 264 1,339 1,603 119 1,348 1,467
-from Standard 82 1,162 1,244 80 1,055 1,135
-from Restructured 182 177 359 39 293 332
Deductions 63 1,424 1,487 501 822 1,323
-Write-offs - 569 569 314 481 795
-Upgrades 47 181 228 71 104 175
-Recoveries * 16 674 690 116 237 353
Gross NPA 2,069 3,757 5,826 1,869 3,842 5,711
Net NPA 1,715 1,681
% of Gross NPA 1.98% 2.06%
% of Net NPA 0.59% 0.62%
Provision Coverage Ratio (PCR) 71% 71%
Restructured Advances 0.84% 1.25%
*Q4 FY23 Sale to ARC is Rs. 278 crs (Q3 FY23 Sale to ARC is Nil crs)
26
NPA Composition – Consumer Banking
(₹crs)
Q4 FY23 CV Utility CE Small CV TW Cars Tractor BBG/LAP HL/PL/Others Cards MFI Total
Gross NPA 311 29 86 57 352 53 161 797 256 206 1,449 3,757
Gross NPA % 1.10% 0.32% 0.87% 1.63% 7.17% 0.50% 1.71% 3.32% 1.39% 2.39% 4.32% 2.37%
Q3 FY23 CV Utility CE Small CV TW Cars Tractor BBG/LAP HL/PL/Others Cards MFI Total
Gross NPA 597 38 176 75 368 65 171 814 226 159 1,153 3,842
Gross NPA % 2.21% 0.46% 1.88% 2.21% 7.54% 0.64% 1.86% 3.56% 1.56% 2.03% 3.75% 2.60%
27
Loan Related Provisions held as on March 31, 2023
 Specific provision of ₹ 4,041 crs for non-performing accounts(towards PCR)
 Floating provisions of ₹ 70 crs (towards PCR)
 Standard contingent provisions of ₹ 1,900 crs surplus outside PCR
 Standard asset provisions of ₹ 1,313 crs other than contingent provisions
 Provision Coverage Ratio at 71% and total loan related provisions at 126% of GNPA
 Loan related provisions of ₹ 7,324 crs are 2.5% of the loans
28

Loans Provisioning

29
Healthy Capital Adequacy
CET1 Ratio (%)
15.96% 16.06% 15.97% 15.93%
16.01%
Capital Adequacy
₹In crs 31 Mar 23 31 Dec 22
Credit Risk, CVA and UFCE 2,85,986 2,76,259

Market Risk 8,639 8,199
Operational Risk 42,411 38,026
Total Risk Weighted Assets 3,37,036 3,22,484
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23

Core Equity Tier 1 Capital Funds 53,668 51,639
Additional Tier 1 Capital Funds 1,490 1,490
CRAR (%)
Tier 2 Capital Funds 5,030 4,956
18.42% 18.14% 18.01% 18.01% 17.86%
Total Capital Funds 60,188 58,085
CRAR 17.86% 18.01%

CET1 15.93% 16.01%
Tier 1 16.37% 16.47%
Tier 2 1.49% 1.54%
Mar-22 Jun-22 Sep-22 Dec-22 Mar-23
30
Shareholding Pattern and Credit Ratings
Diversified Shareholding
Credit Ratings
Domestic Rating:
GDR issue
NRIs/ Director/ 8.18%
 CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds
Others Promoters
1.96% 15.15%
 CRISIL AA for Additional Tier 1 Bonds program
Individuals
7.31%  CRISIL A1+ for certificate of deposit program / short term FD
MFs / Banks/
Private Corporates
Insurance Co programme
23.72%
4.95%
 IND AA+ for Senior bonds program/Tier 2 Bonds by India Ratings
and Research
 IND AA for Additional Tier 1 Bonds program by India Ratings and
Research
*
FIIs
38.73%
International Rating:
 Ba1 for Senior Unsecured MTN programme by Moody’s
Investors Service
* Includes FPIs
31

Loans Provisioning

32
Disproportionately Large Distribution Network with Unparalleled Rural Presence
Distribution Network with Deep Rural Presence Strengthening Distribution Infrastructure

Mar 31, Jun 30, Sep 30, Dec 31, Mar 31,
Particulars
2022 2022 2022 2022 2023
~34 mn ~1,37,000 Branches/Banking Outlets 2,265 2,286 2,320 2,384 2,606

Customer Base Villages Covered
BFIL Branches 2,795 2,836 2,978 3,176 3,303
Vehicle Finance Marketing
6,491 2,878 816 817 805 792 582
Outlets (IMFS)
Group Network ATMs
ATMs 2,767 2,783 2,807 2,894 2,878
Geographical Breakdown of Branches Regional Breakdown of Branches
Urban Rural Eastern

Southern
656 596 532
640
25% 23% 20%
25%
Western Northern
Metro 485 609
794 Semi
19% 23%
30% Urban
560 Central
22% 340
33 13%

Loans Provisioning

34
Digital Strategy at IndusInd continues to drive impact across 3 primary Business Objectives
Digital transaction intensity continues to grow and more and more of existing business moving digital
93% of transactions 30% YoY growth in 60% YoY growth in 66% YoY growth in 30% QoQ growth in
processed digitally IndusMobile MAU* mobile txn. volumes IndusAssist IndusMerchant Solutions
Drive Superior MAU MAU
Customer
Experience and
Engagement
76% of service IndusMobile App 88% YoY growth 33% YoY growth in
requests processed Rating 4.2# & 4.5# (Q4 FY’22 vs Q4 FY’23) in mobile Whatsapp Banking
digitally
txns. Registered Base
98% of savings 94% of mutual funds 66% of current accounts

97% of credit cards
accounts opened sourced digitally opened digitally
sourced digitally
digitally 62% of Retail
100% of life insurance Forex
sourced digitally 50% of Small Business digital via
79% of personal
Transform existing 29% of savings loans sourced Banking (upto 2 cr indusforex
lines of businesses accounts digitally 86% of non life insurance exposure) sourced digitally
digitally
unassisted sourced digitally
* MAU = Monthly Active Users. 1

#= Android (Play Store) Rating: 4.5 and iOS (App Store) Rating: 4.2
** Digital Unassisted refers to customer initiated and Do It Yourself led % from retail customers (excluding
35 clients of Bharat Financial and Vehicle Finance Division)
Direct platform led business continues to grow at a robust pace
3
Do It Yourself (DIY) Direct Platform led Business: Assets grew 496% YoY, Liabilities grew 44% YoY
DIY Savings Account DIY Current Account with

with VKYC VKYC
Create scalable, DIY SA Vol (indexed) DIY Cards Vol (indexed) DIY PL Vol (indexed) DIY CA Vol (indexed) DIY STBL Vol (indexed)
profitable 566 1902
1.4x 146 1027 2038
Do It Yourself /
Open Banking led 100 5.6x
business models 19x 20x
10.2x
100
100 100
100
FY'2022 FY'2023 FY'2022 FY'2023 FY'2022 FY'2023 FY'2022 FY'2023 Q4 FY'22 Q4 FY'23
36
Open Banking led business models continue to show robust growth
3
Open Banking / BaaS led business: Digital Partnerships AUM (Assets + Liabilities) grew 3.7X YoY
Indexed Client Acquisitions

Use Cases:
• KYC / On-boarding
• Decision as a Service 1.8
6+ Partners live
• Documentation Push X
• Deposit management
IndusInd API Stack Aggregators 176
• 125+ APIs Multiple products:

Create scalable, 100
• Cloud Native • Personal loans
profitable Fintechs • Fixed Deposits
• Secure with token
Do It Yourself / • Credit Cards
management,
Open Banking led • Consumer Finance Q4'23
authorisation and Q4'22
1 2
business models
authentication
Payment Banks
mechanism Indexed AUM
• High scalability and Robust governance framework:
resiliency by design • KYC
Payment Service Providers • Customer Consent & Data
Privacy
3.7
5.3X
• Data localization
X 372
• Information Security
10+ in pipeline
• Digital Lending Guidelines
• Grievance Redressal
• Business Continuity 100
Mar'22
1 Mar’23
2
37
User growth on Digital applications continues to show robust growth
IndusMerchantSolutions awarded Best Merchant Acquirer of the Year
Mobile Banking
• Indus Merchant App went live with its offering for 6+

lacs Bharat Super Shop Merchant (BSS)
Indus Mobile Monthly Active Users
Growth YoY • Monthly active users growing strongly 54% QoQ
indexed values
Awarded
+30%
Best Merchant Acquirer of the Year
Monthly Active Users
(Indexed) at the
130 10th Payments Industry Awards, 2023

100 54%
154
100
Q4 FY'22 Q4 FY'23
Q3'23 Q4'23
38

Loans Provisioning

39
ESG highlights for Q4 of FY23
SOP for Risk Industry Reports and

Sharing Partnerships Checklists Sustainability section of
Website Revamped
Approved Standard Operating Domain experts have created The new and improved
Processes to streamline severe impact industry reports sustainability section of the
guarantee-backed exposures with and checklists that have been website is up-to-date with the
Development Finance Institutions incorporated into the ESG latest sustainable banking
assessment of clients in their initiatives, the latest integrated
respective industries report, the bank's current rating
and reporting standings, and
policies
Business Platform to support Risk Operations

SOP for ESMS Employee Volunteering
Women Entrepreneurs process Portal
(WE)
Developed a standard operating Launched an employee
• Business Plan, Branding and
process to smooth and streamline volunteering portal that
Partnerships for WE finalised the process for loans covered allows employees to choose
• Pre launch Equity Raise event under ESMS (Environmental and volunteering activities based
for WEs conducted Social Risk Management System) on their interests and skill
sets, along with many other
features
40

Loans Provisioning
Heathy Disproportionately Executing Digital ESG Experienced

41
Board of Directors with Varied Expertise
Name Nature of Directorship Special Knowledge /Expertise Prior Experience
Was on the board of all AIG companies in India, Held various senior positions at
Non-Executive, Non-
Banking, Financial services, Citibank, Independent Director on the Board of State Bank of India,, Non-
Mr. Sunil Mehta Independent, Part-time
Insurance and Investment. Executive Chairman of Punjab National Bank, Non-Executive Chairman of YES
Chairman
Bank
Information Technology, Human Previously, MD of IBM India Private Limited, President and Chief Executive
Mr. Shanker Non-Executive Independent
Resource, Risk Management and Officer for GE Medical Systems, South Asia, MD of Wipro-GE Medical Systems,
Annaswamy Director
Business Management served on the Boards of various councils and associations
Retd. Professor of Finance & Economics at IIM Ahmedabad, Previously,
Dr T T Ram Non-Executive Independent Banking, Finance, Economics and Divisional Manager, Tata Economic Consultancy Services, Head of Strategy,
Mohan Director Risk Management. Standard Chartered Bank, India, Vice President Bear Stearns, Hong Kong, and
Head of Research, Birla Marlin Securities
Information Technology, Payments Previously, President – Global Technology at SunGard – a Fortune 500
Mrs. Akila Non-Executive Independent
& Settlement Systems, Human Company and a global leader in Financial Services Software. One of the
Krishnakumar Director
Resource & Business Management Founder- Promoters of Mindtree Ltd. (since divested).
Non-Executive Independent Promoter in several small-scale ventures, primarily manufacturing concerns with
Mr. Rajiv Agarwal Small Scale Industry
Director 38 years of experience in ‘Small Scale Industries’ segment,
Presently, a Senior Partner with M/s Crawford Bayley & Co., one of India’s oldest
Non-Executive Independent
Mr. Sanjay Asher Law and Accountancy Law Firm. Specializes in the fields of M&A, cross-border M&A, joint ventures,
Director
private equity and capital markets
Mrs. Bhavna Non-Executive Independent Accountancy and Risk Previously, Partner at KPMG India, Served on various Committees of Institute of
Doshi Director Management. Chartered Accountants of India (ICAI)
Mr. Jayant Non-Executive Independent Agriculture and Rural Economy Previously, Director of Agriculture, Maharashtra State, Held many important
Deshmukh Director and Cooperation. positions in the Department of Agri, Maharashtra
Currently senior advisor to KPMG India Chairman and CEO. Previously, Senior
Mr. Pradeep Non-Executive Independent Finance, Information Technology
Partner at KPMG India, which he co-founded 27 years ago. Held various senior
Udhas Director and Business Management.
positions including Global roles in KPMG
Banking and Accountancy, Risk
Mr. Sumant Career banker with years of rich experience in large multi-national banks such as
Managing Director & CEO Management and Business
Kathpalia Citibank, Bank of America and ABN AMRO.
Management
42
Experienced and Well-knit Management Team
Name Designation Exp (Yrs) Prior Experience
Career banker with years of rich experience in large multi-national banks such as Citibank, Bank of
Mr. Sumant Kathpalia Managing Director & CEO 31+
America and ABN AMRO
Mr. Arun Khurana Deputy CEO 29+ Regional Head Corporate Solutions Asia-Pacific Markets of RBS Singapore
Mr. Sanjeev Anand Head - Corporate, Commercial, Rural & Inclusive Banking 30+ Head – Commercial Banking, ABN AMRO Bank (India)
Mr. Bijayananda Pattanayak Head - Gems & Jewellery 36+ Managing Director and Member, Global Management Team IDGJ of ABN AMRO
Multiple roles across Credit, Operations and Sales including leading Construction and Commercial
Mr. A. G. Sriram Head – Consumer Finance 30+
Vehicle Segment.
Mr. Soumitra Sen Head - Consumer Banking & Marketing 31+ Leadership positions at ABN AMRO Bank NV, RBS, Deutsche Bank AG & Nestle
Mr. Samir Dewan Head - Affluent Banking & International Business 26+ COO - Private Banking, Asia at RBC, leadership positions with Bank of America, ANZ, and ABN AMRO.
Mr. Siddharth Banerjee Head - Global Markets and FIG 26+ Various position at HSBC, Deutsche Bank, HDFC Bank, ABN AMRO NV, and ANZ Bank
Head - Pan Bank Liability Group, Customer Service &
Mr. Rana Vikram Anand 31+ CEO at Cointribe (leading fintech), Various leadership positions at ABN AMRO Bank NV, ANZ & RBL
Synergy
Joint President Group Account & MIS, Kotak Mahindra Bank; held prior positions at ICICI Bank, Bank of
Mr. Gobind Jain Chief Financial Officer 30+
America, Bank Internasional Indonesia and RBI
Mr. Ramaswamy Meyyappan Chief Risk Officer 29+ Chief Risk Officer at JP Morgan Chase Bank NA, Mumbai
Head - Technology and Corporate & Global Market
Mr. Ramesh Ganesan 31+ Executive Director, ABN AMRO Bank (India)
Operation
Mr. Zubin Mody Chief Human Resources Officer 29+ Head – HR, ICICI Lombard General Insurance Company Limited
Mr. Anil M. Rao Head - Consumer Operations & Solution Delivery 27+ Various positions at ABN AMRO Bank, RBS and Bank of America
Mr. Anish Behl Head – Wealth & Para Banking 26+ Executive Director, Bancassurance - Asia at ABN AMRO Bank NV
Mrs. Charu Sachdeva Mathur Head- Digital Banking & Strategy (Existing Business) 16+ Financial services and telecom advisory at Boston Consultancy Group (BCG)
Ms. Roopa Satish Head - Portfolio Management & CSR 29+ Head – Mid Markets (Western Region), ABN AMRO Bank (India)
Was associated with YES Bank as Senior Group President & Country Head – Internal Audit.. Managed
Mr. Jyoti Prasad Ratho Head - Inspection & Audit 33+
multiple roles in area of Audit & Governance, Risk and Controls.
Has worked with Bank's like RBI, ABN AMRO NV, Deutsche Bank and First Rand Bank in the Compliance
Mr. Murlidhar Lakhara Chief Compliance Officer 27+
domain, prior to joining Indusind Bank in 2017.
Has been with IndusInd Bank since 2013, prior to 2013 he was associated with Nomura India and with
Mr. Indrajit Yadav Head - Investor Relations and Strategy 14+
Cognizant.
43
Planning Cycle 5 Update & Outcome
44
PC-5 Strategy
Planning Cycle 5 (2021–23)
Strategy Scale with Sustainability
Leapfrog Digital Banking
Fortifying Liabilities
Broad Themes
Scaling up Domains of Expertise
Investing in New Growth Engines
Conservative & Robust Practices
45
Scale with Sustainability: Improved Across Sustainability Metrics
FY20: 102%
FY23: 86%
Credit to Deposit
Ratio
<95%
Certificates of
FY20: 3.15x Lower Non-Funded Deposits FY20: 16%
FY23: 2.77x to Funded Ratio FY23: 3%
5%-10%
CRAR
FY20: 15.04%
FY23: 17.86%
FY20: 63% PCR Retail LCR Deposits FY20: 31%

FY23: 71% >65% 45%-50% FY23: 43%
Unsecured
Retail <5%
FY20: 4.3%
FY23: 4.8%
46
PC-5 Strategic Priorities
1.
Retail
Liabilities
Surge
5. 2.
New Fine-tuning
Growth Corporate Bank
Boosters Underpinned by Approach
Digitization &
Sustainability
3.
4.
Holistic
Scaling up
Rural
Domains
Banking
47
1 Retail Liabilities Surge: Progressed towards Building Robust Retail Deposit Franchise
Robust Deposit Growth Driven by Retail & CASA Increased

Ramped Share of Retail
up Client Deposits
Acquisition Continued Investment in Distribution Network
~74% of incremental deposits from retail & CASA (Rs in crore) Retail Deposit as per LCR (% of Total Deposits) Number of Branches (#)
 43%
41%
18% 2,606
CAGR
37%
2,265
31% 1,911 2,015
Mar-20 Mar-21 Mar-22 Mar-23 Mar-20 Mar-21 Mar-22 Mar-23
*excludes CASA considered as part of Retail LCR Deposits
Scaled up New Initiatives (Rs. in crore) Reduced Dependency on Certificate of Deposits Reduced Concentration of Deposits
Mar-20 Mar-21 Mar-22 Mar-23 Certificate of Deposits % of Deposits Top-20 Deposits as % of Total Deposits
42,939 15.8% 23%

22%
34,220
17%
23,175 16%
19,506 2.8% 3.1% 3.2%
Affluent Deposits NRI Deposits Mar-20 Mar-21 Mar-22 Mar-23

Mar-20 Mar-21 Mar-22 Mar-23
48
2 Fine-tuning Corporate Banking Approach: Scaling Granular Franchise with Lower Risk Intensity
Improved Rating Profile Granular Fee Mix

Corporate Book Rating Corporate Fee Mix
AAA 19% 22% 5%

A & above Investment Banking 34%
AA-, AA, AA+ 15%
24% A & above 35%
63%
73% Trade & Remittances
A-, A, A+ 29% 25%
27% 20%
BBB-, BBB, BBB+ FX
31% 25%
BB+ & Below 23% 39%
6% 3% Loan Processing Fees 16%
Mar-20 Mar-23
FY20 FY23
Includes fund and non-fund based exposure to corporate clients
Corporate Book: No Material Surprises Steadily Pivoting towards Growth after Rebalancing
Corporate Slippages – Trailing 4 Quarters Corporate Loan Growth – YoY%
Standard book slippages (exc. restructured) Gross slippages (incl. restructured) 40%
30%
20% 23%
4.0%
10%
2.0% 0%
1.0%
0.0% 0.4% -10%
-20%
Q1FY18
Q2FY18
Q3FY18
Q4FY18
Q1FY19
Q2FY19
Q3FY19
Q4FY19
Q1FY20
Q2FY20
Q3FY20
Q4FY20
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY23
Q2FY23
Q3FY23
Q4FY23
Q4FY19
Q1FY20
Q2FY20
Q3FY20
Q4FY20
Q1FY21
Q2FY21
Q3FY21
Q4FY21
Q1FY22
Q2FY22
Q3FY22
Q4FY22
Q1FY23
Q2FY23
Q3FY23
Q4FY23
49
3 Holistic Rural Banking: Leveraging Deep Rural Distribution
Rural Focused Loans SA and RD Accounts in Microfinance (#mn)
Tractor KCC BFIL Agri Business Group
16% 14.1
CAGR
10.4
Deposits
6.3 Rs.2,300cr +
17% of 19% of
5.3
Loans Loans
FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23
Bharat Money Stores (# ‘000) Merchants Acquired by BFIL (# ‘000 Borrowers)
595
110
86
325 Merchant Loans
51 Rs.4,000cr +
15 79
6
FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23
50
4 Scaling Up Domains: Recovery in Growth following Asset Quality Outperformance
Domains Contributes 42% of Loan Book Vehicle Finance (Rs. in crore)
Vehicle Finance
26%
75,243
61,313 61,923 Asset quality

57,054 outperformance across
Others vehicle categories
58% BFIL
12%
Diamond
Mar-20 Mar-21 Mar-22 Mar-23
Finance
4%
BFIL Loan Book (Rs in crore) Gems & Jewellery Finance (Rs. in crore)
12,017
35,209 10,780
31,813
GNPA & restructured 8,355
25,507 7,369 • No Restructuring
22,428 book lower than
• No NPA
industry during
• No SMA1 & SMA2
pandemic
Mar-20 Mar-21 Mar-22 Mar-23 Mar-20 Mar-21 Mar-22 Mar-23
51
5 New Growth Boosters: Continued Scaling up PC-4 and PC-5 Initiatives
Affluent Banking (Rs. in crore) NRI Banking

Ramped (Rs. in
up Client crore)
Acquisition Tractor Finance (Rs. in crore)
Net Relationship Value Deposits

26%
28% 21% CAGR 9,372
CAGR 67,371 CAGR 34,220 7,907
59,935
50,903 25,706 26,801 6,653
19,506 4,670
32,076
FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23
Affordable Housing (Rs. in crore) Merchant Advances – BFIL (Rs. in crore)
13%
CAGR
1,974 1,872 4,033
1,790
1,313
1,943
376
10
FY20 FY21 FY22 FY23

FY20 FY21 FY22 FY23
52
PC-5 Outcome vs Expectation
Parameter PC-5 Ambition Outcome
Loan Growth CAGR 15% - 18% 17%
CASA Ratio > 40% 40.1%
Revenue Growth Exceed Balance Sheet Growth 13% vs 12%
PPOP / Loans > 5% 5.7%
Branch Network 2,500 2,606
Customer Base Double to >45mn 34mn

Planning Cycle 6 Strategy
54
PC-6 Key Themes
Market Share with Diversification

Strategy
3G: Growth, Granularity, Governance
1
Continuing Retailisation Journey
2
Diversifying Domains
Key 3
Themes Scaling Sub-scale Businesses
4
Accelerating Digital 2.0
5
Imbibing ESG into Business
55
PC-6 Strategy
56
1 Continuing Retailisation Journey: Multipronged Strategy in Place
Continue increasing share of retail deposits Multipronged strategy in place to progress towards
Share of Retail Deposits as per LCR building granular retail deposit franchise
45%-50%
43%
A Strengthening the Core Business
• Branch Network Expansion
31%
• Market Share Gain in Home Markets
• SKY (Digital) Branches to boost productivity
FY20 FY23 FY26B • Leveraging Inter BU Synergies
Ramping-up Customer Acquisition via phygital Strategy
# Customers
Continue Scaling New Initiatives
50mn+ B • Affluent Banking
34mn • NRI Banking
• SME Banking/Business Owner Segment
• Rural Banking
FY23 FY26B
Investing in bank branch network Invest to Boost Growth

# Bank Branches
C • Community Banking
• Merchant Acquisition (Digitally enabled offering
3,250–3,750
2,606
for enterprise merchants)
1,911 • Agency Business
• Digital initiatives focused on individuals, SMEs etc
• Green Liability Products
FY20 FY23 FY26B 57
*Bank branches including banking correspondents and excluding BFIL
2 Diversifying Domains: Market Leadership with Diversification
Vehicle Finance Inclusive Banking - Gems &

Division BFIL Jewellery
Maintain or Improve Market Evolving from Microfinance to An Approach to

Position Across Vehicle Categories Micro Banking Community Banking
• Participating in the cyclical momentum • Rural recovery to drive JLG growth • Capturing entire echo-system via
in vehicle demand albeit within conservative underwriting community banking approach
approach
• Ramping-up sourcing via existing large • Funding entire value chain of existing
branch & dealer network • Diversifying BFIL with 30%-40% loan clients
book originating from non-JLG products
• Financing used-vehicle & affordable • Specialized product offering such as
housing segments • Scaling-up Merchant Acquisition wealth management, Branded diamond
business salary accounts
• Scaling-up Indus Easy Wheels platform
• New products: Individual loans, Two- • Financing businesses across globe via
wheeler loans, Affordable housing loans GIFT city
58
3 Scaling Sub-scale Businesses: Bolstering Growth with Diversification
Mortgage Backed Loans MSME Existing Initiatives
Complete mortgage offerings with launch of Multichannel & multiproduct strategy to Gaining Market Share in PC-5
Home Loan address the unique needs of MSMEs Initiatives
Affluent Banking
SME • Making Pioneer a ‘Brand of Choice’ with
Retail service excellence
Mortgages • Expanding HNI & UHNI offering with launch
Business of Affluent Private
Banking • Leveraging GIFT city for innovative product
offering
Affordable Supply Chain NRI Banking

LAP Home Loan Finance
Housing • Ramping up NR Branches
• End-to-end NR Digital Bank
• Expanding geographies via GIFT city
Agri MSMEs
Merchant Loans - BFIL
Business Loans • Leveraging BFIL’s rural expertise and
distribution network
Scale-up in PC-6 • Scaling existing offering via higher geo
Nano Retailers
penetration
(BSS Merchant offering via BFIL) • Adding collateralized loans to bolster growth
59
4 Accelerating Digital 2.0 via Dedicated Digital Business Unit
Building efficient / profitable digital bank catering to needs of Individual and MSME clients
Individual SME Digital

Segment Segment Partnerships
• IndusEasy credit led Personal • Merchant acquisition via • Focus on few partners & deep
Loan and Credit Cards growth IndusMerchant Solutions strategic alliances
• Scaling online savings portal • DIY VKYC enabled CA platform • Partnerships framework in-
with focus on NTB acquisition to drive acquisition place to enable new
propositions
• Accelerating Digital 2.0 with • Scaling digital business loans
launch & scale-up of INDIE through launch of new • Compliance at core in every
products (NTB + OD facility) partnership
60
5 Sustainability Driven Growth: Imbibing ESG into with Business
Environment Social Governance
• Climate Finance: Growing share of Climate & • Inclusive Banking: Scaling microfinance book • Board level ESG Committee overseeing bank-
Transition finance in loan book creating wide impact on bottom of the pyramid wide ESG related initiatives
segment
• New Products: Introducing innovative ESG • Key Management KRAs to include commitment
linked products across business units • Product launches: Launch of specialized to ESG principles & targets
Programs for social inclusion & positive impact
• Carbon Neutrality: Targets for Emission (Healthcare, Women, Education) • Independent 3rd Party Assurance of Bank’s ESG
Reduction adopted across operational units Loan Portfolio, Liability Products & GHG
with aim for Carbon Neutrality by 2032 • Human Resources: Work towards becoming an Emissions
Employer of choice with improved Diversity &
Inclusion quotient • Integration of ESG Risk with Credit Risk,
Monitoring of Severe ESG Risk Industry
Exposures & Climate Risk policy formulation
61
PC-6 Expected Outcome
Planning Cycle 6 (FY 2023-26)
Loan Growth 18%-23%
Retail Loan Mix 55%-60%

Resulting in
Retail Deposits as per LCR 45%-50%
PPOP / Loans 5.25% - 5.75%
Branch Network 3,250 - 3,750
Customer Base > 50mn
62
Awards & Accolades
63
Awards and Accolades
‘Escorts Kubota Ltd’ ‘Bharat FinTech Summit 2023’
Escorts Kubota Ltd. recently awarded IndusInd Bank won the

IndusInd Bank – TFE Team for being the Best CIO award at the
Number 1 Financier for 2 consecutive recently concluded Bharat
Financial years FinTech Summit 2023.
65
Disclaimer
This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of
any particular person. All information contained has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. This presentation may not
be copied, distributed, redistributed or disseminated, directly or indirectly, in any manner.
This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in any jurisdiction, including India and the
United States. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. Any
person placing reliance on the information contained in this presentation or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or
damage caused pursuant to any act or omission based on or in reliance upon the information contained herein.
No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in
this presentation. Such information and opinions are in all events not current after the date of this presentation. Further, past performance is not necessarily indicative of future results.
This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All forward looking statements are subject to
risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward-looking statement. Important factors that could cause
actual results to differ materially include, among others, future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions.
Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to
update these forward-looking statements to reflect future events or developments.
Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in the form as it has been disclosed in this
presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation and there can be no assurance that future results or events will be consistent with
any such opinion, estimate or projection. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or
changes. The accuracy of this presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank.
This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the Securities and Exchange Board of India (Issue
of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law.
Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not agree due to
rounding off.
Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates.
66

Investor Presentation Q4 FY23

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Investor Presentation

Q4-FY23 | MARCH 2023

April 24, 2023

5th Largest Private Bank ₹2,89,924 crs ₹ 3,36,120 crs 34 mn 6,491

1 Continued momentum on retailisation of deposits

2 Loan growth acceleration driven by retail businesses

Core fee momentum remains robust

4 Asset quality outcomes broadly in-line with the communication

5 Scaling-up new initiatives

Maintaining healthy profitability & sustainability metrics

Loans Deposits CASA Term Deposits Total Assets

Balance ₹2,89,924crs ₹3,36,120 crs ₹1,34,728crs ₹2,01,392crs ₹4,57,837crs

Capital 776 775 - - 775 - -

Reserves and Surplus 54,229 47,252 15%  52,109 4% 

Deposits 3,36,120 2,93,349 15%  3,25,278 3% 

Borrowings 49,011 47,323 4%  47,284 4% 

Other Liabilities and Provisions 17,701 13,268 33%  19,039 (7%) 

Total 4,57,837 4,01,967 14%  4,44,485 3% 

Balances with Banks 13,802 8,387 65%  11,073 25% 

Investments 83,076 70,930 17%  76,174 9% 

Advances 2,89,924 2,39,052 21%  2,72,754 6% 

Fixed Assets 2,078 1,929 8%  2,006 4% 

Other Assets 25,982 21,471 21%  28,320 (8%) 

Total 4,57,837 4,01,967 14%  4,44,485 3% 

Other Income 2,154 1,903 13% ▲ 2,077 4% ▲ 8,173 7,345 11% ▲

Total Income 6,823 5,888 16% ▲ 6,572 4% ▲ 25,765 22,346 15% ▲

Operating Expenses 3,065 2,509 22% ▲ 2,885 6% ▲ 11,346 9,311 22% ▲

Operating Profit 3,758 3,379 11% ▲ 3,686 2% ▲ 14,419 13,035 11% ▲

Diversified Robust Strong Profitability Stable

Healthy Disproportionately Executing Digital ESG Experienced

Diversified Robust Strong Profitability Stable

Healthy Disproportionately Executing Digital ESG Experienced

Vehicle Finance 75,243 26%

Utility Vehicle 9,029 3%

Non-Vehicle Finance 48,316 17%

Vehicle Finance Loan Book (₹crs) Disbursements (₹crs)

Micro Finance Loan Book (₹crs)

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

Average Ticket Size (₹)

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

24% 25% 24% 24%

22% 24% 22% 23%

Sector-wise Loan Mix (% of Total Loans) Diversified Fee Mix Q4FY23

Credit Cards (₹crs) Other Retail Loans

Diversified Robust Strong Profitability Stable

Healthy Disproportionately Executing Digital ESG Experienced

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

Cost of Deposits (%) Key Focus Areas

42% 42% 40% 15% 15%

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

SA (₹crs) Liquidity Coverage Ratio (%)

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

Borrowings Mix (%)

Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23

Diversified Robust Strong Profitability Stable

Healthy Disproportionately Executing Digital ESG Experienced

FX-Derivatives Exposure Type  Exposures predominantly

Diversified Robust Strong Profitability Stable

Healthy Disproportionately Executing Digital ESG Experienced

•Yield on Assets/Cost of funds are based on Total Assets/Liabilities

₹In crs Q4FY23 Q4FY22 Y-o-Y(%) Q3FY23 Q-o-Q(%)

Fee Income Mix

Operating Profit Margin (%)

3.6% 3.5% 3.5% 3.5% 3.5%