General Announcement::Investor Presentation - Unaudited Financial Results for quarter and half year ended Sept 30, 2021

Investor Presentation

Q2-FY22 | OCTOBER 2021

IndusInd Bank at a Glance

5th Largest Private Bank

with Disproportionately Large Distribution Network

Universal Banking Approach

with Diversified Loan & Deposit Mix

Strong Domain Expertise

Long Vintage across Cycles

Robust Balance Sheet

with Strong Capital Adequacy & Contingency Buffers

Strong Profitability amongst highest in the Industry

₹220,808 cr	₹ 275,288 cr		30 mn		5,507
Loans	Deposits		Customers		Branches/Outlets
Diversified Across Products and Geographies		Across Segments		PAN India Network

	55:45 Loan Mix			42% CASA		Innovative Digital Approach
	Retail VS Wholesale			Stable Low-cost Deposits		Overall Digital Transaction Mix at 91%
	Vehicle Finance		Micro Finance		Gems & Jewellery
	27% of the Loan Book		13% of the Loan Book		4% of the Loan Book
	17.37% CRAR		148% Average LCR		72% PCR
	Tier 1: 16.68% | Tier 2: 0.69%		Well above regulatory requirement		GNPA 2.77% | NNPA 0.80%
	(excluding H1 FY 22 PAT)
	4.07% Net Interest Margin			41.44% Cost to		5.97% Operating Profit
		Income		Margin to Loans

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Key Financial Highlights for Q2 FY22

Balance

Sheet

Profit &

Loss

Key

Ratios

LoansDepositsCASATerm DepositsTotal Assets

₹220,808 crores

₹275,288 crores

₹115,863 crores

₹159,425 crores

₹3,80,495 crores

10% YoY

5% QoQ

21% YoY

3% QoQ

26% YoY

3% QoQ

17% YoY

3% QoQ

15% YoY

2% QoQ

Net Interest Income

Total Fee Income

Revenue

Operating Profit

Net Profit

₹3,658 crores

₹1,838 crores

₹5,496 crores

₹3,219 crores

₹1,147 crores

12% YoY

3% QoQ

18% YoY

3% YoY

14% YoY

3% QoQ

13% YoY

1% QoQ

73% YoY

13% QoQ

Net Interest Margin

Return on Assets

Return on Equity

Cost to Income

Net NPA

4.07%

1.29%

10.28%

41.44%

0.80%

9bps YoY

1bps QoQ

44bps YoY

12bps QoQ

316 bps YoY

98bps QoQ

46bps YoY

96bps QoQ

28bps YoY

4bps QoQ

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Balance Sheet

₹In Crore	Q2FY22
Capital & Liabilities
Capital	774
Reserves and Surplus	44,552
Share Warrant Subscription money	-
Deposits	275,288
Borrowings	46,295
Other Liabilities and Provisions	13,585
Total	3,80,495
Assets
Cash and Balances with RBI	13,239
Balances with Banks	53,891
Investments	69,245
Advances	220,808
Fixed Assets	1,903
Other Assets	21,410
Total	380,495

Q2FY21	Y-o-Y (%)	Q1FY22	Q-o-Q (%)
756	2%		774	-	
38,244	16%		43,774	2%	
674	(100%)		-	-	
2,27,884	21%		267,233	3%	
52,385	(12%)		49,294	(6%)	
12,053	13%		11,921	14%	
3,31,996	15%		372,996	2%	
8,279	60%		11,876	11%	
37,566	43%		58,884	(8)%	
62,953	10%		68,699	1%	
2,01,247	10%		210,727	5%	
1,890	1%		1,876	1%	
20,063	7%		20,932	2%	
3,31,996	15%		372,996	2%	

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