Indusind Bank Ltd. · NSE:INDUSINDBK
Indusind Bank — Q4 FY2022 Earnings Presentation
69 slides from Indusind Bank's earnings presentation, Apr 29, 2022
Slide 1: Exchange disclosure cover letter
lnduslnd Bank April 29, 2022 National Stock Exchange of India Ltd. (Symbol: INDUSINDBK) BSE Ltd. (Scrip Code: 532187) India International Exchange (Scrip Code: 1100027) Singapore Stock Exchange Luxembourg Stock Exchange Madam/ Dear Sir, Sub: Disclosure under Regulation 30 and 46 of the SEBI (Listing
Slide 2: Investor Presentation Q4-FY22
Investor Presentation Q4-FY22 | April 2022
Slide 3: IndusInd Bank at a Glance
IndusInd Bank at a Glance 5th Largest Private Bank ₹2,39,052 crs ₹ 2,93,349 crs 32 mn 5,876 with Disproportionately Loans Deposits Customers Branches/Outlets Large Distribution Network Diversified Across Products and Geographies Across Segments PAN India Network Universal Banking Approach 54:46 Loan
Slide 4: Key Financial Highlights for Q4 FY22
Key Financial Highlights for Q4 FY22 Loans Deposits CASA Term Deposits Total Assets Balance ₹2,39,052 crs ₹2,93,349 crs ₹1,25,333 crs ₹1,68,017 crs ₹4,01,967 crs Sheet 12% YoY 5% QoQ 15% YoY 3% QoQ 17% YoY 5% QoQ 13% YoY 2% QoQ 11% YoY 3% QoQ Net Interest Income Total Fee Income Revenue Operating Pr
Slide 5: Balance Sheet
Balance Sheet ₹In crs Q4FY22 Q4FY21 Y-o-Y (%) Q3FY22 Q-o-Q (%) Capital & Liabilities Capital 775 773 - 775 - - Reserves and Surplus 47,252 42,727 11% 45,830 3% Deposits 2,93,349 2,55,870 15% 2,84,484 3% Borrowings 47,323 51,323 (8%) 45,669 4% Other Liabilities and Provisions 13,268 12,
Slide 6: Profit and Loss Account – Q4 FY22 & FY22
Profit and Loss Account – Q4 FY22 & FY22 ₹In crs Q4FY22 Q4FY21 Y-o-Y (%) Q3FY22 Q-o-Q (%) FY22 FY21 Y-o-Y (%) Net Interest Income 3,985 3,535 13% ▲ 3,793 5% ▲ 15,000 13,528 11% ▲ Other Income 1,905 1,780 7% ▲ 1,877 2% ▲ 7,408 6,501 14% ▲ Total Income 5,890 5,315 11% ▲ 5,670 4% ▲ 22,408 20,029 12% ▲
Slide 7: Key Strengths of the Bank
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 Ca
Slide 8: Key Strengths of the Bank
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 Ca
Slide 9: Well Diversified Loan Book across Consumer and Corporate Products
Well Diversified Loan Book across Consumer and Corporate Products Loan Book Mix (₹crs) 212,595 210,727 220,808 228,583 239,052 (₹crs) 43% 44% 45% 46% 46% Consumer Banking Mar-22 % Vehicle Finance 61,923 26% 57% 56% 55% 54% 54% Commercial Vehicle 23,209 10% Utility Vehicle 6,172 3% Small CV 3,044 1%
Slide 10: Vehicle Finance: Granular Portfolio Across Vehicle Categories
Vehicle Finance: Granular Portfolio Across Vehicle Categories Overview of Vehicle Finance Division Diversified Vehicle Loan Book across Vehicle Categories (%) Utility Vehicle Two Wheelers 10% 7% Market Leader CV 35+ Years of Vintage Focus on Business in Most Products 37% Across Credit Cycles Owner S
Slide 11: Microfinance: Bridging the Financial Inclusion Gap
Microfinance: Bridging the Financial Inclusion Gap Micro Finance Loan Book (₹crs) 30,612 28,115 27,443 26,007 25,944 2nd Largest 10mn 1.32 Lacs Villages Micro Finance Women Customers covered across 21 Lender States Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Average Ticket Size (₹) 28,182 28,065 28,102
Slide 12: Corporate Portfolio – Focus on Granular, Higher Rated Customers
Corporate Portfolio – Focus on Granular, Higher Rated Customers Corporate Loan Book (₹crs) Improving Risk Profile * BB+ & Below BBB-, BBB, BBB+ A-, A, A+ AA-, AA, AA+ AAA 1,09,463 1,05,481 99,079 19% 25% 26% 23% 91,018 92,407 15% 15% 19% 21% 29% 27% 27% 27% 31% 26% 23% 24% 6% 6% 5% 5% Stressed telco
Slide 13: Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy
Non-Vehicle Retail Loans – Risk Calibrated Growth Strategy Business Banking (₹crs) Loan Against Property (₹crs) 11,772 11,892 11,223 11,314 11,031 9,003 8,761 8,788 8,817 8,664 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Credit Cards (₹crs) Business Loan, Personal Loan, Aff
Slide 14: Key Strengths of the Bank
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 Ca
Slide 15: Deposit Growth Driven by Granular Retail Deposits
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 (%) 41% 2,93,349 41% 2,84,484 40% 2,75,288 15% YoY 40% 26% YoY 2,67,233 37% 2,55,870 3% QoQ 6% QoQ 95,811 1,05,
Slide 16: Healthy Share of CASA; Strong Liquidity Profile
Healthy Share of CASA; Strong Liquidity Profile CASA (₹crs) CA (₹crs) CA Share of CA % CASA Share of CASA % 43% 42% 14% 42% 42% 42% 12% 12% 12% 12% 1,25,333 35,725 36,507 1,15,863 1,19,894 32,421 32,587 33,279 1,12,349 2% YoY 1,06,791 17% YoY 10% QoQ 5% QoQ Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4
Slide 17: Borrowings Constituted by Long Term Sources
Borrowings Constituted by Long Term Sources Borrowings (₹crs) Borrowings Mix (%) Borrowings (₹Cr) % of Total Liabilities Infrastructure Long-Term FCY Bonds Borrowings 3% 22% 14% TIER-II BONDS 13% 6% 12% 12% 12% 51,323 49,294 47,323 46,295 45,669 Short-Term FCY Borrowings (12 months) 6% Euro Medium-
Slide 18: Key Strengths of the Bank
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 Ca
Slide 19: Strong Product Groups with Efficient Capital Deployment
Strong Product Groups with Efficient Capital Deployment LC-BG Mix Low RWA Consumption (₹crs) One of the largest LC - Usance treasuries in Indian banks 18% Notional Amount Risk Weighted Assets with best-in-class risk 8,38,823 LC - Sight Financial management systems 9% Guarantees 0.5%# 39% Robust
Slide 20: Key Strengths of the Bank
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 Ca
Slide 21: Yield / Cost Movement
Yield / Cost Movement Yield on Assets Yield on Advances 11.29% 11.36% Cost of Deposits Cost of Funds 8.28% 8.36% 4.60% 4.66% 4.26% 4.08% •Yield on Assets/Cost of funds are based on Total Assets/Liabilities Q4FY22 Q3FY22 Segment-wise Yield: Q4FY22 Q3FY22 Outstanding (₹crs) Yield (%) Outstanding (₹crs
Slide 22: Diversified and Granular Fee and Other Income Streams
Diversified and Granular Fee and Other Income Streams ₹In crs Q4FY22 Q4FY21 Y-o-Y(%) Q3FY22 Q-o-Q(%) Trade and Remittances 199 219 (9%) 188 6% Foreign Exchange Income 234 269 (13%) 228 3% Distribution Fees (Third Party Products) 470 399 18% 388 21% General Banking Fees* 209 200 5% 239
Slide 23: Operating Profit Margins Amongst the Highest in Industry
Operating Profit Margins Amongst the Highest in Industry Net Interest Margin (%) Total Fee to Asset Ratio (%) 4.13% 4.06% 4.07% 4.20% 2.1% 2.0% 2.0% 2.0% 2.0% 4.10% Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Operating Profit Margin (%) Cost to Income Ratio (%) 41
Slide 24: Key Financial Indicators
Key Financial Indicators Return on Assets (%) Return on Equity (%) 1.51% 11.92% 1.29% 1.35% 10.28% 10.88% 1.09% 1.17% 8.88% 9.30% Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Earning Per Share – Annualized (₹) Net Worth (₹ crs) 72.3 42,243 42,751 43,833 45,817 64.1
Slide 25: Key Strengths of the Bank
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 Ca
Slide 26: Movement in Non-Performing Assets
Movement in Non-Performing Assets Q4FY22 Q3FY22 ₹In crs Corporate Consumer Total Corporate Consumer Total Opening Balance 2264 3,515 5,779 2,522 3,723 6,245 Fresh Additions 346 1,742 2,088 56 2,542 2,598 Deductions 80 2,270 2,350 314 2,750 3,064 -Write-offs 1 1,352 1,353 194 1,468 1,662 -Upgrades 41
Slide 27: NPA Composition – Consumer Banking
NPA Composition – Consumer Banking (₹crs) Q4 FY22 CV Utility CE Small CV TW Cars Tractor BBG/LAP HL/PL/Others Cards MFI Total Gross NPA 401 26 97 65 421 55 119 647 199 188 769 2,987 Gross NPA % 1.72% 0.42% 1.10% 2.11% 9.15% 0.65% 1.50% 3.07% 1.82% 3.31% 2.45% 2.27% Q3 FY22 CV Utility CE Small CV TW
Slide 28: Loan Related Provisions held as on March 31, 2022
Loan Related Provisions held as on March 31, 2022 Specific provision of ₹ 3,917 crs (towards PCR) Floating provisions of ₹ 70 crs other than related to COVID-19 (towards PCR) Standard contingent provisions of ₹ 3,328 crs surplus outside PCR Standard asset provision of ₹ 1,047 crs other than
Slide 29: Key Strengths of the Bank
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 Ca
Slide 30: Healthy Capital Adequacy
Healthy Capital Adequacy CET1 Ratio (%) 15.55% 15.59% 15.42% 15.96% Capital Adequacy 15.13% ₹In crs 31 Mar 22 31 Dec 21 Credit Risk, CVA and UFCE 2,47,567 2,38,296 Market Risk 9,538 9,670 Operational Risk 38,026 33,120 Total Risk Weighted Assets 2,95,131 2,81,086 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 C
Slide 31: Shareholding Pattern and Credit Ratings
Shareholding Pattern and Credit Ratings Diversified Shareholding Credit Ratings Domestic Rating: NRIs/ Director/ GDR issue CRISIL AA + for Infrastructure Bonds program/Tier 2 Bonds 8.19% Others 2.21% Promoters CRISIL AA for Additional Tier 1 Bonds program 15.17% Individuals MFs / Banks/ CRISIL
Slide 32: Key Strengths of the Bank
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 Ca
Slide 33: Disproportionately Large Distribution Network with Unparalleled Rural Presence
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 2021 2021 2021 2021 2022 ~32 mn ~1,32,000 Branches/Banking Outlets 2,015 2,015 2,
Slide 34: Key Strengths of the Bank
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 Ca
Slide 35: Digital Strategy to drive main objectives across business lines
Digital Strategy to drive 3 main objectives across business lines 1 • Human Centered Design Principles • Best of Breed Capabilities in financial management including beyond banking Build Enriched Digital services – Value Proposition Stacks • Leverage ecosystem providers to enhance Client Lifetime Va
Slide 36: Comprehensive stack of platforms across Individual and MSME clients
We have built a comprehensive stack of platforms across Individual and MSME clients Savings Fixed Deposit Investments Retail Forex Personal Loans Credit Cards Account • DIY / Assisted • DIY / Assisted • DIY / Assisted • Buy Forex • Video KYC • Video KYC • DIY / Assisted Enabled e2e Enabled e2e • Par
Slide 37: Digital Sourcing % continues to grow
Digital Sourcing % continues to grow and digital unassisted* business models gaining momentum Savings* Fixed Deposits Credit Cards Personal Loans 99% 30% 96% 40% 100% 60% 98% 80% 50% 95% 97% 40% 60% 96% 95% 30% 98% 40% 84% 53% 95% 95% 20% 38% 94% 94% 95% 20% 37% 10% 94% 93% 94% 0% 0% Q4 FY 21 Q4 FY
Slide 38: IndusMobile: All In One Mobile app
IndusMobile: All In One Mobile app with complete customer lifecycle management All in One App with 150+ services across customer lifecycle – introduced IBL Mobile transaction volume up 84% YoY revamped interface for credit card users with easy card controls Indexed mobile transaction volumes 200 184
Slide 39: Whatsapp Banking: ~4.1 mn clients
Whatsapp Banking: ~4.1 mn clients enjoy the list of 45+ services now available on the channel WhatApp Banking: Offer 45+ services for clients across Registered Base of 4.1 Mn - up 87% YoY segments 4.5 million 4.0 3.5 87% CC mini PDF block/unblock statement Mo-engage 3.0 statement statement Credit Ca
Slide 40: 92% of bank's transactions are digital
Consequently, 92% of bank’s transactions are digital and 71% of service requests processed digitally ~70% of Bank’s service requests processed ~92% of Bank’s transactions are digital straight through digitally via channels as self service 92.2% 92% 92.0% 91.8% 91.6% 91.4% 91.2% 91% 91.0% 90.8% 63% 7
Slide 41: Indus Easy Credit for Individuals
Indus Easy Credit for Individuals enabling digitization of Cards & PL with gains in efficiency and turnaround time and easy plug and play in ecosystem % of digital sourcing Now Live Across Credit Cards Indexed Credit Card Logins For Individuals Digital % 770 • Powered by IndiaStack Do It Yourself: 2
Slide 42: Launched Indus Merchant Solutions
Launched Indus Merchant Solutions: Gaining traction with both existing clients as well as new to bank clients in the segment All your needs in one App Installed User Base of 50,000 and Payments. Banking. Loans. scaling up steadily – up 5X QoQ Digital Self Onboarding Multiple modes to Manage digital
Slide 43: Indus easycredit for Businesses scaling up steadily
“Indus easycredit for Businesses” scaling up steadily Digi Overdraft Building the “Digital SME Stack” by Digital Platform Penetration leveraging microservices based APIs Industry First – SME will move into a Unified Lending Platform 3% 30% Unsecured Machine learning risk scorecards built business us
Slide 44: Collaborating with ecosystem players
Collaborating with ecosystem players to generate business and offer enriched customer value propositions to partners or their clients and vice versa Retail Client Base and Balance Sheet acquired via Steadily Scaling up the Open / API Banking led model with partners partners scaled up steadily scalin
Slide 45: Creating future ready tech stacks and platforms
Creating future ready tech stacks and platforms and a digital center of excellence with skills across functions Created a Digital Factory with new age digital workforce, Created a 150+ member Digital Factory with new age digital processes, tools and capabilities and scaling up further workforce, pro
Slide 46: Key Strengths of the Bank
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 Ca
Slide 47: Sustainable Banking: Integrating ESG with Business, Risk & Operations
Sustainable Banking : Integrating ESG with Business, Risk & Operations • Development of innovative ESG Products (Green Deposits, Social Impact Bonds) •Partnerships with Multilaterals / DFI for blended finance solutions & Risk sharing ESG focus in Business •Increase Exposure to ESG +ve sectors – Sust
Slide 48: Key ESG Performance Highlights
Key ESG Performance Highlights 12 Years of Reporting ~46% 8.83 Million Bank's GHG Emissions Intensity per The Bank’s carbon footprint on Sustainability of Total Lending ESG Beneficiaries Through Unit Revenue has decreased by per full-time employee (FTE) Initiatives Focused * Micro Finance * 22.33% o
Slide 49: A Few ESG Achievements
A Few ESG Achievements Dow Jones Sustainability Index Integrated Reporting Only Indian bank and one of the 55 banks 3rd Year of Integrated Reporting globally to be included in DJSI's 'The External assurance of Integrated Report Sustainability Yearbook 2021' 12 Years of Sustainability Reporti
Slide 50: Key Strengths of the Bank
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 Heathy Disproportionately Executing Digital ESG Experienced Cap
Slide 51: Board of Directors with Varied Expertise
Board of Directors with Varied Expertise Name Nature of Directorship Special Knowledge /Expertise Prior Experience Non-Executive, Non- Banking, Finance, Human Previously, CMD of Union Bank of India, Executive Director of Allahabad Mr. Arun Tiwari Independent, Part-time Resource, Risk Management Bank
Slide 52: Experienced and Well-knit Management Team
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 30+ America and ABN AMRO Mr. Arun Khurana Deputy CEO 28+ Regional Hea
Slide 53: Accolades
Accolades VMware Customer Excellence Finacle Innovation Awards 2021 (Nov 21) Award for Improved Customer Experience (Oct 21) IndusInd Bank was the winner in the following • IndusInd Bank is awarded with categories the Global VMware Customer a. COVID Response Innovation (for the Excellence Award init
Slide 54: Accolades
Accolades FICCI CSR Awards 2019-20 ASIAMONEY FX Survey 2021 In the category of Environment In the category of Inclusive Sustainability for & Development of PWDs for IndusInd Bank was adjudged as the Market Leader, India Drain Restoration Project, IndusInd Bank Para-Champions in ASIAMONEY Foreign Exc
Slide 55: Accolades
Accolades IndusInd Bank has been awarded the IndusInd Bank has been awarded as #1 - Best global ‘Celent Model Bank’ award under Financier for 2021 at JCB India Annual Financiers the category of ‘Payments System Awards 2021. IndusInd Bank has won this award for Transformation’ for building a best-in-
Slide 56: Appendix 1: Planning Cycle – FY22 Update
Appendix 1: Planning Cycle 5 – FY22 Update
Slide 57: Scale with Sustainability – Continue to Improve Across Sustainability Metrics
Scale with Sustainability – Continue to Improve Across Sustainability Metrics FY20: 102% FY21: 83% FY22: 81% Credit to Deposit Ratio <95% FY20: 3.15x Lower Non- Certificates of FY20: 16% FY21: 2.34x Funded to Funded Deposits FY21: 3% FY22: 2.30x Ratio 5%-10% FY22: 3% CRAR FY20: 15.04% FY21: 17.38% F
Slide 58: PC5 Strategic Priorities: Retail Liabilities Surge
PC5 Strategic Priorities 1. Retail Liabilities Surge 2. Fine- 5. New tuning Growth Corporate Boosters Underpinned by Bank Approach 6. Digitization & 7. Sustainability 4. Scaling 3. Holistic up Rural Domains Banking 57
Slide 59: Retail Liabilities Surge – Deposit Mobilisation Continues Apace
1. Retail Liabilities Surge – Deposit Mobilisation Continues Apace Driven by Granular Retail Customers Retail Deposits as per LCR Certificates of Deposits 193 100 100 29 Top-20 Top-20 Depositors: Depositors: 23% 17% Mar-20 Mar-22 Mar-20 Mar-22 Term Deposits < 2 cr Deposits Sourced by Consumer BU 233
Slide 60: Fine-tuning Corporate Banking Approach
2. Fine-tuning Corporate Banking Approach – Scaling Granular Franchise with Lower Risk Intensity BBB and below Exposures Tenure > 3 Years 100 100 90 80 Mar-20 Mar-22 Mar-20 Mar-22 Top 20 Exposures (Fund + Non Fund) Granular Fees 100 Trade & Remittances 79 25% 38% FX 25% 24% Investment Banking 34% 16
Slide 61: Holistic Rural Banking – Leveraging BFIL & Vehicle Distribution Network
3. Holistic Rural Banking – Leveraging BFIL & Vehicle Distribution Network Rural Focused Loans SA and RD Accounts in Microfinance (lacs) Tractor KCC BFIL Agri Business Group 18 % CAGR 104 63 53 17% of 19% of 20% of Loans Loans Loans Mar-20 Mar-21 Mar-22 FY20 FY21 FY22 Bharat Money Stores (#) Merchan
Slide 62: Scaling up Domains – Recovery in Growth in Areas of Domain Expertise
4. Scaling up Domains – Recovery in Growth in Areas of Domain Expertise Domains Contributes 43% of Loan Book Vehicle Finance (Rs.cr) Vehicle Finance 4% 26% CAGR 61,313 61,923 57,054 Others 57% Microfinance 13% Diamond Finance Mar-20 Mar-21 Mar-22 4% Microfinance (Rs.cr) Gems & Jewellery Finance (Rs.
Slide 63: New Growth Boosters – Continued Scaling PC-4 and PC-5 Initiatives
5. New Growth Boosters – Continued Scaling PC-4 and PC-5 Initiatives Affluent Banking (Rs cr) NRI Banking (Rs cr) Net Relationship Value Deposits 37 % 17 % CAGR 59,935 CAGR 50,903 25,706 26,801 19,506 32,076 FY20 FY21 FY22 FY20 FY21 FY22 Tractor Finance (Rs cr) Affordable Housing (Rs cr) 30 % 23 % C
Slide 64: Appendix 2: Portfolio Performance: IBL vs Industry
Appendix 2: Portfolio Performance: IBL vs Industry
Slide 65: Vehicle Finance Portfolio – IBL vs Industry
Vehicle Finance Portfolio – IBL vs Industry (As per Leading Bureau) MHCV, LCV, SCV (60+) New PV (60+) Used PV (60+) 16.0 8.0 9 14.0 7.0 8 12.0 6.0 7 10.0 5.0 6 8.0 4.0 5 4 6.0 3.0 3 4.0 2.0 2 2.0 1.0 1 0.0 0.0 0 IBL Industry IBL Industry IBL Industry MHCV, LCV, SCV (90+) New PV (90+) Used PV (90+) 7
Slide 66: Vehicle Finance Portfolio – IBL vs Industry
Vehicle Finance Portfolio – IBL vs Industry (As per Leading Bureau) Two Wheelers (60+) Tractors (60+) Construction Equipment (60+) 14 9 12.00 12 8 10.00 7 10 8.00 6 8 5 6 6.00 4 4 4.00 3 2 2.00 2 0 1 0.00 0 IBL Industry IBL Industry IBL Industry Two Wheelers (90+) Tractors (90+) Construction Equipme
Slide 67: Microfinance – IBL vs Industry
Microfinance – IBL vs Industry (As per Leading Bureau) Industry IBL 100 100 100 100 73 68 54 50 30 DPD 60 DPD 90 DPD Restructured Book As of Jan-22
Slide 68: THANK YOU
THANK YOU IndusInd Bank
Slide 69: Disclaimer
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 in