IndusInd Bank Limited

2023-07-18
Source

₹In crs Q1 FY24 Q1 FY23 Y-o-Y (%)

Capital & Liabilities
Capital 776 775 -
Reserves and Surplus 56,368 48,932 15%
Deposits 347,047 302,719 15%
Borrowings 45,622 41,812 9%
Other Liabilities and Provisions 17,180 15,862 8%
Total 466,993 410,100 14%
Assets
Cash and Balances with RBI 28,235 56,153 (50)%
Balances with Banks 18,168 6,615 175%
Investments 94,216 72,487 30%
Advances 301,317 247,960 22%
Fixed Assets 2,109 1,952 8%
Other Assets 22,948 24,933 (8)%
Total 466,993 410,100 14%
 Q4 FY23 Q-o-Q (%)

- 776 - -
 54,229 4% 
 336,120 3% 
 49,011 (7)% 
 17,701 (3)% 
 457,837 2% 

 42,975 (34)% 
 13,802 32% 
 83,076 13% 
 289,924 4% 
 2,078 1% 
 25,982 (12)% 
 457,837 2% 
IndusInd Bank Limited
2023-07-18
Source

₹In Crore Q1FY24 Q1FY23 Y-o-Y (%)

Net Interest Income 4,867 4,125 18%
Other Income 2,210 1,932 14%
Total Income 7,077 6,057 17%
Operating Expenses 3,246 2,626 24%
Operating Profit 3,831 3,431 12%
Provisions & Contingencies 991 1,251 (21)%
Profit before Tax 2,840 2,180 30%
Provision for Tax 716 549 30%
Profit after Tax 2,124 1,631 30%
Q4FY23 Q-o-Q (%)
▲4,669 4% ▲
▲2,154 3% ▲
▲6,823 4% ▲
▲3,065 6% ▲
▲3,758 2% ▲
▼1,030 (4)% ▼
▲2,727 4% ▲
▲684 5% ▲
▲2,043 4% ▲
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital – Core toESG
the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source

Healthy Disproportionately Executing Digital – Core toESG

the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Consumer Banking June-23%

Vehicle Finance 78,332 26%
Commercial Vehicle 29,320 10%
Utility Vehicle 9,813 3%
Small CV 3,561 1%
Two-Wheeler 4,778 2%
Car 11,110 4%
Tractor 9,516 3%
Equipment Financing 10,234 3%
Non-Vehicle Finance 51,567 17%
Business Banking 14,807 5%
Loan Against Property 9,953 3%
Credit Card 8,978 3%
Personal Loans 6,084 2%
Merchant advances 4,229 1%
BL, AHL, Others 7,516 2%
Microfinance 31,981 11%
Total Advances 161,880 54%
IndusInd Bank Limited
2023-07-18
Source

(₹crs)
Corporate Banking June-23%
Large Corporates 77,065 25%
Mid Corporates 47,624 16%
Small Corporates 14,748 5%
Total Advances 139,437 46%
IndusInd Bank Limited
2023-07-18
Source

Tech/Data driven 115K+ Active 660K+ Merchants

Risk Management Bharat Money (loan clients)
District/Branch Storesdoorstep
Banking at
in Addressing the
level Monitoring remote MSME banking
areas needs
IndusInd Bank Limited
2023-07-18
Source

Sector Q1 FY24
NBFCs (other than HFCs ) 5.21%
Real Estate - Commercial and Residential 4.18%
Gems and Jewellery 3.93%
Power Generation – Non Renewable 2.99%
Steel 2.16%
Food Beverages and Food processing 1.6%
Power Generation – Renewable 1.49%
Services 1.23%
Road Projects (Operational) 1.09%
Petroleum & Products 1.08%
Others 21.31%
Corporate Banking 46.28%
Consumer Banking 53.72%
Total 100%
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital – Core toESG
the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital – Core toESG
the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital – Core toESG
the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Q1FY24 Q4FY23
Outstanding (₹crs) Yield (%) Outstanding (₹crs) Yield (%)
Corporate Banking 139,437 8.99% 134,150 8.89%
Consumer Banking 161,880 14.76% 155,774 14.68%
Total 301,317 12.24% 289,924 12.02%
IndusInd Bank Limited
2023-07-18
Source

₹In crs Q1FY24 Q1FY23

Trade and Remittances 233 189
Foreign Exchange Income 262 220
Cards and Distribution Fees 637 507
General Banking Fees 382 334
Loan Processing Fees 588 511
Investment Banking 17 25
Total Core Fee Income 2,119 1,786
Securities/MM/FX Trading/Others 91 146
Total Other Income 2,210 1,932
Y-o-Y(%) Q4FY23 Q-o-Q(%)
23%  200 17% 
19%  269 (2)% 
26%  714 (11)% 
20%  237 61% 
15%  636 (8)% 
(35)%  31 (47)% 
19%  2,087 2% 
(37)%  67 37% 
14%  2,154 3% 
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
Healthy Disproportionately Executing Digital – Core toESG
the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Q1FY24
₹In crs
Corporate Consumer Total
Opening Balance 2,069 3,757 5,826
Fresh Additions 43 1,333 1,376
-from Standard 43 1,201 1,244
-from Restructured - 132 132
Deductions 124 1,137 1,261
-Write-offs 19 701 720
-Upgrades 12 87 99
-Recoveries * 93 349 442
Gross NPA 1989 3,952 5,941
Net NPA 1,747
% of Gross NPA 1.94%
% of Net NPA .58%
Provision Coverage Ratio (PCR) 71%
Restructured Advances .66%
 Q4FY23

Corporate Consumer Total

1,869 3,842 5,711
264 1,339 1,603
82 1,162 1,244
182 177 359
63 1,424 1,487
- 569 569
47 181 228
16 674 690
2,069 3,757 5,826
1,715
1.98%
.59%
71%
.84%
IndusInd Bank Limited
2023-07-18
Source

Q1 FY24 CV Utility CE Small CV

Gross NPA 378 30 93 65
Gross NPA % 1.28% .3% .91% 1.81%
 HL/PL/Oth
TW Cars Tractor BBG/LAP ers
376 60 169 847 265
7.62% .54% 1.76% 3.34% 1.47%
Cards MFI Total
216 1,453 3,952
2.38% 4.39% 2.41%
IndusInd Bank Limited
2023-07-18
Source

Q4 FY23 CV Utility CE Small CV

Gross NPA 311 29 86 57
Gross NPA % 1.1% .32% .87% 1.63%
 HL/PL/Oth
TW Cars Tractor BBG/LAP ers
352 53 161 797 256
7.17% .5% 1.71% 3.32% 1.39%
Cards MFI Total
206 1,449 3,757
2.39% 4.32% 2.37%
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source

₹In crs 30 June 23 31 Mar 23

Credit Risk, CVA and UFCE 282,316 285,986
Market Risk 9,643 8,639
Operational Risk 42,411 42,411
Total Risk Weighted Assets 334,370 337,036
Core Equity Tier 1 Capital Funds 54,980 53,668
Additional Tier 1 Capital Funds 1,490 1,490
Tier 2 Capital Funds 5,062 5,030
Total Capital Funds 61,532 60,188
CRAR 18.4% 17.86%
CET1 16.44% 15.93%
Tier 1 16.89% 16.37%
Tier 2 1.51% 1.49%
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source

Healthy Disproportionately Executing Digital – Core toESG

the Experienced
Capital Adequacy Large Distribution 2.0 Strategy Business Board and
Management
Network Philosophy Team
IndusInd Bank Limited
2023-07-18
Source

Jun 30, Sep 30,

Particulars
Branches/Banking 2022 2022
~35 mn ~1,38,000 Outlets 2,286 2,320
Customer Base Villages Covered
BFIL Branches
Vehicle Finance 2,836 2,978
Marketing
6,561 2,875 Outlets (IMFS) 817 805
Group Network ATMs ATMs 2,783 2,807
Dec 31, Mar 31, June 30,
2022 2023 2023
2,384 2,606 2,606

3,176 3,303 3,394

792 582 561

2,894 2,878 2,875
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source

ESG products for ESG Integration in

Business Risk Management
ESG Principles in Industry-level
Bank’s IT, HR and Advocacy &
Operations Collaboration
IndusInd Bank Limited
2023-07-18
Source

Diversified Robust Strong Profitability

amongst the Stable
Loan Book with Domain Liability Franchise Product Groups Highest Asset Quality
Expertise in Livelihood in Industry with Conservative
Loans Provisioning
IndusInd Bank Limited
2023-07-18
Source
Nature of Special Knowledge
Name Directorship PriorHeld
/Expertise India, Experience
various
Banking, Financial senior positions
Bank of India,,at
Non-Executive,
Independent, Part- services,
Insurance and Non-
Executive
Mr. Sunil Mehta time Investment. Chairman of YES
Chairman Technology, Bank
and Chief
Non-Executive Human
Resource, Risk Wipro-GEExecutive
Medical
Mr. Shanker Independent Management and
Business Systems,
councils and
Annaswamy Director Management associations
Ahmedabad,
Non-Executive Banking, Finance, Services, Previously,
Head of
Dr T T Ram Independent Economics and Strategy,
Stearns, Hong
Mohan Director Risk Management. Kong, and
Birla Marlin
Technology, Securities
SunGard –a
Non-Executive Payments Fortune
& Settlement Software. One of 500
Mrs. Akila Independent Systems,Business
Human Mindtree Ltd. the
Krishnakumar Director
Non-Executive Management (since divested).
manufacturing
Independent Small Scale concerns with
Industries’
Mr. Rajiv Agarwal Director Industry Co., one segment,
of India’s
Non-Executive Law and M&A,oldest
joint
Mr. Sanjay Asher Independent Accountancy private equityventures,
and
Director
Non-Executive Accountancy and capital markets
Committees of
Mrs. Bhavna Independent Risk Institute of
Accountants of
Doshi Director
Non-Executive Management.
Agriculture and State, India (ICAI)
Held many
Mr. Jayant Independent Rural Economy important
Department of
Deshmukh Director and Cooperation. Agri, Maharashtra
and CEO.
Non-Executive Previously,
Information ago. Held variousSenior
Mr. Pradeep Independent Technology
and Business senior
Global roles in
Udhas Director Management.
Banking and KPMG
Managing Director Management Risk
Accountancy, and multi-national
Mr. Sumant & CEO Business America
banksand such as
ABN
Kathpalia Management AMRO.
IndusInd Bank Limited
2023-07-18
Source

Name Designation Exp (Yrs)

Mr. Sumant Kathpalia Managing Director & CEO 35+

Mr. Arun Khurana Head - Corporate,
Deputy CEO
Commercial, Rural 29+
& Inclusive
Mr. Sanjeev Anand Head - Technology
Banking and Corporate & 31+
Global Market
Mr. Ramesh Ganesan Operation 35+
Mr. Zubin Mody Chief Human Resources Officer 30+
Mr. Bijayananda Pattanayak Head - Gems & Jewellery 38+

Mr. Gobind Jain Chief

Head Financial Banking
- Consumer Officer & 29+
Mr. Soumitra Sen Marketing 33+
Head - Affluent Banking &
Mr. Samir Dewan HeadInternational Business &
- Consumer Operations 25+
Mr. Anil M. Rao Solution Delivery 28+
Mr. Siddharth Banerjee Head - Global Markets and FIG 25+
Mr. Vivek Bajpeyi Chief Risk Officer 34+

Mr. Shiv Kumar Bhasin ChiefDigital

Head- Transformation
Banking & Officer
Strategy 27+
Ms. Charu Sachdeva (Existing
Mathur Business) 16+

Mr. A. G. Sriram Head – Consumer Finance 30+

Investor Relations
Mr. Indrajit Yadav Head - and Strategy 14+
 Prior
experience Experience
in large multi-national
Bank of America Citibank,
banks such as
and ABNHead
Regional AMRO Corporate Solutions
Asia-Pacific Markets of RBS Singapore
Head – Commercial Banking, ABN
AMRO Bank (India)
ABN AMRO Bank
Head – HR,(India)
ICICI Lombard General
Insurance Company
Global Management Limited
Team IDGJ of
ABN AMRO
Kotak Mahindra Bank; held prior
Bank, positions at ICICI Bank
Bank of America,
International
Bank IndonesiaBank
NV, RBS, Deutsche and AG
RBI &
Banking, AsiaNestle
at Bank of America,
RBC, ANZ, and
ABN AMRO.
Various positions at ABN AMRO Bank,
RBS and
Bank, HDFC Bank
Bank, of AMRO
ABN AmericaNV, and
ANZ Bank
ANZ Grindlays, Deutsche Bank and
Nomura
associated India.
with Corporate, Fidelity
NSE
esteemed - Investment and
organisations.
advisory at Boston Consultancy Group
Operations and(BCG)
Sales including
leading Construction
Commercial and
Vehicle
2013, Segment.
prior to 2013 he was associated
with Nomura India
and with
Cognizant.