Induslnd Bank May 29,2019 The Asst. Vice President Thc Deputy - PDF document

Induslnd Bank May 29,2019 The Asst. Vice President Thc Deputy General Manager Listing Dcpartment Corporate Ilelationship Dept. National Stock Iixchangc of India Ltd. BSE I,Td. 1st Floor, New 'l-rading Ring Exchange Plaza, 5th Floor Plot No. C/l, G Block Rotunda lluilding, P. J. 'Ibwers Bandra Kurla Complex l)alal Street, Fort Bandra (East), Mumbai 400 051 Mumbai .400 001 NSE Symbol: INDUSINDIIK llSlt Scrip Code: 5321 87 Madarn / Dear Sir, March 31. 2019 In compliance with Regulation 30 of SEBI (l-isting Obligations and Disclosure Requirements) Regulations, 2015, we forward hercwith the Investor Presenlation on the ,Audited Financial Results' ofthe Bank for the Quarter / Financial Year cnded March 3 1 , 2019. In compliance with Regulation 46, the information is bcing hosted on thc Ilank's websile at www.indusind.com. We requcst you to lakc the above infbrmation on record. Yours faithfully, For Induslnd Bank Limited \r" \t^@', .t[!o./ / Y./ Ilaresh K. Ghjwani Company Se\retary Encl : a/a Induslnd Bank Limited, Building No. 7, Solitaire Corporate Park, Andheri, Ghatkopar Link Road, Chakala,Andheri E, Mumbai -400093,India.Tel:(0022) 66a12200 Regirtered Offic€r 24Ol Gen.Thimmayya Road, Pune411 001,India Tef.: (020) 2634 3201 Faxt lO2O) 2634 3241 Visit us at www.indusind.com CIN: 1651 91 PNl 994P1C076333

Investor Presentation Q4-2018-19

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l@ m @ @ *Excluding derecognition of interest/Provision for a Broup in infrastructure sector ** includes 65 banking outlets lnduslndBank

Domestic Rating: . CRISIL AA + for Infra Bonds program . CRISIL AA for Additional Tier I Bonds program ' CRISIL 41+ for certificate of deposit program . IND AA+ for Senior bonds program by India Ratings and Research . IND AA for Additional Tier I Bonds program by India Ratings and Research . IND A1+ for Short Term Debt Instruments by India Ratings and Research International Rating: . Baa3 for Issue4 Bank Deposits and Senior Unsecured MTN ratings by Moody's Investors Service ' P3 as Short Term Issuer Rating by Moody's Investors Service InduslndBank

Financial Performance -t(. ) ftrfr ' o lrtdttslnd laank

Y-o-Y Growth Q-o-Q Growth Rs.2,232 crs llo/o (2o/o) * Rs. 2,385 crs * 19o/o * 4o/o ) Rs. 1,559 crs 29o/o 60/o * Rs. 1,559 crs ) Rs.3,791 crs l8o/o to/o * Rs 3,944 crs ) Rs. 2,068 crs 17o/o (2o/o) * Rs 2,221 crs * 260/o ) * So/o (620/o) Rs.360 crs (630/o) * Rs 1,189 crs * 25o/o ) * 3o/o Induslnd B'an,k 6

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Y-o-Y Growth Q-o-Q Growth f-1' -l f 1l-l t- 1'"1"-l f-':,r-j f-1'1.':l''-.} F;] t "- I f-1:1",j f-l?T.-} f-11:1 ,| f-'l?-l f ll.':1..l f-'? .l f -?:1' 1 f,1t-l f r"L-1 l'nduslnd 8,ank

{Rs Crs) Capital & Liabilities 0o/o 0 0o/o t Capital 603 602 tZo/o ,l Lo/o 0 Reserves and Surplus 26,083 23,242 25,798 29o/o 0 LLo/o ,1, Deposits 1,94,868 L,51,,639 L,75,701 47,32t 24o/o 6 60/o 6 Borrowings 38,289 44,536 (6vo) 9 l4o/o 6 Other Liabilities and Provisions 8,944 7,856 9,562 v to,962 Cash and Balances with RBI 9,96L {. (9o/o') 9,580 4o/o 52o/o t Il4o/o 4. Balances with Banks 4,822 2,253 3,170 t 18o/o 6 s9,266 Investments 50,o77 53,681 10o/o 29o/o ,l ,t L46394 t,73,t69 Advances L,44,954 8o/o 28o/o 6 6 t,699 Fixed Assets T,7LO 1,339 Lo/o 't5,666 3oo/o t t2,04L 6 14,900 5o/o , 77,819 2,27 2,56,199 8o/o 29o/o ,i 9o/o 6 Business (Advances + Deposit) 3,8r,261 2,96,593 3,48,870 lnduslnd Bank

2,288 (zVo) v 77o/o tt Net Interest lncome 2,232 2,008 29o/o 6 Other Income 1,208 t,469 60/o O 1,559 Total Income 3,79L 3,216 7o/o {. 3,757 lBo/o 7,447 79o/o 4 Operating Expenses t,724 t,640 5o/o ,1. 2,117 (zVo) I 17o/o 6 335 3660/o 6 Provisions & Contingencies 1561 607 757o/o 6 1,434 (65%) v Prolit before Tax 1,510 (660/o) V 507 48L (69o/i I 525 (72o/o) I Provision for Tax 747 es3 (62Vd I 985 (630/o) 9 Profit after Tax 360 Net Profit (excl impact of 25o/o ,l 1,189 1,151 in infra sector) nt\ a InduslndBank ffif-M l0

Net Interest Income (Rs Crs) 2,385 2,008 79o/o Total Income(Rs Crs) 3,944 3,215 23o/o 5o/o Operating Profit[Rs Crs) 2,227 1,769 2,LL7 260/o 5o/o Profit after Tax((Rs Crs) 1,189 953 1,151 25o/o 3o/o Net Interest Margin(%) 3.84o/o 3.83o/o Return on Assets[%o) l.B4o/o 1.90o/o Return on Equityf%) 17.75o/o Cost to Income Ratio(%) 43.70o/o 43.65o/q cNPA(%) l.l3o/o !93i4 NNPA[%o) O.48o/o 0.59o/o PCR[%o) S4.Oo/o 47.7o/o Credit Cost [bps) O.l9o/o O.L$o/o Induslnd F,alrk 1t

(Rs Crc) Net Interest Income Other Income re"1: + 5,647 4,750 te% 4 L4,493 14,646 t8o/o ,l Total Income 12,24g 20o/o 6 Operating Expenses 6,405 6,405 5,592 l5o/o I L50/o I Operating Profit 8,088 8,241 6,656 Z4o/o li Z2o/o 4 Provisions & contingencies 3,108 1,457 t,L7s 1640/o 4 24o/o 4 Profit before Tax 4,ggt 6,785 5,48L (9o/o) I 24o/o 6 rrovrsronror rax Lf ty 2,5v9 7,4/5 l-Lu%) v 23o/o 6 ProfitafterTax 3,301 4,475 3,606 (Ao/oJ 9 Z+ito +

1.90o/o 7,860/o L.62o/o Return on Assets 1.84o/o L.39o/o L.90o/o 0.560/o 7.890/o 16.480/o t6.56o/o 15.44o/o ROE (On average equity) 77,75o/o 13.25o/o t8.040/o 5.460/o 77.540/o Cost / Income Ratio 44.98o/o 43.650/o 45.650/o 43.70o/o 44.19o/o 43.650/o 43.73o/o Net Interest Margin 3.84o/o 3.80o/o 3.990/o 3.97o/o 3.83o/o 3.59o/o 3.860/o 0.51o/o 0.5f/o 0.59o/o 0.48o/o 7.270/o Net NPA L.2lo/o 0.48o/o EPS (annualized, Rs. per 78.93 54.90 60.19 24.37 74.42 shareJ Capital + Reserves (Excl. 23,479 23,479 Revaluation Reservel [Rs. in 27,534 26,360 26,367 27,534 InduslndBank

Loan Book !rConsumer Flnance Division r.Corporate & Commertial Banklng (Rs crs) qgfn{nl,Y,eXlqlq.l?oa{rt............- -?!.144 . .1..3% 52,166 28o/o q!U.!y.,v-_e,hicf e.-Lea!i . 3,1l.gll-. .,.. 2."1p.. Corporates Mid size 5ry!aU.,c.y-....... .,. -..,.,.,.,,,... .... 3,,1,3,s,....'. . 2-y..q. 33,369 180/o Colporateq T.qo_Whe€ler.Lo..a!s,.... " . !,!19 12. ....2_Y.,"-,. Small 28,175 lSo/o 6,537 4Vo Car Loans Tre,cler..." ...,,......-.."."..... 1,F?0 ..._.?:ib.. Tractor Esq!pmel!.ii!L4rr,9!IrC . .?,569 ^--!!1p 2o/o C,redr!'q4rq-..,,-' .. "...-.-!, _39].. .. '?!v\. !9eqAg?i.n9!!_r_operty. ..............8.P.25 . ....5:/q IndorcIndF,alrk

' Three groups, one each in Media / Diversified / Housing Finance sectors speculated as being stressed ' Bank's funded and non-funded exposure to these groups is L.9o/o of the loan book ' Consolidated securit5r cover of 140o/o for the exposures held by us, of which marketable security in the form oflisted shares covers 58olo ofthe total exposure as on date . All above accounts are standard in the BanlCs books ' RoC filing of charges for assessing banking exposures is sometimes misinterpreted .4) rc',.G)/ l&t$y ,5

a Microfinance I Gems and fewellery r Real Estate I Power Generation I NBFCS (other than HFCs ) I Services SMA 1 Outstandingl r Lease Rental 2.51o/o 0.32olo of loans 2.48o/o SMA 2 Outstandingi c Roads/other infra proiects 0.34Yo ofloans I Constn related to infra.- EPC 0 .. : Accounts in sMAl & t . : r Food Beverages and Food processing SMA2:45 0l l; Telecom- Cellular * Housing Finance Companies LIIVo ,r Other lndustry 24.27o/o 555 s76 Corpomte Banking 6Lo/o l Consumer Banklng 6; 641 uslnd 8,ank

P E Investment Grade Sub Investment Grade 20% R c E 18% N T$% ! '^w X Unsecured Non Fund Based % I Secured Non Fund Based % R I Unsecured Fund Based % 12% A t Secured Fund Based % T 10% E Daw lBl lB2+ lS2 lB! lB4+ lB4 lB+ lB5+ lB5 lB5- lB2- lB3+ lB3 lB7 tB8 NPA (AA-) (A+) (A) (AAA) (AA+) (AA) (4.) (BBB+) (BB8) (BBB-) (BB+) (BB) (BB-) (c) (c) (D) 17

tl tl rl Vehlcle Flnance Portfolio-wise Risk Distribution - Mar'19 a . Behavioural Score (B-score) I I post I measures I disbursement credit quality ! I using long range trisioricat ! I data. i . ;:;;;.. assesses "u"ry ! I borrower risk using Current ! ; and Historical DPD, LTV, I I Geography, Loan tenor, I I Customer Wpe, etc. : . B-score is ur"A fot credit / | | ..,. portfolio quality I I dsSgsshert, improving I I I collection efficiency, cross- | I xottllltE tot , ltcEttatlt t(!l sell and is a lead indicator of I I z t I a I credit cost I ' &r . $Nle of I (ld5t rl5ll to 6 (hidh rbtl I I I I I Q-o-Q Movement in Weighted Average Risk Score (WARS): lhdctstndg,alnk t8

Building CASA traction CASA Uptick I Expanding branch network I Focus on target market segments I Government business P Capital market flows ) Key Non Resident markets > Self employed and Emerging Corporate businesses ts Transaction Banking and CMS Mandates Q3FY1S Q4FY18 Q1Fy19 Q2Fy19 Q3Fy19 Q4Fy19 ,, ;CASA (Rs crsJ +96 of Total Deposits Differentiated service propositions Current Account (CA) Savlngs Account (SA) Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q4FY18 Q1Fy19 Q2Fyr9 Q3Fy19 Q4Iy19 Q3FY18 I {. tSA (Rs cis) -+96 of Total Deposits r!CA (Rs crs) -a-% ofTotal Deposits l9

(Rs Crs) 7,4r9 120/o 4. 1,773 Core Fee 7,266 27o/o Securities/MM/FX 203 (37o/o) I 49o/o 6 L40 95 Trading/Others Induslnd 8,alrk 9n

(Rs Crs) Trade and 23o/o i 540 IBo/o 4 220/o 6 189 153 155 636 Remittances 27s s% I Foreign Exchange 797 47o/o 6 779 30o/o 6 1,015 Income Distribution Fees 273 l7o/o 6 268 976 760/o i 730/o 6 t,\28 302 (lnsurance, MF, Cards) (B%) 9 264 30o/o 6 29o/o 6 General Banking Fees 91 344 228 440/o 6 BB0 24o/o 4 790/o 6 328 Loan Fees 276 1,095 797 t6o/o 4 738 LSo/o 6 13o/o 6 201 850