Announcement under Regulation 30 (LODR)-Investor Presentation

Pursuant to Regulation 30 of Listing Regulations, we enclose here with the presentation made by the Bank at 'Motilal Oswal Annual Global Investor Conference, 2022' held on September 19, 2022 in Mumbai. In compliance with the Regulation 46, the information is also being hosted on the Bank''s website at https://www.indusind.com/in/en/investors/investor-landing.html

4 days ago

INVESTOR PRESENTATION

Tweet

Sentiments detected

Positive 39
  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Journey 3 Opportunities across Businesses Providing Sustainable Growth Runway 4

  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Journey 3 Opportunities across Businesses Providing Sustainable Growth Runway 4

  • Indian Economy Well poised for Next Decade with Favorable Demographics & Initiatives in Place Favorable demographic dividend with high share of young working population

  • ~500mn 4,494 5,840 urban population Spain 1991 2014 South Korea 1987 2027 ~50-55% Italy 1984 2002 Middle class Japan 1964 2004 population 2011 2016 2021 2022 2025 E 2027 E External fundamentals have steadily improved buttressing stability Multiple initiatives in place to boost economic growth

  • Multiple government initiatives in place to support startups 107 viz.

  • Start-up India, Invest India etc. ~USD 341bn 62 of total 7 18 Valuation 5 Robust investor confidence across lifecycle stages of the startups 2019 2020 2021 2022

  • Banking Sector: Economic Growth along with Credit Under-penetration Implies Robust Growth Potential

  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Journey 3 Opportunities across Businesses Providing Sustainable Growth Runway 4

  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Story

  • With Strong Foundation Laid for Sustainable Future

  • And Steady Improvement in Growth Across Businesses Vehicle Finance Loan Growth (YoY %)

  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Journey 3 Opportunities across Businesses Providing Sustainable Growth Runway 4

  • Leveraging Opportunities Across Businesses Provide Suitable Growth Runway

  • A Existing Businesses B New Growth Boosters 1 Vehicle Finance: Poised for Growth Cycle

  • Driven by 6 Home Loans: Largest Retail Credit Segment with Steady Growth

  • 1 Vehicle Finance: Poised for Growth Cycle

  • Driven by Consumption & Capex Demand 26% of Loan Book Poised for New Growth Cycle.. ..with Positive Macro & Policy Environment

  • Domestic CV sales rebounded sharply & reached new highs after every period of downturn 1 M&HCV LCV

  • Slowdown 8.0 2 E-commerce growth & Improving last mile 6.0 connectivity to lift light commercial vehicle growth 4.0 2.0 - 3 EV adoption to boost the growth cycle for next 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 0 0

  • Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y F F F F F F F F F F F F F F F F F F Source: SIAM; units in lacs CE volume expected to grow

  • Large under-penetration to drive tractor 4 Vehicle scrappage policy to bolster the @~12-14% CAGR sales growth CE annual volume (units)

  • Tractor (units) replacement demand ~250K-260K 13-14mn ~14% 5 Increasing penetration of used vehicle financing CAGR

  • 2 Inclusive Banking: Holistically Serving the Under-Served Rural India 12% of Loan Book Rural India – A Large Untapped Opportunity Evolving Operating Environment IBL Diversifying Offerings via BFIL Share of Rural (%) 1 Current Loan Book Low banking penetration presents large growth opportunity 6% 66% JLG Loans 47% 35% 2 Rural economy bouncing back from Covid stress Loans to Merchants 94% 11% 9%

  • 3 Gems & Jewellery: India’s Export Dominance to Continue 4% of Loan Book India leading in Gems & USD 39.1bn ~27% ~8% ~14% ~8.23mn JewelleryExport export in FY22 of global jewellery contribution to share in India‘s persons

  • India aiming to reach Gems & Jewelleryexport of $100bn by FY25 Supported by encouraging policy environment 1 100% FDI permissions under the automatic route 100 2.5x 2 Reduction of import duty on cut & polished diamond 39 from 7.5% to 5% and sawn diamond to NIL 3 10 special economic zones (SEZ) for gems & jewellery with more than 500 manufacturing units FY22 FY25 E Source: IBEF 4

  • FTA signing with UAE to boost export

  • 4 Corporate: Realigned Coverage & Underwriting; Positioned for Incipient Growth 42% of Loan Book Long Growth Runway for IBL with Small Market Share Imminent Corporate Capex Cycle Driven by.. IBL Corporate Loan Market Share (%) 1 Strong private corporate balance sheet backed by strong cash ~1.8% flows & deleveraging 2 Capex cycle due with improving capacity utilisations

  • As on Jun-22 3 Higher capital spending by government, infrastructure Growth Recovery after Internal Realignments push & asset monetisation Corporate Loan Book Growth (YoY%) 30% 4 20% 24%

  • As on Jun-22 Key Enablers 1 Resilient performance during 2 Digital models getting unserved 3 Rising affluence with improving per stressed environment segment into credit fold capita income & job creations

  • Lead by Structural Drivers Home Loans Market Expected to Double by FY26 1 Strong government push with ‘Housing for All’ initiatives Home Loans (Rs.trn) ~12mn units sanctioned under PMAY (U) 48 2 Regulatory support through PSL eligibility & re-finance 2x availability 24 2x 12 3 Increased availability of alternate data for credit scoring to drive financial inclusion FY16 FY22 FY26 E 4 Improved affordability for the end borrower with Source: SBI Research, NHB various tax & other incentives

  • Leveraging ‘India Stack’ of JAM+UPI 2 Customer adoptions leapfrogged 3 Formalisingcredit availability supported by towards digital new underwriting models

  • Large Unmet Credit Demand MSME Credit Demand in India Multiple growth drivers in place 1 Increasing formalisationof MSMEs driven by GST Rs.45 tn Rs.15 tn Rs.10 tn 2

  • 9 Wealth Management: Rising Income Levels Growing Affluent Population Rising Income Levels Expanding Affluent Middle Class Share of Middle Class Household (%) 1 Rising household savings with high proportion of savings ~80% towards financial assets 50%-55% 2 Robust start-up ecosystem catalysing new set of HNIs

  • Source: WEF Increasing HNI population in India (~14lacs HNIs by 2026) HNI Population (# lacs) 4 Hyper-personalized physital model is the way forward 14 8 5 5 Private Sector Banks have strong market positioning further helped by MNC Banks’ withdrawal 2016 2021 2026E

  • Increasing internet penetration with growth in subscriber base

  • Massive surge in digital transactions led by UPI

  • IndusInd Bank: Uniquely Placed to Participate in India’s Growth Journey 3 Opportunities across Businesses Providing Sustainable Growth Runway 4

  • Potential Growth to Accelerate in “Planning Cycle 6” Tentative Indicators Loan Growth CAGR Ahead of PC-5 Loan Mix

  • Addition of a New Domain Asset Management, Traditional + Surge in Client Retail Broking, Para Banking Acquisition Digital >4 mn per Insurance year Green Ops / Lending Vehicles, “Sustainability” at Consistent Gain in Employer of Choice the Core Market Shares MFI, SME Governance Cards, Deposits Scale up of New Initiatives Digital 2.0, SME, Home Loans Private Banking

Negative 1
  • Total in some columns / rows may not agree due to rounding off.

Mentioned Phrases & Organizations

Important keywords detected (20+)

growth (36)
bank (30)
india (26)
presentation (22)
credit (18)
loan (16)
digital (13)
information (11)
loans (10)
new (9)
across (9)
banking (9)
financial (9)
poised (8)
participate (8)
businesses (8)
providing (8)
penetration (8)
market (8)
diamond (7)

Organizations identified (10+)

IndusInd Bank (6)
IBL (6)
RBI (3)
IndusInd Bank Limited (2)
NHB (2)
UPI (2)
Asst (1)
INDUSINDBK BSE Scrip (1)
Oswal Annual (1)
USD (1)

Features are experimental.