Please find attached Investor Presentation for quarter June 30, 2026

July 22, 2026 National Stock Exchange of India Limited (Symbol: INDUSINDBK) BSE Limited (Scrip Code: 532187) Luxembourg Stock Exchange Madam / Dear Sir, Sub.: Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 2026 Ref.: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Please find enclosed herewith the Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter ended June 30, 2026. This intimation is also being uploaded on the Bank's website at www.indusind.bank.in We request you to take the information on record. Thanking you, Yours faithfully, For IndusInd Bank Limited Anand Kumar Das Company Secretary Encl: a/a Solitaire Corporate Park Office: IndusInd Bank Limited, Building No.7, Ground floor, Solitaire Corporate Park, Andheri –Ghatkopar Link Road, Chakala Andheri (E), Mumbai – 400 093, India, Tel: (022) 66412442 Registered Office: 2401 Gen. Thimmayya Road, Pune 411001, India Contact us:(020) 2634 3201| Email us: reachus@indusind.com | Visit us:www.indusind.bank.in CIN: L65191PN1994PLC076333 Investor Presentation Q1-FY27 | June 2026 July 22, 2026 Presentation Path 02 03 04 05 06 e t i n c s s o n t o i a h P t a Executive m r o y t i l a g i l h g y t i d m r o Summary f r e u Q i H i u q f n I s s t e s l a i c i L d y e K s l h u F t IndusInd Bank at a Glance 5th Largest Private Bank 3,26,274 4,14,766 42 mn 9,413 ₹ crs ₹ crs Loans Deposits Customers Touch Points Universal 50% 13% 37% 50% 2.6mn+ Offerings Retail SME Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 17.15% 71% 127% Sheet CRAR PCR Average LCR GNPA 3.25% | NNPA 0.95% Tier 1: 16.10% | Tier 2: 1.05% Profitability 2,773 1,037 0.78% ₹ crs ₹ crs Metrics Operating Profit Net Profit Return on Assets *Annualized Highlights for Q1FY27 Avg Total Deposits: ↑ 1% QoQ Avg Total Loans: ↑ 3% QoQ Pivot towards growth from Avg Retail Deposits: ↑ 4% QoQ Avg Retail & SME Loans: ↓ 1% QoQ consolidation Balance Sheet Retail Deposit share: 49.5% vs. 47.9% QoQ Avg Wholesale Loans: ↑ 7% QoQ GNPAs: 3.25% vs 3.43% QoQ Net Security Receipts: 0.07% vs 0.08% QoQ Continued moderation in stress pools with lower slippages NNPAs: 0.95% vs 1.00% QoQ Restructured Book: 0.05% vs 0.06% QoQ Asset Quality PCR: 71% vs 71% QoQ SMA 1 & SMA2: 0.12% vs 0.17% QoQ Net Interest Margins (excluding one-offs) at 3.35% vs 3.46% YoY and 3.39% QoQ Operating Profit at Rs.2,773crs growing 8% YoY ad 21% QoQ Profit & Loss Consolidated Net Profit at Rs.1,037crs growing 72% YoY and 75% QoQ Building AI Powered Bank: 12,000+ employees trained; AI platforms support 15,000+ monthly users Other Updates 50+ ML models evaluate ~0.5mn loans monthly; risk models monitor ~42mn customers Key Financial Metrics for Q1 FY27 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,26,274crs ₹ 4,14,766crs ₹ 43,864crs ₹ 64,798crs ₹ 5,54,926crs (2)% YoY 3% QoQ 4% YoY 4% QoQ (16)% YoY 3% QoQ 3% YoY 3% QoQ 3% YoY 2% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage Ratio Book Value Per Share 17.15% 0.95% 127% 71% ₹ 832 52bps YoY (33)bps QoQ (17)bps YoY (5)bps QoQ (10)% YoY 7% QoQ 124bps YoY (1)bps QoQ 3% YoY 3% QoQ Profit & Loss Net Interest Income Total Other Income Operating Profit Provisions & Contingencies Net Profit ₹ 4,685crs ₹ 1,787crs ₹ 2,773crs ₹ 1,384crs ₹ 1,037crs 1% YoY 7% QoQ (17)% YoY 4% QoQ 8% YoY 21% QoQ (21)% YoY (7)% QoQ 72% YoY 75% QoQ PPOP to Avg Loans Provisions to Avg Loans Return on Assets Return on Equity Earning Per Share 3.49% 1.74% 0.78% 6.26% ₹ 53.2 40bps YoY 56bps QoQ (38)bps YoY (16)bps QoQ 33bps YoY 32bps QoQ 255bps YoY 243bps QoQ 72% YoY 74% QoQ *All P&L ratios are annualized. Consolidated Balance Sheet (End of Period) ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 66,049 64,736 2% 64,961 2% Deposits 4,14,766 3,97,144 4% 3,99,931 4% CA Deposits 34,620 33,892 2% 35,034 (1)% SA Deposits 87,440 91,113 (4)% 89,899 (3)% Borrowings 43,864 52,203 (16)% 42,789 3% Other Liabilities and Provisions 29,467 24,691 19% 34,934 (16)% Total 5,54,926 5,39,552 3% 5,43,394 2% Assets Cash and Balances with RBI 33,766 46,523 (27)% 29,946 13% Balances with Banks 32,835 16,449 100% 18,987 73% Investments 1,14,802 1,09,147 5% 1,25,007 (8)% Advances 3,26,274 3,33,694 (2)% 3,15,871 3% Fixed Assets 2,515 2,506 0% 2,546 (1)% Other Assets 44,733 31,234 43% 51,037 (12)% Total 5,54,926 5,39,552 3% 5,43,394 2% Consolidated Profit and Loss Account ₹ crs Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) Net Interest Income 4,685 4,640 1% 4,371 7% Other Income 1,787 2,157 (17)% 1,714 4% Total Income 6,471 6,797 (5)% 6,085 6% Operating Expenses 3,698 4,229 (13)% 3,790 (2)% Operating Profit 2,773 2567 8% 2,295 21% Provisions & Contingencies 1,384 1,760 (21)% 1,482 (7)% Profit /(Loss) before Tax 1,389 807 72% 813 71% Provision for Tax 352 203 73% 219 61% Profit/(Loss) after Tax 1,037 604 72% 594 75% Presentation Path 01 03 04 05 06 y s s o r a t h o P i t m u Business t i l a i l h g y t i d m r o S u Q i H i u f n Performance q I v t e l a i L y e i t s i c d K u s n n c A a a r x l h E F t Deposit and Loan Book Performance Deposit Mix – Average for the period (₹ crs) Loan Mix – Average for the period (₹ crs) 120% 3,94,0Y0o0Y QoQ 120% 3,35,000 YoY QoQ 3,92,000 3,30,000 100% 100% 3,90,000 3,88,000 3,25,000 35% 36% 35% 34% 36% 80% 80% 3,86,000 3,20,000 68% 70% 70% 70% 70% 3,84,000 60% 60% 14% 14% 14% 14% 13% 3,82,000 3,15,000 3,80,000 40% 40% 3,10,000 3,78,000 51% 51% 51% 52% 51% 3,76,000 20% 24% 23% 23% 22% 22% 20% 3,05,000 3,74,000 8% 7% 7% 8% 8% 0% 3,72,000 0% 3,00,000 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 CA SA TD Retail SME Wholesale 0 % 0 % (7)% 2% ( 4 ) % ( 1 ) % (4)% 2% (3)% 7% 3 ,9 1 ,1 3 7 3 ,8 4 ,1 6 6 3 ,7 9 ,1 3 9 3 ,8 1 ,4 5 8 3 ,8 3 ,8 0 7 ( 5 ) % 3,33,071 3,25,015 3,19,860 3,12,909 3,18,564 ( 2 ) % 1 % Building a Granular and Cost-Efficient Liabilities Franchise Retail Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) 5% YoY 1,90,166 2,00,000 1,80,678 1,80,475 1,80,113 1,82,898 51.0% 6.44% 6.23% 1,80,000 49.0% QoQ 6.09% 6.07% 5.95% 49.5% 1,60,000 47.9% 47.0% 1,40,000 47.0% 47.5% 1,20,000 46.2% 45.0% 1,00,000 43.0% 80,000 41.0% 60,000 39.0% 40,000 37.0% 20,000 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 - 35.0% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost of SA 5.68% 4.90% 4.88% 4.89% 4.72% Retail Deposits % Share of Total Share of Certificate of Deposits (% of Total Deposits) Borrowings Constituted by Long Term Sources Infrastructure Bonds Short-Term FCY Borrowings (< 12 months) 3% 8% 7.5% Tier-II BONDS 6.4% 6.1% 6.2% 5.9% Long-Term FCY Refinance from Borrowings Development Institutions Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 bps YoY bps QoQ (160)bps YoY bps QoQ ( 3 3 ) (49) (12) Key Drivers of Retailisation of Deposits Process and ‘One Bank’ approach Improving TAT for Productivity holistically serving processes across Revamped KRAs Cross-sell driven engagement customer needs acquisition & servicing Enhancement Premiumization Segmental focus - Business Wealth management via and Differentiated Corporate/ Branded salary Owner/Promoter/Director/Trustee owners, Family offices, Affluent proposition accounts (OPDT) accounts Product Offerings NRIs, Entrepreneurs Upgrading CRMs in sync Digital Enablers Curated digital journeys INDIE app enrichment with Fintech partnerships evolving customer enhanced features and Innovation preference Leveraging Rural Leveraging domain 85K+ Active Bharat Money Deep rural presence covering Tailored merchant offerings and Semi-Urban expertise and leadership in Stores providing banking at 1.60lacs villages livelihood loans doorstep in remote areas Distribution Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdo [Showing first 8,000 characters — download PDF for full document]