Please find attached Investor Presentation on Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter and half year ended September 30, 2026.

October 23, 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 and half year ended September 30, 2026 Ref.: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation to our Intimation dated October 13, 2026, please find enclosed herewith the Investor Presentation on the Unaudited Consolidated and Standalone Financial Results of the Bank for the quarter and half year ended September 30, 2026. This intimation is also being uploaded on the Bank's website at www.indusind.bank.in. We request you to take the above 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 Q2-FY27 | September 2026 October 23, 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 3,63,104 4,28,832 42 mn 9,457 ₹ crs ₹ crs Loans Deposits Customers Touch Points Universal 58% 42% 49% 2.8mn+ Offerings Retail Wholesale Retail Deposit Share Monthly Active share in Loan Book as per LCR Users on INDIE App Robust Balance 16.59% 70% 127% Sheet CRAR PCR Average LCR GNPA 2.73% | NNPA 0.83% Tier 1: 15.55% | Tier 2: 1.04% Profitability 2,874 1,242 0.87% ₹ crs ₹ crs Metrics Operating Profit Net Profit Return on Assets *Annualized Highlights for Q2FY27 Avg Total Deposits: ↑ 7% QoQ Avg Total Loans: ↑ 9% QoQ Acceleration in Business Momentum Avg Retail Deposits: ↑ 5% QoQ Avg Retail Loans: ↑ 9% QoQ Across Segments Balance Sheet Retail Deposit share: 49.0% vs. 49.5% QoQ Avg Wholesale Loans: ↑ 9% QoQ GNPAs: 2.73% vs 3.25% QoQ Net Security Receipts: 0.03% vs 0.07% QoQ Continued moderation in stress pools with lower slippages NNPAs: 0.83% vs 0.95% QoQ Restructured Book: 0.04% vs 0.05% QoQ Asset Quality PCR: 70% vs 71% QoQ SMA 1 & SMA2: 0.05% vs 0.12% QoQ NII: Rs4,569Crs ↓2% QoQ NIM: 3.23% vs 3.57% QoQ NIM Impact coming from FCNR (B) mobilization; offset by other P&L line PPOP: Rs2,874Crs ↑4% QoQ RoA: 0.87% vs 0.78% QoQ Profit & Loss items. PAT: Rs1,242Cr ↑ 20% QoQ RoE: 7.37% vs 6.26% QoQ Key Financial Metrics for Q2 FY27 Balance Sheet Loans Deposits Borrowings Net worth Total Assets ₹ 3,63,104crs ₹ 4,28,832crs ₹ 53,781crs ₹ 65,985crs ₹ 5,80,148crs 11% YoY 11% QoQ 10% YoY 3% QoQ 19% YoY 23% QoQ 6% YoY 2% QoQ 10% YoY 5% QoQ CRAR Net NPA Liquidity Coverage Ratio Provision Coverage Ratio Book Value Per Share 16.59% 0.83% 127% 70% ₹ 847 (51)bps YoY (56)bps QoQ (21)bps YoY (12)bps QoQ (4)% YoY 0% QoQ (162)bps YoY (123)bps QoQ 6% YoY 2% QoQ Profit & Loss Net Interest Income Total Other Income Operating Profit Provisions & Contingencies Net Profit ₹ 4,569crs ₹ 2,248crs ₹ 2,874crs ₹ 1,223crs ₹ 1,242crs 4% YoY (2)% QoQ 36% YoY 26% QoQ 40% YoY 4% QoQ (54)% YoY (12)% QoQ NM YoY 20% QoQ PPOP to Avg Loans Provisions to Avg Loans Return on Assets Return on Equity Earning Per Share 3.29% 1.40% 0.87% 7.37% ₹ 63.8 80bps YoY (20)bps QoQ (181)bps YoY (34)bps QoQ 41bps YoY 9bps QoQ 367bps YoY 111bps QoQ NM YoY 20% QoQ *All P&L ratios are annualized. Consolidated Balance Sheet (End of Period) ₹ crs Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) Capital & Liabilities Capital 779 779 - 779 - Reserves and Surplus 67,142 64,279 4% 66,049 2% Deposits 4,28,832 3,89,600 10% 4,14,766 3% CA Deposits 36,742 31,916 15% 34,620 6% SA Deposits 83,024 87,854 (5)% 87,440 (5)% Borrowings 53,781 45,350 19% 43,864 23% Other Liabilities and Provisions 29,614 27,481 8% 29,467 0% Total 5,80,148 5,27,490 10% 5,54,926 5% Assets Cash and Balances with RBI 18,073 25,585 (29)% 33,766 (46)% Balances with Banks 44,862 14,193 216% 32,835 37% Investments 1,06,391 1,24,008 (14)% 1,14,802 (7)% Advances 3,63,104 3,25,881 11% 3,26,274 11% Fixed Assets 2,518 2,578 (2)% 2,515 0% Other Assets 45,200 35,246 28% 44,733 1% Total 5,80,148 5,27,490 10% 5,54,926 5% Consolidated Profit and Loss Account – Q2FY27 and H1FY27 ₹ crs Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) H1FY27 H1FY26 Y-o-Y (%) Net Interest Income 4,569 4,409 4% 4,685 (2)% 9,254 9,049 2% Other Income 2,248 1,651 36% 1,787 26% 4,034 3,808 6% Total Income 6,817 6,061 12% 6,471 5% 13,289 12,857 3% Operating Expenses 3,943 4,013 (2)% 3,698 7% 7,641 8,243 (7)% Operating Profit 2,874 2047 40% 2,773 4% 5,648 4,615 22% Provisions & Contingencies 1,223 2,631 (54)% 1,384 (12)% 2,607 4,391 (41)% Profit /(Loss) before Tax 1,652 (584) NM 1,389 19% 3,041 223 NM Provision for Tax 410 (147) NM 352 16% 762 56 NM Profit/(Loss) after Tax 1,242 (437) NM 1,037 20% 2,279 167 NM 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% 4,20,0Y0o0Y QoQ 120% YoY QoQ 100% 4,10,000 100% 80% 4,00,000 80% 43% 41% 42% 43% 43% 70% 70% 70% 70% 72% 60% 3,90,000 60% 40% 3,80,000 40% 57% 59% 58% 57% 57% 20% 23% 23% 22% 22% 20% 3,70,000 20% 7% 7% 8% 8% 7% 0% 3,60,000 0% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 CA SA TD Retail Wholesale 1 0 % 1 1 % (2)% (2)% 3 ,8 4 ,1 6 6 3 ,7 9 ,1 3 9 3 ,8 1 ,4 5 8 3 ,8 3 ,8 0 7 4 ,1 1 ,9 7 4 7 % 4 % 7% 7% 3 , 2 5 , 0 1 5 3 , 1 9 , 8 6 0 3 , 1 2 , 9 0 9 3 , 1 8 , 5 6 4 3 , 4 6 , 1 3 8 Building a Granular and Cost-Efficient Liabilities Franchise Retail + SBC Deposit as per LCR Definitions – Average (₹ crs) Cost of Deposits (%) 12% YoY 6.23% 6.09% 6.07% 5.93% 5.96% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cost of SA 4.90% 4.88% 4.89% 4.67% 4.64% Share of Certificate of Deposits (% of Total Deposits) Borrowings Constituted by Long Term Sources bps YoY bps QoQ (311)bps YoY bps QoQ ( 2 6 2 ) (27) 2,50,000 55.0% 2,01,780 53.0% 1,90,166 3 1,80,475 1,80,113 1,82,898 2,00,000 51.0% 49.0% 49.5% 1,50,000 49.0% 47.0% 47.9% 47.5% 45.0% 47.0% 1,00,000 43.0% 41.0% 50,000 39.0% 37.0% - 35.0% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Retail & SBC Deposits % Share of Total Short-Term FCY Borrowings (< 12 months) Refinance from 6.4% 6.1% 6.2% 27% Development 5.9% Institutions Infrastructure Bonds 3.3% 3% Tier-II BONDS Long-Term FCY Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Borrowings 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 1.54lacs villages livelihood loans doorstep in remote areas Distribution Supported by Large Distribution Network Widespread Pan Regional Breakdown Geographical Breakdown India Footprint of Br [Showing first 8,000 characters — download PDF for full document]