Induslnd Bank

March 8,2019

'Ihe Asst. Vice President 'I'hc Dcputy Gcneral Manager

Listing Department Corporatc RelationshiP DePt'
National Stock Exchangc of India Ltd' llsll Ltd.
Exchange Plaza, 5th Floor 1't Floor, New Trading Ring
Plot No.C/1, G Block Rotunda Building, P' J. Towers
Bandra-Kurla ComPlex Dalal Street, Fort
Bandra (East), Mumbai * 400 051
Mumbai - 400 001

NSI) Symbol: INDIISINDIIK IISE Scrip Code: 532187

Madam / Dear Sir,

We enclose herewith a copy of the presentation on Sustainability'

uploaded on the
A copy of this letter along with the presentation on Sustainability is being
website of the Bank at www.indusind.com'

Thanking you,

Yours faithfully,
For Induslnd Bank Ltd.

I,//
lr )S+ Secretary
vL/->.
I Compahy
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Induslnd Bank Limited, Building No. T, solitaire corporate parlg AndherF Ghatkopar Link Road,
Chakala, Andheri E, Mumbai - 400 093, India: Tel: (0022) 66412200

Registered Office: 2401 Gen. Thimmayya Road, pune 4l I OOt, |ndia

Tel.: (020)
26343201 Fax: (020) 2634 3241 Visit us at www.indusind.com
CIN: 1651 9l PNI 994P1C076333
Sustainability at IndusInd

March 2019
CEO’s Message
We are committing to the Are we creating Companies that align with all Societal
changes articulated here to goals? The clear answer is “no”; but there is a nascency
sustain IndusInd Bank as a in this direction aided by initiatives from Government,
brand that earns the respect of Regulators, Customers, Employees, Investors and
all stakeholders. We are others. We have always believed that “Good Ecology is
committed to being a more Good for Business”. Ultimately development of our
compliant, transparent and brand must have an inclusive agenda for it to be
responsible institution. Also, we sustainable.
wish to set an example for
others in several areas where IndusInd Bank has not only started this journey early
exemplary work has been done, with 8 years of Sustainability reporting, but is also the
for example, in the area of only Bank and amongst only 5 companies in India that
creating livelihoods which have an “A” rating under the Carbon Disclosure Project;
represents 40% of our loan this “A” category rating has been received 4 years
portfolio. running. We are committed to fast forward our
Sustainability agenda and this presentation serves to
lay out some future aspirations across Environmental,
Social and Governance metrics; progress on which will
Romesh Sobti be reported in the public domain.
Managing Director & CEO
Good Ecology is Good for Business
Sustainability Consistently at the Core of IBL
Planning Cycle 4

• Integrated Reporting
Planning Cycle 3 • Client Experience Project
• Impact Financing &
• CSR Committee of the Board Partnerships
Planning Cycle 2 • YIF2 Scholarship Program • ESG Targets and
• Legal Literacy for Women Disclosure
• Signatory to Carbon • Sports Engagement Vertical
Disclosure Project
• Water Management
Planning Cycle 1 • Employee Participation in
Community Service
• My Idea Portal • Sustainability Reporting
• Hum Aur Hariyali1
• Solar – ATMs and Rooftops
• ESOP Scheme
1. Our Green Office Project for Environment & Society
2. Young India Fellowships in social sector
Livelihood Financing

Agriculture & related Small & Micro

supply chains Enterprises

Focus Areas

Vehicle Owner Microfinance

Operators for Women
Sustainability in Organisational Development

• Clear Organizational Structure

Governance • Meticulous Focus on Compliance

• ESMS* Filters Business Employees • Career Progression Plans

• Affirmative Lending • Diversity Initiatives

• Server Virtualization Digital Physical • Solar ATMs | Rooftop Solar Panels

• Partnerships Operations Operations • Reduction in emissions intensity

* Environment & Social Management System Policy

Sustainability in Community Development

• Financing Livelihoods
Customers • Client Experience

• Affirmative capital allocation:

green tech, clean tech, etc. Impact • Legal Literacy
Society
Financing • Health & Sanitation

• Girl & Para athletes • Afforestation

• Blind Cricket
Sports Environment • Water Conservation
Disclosures and Recognition for ESG
Sustainability Reporting for 8 years

The 2017-18 Integrated Report prepared in line

with the framework adopted by the International
Integrated Reporting Council and is available by
scanning the QR code >>>
Integrated Report Summary 2018

10
CDP Leadership for 4 years

IndusInd Bank is amongst five Indian companies and the only bank in the CDP “A LIST” !
Awards and Recognition
Golden Peacock Award CSR
CSRJournal
JOURNALThe
THEExcellence
EXCELLENCEAward
for Innovation
Golden Peacock Award for 2017
AWARD 2017
Management 2015 2015
Innovation Management Excellence Award 2017 in the 'Sports'
Excellence Award
category for 2017
the Para in the
Champions
Presented
Presented atat
1515 th London
th London Global Programme',
‘Sports’ in association
category with
for the Para
GoSports Foundation
Convention
Global on Corporate
Convention on Champions Programme, in
Governance &
Corporate Sustainability&
Governance association with GoSports
Sustainability Foundation

Honoured with the CNBC Bagged

Best Bank the Best Bank
in Private in Award
Sector
Honoured with the CNBC
Asia’s Corporate Asia’s Corporate
Social Private Sector Award and
Social Responsibility Award
and BestBest
CSR Practice under
CSR Practice under
Responsibility Award 2017 BankingBanking
Category Award
Category Award
at ABP News BFSI Awards
2017
ABP News BFSI Awards 2017
Awards and Recognition

Dream Employer of the Year – BFSI

ET NOW : “Dream Companies To

work for – 2019”
ESG Projects and Impact
Environmental Initiatives
Afforestation Water Conservation
Environmental Projects’ Outcome
Themes: Biodiversity, Climate Change, Pollution Management , Supply Chain, Water Security

• 10,000+ trees planted

Afforestation
• 48 different species at over 20 urban/peri-urban locations

E-Waste management • Recycled over 20,000kg through authorised vendors

• <34% of waste going to landfill vs 100% before

Energy Reduction Initiatives • Greening out IT, Buildings, Branches, Servers

• GHG Emissions Saved: 2227.96 MT CO2

• Enhanced water storage capacity – 97.5 million litres

Water Conservation
• 110 Hectares of Land Area covered, impacting close to 100,000 occupants

• Migration of CP letter heads to 100% recycled paper

Paper Procurement
• Have migrated ~ 13.68MT of A4 paper, saving 14.1MT of CO2 emissions
Social Projects through deep partnerships
Legal Literacy Program for Women IndusInd Para-Champions Program
Social Outcomes
Themes: Customer Responsibility, Health & Safety, Human Rights & Community, Supply Chain

IndusInd Para • 32 Para-athletes represented India for events in Switzerland, London & Korea
Champions • Supports India’s 26 member blind cricket team, winners of ODI world cup 2018

Legal Literacy for • Educated >45,000 women on their legal rights

Women & Children • MFI partnership to educate 5,000 underprivileged children in UP/Jharkhand for
higher education & employability

Transforming Lives • Training to 200,000 village level entrepreneurs to use mobile / internet for financial
through Digitization transactions in collaboration with Ministry of Electronics & Information Technology.

Promoting Healthcare • Partnered with BMCHRC (Cancer Hospital) to support treatment of children under
Access 14 affected with cancer
• Partnered with non profit MFI to set up 177 health clinics

IndusInd Scholarship: • Supported 60 scholars to date, majority of whom are women. Program active in 13 states
Ashoka University
Governance Structure

CSR &
Sustainability • Agree, Review and Evaluate sustainability strategy of the Bank
Committee of • Provide industry perspective to sustainability agenda of the Bank
Board

• Sustainability strategy, goals and performance

Sustainability
• Align sustainability policies with the Business Units
Council
• Review compliance with respect to Sustainability

• Management and implementation of strategies

Sustainability
• Dedicated Head of Sustainability to drive agenda
Team
• Business and Functional coordination
 Leading ESG Innovation with Bharat Financial Inclusion
IBL is innovating using the RDSP Model, creating a paradigm shift in client connect producing a multitude of opportunities
1 Bank/ATM for cash deposit and withdrawal, travels 5-8 kms, spending up to 2 hrs.

2 80% of BFIL’s members travel for electricity bill payment, traveling 2-5kms spending 1 hr.
Currently

Travels 3 88% of BFIL’s members visit Kirana Store for ration items, travelling less than 0.5km,
To spending 15-20 mins
4 99% of BFIL’s members visit electronics store for mobile recharge, traveling 1-5 kms,
spending up to 30 mins.
5 51% travel to municipal office for water/bill payment, traveling 1-5 km, spending 30 mins
6 Only 5% of customers reported access to online shopping
RDSP provides access to these services at the shortest distance eliminating need for multiple visits

Deposits and Withdrawal

With RDSP

Bill payments and recharges Single Window

Travels for all
1
To Allied and OTC financial services requirements
0.5 km
Cross-sell and e-commerce

RDSP = Retail Distribution Service Point (pic. above); tablet enabled convenience store
Widespread CSR Footprint
ESG Targets for FY 2021
ESG Themes Linked to Business Plan

Advances Social and Increases funding avenues for

Relationship Capital, creating Financial Capital, lowering
livelihoods and customer loyalty Key Themes funding cost

• Financing Livelihoods
• Impact Financing
• Carbon Footprint Reduction
• Community Development
Reduces investment in physical
Imbibes sustainable operations • Governance branches bringing efficiency in
preserving Natural Capital • ESG Ratings Manufactured Capital
• Diversity
• Employee Engagement
• Customer Experience
• Government Schemes
Improves Human Capital, via • Partnerships Bolsters Intellectual Capital, via
employee retention and domain expertise and brand
performance recognition
Environmental Targets

FY18 FY21

Affirmative Green & Impact Lending portfolio

5% of loans through distinctive lending themes *
<1% of loans

GHG Emissions Intensity and E-footprint

15% reduction to 4.4 MT CO2/Cr. Rev
GHG: (Scope 1&2): 5.2 MT CO2/Cr. Rev

Participation in Green Indices Maintain A-Rank or higher in CDP

A- Rank in CDP (Carbon Disclosure Project) Submit to DJSI with a score >70

Sustainable Procurement in Supply Chain 80% of vendors have ESG policies in place
Some Vendors exhibit sustainability practices Vendor sustainability assessments in place

* Voluntary commitment to the Ministry of New & Renewable Energy, Government of India,
to finance 2000 MW of Renewable Energy projects
Social Targets

FY18 FY21

Livelihood/Inclusive Financing Portfolio

45% of all loans
~40% of all loans

Women Participation in Workforce

Expand to 22%
19% in line with peer private sector banks

Employee engagement to aid motivation & Employee engagement with

productivity - Internal Initiatives external benchmarking

Participation in Community and Outreach Activity: In Addition: Bank wide volunteering

Green Champions of 10hr/staff & E Learning (on Sustainability)
Governance Targets

FY18 FY21

Corporate Governance Score Rating Corporate governance score in a

Not participated Leadership Category

ESMS Lending Filters Expand ESMS to cover all Corporate loans

ESMS filters implemented with external assurance

ESG Disclosure and Integrated Reporting Have external accredited agencies verify ESG /
Published but no external assurance Integrated Reports & disclosures

Formulation and Compliance to ESG Policies and

External Disclosure of ESG Policies
CDP Program -Internal Disclosures
Disclaimer
This presentation has been prepared by IndusInd Bank Limited (the “Bank”) solely for information purposes, without regard to any specific objectives,
financial situations or informational needs of any particular person. All information contained has been prepared solely by the Bank. No information
contained herein has been independently verified by anyone else. This presentation may not be copied, distributed, redistributed or disseminated, directly
or indirectly, in any manner.
This presentation does not constitute an offer or invitation, directly or indirectly, to purchase or subscribe for any securities of the Bank by any person in
any jurisdiction, including India and the United States. No part of it should form the basis of or be relied upon in connection with any investment decision
or any contract or commitment to purchase or subscribe for any securities. Any person placing reliance on the information contained in this presentation
or any other communication by the Bank does so at his or her own risk and the Bank shall not be liable for any loss or damage caused pursuant to any act
or omission based on or in reliance upon the information contained herein.
No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness
of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this
presentation. Further, past performance is not necessarily indicative of future results.
This presentation is not a complete description of the Bank. This presentation may contain statements that constitute forward-looking statements. All
forward looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those
contemplated by the relevant forward-looking statement. Important factors that could cause actual results to differ materially include, among others,
future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions. Given these risks,
uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Bank
disclaims any obligation to update these forward-looking statements to reflect future events or developments.
Except as otherwise noted, all of the information contained herein is indicative and is based on management information, current plans and estimates in
the form as it has been disclosed in this presentation. Any opinion, estimate or projection herein constitutes a judgment as of the date of this presentation
and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Bank may alter, modify or
otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. The accuracy of this
presentation is not guaranteed, it may be incomplete or condensed and it may not contain all material information concerning the Bank.
This presentation is not intended to be an offer document or a prospectus under the Companies Act, 2013 and Rules made thereafter , as amended, the
Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended or any other applicable law.