Indusind presentation

Corporate Presentation
October 11, 2017

IndusInd Bank – Building Scale with Profitability
Strength Growth Returns
 CRAR at 16.18%; CET1 at 14.28%
 Strong Asset Quality with impaired assets
proportion amongst the lowest in Indian banks;
Net NPAs at 0.44%
 In top decile on productivity, profitability and
efficiency parameters in Indian banking industry
3 Year CAGR For FY17 Q1FY18 (YoY)
 Loans 27% 24%
 Deposits 28% 31%
 Revenue 29% 26%
 Profits 27% 26%
 Networth 33% 17%
 RoA = 1.86%
 RoE = 16.17%
 NIM = 4.00%
Note: Data as of June 2017
2
Revenue(Rsmn) Net Profit (Rsmn) Total Assets(Rsbn)
47,812
58,241
78,135
1,02,341
FY14 FY15 FY16 FY17
14,080
17,937
22,865
28,679
FY14 FY15 FY16 FY17
870
1,091
1,429
1,787
FY14 FY15 FY16 FY17
CAGR of 29% CAGR of 27%
CAGR of 27%

Performance – Benchmarked with Peers
 IBL performance has been amongst the best in the peer group.
Note: Five largest Private and Public Sector Banks based on loans are considered as peers.
Data as of FY17. (Banks’ nomenclature not in any particular order)
3

Overview of the Bank
 Leading private sector bank and financial services company in India
 Incorporated in January, 1994; Current customer base of ~9.5 million (2)
 Pan India presence through a network of 1210 branches and 2,090 ATMs(2)
 Diversified loan book – Split between Corporate & Commercial Banking and
Consumer Finance at 60% and 40% respectively(2)
 Enterprise-wide Risk Management framework for effective management of
risks
 Total Assets of over Rs 1,906 bn and Market Cap of over Rs 1,000 bn(2)
Shareholding (1)
1. As on June 30, 2017
2. As on Oct 05, 2017
4
Promoters, 14.97
MFs / Banks/
Insurance Co,
12.68
FIIs, 43.10
Private
Corporates,
10.08
Individuals, 6.67
NRIs/ Director/
Others, 1.69 GDR issue,
10.81

Ratings
 CRISIL AA + for Infra Bonds program
 CRISIL AA for Additional Tier I Bonds program
 CRISIL A1+ 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
5

Organization Structure
Product Groups
Client Groups
Consumer Banking Corporate Banking
Consumer Finance
Retail Liabilities
Corporate & Investment Banking
Commercial Banking
Business Banking
Public Sector Unit
Banking Channel Management
& Services
Wealth Management &
Third Party Distribution
Global Markets Transaction Banking
BusinessUnits
Financial Institutions Group
Credit Cards
6

Investment Highlights
 Universal Banking Offerings
 Growing Liability and Fee Franchise
 Focused Execution on Risk, Operations and Portfolio
Well Defined Expansion Strategy
 History of Technology Refresh and Innovation
 Stable Asset Quality
 Experienced Management Team
1
2
3
4
5
6
7
7

Planning Cycle 4 Strategy
Well Defined Expansion Strategy1
Market Share with Profitability
Do More of the Same
Strategy
Digitize to Differentiate, Diversify
and Create Domain Leadership
BroadThemes
Financing Livelihoods
Finding Customers from Within
Reengineering Our Businesses
Sustainable Banking
8

Strategic Themes
Internal
Collaboration
and Cross Sell
Enriching
Client
Experience
Digitization
of Businesses
Focus on
Productivity
Sustainability
Rebalancing
of Loan Book
Rural
Banking and
Microfinance
9

Pillars of Growth
CASA Ratio
Revenue Growth
RoRWA
Branch Network
Loan Growth
40%
Exceed Balance Sheet
Growth
> 2.4%
2,000
25% - 30%
Resultingin
Customer Base Double to >20mn
10

The Core Executive Team
Experienced Management Team2
Name Designation Prior Experience
Mr. Romesh Sobti Managing Director & CEO Over 40 years banking career with ABN AMRO Bank N.V., ANZ Grindlays Bank Plc & State Bank of India
Mr. Paul Abraham Chief Operating Officer Managing Director of ABN AMRO Central Enterprise Services
Mr. Suhail Chander Head – Corporate & Commercial Banking Head – Consumer & Commercial Banking, ABN AMRO Malaysia & Singapore
Mr. Sumant Kathpalia Head – Consumer Banking Head – Consumer Banking, ABN AMRO Bank (India)
Mr. Kalpathi Sridhar Senior Executive Vice President - Risk Senior Vice President and Country Risk Officer, ABN AMRO Bank (India)
Mr. Ramaswamy Meyyappan Chief Risk Officer Chief Risk Officer at JP Morgan Chase Bank NA, Mumbai
Mr. S.V. Zaregaonkar Chief Financial Officer Joined IndusInd Bank in 1995 as Head – Operations; Chief Manager Dena Bank
Mr. Arun Khurana Head – Global Markets Group Regional Head Corporate Solutions Asia-Pacific Markets of RBS Singapore
Mr. S.V. Parthasarathy Head – Consumer Finance Executive Director, Ashok Leyland Finance Limited
Mr. Ramesh Ganesan Head – Transaction Banking Executive Director, ABN AMRO Bank (India)
Mr. Sanjay Mallik
Head – Investor Relations
& Strategy
Director, BROTKO, his own financial services firm; Held prior positions at ANZ Bank, ABN AMRO Bank
(India) and Standard Chartered Bank
Ms. Roopa Satish
Head, Corporate, Institutions & Investment
Banking
Head – Mid Markets (Western Region), ABN AMRO Bank (India)
Mr. Sanjeev Anand
Deputy Head – Corporate
& Commercial Banking
Head – Commercial Banking, ABN AMRO Bank (India)
Mr. Zubin Mody Head – Human Resources Head – HR, ICICI Lombard General Insurance Company Limited
11

Performance Across Key Financial Vectors
Experienced Management Team2
QIP & Pref. Allot.
Rs 5,081 crs
3.71
3.99
2014 Current
NIMs (%)
1.81
1.86
2014 2017
RoA (%)
17.48
15.26
2014 2017
RoE (%)
47.1 46.7
2014 2017
Cost / Income (%)
12
0.33
0.39
2014 2017
Net NPAs (%)
3.0
4.0
2014 2017
Revenue per Employee (Rs mn)

Well Diversified Loan Book
Universal Banking Offerings3
Loan Book (Rs crs)
(Rs crs)
(Rs crs)
13
45% 41% 42% 40% 40% 48%
55%
59%
58%
60% 60% 52%
55,102
68,788
88,419
1,13,081 1,16,407 1,16,407
FY14 FY15 FY16 FY17 Jun-17 Jun-17
(BBG forming part of
Consumer)Consumer Finance Division Corporate & Commercial Banking
BBG
7%
Comm. Vehicle
Loans
13%
Utility
Vehicle
Loans
2%
Small
CV
2%
Two Wheeler
Loans
3%
Car Loans
4%
Tractor
2%
Equipment
Financing
4%
Credit Card
2%
Loan
Against
Property
6%
BL,PL,GL
3%
Large
Corporates
21%
Mid Size
Corporates
19%
Small
Corporates
12%
Consumer Finance Jun-17
Comm. Vehicle Loans 15,573 13%
Utility Vehicle Loans 2,427 2%
Small CV 2,381 2%
Two Wheeler Loans 3,262 3%
Car Loans 4,819 4%
Tractor 2,076 2%
Equipment Financing 4,381 4%
Credit Card 1,944 2%
Loan Against Property 7,303 6%
BL, PL, GL, Others 2,929 2%
Total Advances 47,095 40%
*Includes Business Banking
Rs. 8,202 crs managed by
Consumer Banking
Corporate
Banking
Jun-17
Large
Corporates
33045 28%
Mid size
Corporates
22649 20%
Small
Corporates*
13618 12%
Total
Advances
69,312 60%

Well Distributed Vehicle Finance Portfolio
14
Andhra Pradesh
6%
●Assam
2%
●Bihar 2%
Chandigarh 0% ●
●Chhatisgarh
3%Dadra & Nagar
Haveli 0%
● Delhi
2%
Goa 1% ●
●Gujarat
5%
Haryana 5% ●
●Himachal Pradesh 1%
●J&K 0%
●Jharkhand
3%
Karnataka 4% ●
Kerala 9% ●
●Madhya Pradesh
5%
●Maharashtra 7%
● Mizoram 0%
●Odisha 4%
● Pondicherry 0%
Punjab 3% ●
Rajasthan 10% ●
●Uttaranchal 0%
●West
Bengal
5%
Sikkim 0%
●
●Tamil Nadu 11%
Tripura
1%
●UP 6%
●
●
Geographical Distribution of Vehicle Finance Portfolio (Rs 342,122mn)– March 31, 2017
Two Wheeler loans
Car loans
M&HCV loans
Small CV & Utility Vehicle loans
LCV Loans
●Telangana 5%
● Manipur, 0% Tractor Loans

Comprehensive Corporate and Commercial Banking Offering
15
Distribution of Corporate & Commercial Banking Network Product and Service Offerings
 Working Capital Finance
 Short Term Finance
 Bill Discounting
 Export Credit
 Term Lending
 Buyer’s Credit / Supplier’s Credit
 Asset based financing
 Lease Rental Discounting
 Supply Chain Finance
 Warehouse Receipt Finance
 Agri Finance
 Inclusive Banking
Non Fund
Based Services
Value Added
Services
 Letter of Credit
 Bank Guarantees
 Forward Contracts / Derivatives
 Channel Financing / Associate Financing
 Cash Management Services
 Corporate Salary Accounts
 Liability/ Investment Products
 Commodity Finance
 Project Finance
 Forex / Derivative Desks
Fund Based
Services
Andhra Pradesh
Assam
Bihar
Punjab
Chandigarh
Chhatisgarh
Gujarat
Haryana
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Orissa
Rajasthan
West
Bengal
Tamil Nadu
UP
●
Corporate & Institutions Banking
Public Sector Units
Business Banking Group
Commercial Banking
Goa
Tripura
Nagaland
Meghalaya
Pondicherry
Uttarakhand
HP
NonFund
BasedServices
 Structured Finance
 Debt Syndication
 Advisory Services
Investment
Banking
Telengana

Diversified Corporate Loan Book
16
8% 12% 16% 14% 14%
Q1FY15
Q2FY15
Q3FY15
Q4FY15
Q1FY16
Q2FY16
Q3FY16
Q4FY16
Q1FY17
Q2FY17
Q3FY17
Q4FY17
FCY
Corporate Banking FCY Loans *Industry Break-up
* Percentage of total loans

Improving CASA profile
Growing Liability and Fee Franchise4
CASA Uptick
Savings Account (SA)Current Account (CA)
11,563
15,868 19,691
25,300
32,724
46,646
27.3%
29.3%
32.5%
34.1% 35.2% 36.9%
10%
16%
21%
27%
33%
38%
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
50,000
FY12 FY13 FY14 FY15 FY16 FY17
CASA (Rs crs) % of Total Deposits
6,869
8,835 9,776
12,356
15,478
19,609
16.2% 16.3% 16.2% 16.7% 16.6%
15.5%
5%
7%
9%
11%
13%
15%
17%
19%
0
3,000
6,000
9,000
12,000
15,000
18,000
21,000
CA (Rs crs) % of Total Deposits
Building CASA traction
 Expanding branch network
 Focus on target market segments
 Government business
 Capital market flows
 Key Non Resident markets
 Self employed and Emerging Corporate businesses
 Transaction Banking and CMS Mandates
 Differentiated service propositions
4,694 7,033
9,915
12,944
17,246
27,037
11.1%
13.0%
16.4%
17.5% 18.5%
21.4%
-3.0%
1.0%
5.0%
9.0%
13.0%
17.0%
21.0%
25.0%
0
5,000
10,000
15,000
20,000
25,000
30,000
SA (Rs crs) % of Total Deposits
17

Efficient Distribution and Cross Sell
Life Insurance General Insurance Health Insurance Mortgage and Broking
18

Diversified Fee streams
 Fee growth ahead of loan growth for last 7 years
 Comprises a mix of retail and corporate fee incomes
 Individual fee streams consists of multiple drivers
Rs cr FY15 FY16 FY17
Trade and Remittances 265 323 439
Foreign Exchange Income 553 639 655
Distribution Fees (Insurance, MF, Cards) 385 491 715
General Banking Fees 171 185 232
Loan Processing fees 493 700 854
Investment Banking 334 472 594
Total Core Fee Income 2,201 2,810 3,489
19

Asset Quality Managed Across Cycles
Stable Asset Quality5
1.23%
1.01% 0.98%
1.03%
1.12%
0.81%
0.87%
0.93%
FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17
0.50%
0.28% 0.27%
0.31% 0.33% 0.31%
0.36%
0.39%
Gross NPA
Credit Cost *
0.79%
0.61%
0.41%
0.46%
0.41%
0.48%
0.53%
0.59%
Net NPA
* Net of recoveries 20

Well Rated Corporate Portfolio
Stable Asset Quality5
0%
2%
4%
6%
8%
10%
12%
14%
16%
18%
20%
22%
24%
IB1
(AAA)
IB2+
(AA+)
IB2 (AA) IB2-
(AA-)
IB3+
(A+)
IB3 (A) IB3- (A-
)
IB4+
(BBB+)
IB4
(BBB)
IB4-
(BBB-)
IB5+
(BB+)
IB5 (BB) IB5-
(BB-)
IB6 (B) IB7 (C ) IB8 (C ) NPA (D)
Unsecured Non Fund Based %
Secured Non Fund Based %
Unsecured Fund Based %
Secured Fund Based %
P
E
R
C
E
N
T
O
F
R
A
T
E
D
P
O
R
T
F
O
L
I
O
Investment Grade Sub Investment Grade
21
As of June 2017

Robust Risk Management Structure
Focused Execution on Risk, Operations and Portfolio6
 Risk and Control Self
Assessment
 Key Risk
Indicators(KRIs)
 Loss Data
Collection and
Analysis
 Risk Profiling of
branches
 Operational Risk
Assessment Process
for New Products
 Risk Events
Reporting
 Business Continuity
Plan
 Separate group
monitors non
performing loans
 Account-wise
monitoring &
recovery
mechanism
 Quality check on
entire credit process
 Tracking of credit
rating
 Tracking of
portfolio quality
 Proactive Monitoring
of Risk & exposures
 Daily valuation
 VaR & PV01
Based Limit
 Online monitoring of
Risk sensitivities
 Capital Charge on
Market Risk, CVA
Basel III Liquidity
Standards – LCR,
Liquidity Ratios
 Liquidity Gaps
monitoring – Daily
 Duration-based gap
approach
 Stress testing for
Liquidity, interest
and foreign exchange
risk
 ALM System / Fund
Transfer Pricing
 Risk Rating Models
revised and
benchmarked against
external rating
 Basel II & III
implementation
 Internal Capital
Adequacy
Assessment Process
(ICAAP)
 Stress testing
reinforced
 Portfolio
Management &
Credit Quality
Monitoring
reinforced
 Credit Risk values
measurement
reinforced – PD,
LGD, EAD
 Credit Appraisal/
Approval process
 Credit standards
tightened
 Credit Admin
reinforcedand
centralised in hubs
 Early warning
signals /
Exceptions
tracking
 Enhanced
monitoring
mechanism
22
Credit Approval &
Monitoring
Credit Risk
Management
Market Risk
Management & ALM
Operational Risk
Management
Financial
Restructuring &
Reconstruction
Credit Quality
Assurance & Loan
Review
Risk Organization

Comfortable Capital Adequacy
Rs cr Mar 15 Mar 16 Mar 17 June 17
Credit Risk, CVA and UFCE 76,718 99,360 1,22,036 1,21,926
Market Risk 4,356 5,462 6,669 8,499
Operational Risk 7,855 11,466 14,824 14,824
Total Risk Weighted Assets 88,929 1,16,288 1,43,529 1,45,249
CET 1 Capital Funds 9,975 17,350 20,125 20,734
AT 1 Capital Funds - - 1,000 2,000
Tier 2 Capital Funds 776 669 842 758
Total Capital Funds 10,751 18,019 21,967 23,495
CRAR 12.09% 15.50% 15.31% 16.18%
CET1 11.22% 14.92% 14.02% 14.28%
Tier 1 11.22% 14.92% 14.72% 15.66%
Tier 2 0.87% 0.58% 0.59% 0.52%
 Bank has maintained strong capital adequacy levels well in excess
of the minimum regulatory requirement
 Raised Rs 10 billion of Additional Tier I (AT1) bonds in FY17 and
again in April 2017 to augment the Tier I ratio and position itself
strongly for the next phase of growth
CRAR
23
12.3% 11.4%
13.8%
12.7%
11.2%
14.9% 14.7% 15.66%
3.6%
2.5%
1.6%
1.1%
0.9%
0.6% 0.6%
0.52%
15.9%
13.9%
15.4%
13.9%
12.1%
15.5% 15.3%
16.18%
FY11 FY12 FY13 FY14 FY15 FY16 FY17 Q1FY18
Tier I Tier II CRAR

Diversified Funding Sources
Funding Mix*
24
Net Worth
12%
CA Deposits; 11%
SA Deposits; 15%
Retail & SME TD;
19%
Public Sector Units
TD; 9%
Financial Institutions
TD; 10%
Corporate TD; 4%
Capital Markets TD;
2%
Refinance; 8%
Infra Bonds; 1%
AT1 Bonds; 1%
Other Borrowings; 3%
Other Liabilities; 5%
* Data as on March 2017
78% 76%
82%
83%
70
72
74
76
78
80
82
84
86
-
2,00,000
4,00,000
6,00,000
8,00,000
10,00,000
12,00,000
14,00,000
16,00,000
18,00,000
Q1FY15
Q2FY15
Q3FY15
Q4FY15
Q1FY16
Q2FY16
Q3FY16
Q4FY16
Q1FY17
Q2FY17
Q3FY17
Q4FY17
Q1FY18
Borrowings Deposits
Deposits & Borrowings Evolution

9.5%
9.7%
9.3%
9.2% 9.2%
9.1%
9.3%
9.4%
Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17
9,558
28,215
14,683
29,823
65.1%
74.2%
66.4%
70.7%
78.4%
81.1%
91.3%
94.6%
91.6%
Jun-15
Sep-15
Dec-15
Mar-16
Jun-16
Sep-16
Dec-16
Mar-17
Jun-17
HQLA (Rs cr) Net Cash Outflow (Rs cr) LCR (%)
Stable Liquidity and Leverage Profile
Liquidity Coverage Ratio
25
Basel III Leverage Ratio
Required >4.5%
Required >80%

Distribution Expansion to Drive Growth
Note: Numbers given above are total branches in each state.
This does not include Branch/Representative Office in London, Dubai and Abu Dhabi.
602
1,210
2014 Current
Branches
4.5
9.5
2014 Current
Clients (mn)
26

Sustainable Banking: Good Ecology is good Economics!
27
Regulatory
Compliance
 Operational Compliance
 Market Risk Management
 Liquidity Management
 AT-1 Capital Issuance
 IT & Information Security
 Reputation Risk
Management
 Strategic Risk
Management
Environmental
 Solar ATMs
 Thin Servers
 Waste Management
 Green champions
 LEEDs certified building
 Financing Renewable
Energy
 Afforestation Projects
Social
 Water rejuvenation
projects
 Micro Credit
 Rural Branches
 Para Champions
 Priority sector compliance
 Legal and Financial
literacy
 Critical care support
Governance
 Board Level CSR
Committee
 6 Years of Sustainability
Reporting
 Participation in CDP, DJSI
Surveys
 Environmental Lending
Policy
 Integrated Financial
Reporting
A

Innovation as a Service Differentiator
History of Technology Refresh and Innovation7
Channel
Innovation
Service
Innovation
Product
Innovation
Client
Experience Edge
28

Digitize to Differentiate, Diversify and Create Domain Expertise
History of Technology Refresh and Innovation7
29
 Integrated Digital Strategy to extract significant value (14% of 2020 profit) via:
1. Agility & Innovation as Service Differentiator
2. Operating Efficiency in Front & Back Office
3. Evolution to Online/Digital Channels
4. Partnering with the Digital Ecosystems
5. Improved Decision Making & Analytics
6. Transform to Digital Offerings
7. Re-skilling Staff on Digital Technologies

Balance Sheet
(Rs Crs)
31*In terms of RBI guidelines Repo / Reverse Repo under LAF is regrouped.
* Q1FY18 Q1FY17 Y-o-Y (%) Q4FY17 Q-o-Q (%)
Capital & Liabilities
Capital 599 596 1%  598 - 
Reserves and Surplus 20,902 17,786 18%  20,048 4% 
Deposits 1,33,673 1,01,768 31%  1,26,572 6% 
Borrowings 27,404 21,676 26%  22,454 22% 
Other Liabilities and Provisions 8,072 8,424 (4%)  8,976 (10%) 
Total 1,90,650 1,50,250 27%  1,78,648 7% 
Assets
Cash and Balances with RBI 6,415 5,224 23%  7,749 (17%) 
Balances with Banks 13,754 6,193 122%  10,879 26% 
Investments 42,147 33,240 27%  36,702 15% 
Advances 1,16,407 93,678 24%  1,13,081 3% 
Fixed Assets 1,360 1,276 7%  1,335 2% 
Other Assets 10,567 10,639 (1%)  8,902 19% 
Total 1,90,650 1,50,250 27%  1,78,648 7% 
Business (Advances + Deposit) 2,50,080 1,95,446 28%  2,39,653 4% 

Profit and Loss Statement
(Rs Crs)
32
Q1FY18 Q1FY17 Y-o-Y (%) Q4FY17 Q-o-Q (%)
Net Interest Income 1,774 1,356 31%  1,667 6% 
Other Income 1,167 973 20%  1,211 (4%) 
Total Income 2,941 2,329 26%  2,879 2% 
Operating Expenses 1,352 1,096 23%  1,307 4% 
Operating Profit 1,589 1,233 29%  1,572 1% 
Provisions &
Contingencies
310 230 34%  430 (28%) 
Profit before Tax 1,279 1,003 27%  1,142 12% 
Provision for Tax 442 342 29%  390 13% 
Profit after Tax 837 661 26%  752 11% 

Award Winning Brand / Franchise
34
Business Today
2016
“The Best CEO (BFSI)”
Mr. Romesh Sobti
Forbes India
2016
Forbes’ Super 50
Companies in India
BrandZ Top 50
WPP Plc & Milward Brown
2016
Ranked 12th Most
Valuable Indian Brands
Celent Model Bank
2017
Winner- Fraud
Management and
Cybersecurity

Disclaimer
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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.
Figures for the previous period / year have been regrouped wherever necessary to conform to the current period’s / year’s presentation. Total in some columns / rows may not
agree due to rounding off.
Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates.
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