Consolidated Financial Performance and Improved Deposit Profile

Credit Cost FY18 FY19 FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 (Rs Crs) FY21 Corporate Bank Consumer Finance 468 2,134 1,893 907 419 238 542 2,106 433 585 1,136 259 201 187 2,044 2,691 Gross Credit Costs 901 2,719 3,029 1,166 620 425 2,586* 4,797 Gross Credit Costs 62 146 146 59 31 21 122 226 (Basis Points on Advances) Net Credit Cost 856 2,689 2,973 1,157 602 407 2,574 4,740 Net Credit Costs (Basis Points on Advances) PCR 59 144 144 58 30 20 121 223 56% 43% 63% 67% * Of which Rs. 1,535 crores of standard provisions reclassified as credit costs towards prof-forma NPAs as of Dec-2020 77% 87% 75% 75% 22% 38% 32% 44% 48% 55% 56% 79% 78% 62% 68% 56% 52% 44% 45% 21% FY18 FY19 FY20 Corporate Loan Book Q1FY21 Q2FY21 Q3FY21 Q4FY21 FY21 Consumer Finance Loan Book 21 IndusInd Bank

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