NPA Composition - Consumer Finance

Behavioural Scoring affirms quality of Vehicle Financing Portfolio Vehicle Finance Portfolio-wise Risk Distribution - DEC'19 50.0% MHCV CAR-UTILITY CONSTRN LCV -SCV ■TW 40.0% WARS: 1.86 Behavioural Score (B- score) measures post [ disbursement credit I 60.0% quality using long range historical data. B-score assesses every borrower risk using Current and Historical | DPD, LTV, Geography, I Loan tenor, Customer type, etc. B-score is used for credit portfolio quality | assessment, improving I collection efficiency, cross-sell and is a lead indicator of credit cost. Risk Ladder *WARS Scale Population % 30.0% 20.0% 10.0% 0.0% INSIGNIFICANT LOW 1 2 MODERATE 3 • On a scale of 1 (least risk) to 6 (high risk) ACCEPTABLE HIGH 4 5 DEFAULT 6 Q-o-Q Movement in Weighted Average Risk Score (WARS): Quarter Sep'17 Dec'17 Mar'18 Jun'18 Sep'18 Dec'18 Mar’19 Jun’19 Sep'19 Dec'19 WARS 1.77 1.80 1.82 1.75 1.82 1.86 1.86 1.89 1.84 1.73 17 IndusInd Bank

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