NPA Composition - Consumer Finance

Loan Portfolio - Movement in NPA and Restructured Advances Opening Balance Additions Deductions Gross NPA Net NPA % of Gross NPA % of Net NPA Provision Coverage Ratio (PCR) Restructured Advances (Rs Crs) Q3FY20 Q2FY20 Corporate Consumer Total Corporate Consumer Total 2,932 1,438 4,370 2,903 1,297 4,200 1,237(1) 708 1,945 479 623 1,102 1,119(2) 618 1,737 450 482 932 3,050 1,528 4,578* 2,932 1,438 4,370* 2,173 2,203 2.18% 2.19% 1.05% 1.12% 53% 50% 0.06% 0.11% 2.27% 2.33% Restructured + Gross NPA to Advances *After sale to ARC Rs. 200 crs (Rs.103 crs) Note 1: Slippages above Rs 100cr include a Travel company (Rs 282cr), a Diversified Group from 3 Stressed Groups (Rs 250cr; fully recovered), a Paper company (Rs 177cr) Note 2: Deductions include Upgrades of Rs 187cr, Recovery of Rs 345cr, Sale to ARC of Rs 70cr and Write-offs of Rs 516cr (including Rs 250cr for the large infrastructure NBFC, which was classified as NPA in Q4FY19) 25 IndusInd Bank

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