Consolidated Financial Performance and Improved Deposit Profile

Loan Portfolio - Movement in NPA and Restructured Advances Rs cr Corporate Q4FY21 Consumer Q3FY21 Total Corporate Consumer Total Opening Balance 2,231 1,420 3,651 2,930 1,602 4,532 Proforma NPA as on Dec 31,2020 413 2,095 2,508 Proforma Opening Balance 2,644 3,515 6,159 Fresh Additions during Q4FY21 2,235 1,594 3,829 - Business as Usual Additions 336 1,594 1,930 - OTR / Technical Slippages Deductions -Write-offs -Upgrades -Recoveries Gross NPA Net NPA % of Gross NPA 1,899(a) 1,899 2,079 2,114 4,193 735 205 940 144 1,206 1,350 1,602 (b) 273 1,875 333 635 968 (c) 2,800 2,995 5,795 2,231 1,420 3,651(b) 1,477 464 2.67% 1.74% % of Net NPA 0.69% 0.22% Provision Coverage Ratio (PCR) Restructured Advances 2.01% (1.8% Pandemic Related) (a) Includes Rs 1,067 crores towards two groups in retail and construction and being restructured (b) Relates to the OTR/ Technical Slippages and upgraded during the quarter; balance OTR / technical slippages likely to be upgraded in Q1FY21 (c) Sale to ARC Rs. 830 crs (Nil); Net SR outstanding at 52 bps 75% 87% 0.76% 22 IndusInd Bank

View entire presentation