NPA Composition - Consumer Finance

Initiatives for FY20 BFIL Merger Liabilities Surge Fee Growth Retail Asset Growth Merger consummation Scaling up liabilities & RDSP (Kirana Stores) pilot Digital / Alternate Channels • Pioneer - Banking for well-off Retailisation via Household acquisition ramp-up • Non-Resident Indians Match liabilities growth with asset growth Productivity . . Distribution fees for wealth products Ramp up retail Trade & FX fees Continued market share gains in vehicle finance • LAP / BBG to accelerate . Calibrated growth on unsecured Para-banking · Superior Client Experience . Intensive collaboration with . FinTech ecosystem • Scale up digital sourcing of assets & liabilities • · Cost efficient branch expansion . Robot based Process Automation Continued investments in Talent and Technology 30 80 . Corporate Risk Management Unit Business level Portfolio Monitoring Unit Diversification by ticket size, geographies, sectors, tenure Specialization in select domains • Insurance (Life & General) • Asset Management . • Retail Broking . Regulatory clarity awaited IndusInd Bank

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