IndusInd Bank Financial Overview

Behavioural Scoring affirms quality of Vehicle Financing Portfolio Vehicle Finance Portfolio-wise Risk Distribution - Mar'20 50.0% -MHCV CAR-UTILITY CONSTRN -LCV -SCV TW 40.0% WARS: 1.88 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 I 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 1 LOW 2 MODERATE 3 On a scale of 1 (least risk) to 6 (high risk) ACCEPTABLE 4 HIGH 5 DEFAULT 6 Q-o-Q Movement in Weighted Average Risk Score (WARS): Quarter Mar'18 Jun'18 Sep'18 Dec'18 Mar'19 Jun'19 Sep'19 Dec'19 Mar'20 1.73 1.77 1.80 1.82 1.75 1.82 1.86 1.86 1.88 WARS 20 20 IndusInd Bank

View entire presentation