NPA Composition - Consumer Finance

Well Diversified Loan Book Loan Book (Rs crs) 186,394 144,954 2,07,413 193,520 197,113 46% 46% 45% 61% 60% (Rs crs) Consumer Finance Dec-19 54% 39% 55% 54% 40% Vehicle Loans Comm. Vehicle Loans FY18 FY19 Jun-19 Sep-19 Dec-19 58,071 28% 24,977 12% FY18 and FY19 are not Consumer Finance Division Corporate & Commercial Banking Utility Vehicle Loans 4,264 2% comparable due to Small CV reclassification of BBG & MFI 3,560 2% (Rs crs) Corporate Dec-19 Banking Large 51,284 25% Corporates Mid size 39,677 19% Corporates Small 4,292 2% Corporates Total Advances 95,253 46% Large Corporates 25% Small Corporates 2% Two Wheeler Loans 5,296 3% Car Loans 7,336 3% Tractor 4,400 2% Mid Size Corporates 19% Vehicle Finance 28% Equipment Financing 8,238 4% Non-Vehicle Loans Business Banking Loan Against Property Credit Card 33,332 16% 11,460 9,539 4,576 2% 6% 5% Non Vehicle Retail 16% BL, PL, AHL Others Microfinance* 7,757 3% Total Advances *includes BFIL 20,757 10% 1,12,160 54% Microfinance 10% 13 IndusInd Bank

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