Planning Cycle 4 (2017-2020) - Plan vs Outcome/Top line momentum/Well Diversified Loan Book

Credit Cost FY15 FY16 FY17 FY18 FY19 Q1FY20 (Rs Crs) Q2FY20 HY FY20 Corporate Bank Consumer Finance 144 258 401 468 2,134 67 101 168 195 244 303 433 585 237 262 499 Gross Credit Costs 339 502 704 901 2,719 304 363* 667* Gross Credit Costs 49 57 62 62 146 16 18* 34* (Basis Points on Advances) Net Credit Cost 323 468 672 856 2,689 293 348* 641* Net Credit Costs (Basis Points on Advances) 48 53 59 59 144 15 18* 33* PCR 63% 59% 58% 56% 43% 43% 50% 50% * Excluding accelerated provision of Rs. 355 crs (18 bps) 49% 43% 48% 58% 55% 78% 72% 75% 51% 57% 52% 42% 45% 22% 28% 25% FY15 FY16 FY17 FY18 FY19 Corporate Loan Book Q1FY20 Q2FY20 HYFY20 Consumer Finance Loan Book 23 33 IndusInd Bank

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