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

Q2 - FY20 Performance Highlights Q2 FY 20 marked by strong growth in headline numbers; Consolidated PAT at Rs. 1401 crs up by 52% Strengthened Balance Sheet by improving PCR from 43% to 50% with accelerated provisions of Rs. 355 crs Q2 PAT without accelerated provisions at Rs. 1,667 crs up by 81% YoY and 16% QoQ ➤ Revenue growth of 32% YoY; Core fee up by 21% YoY; NIM up by 5 bps to 4.10% Credit growth up 21% and Deposit growth up 23%, well above industry growth ➤ Loan book quality stable ; GNPA at 2.19% and NNPA at 1.12% ➤ Credit Cost for Q2 at 18 bps, SMA2 at 58 bps Client base touches 23 million; on boarded 2 million during the quarter Strong Capital Adequacy with CRAR at 15.77% (incl H1 FY20 Profits) 2 IndusInd Bank

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