Strong Profitability and Financial Inclusion

Movement in Non-Performing Assets Q1FY24 Q4FY23 In crs Corporate Consumer Total Corporate Consumer Total Opening Balance 2,069 3,757 5,826 1,869 3,842 5,711 Fresh Additions 43 1,333 1,376 264 1,339 1,603 -from Standard 43 1,201 1,244 82 1,162 1,244 -from Restructured 132 132 182 177 359 Deductions 124 1,137 1,261 63 1,424 1,487 -Write-offs 19 701 720 569 569 -Upgrades 12 87 99 47 181 228 -Recoveries * 93 349 442 16 674 690 Gross NPA 1,989 3,952 5,941 2,069 3,757 5,826 Net NPA % of Gross NPA % of Net NPA Provision Coverage Ratio (PCR) Restructured Advances 1,747 1,715 1.94% 1.98% 0.58% 0.59% 71% 71% 0.66% 0.84% *Q1 FY24 Sale to ARC is Rs. 163 crs (Q4 FY23 Sale to ARC is 278 crs) 26 IndusInd Bank

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