IndusInd Bank Financial Performance Report
Behavioural Scoring affirms quality of Vehicle Financing Portfolio
Vehicle Finance Portfolio-wise Risk Distribution - Jun'19
post
60%
Behavioural Score (B-score)
measures
disbursement credit quality
using long range historical
data.
B-score assesses
every
borrower risk using Current
and Historical DPD, LTV,
Geography, Loan
tenor,
Customer type, etc.
B-score is used for
credit /
portfolio
quality
assessment,
improving
collection efficiency, cross-
sell and is a lead indicator of
credit cost.
Population %
50%
MHCV
CAR-UTILITY
CONSTRN
LCV
SCV
TW
40%
WARS: 1.82
30%
20%
10%
0%
Risk Ladder
INSIGNIFICANT
1
LOW
2
* WARS Scale
MODERATE
3
* On a scale of 1 (least risk) to 6 (high risk)
Q-o-Q Movement in Weighted Average Risk Score (WARS):
ACCEPTABLE
4
HIGH
5
DEFAULT
6
Quarter
Mar'17
WARS
1.82
Jun'17
1.89
Sep'17 Dec'17
Mar'18
Jun'18
Sep'18
Dec'18
Mar'19
Jun'19
1.89
1.84
1.73
1.77
1.80
1.82
1.75
1.82
18
18
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