NPA Composition - Consumer Finance

Q3 - FY20 Performance Highlights Q3 FY 20 marked by robust growth in headline numbers Revenue growth of 29%; NII up by 34%; Fee up by 22% PPOP at Rs. 2,758 crs, grew by 30% YoY; PPOP / Assets of 3.83% amongst the industry highest Consolidated PAT at Rs. 1,309 crs up by 33% Q3 PAT without accelerated provisions at Rs. 1,497 crs up by 52% YoY ➤ NIM up by 5 bps to 4.15% QoQ (3.83% LY) Balance Sheet footage crosses Rs. 3 trillion Credit growth up 20% and Deposit growth up 23% Strengthened Balance Sheet by improving PCR to 53% with accelerated provisions of Rs. 251 crs ➤ Loan book quality stable; GNPA at 2.18% and NNPA at 1.05% Capital Adequacy stands at 15.43% (incl 9M FY20 Profits) Client base grew by 2 million to touch 25 million 2 Indusind Bank

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