NPA Composition - Consumer Finance

Profit and Loss Account - Q3FY20 (Rs Crs) Q3FY20 Q3FY19 Y-O-Y (%) Q2FY20 Q-0-Q (%) Net Interest Income 3,074 2,288 34% 2,909 6% Other Income Total Income 1,790 1,469 22% 1,727 4% 4,864 3,757 29% 4,636 5% Operating Expenses 2,106 1,640 28% 2,013 5% Operating Profit 2,758 2,117 30% 2,623 5% Provisions & Contingencies 1,044 607 72% 737 42% Credit Cost 576 338 70% 363 59% Others 468* 269 74% 374** 25% Profit before Tax 1,714 1,510 14% 1,886 (9%) Provision for Tax 405 525 (23%) 485 (16%) Profit after Tax 1,309 985 33% 1,401 (7%) Profit after Tax (excluding 1,497 985 52% 1,667 (10%) Accelerated provision) * Includes Rs. 251 crs of accelerated provisions ** Includes Rs. 355 crs of accelerated provisions 10 IndusInd Bank

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