Bridging the Financial Inclusion Gap

Movement in Non-Performing Assets Q3FY23 Q2FY23 In crs Opening Balance Corporate Consumer Total Corporate Consumer Total 2,251 3,316 5,567 2,492 3,441 5,933 Fresh Additions 119 1,348 1,467 179 1,393 1,572 -from Standard 80 1,055 1,135 66 926 992 -from Restructured 39 293 332 113 467 580 Deductions 501 822 1,323 420 1,518 1,938 -Write-offs 314 481 795 287 881 1,168 -Upgrades 71 104 175 46 183 229 -Recoveries * 116 237 353 87 454 541 Gross NPA 1,869 3,842 5,711 2,251 3,316 5,567 Net NPA % of Gross NPA % of Net NPA Provision Coverage Ratio (PCR) Restructured Advances 1,681 1,584 2.06% 2.11% 0.62% 0.61% 71% 72% 1.25% 1.49% *Q3 FY23 Sale to ARC is Nil (Q2 FY23 Sale to ARC is Rs. 190 crs) 25 IndusInd Bank

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