NPA Composition - Consumer Finance

NBFC Exposure Loans to NBFCs (other than HFCS and MFIs) at 3.2% of the total loan book (3.7% previous quarter) ■ Portfolio spread across entities with strong sponsors typically in niche retail businesses Corporate 15% Resilient portfolio performance despite the sector facing a tough operating environment Sponsor Profile Bank 7% Gold Financier 24% NBFC NNPA Mix NBFC AUM Mix Above 3% 18% Below 1,000cr 9% Above 50,000cr 14% PE 15% MNC 18% Vehicle Financier 21% Below 1% 36% Between 1% to 3% 46% Between 1,000cr to 10,000cr 30% Between 10,000cr to 20,000cr 25% Between 20,000cr to 50,000cr 22% Note: Data as of September 2019 for NBFCs >Rs 10cr exposure amounting to 99% of the NBFC portfolio 15 IndusInd Bank

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