25 YEARS IN INDIA: LEADING WITH IMPACT

Wholesale Retail Asset quality to see gradual improvement (FY23P) NPA and Risk Management GNPA FY21 Stressed Assets¹ FY22E Stressed Assets¹ FY23P Housing 1.7% 3.5-3.6% 2.6-2.7% Auto² 6.3% 10-11% 8-9% Gold 1.2% 2.8-3.0% 2.3-2.5% Micro Finance 5.4% 14-15% 10-11% MSME Infrastructure³ 7-9% 8-10% 8-10% 5.1% 5-6% Note: P- Projected, E- Estimates. 1. Stressed assets refer to both GNPA and estimated segmental restructuring amounts put together 2. All segments 3. Including PFC and REC Source: CRISIL research; BCG Analysis 4-5% 29 Copyright 2020 by Boston Consulting Group. All rights reserved.

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