Investor Presentaiton
Gross Stage 1 & 2
ECL Provision Stage 1 & 2
Net Stage 1 & 2
ECL Provision % Stage 1 & 2
Gross Stage 3 (Regular)
Gross Stage 3 (RBI Circular dated 12th Nov'21)
Expected Credit Loss (ECL) Provision (Stage-wise)
Classification of the Assets based on the ECL computation under Ind AS:
Particulars (INR Crore)
31-Dec-21 30-Sep-21
3,794.3
SHRIRAM
HOUSING FINANCE
Values in Cr.
31-Dec-20
3,650.6
2,577.2
26.4
26.6
21.5
3,767.9
3,624.0
2,555.7
0.7%
0.7%
0.8%
66.9
71.3
63.4
29.2
Gross Stage 3
96.1
71.3
63.4
ECL Provision Stage 3 (Regular)
15.1
16.2
12.9
ECL Provision Stage 3 (RBI Circular dated 12th Nov'21)
4.2
Net Stage 3
76.8
55.1
50.5
Coverage Ratio % Stage 3
20.0%
22.7%
20.3%
Gross Assets
3,890.4
3,721.9
2,640.6
Total Provision (Including Special COVID Provision)
54.2
49.8
Net Assets
3,836.2
3,672.1
Total Provision (including COVID Provision) / Gross Assets (%)
1.4%
1.3%
47.4
2,593.2
1.8%
Provision Coverage Ratio (%)
56.4%
69.8%
74.8%
Note: ECL Provision of 4.2 Cr INR made on loans classified as Stage-3 on account of RBI Circular against regular ECL requirement of 0.60 CrView entire presentation