Shriram Finance Q4 FY23 Financial Overview
Product wise Provision Analysis - Mar'23
SHRIRAM
Finance
Particulars (Rs. mn)
Commercial Passenger Construction Farm
Vehicles Vehicles Equipments Equipments
MSME
Two
Gold
Wheelers
Personal Others
Loans
Total
Gross Stage 3
59,990.3
19,176.0
10,388.1 3,487.2
11,222.3 4,305.7
1,410.3 3,674.6 167.2
113,821.8
ECL provision-Stage 3
30,886.6
9,306.1
5,123.3 1,811.2
6,363.4 2,013.1
Net Stage 3
29,103.7
9,870.0
5,264.8
1,676.0
4,858.9
2,292.7 1,317.4
92.9 1,338.2 138.7
2,336.5
57,073.2
28.5
56,748.6
Gross Stage 3 (%)
6.50%
5.78%
7.26%
10.27%
5.93%
4.28%
3.15%
5.53% 33.61%
6.21%
Net Stage 3 (%)
3.26%
3.06%
3.82%
5.22%
2.66%
2.32%
2.95%
3.59% 7.95%
3.19%
Coverage Ratio (%) Stage 3
51.49%
48.53%
49.32%
51.94%
56.70%
46.75%
6.59%
36.42% 82.94%
50.14%
Gross Stage 1
788,209.5
283,533.1
121,299.8
24,966.4
158,061.0 85,967.9
37,976.5
55,925.1
259.5
1,556,198.9
ECL provision-Stage 1
26,261.2
9,363.3
4,053.1
849.5
2,183.5
1,257.7
53.2 1,381.0
10.4
Net Stage 1
761,948.3
274,169.8
117,246.7
24,117.0
155,877.5
84,710.3
37,923.3
54,544.2
249.1
45,412.8
1,510,786.1
Gross Stage 1 (%)
85.39%
85.50%
84.77%
73.55%
83.51%
85.38%
84.80%
84.16% 52.17%
84.88%
ECL provision (%) Stage 1
3.33%
3.30%
Gross Stage 2
74,835.8
28,911.9
3.34%
11,408.4 5,489.4
3.40%
1.38%
1.46%
0.14%
2.47% 4.00%
2.92%
19,982.9
10,418.7
5,397.1
6,848.0
70.7
163,362.9
ECL provision-Stage 2
6,394.6
2,328.0
Net Stage 2
68,441.3
26,583.9
969.2
10,439.1 5,010.8
478.6
632.5
226.4
5.7
14.2
3.7
11,052.9
19,350.4
10,192.4
5,391.4
6,833.9
67.0
152,310.0
Gross Stage 2 (%)
8.11%
8.72%
7.97%
16.17%
10.56%
10.35%
12.05%
10.31% 14.21%
8.91%
42
ECL provision (%) Stage 2
8.54%
8.05%
8.50%
8.72%
3.17%
2.17%
0.11%
0.21% 5.18%
6.77%View entire presentation