Investor Presentaiton
Provisions Analysis (ECL computation under Ind-AS) - SHFL
29
SHRIRAM City
MONEY WHEN YOU NEED IT MOST
Particulars (INR Crore)
31-Mar-22
Gross Stage 1 & 2
4,495.7
31-Dec-21
3,794.3
31-Mar-21
3,361.9
ECL Provision Stage 1 & 2
34.0
26.4
24.3
Net Stage 1 & 2
4,461.8
3,767.9
3,337.5
ECL Provision % Stage 1 & 2
0.8%
0.7%
0.7%
Gross Stage 3 (Regular)
50.9
66.9
64.2
Gross Stage 3 (RBI Circular dated 12th Nov'21)
27.8
29.2
Gross Stage 3
78.8
96.1
64.2
ECL Provision Stage 3 (Regular)
14.4
15.1
14.1
ECL Provision Stage 3 (RBI Circular dated 12th Nov'21)
4.0
4.2
Net Stage 3
60.4
76.8
50.2
Coverage Ratio % Stage 3
23.4%
20.0%
21.9%
Gross Assets
4,574.5
3,890.4
3,426.1
Total Provision (Including Special COVID Provision)
52.4
54.2
48.4
Net Assets
4,522.1
3,836.2
3,377.7
Total Provision (including COVID Provision) / Gross Assets (%)
1.1%
1.4%
1.4%
Provision Coverage Ratio (%)
66.5%
56.4%
75.4%
Note: ECL Provision of 4.0 Cr INR made on loans classified as Stage-3 on account of RBI Circular against regular ECL requirement of 0.57 Cr
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