HDFC Q3 FY22 Financial Highlights
Percentage
GROSS NON-PERFORMING LOANS
(NPLs) & PROVISIONS CARRIED
2.56%
2.56%
3.00%
2.45%
2.32%
2.50% 1.91%
2.00%
2.00%
1.50%
1.00%
0.50%
0.00%
Dec-20
Sep-21
Dec-21*
■GROSS NPLs
■PROVISIONS CARRIED AS % OF EAD**
HDFC
WITH YOU, RIGHT THROUGH
As at December 31, 2021
NPLs (90 days):
(Rs. in bn)
124.19
Provisions Carried:
131.95
of which Covid-19 Provisioning:
11.87
Regulatory provision as per
period of default & standard
assets:
74.50
NPLS - Dec 31, 2021
More than 90 dpd
Individual Loans
1.14%
Less than 90 dpd but classified as NPL
0.30
Total
1.44%*
Non-Individual Loans
Overall NPLs
3.87%
1.81%
1.17%
5.04%
0.51%
2.32%
*Prior period NPLs are not comparable due to change in classification norms by the Reserve Bank of India in Nov-21
**EAD: Exposure at Default
22
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