Shriram Finance Q4 FY23 Financial Overview
SHRIRAM
Provision Analysis
HOUSING FINANCE
Particulars (Rs. in mn)
Q4 FY23
Q3 FY23
Q2 FY23
Q1 FY23
Q4 FY22
YoY (%)
QoQ (%)
Gross Stage 3
6,243.2
6,964.2
8,536.7
7,717.8
7,879.7
-20.77%
-10.35%
ECL provision-Stage 3
1,588.0
1,697.8
2,071.7
1,815.1
1,843.7
-13.87%
-6.47%
Net Stage 3
4,655.2
5,266.4
6,465.0
5,902.7
6,036.0
-22.88%
-11.61%
Gross Stage 3 (%)
0.93%
1.15%
1.52%
1.56%
1.72%
-46.17%
-19.61%
Net Stage 3 (%)
0.69%
0.87%
1.16%
1.20%
1.32%
-47.69%
-20.77%
Coverage Ratio (%) Stage 3
25.44%
Gross Stage 1
657,150.7
24.38%
589,392.1
24.27%
543,128.5 480,309.0
23.52%
23.40%
8.71%
4.34%
442,636.5
48.46%
11.50%
ECL provision-Stage 1
3,214.1
Net Stage 1
653,936.6
3,777.6
585,614.6
3,465.0
539,663.4
3,103.9
477,205.2
3,179.1
1.10%
-14.92%
439,457.4
48.81%
11.67%
Gross Stage 1 (%)
97.59%
97.61%
96.96%
96.94%
96.76%
0.86%
-0.02%
ECL provision (%) Stage 1
0.49%
0.64%
0.64%
0.65%
0.72%
-31.90%
-23.69%
Gross Stage 2
9,970.2
7,471.7
8,499.9
7,452.9
6,937.4
43.72%
33.44%
ECL provision-Stage 2
427.2
228.2
284.4
246.1
216.0
97.75%
87.21%
Net Stage 2
9,543.0
7,243.5
8,215.5
7,206.8
6,721.3
41.98%
31.75%
Gross Stage 2 (%)
1.48%
1.24%
1.52%
1.50%
1.52%
-2.36%
19.66%
53
ECL provision (%) Stage 2
4.28%
3.05%
3.35%
3.30%
3.11%
37.60%
40.30%View entire presentation