Enter a Better Life Financial Performance
Chola
Enter a better life
Stagewise ECL Summary - Sep 23
murugappa
Particulars
Asset
Total
Provn
Total
NNPA
Asset
Provn
NNPA
Rs in Cr
%
Stage 1A
(A)
1,17,589
505
1,17,084
93.64%
0.43%
93.24%
Stage 1B
(B)
229
11
218
0.18%
4.69%
0.17%
Total Stage 1
(C)
1,17,818
516
1,17,303
93.82%
0.44%
93.41%
Stage 2A
(D)
2,872
269
2,603
2.29%
9.37%
2.07%
Stage 2B
(E)
1,169
145
1,024
0.93%
12.39%
0.82%
Total Stage 2
(F)
4,041
414
3,627
3.22%
10.24%
2.89%
Total Stage 3
(G)
3,719
1,760
1,959
2.96%
47.32%
1.56%
Total
(C + F + G)
1,25,578
2,689
1,22,889
100.00%
2.14%
97.86%
NPA as per RBI (incl Sec)
B + E + G)
5,117
1,915
3,202
4.07%
37.43%
2.55%
NNPA%-RBI: Net NPA/(Asset - provisions for GNPA)
2.59%
Addition of Stage 1B, Stage 2B and Stage 3 will be the GNPA% and NNPA % as per RBI norms with INDAS values.
We carry additional provision of Rs.938 Cr under INDAS over IRAC
Asset Classification:
STAGE 1A
STAGE 1B
Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised and currently in the 0-30 days - Hence no more an NPA as per RBI norms
Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 1 currently - Hence an NPA as per current RBI norms
STAGE 2A
STAGE 2B
Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised post that and now in 31-90 days DPD - Hence no more an NPA as per RBI norms
Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 2 currently - Hence an NPA as per current RBI norms
STAGE 3
Represents assets which continues to be a NPA as on the closing date - Hence an NPA as per current RBI norms
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