Profitability & Capital Adequacy Presentation
b. Retail, Rural & SME Loans
Section 8: Risk Management & Asset Quality
Low cheque bounces is further supported by high collection efficiency at 99.5%
Definition: Collection Efficiency % = (EMI Collected for the Month)/ (EMI Due for the month)* 100
Note: Total collections does not include any arrear collections, or prepayment collections in these calculations, and hence
represents the true picture of collections efficiency.
99.3%
99.4%
99.2% 99.3%
99.4% 99.3% 99.4% 99.4% 99.5%
99.4%
99.5% 99.5% 99.5% 99.5% 99.6%
99.5% 99.5% 99.5% 99.5% 99.5%
99.3%
99.3%
99.3%
99.1%
Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23
Note: Above numbers pertain to Urban portfolio which is the majority of the Book. Similar experience of improvement is observed in the Rural financing also.
44
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