Investor Presentation Q3FY23
Asset Quality
cr
31-Dec-22 31-Dec-21 30-Sep-22
GNPA
NNPA
5,995
6,983
6,210
1,345
2,004
1,630
GNPA (%)
1.90%
2.71%
2.08%
NNPA (%)
0.43%
0.79%
0.55%
PCR (excl standard and COVID prov)
77.6%
71.3%
73.7%
kotak
Credit cost on advances
for Q3FY23 (annualised):
27 bps (incl std prov; excl
reversal of COVID &
restructuring)
(Q2FY23: 26 bps, Q3FY22:
33 bps)
Slippages for Q3FY23
748 cr (0.2% of Advances),
(983 cr Q2FY23),
Of 748 cr, 171 cr got
upgraded within Q3FY23
Recoveries and upgrades during the quarter: 874 cr
SMA2^ O/s as on 31st Dec, 2022: 191 cr [30th Sep, 2022: 119 cr]
No sale of any loans during the period
Standard Restructured FB o/s under various frameworks: COVID: 281 cr; MSME: 484 cr [0.25% of Advances]
Total provisions held: 6,570 cr
。 COVID-19 provision of 400 cr ( 38 cr reversed in Q3FY23)
O
O Restructuring provision of 185 cr, maintaining higher than regulatory requirement
^ Fund based outstanding for borrowers with exposure > 5 cr
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