Q1FY23 Financial Results
Percentage
HDFC
WITH YOU, RIGHT THROUGH
GROSS NON-PERFORMING LOANS(NPLs) & PROVISIONS CARRIED
As per RBI's Revised Norms (i.e. November 12, 2021)
2.64%
As at June 30, 2022
(Rs. in bn)
3.00%
2.24%
2.38%
2.28%
1.91%
1.78%
2.00%
1.00%
0.00%
Jun-21 *
■GROSS NPLs
Mar-22
Jun-22
■PROVISIONS CARRIED AS % OF EAD**
NPLs
As at Jun 30, 2022
As at Mar 31, 2022
As at Jun 30, 2021*
Individual Loans
0.98%
0.99%
1.37%
Non-Individual Loans
4.44%
4.76%
4.87%
Overall NPLs
1.78%
1.91%
2.24%
NPLs (90 days):
102.88
Provisions Carried:
133.28
To facilitate a like-for-like comparison with
the previous year:
* As at June 30, 2022, based on the earlier
norms, the NPAs are as follows:
Individuals: 0.75%
Total NPLs: 1.61%
*Jun-21 NPLs are not comparable due to change in classification norms by the Reserve Bank of India in Nov-21.
Jun-22 and Mar-22 are based on RBI's Nov. 12, 2021 circular - daily stamping of NPLs & upgradation of NPLs less than 90 dpd to standard
accounts provided all outstanding dues are fully repaid.
**EAD: Exposure at Default
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