Q3 FY22 Earnings Report
Stagewise ECL provisioning as of 31 December 2021
BAJAJ FINANCE LIMITED
in crore
Gross Assets Receivable
ECL Provision
PCR %
Stage 2
Stage 2
Stage 2
Stage 1
Stage 3
Stage 1
Stage 3
Stage 1
Stage 3
OTR*
Normal
OTR*
Normal
OTR*
Normal
Auto Finance Business
8,925
18
1,558
1,303
143
1
389
651
1.6%
6.4% 25.0%
50.0%
Sales Finance Business
14,676
389
98
45
108
101
43
37
0.7%
26.0% 43.4%
80.7%
'
Consumer B2C Business
34,642
113
770
479
400
25
269
360
1.2%
22.3% 34.9%
75.1%
Rural Sales Finance Business
3,999
18
10
17
9
8
0.4%
29.5% 52.6%
80.7%
Rural B2C Business
13,872
11
505
376
164
3
116
170
1.2%
23.2%
23.0%
45.1%
'
SM E Lending Business
22,912
102
323
329
247
32
123
247
1.1%
31.6%
38.0%
75.2%
Securities Lending Business
9,111
16
LO
5
4
0.3
0.2
0.1%
1.8%
3.9%
Commercial Lending Business
10,466
44
22
17
0.2%
38.2%
Mortgages
52,239
820
558
517
259
155
115
238
0.5%
18.9%
20.6%
46.2%
Total as of 31 Dec 2021
1,70,842
1,453
3,846
3,108
1,364
317
1,064
1,728
0.8%
21.8% 27.7%
55.6%
Total as of 30 Sep 2021
1,55,556
1.512
4,451
4,103
1,219
289
1,030
2,277
0.8%
19.1% 23.1%
55.5%
Total as of 30 Jun 2021
1,46,119
1,287
6.137
4,737
1,077
235
1,395
2.430
0.7%
18.3%
22.7%
51.3%
OTR One time Restructuring
Stage 1 - Loan accounts up to 1 DPD | Stage 2 Loan accounts In-between 2-90 DPD, Including weak accounts & OTR accounts without any overdue | Stage 3 - Customer classified as NPA as per RBI guidelines
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