Home Loans and Financial Growth Strategies slide image

Home Loans and Financial Growth Strategies

ECL Summary B FINSERV BAJAJ Asset categorization Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Stage 1 & 2 (represents standard assets) 99.73% 99.76% 99.77% 99.78% 99.77% Stage 3 (represents GNPA) 0.27% 0.24% 0.23% 0.22% 0.23% Summary of stage wise assets and provision for impairment allowance in Crore Assets and impairment allowance Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Gross Stage 1 & 2 assets* (A) 50,370 55,286 58,346 62,502 66,711 ECL Provision Stage 1 & 2 (B) 388 407 416 438 428 Net Stage 1 & 2 assets (C = A-B) 49,983 54,878 57,930 62,064 66,283 ECL Provision% Stage 1 & 2 assets (D = B/A) 0.77% 0.74% 0.71% 0.70% 0.64% Gross Stage 3 assets@ (E) 134.5 131.2 134.6 137.3 151.5 ECL Provision Stage 3 (F) 78.2 70.9 73.6 87.3 99.9 Net Stage 3 assets (G = E-F) 56.3 60.3 61.1 50.0 51.6 Coverage Ratio % Stage 3 assets (H= F/E) 58% 54% 55% 64% 66% ECL/Total Assets 0.92% 0.86% 0.84% 0.84% 0.79% *Gross stage 1 & 2 assets represent loans balance as per Ind AS after adjusting for the impact of amortization of fees earned and acquisition cost incurred. @ Gross Stage 3 assets represents loans balance as per Ind AS after adjusting for the impact of (i) amortization of fees earned and acquisition cost incurred and (ii) overdue interest considered recoverable under Ind AS and other receivables considered as non-performing as at the end of respective periods. 11
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