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Investor Presentaiton

Chola Enter a better life Stagewise ECL Summary - Dec 23 murugappa Particulars Asset Total Provn Total NNPA Asset Provn NNPA Rs in Cr % Stage 1A (A) 1,27,032 544 1,26,488 93.93% 0.43% 93.53% Stage 1B (B) 250 12 238 0.18% 4.65% 0.18% Total Stage 1 (C) 1,27,282 555 1,26,726 94.12% 0.44% 93.71% Stage 2A (D) 2,905 275 2,630 2.15% 9.46% 1.95% Stage 2B (E) 1,239 153 1,085 0.92% 12.38% 0.80% Total Stage 2 (F) 4,144 428 3,716 3.06% 10.33% 2.75% Total Stage 3 (G) 3,811 1,720 2,091 2.82% 45.15% 1.55% Total (C + F + G ) 1,35,236 2,704 1,32,532 100.00% 2.00% 98.00% NPA as per RBI (incl Sec) (B + E + G) 5,299 1,885 3,414 3.92% 35.58% 2.52% NNPA%-RBI: Net NPA/(Asset - provisions for GNPA) 2.56% Addition of Stage 1B, Stage 2B and Stage 3 will be the GNPA% and NNPA % as per RBI norms with INDAS values. We carry additional provision of Rs.896 Cr under INDAS over IRAC Asset Classification: STAGE 1A STAGE 1B STAGE 2A STAGE 2B Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised and currently in the 0-30 days - Hence no more an NPA as per RBI norms Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 1 currently - Hence an NPA as per current RBI norms Represents assets (i) which had never touched NPA and (ii) which had been an NPA in the past but had been normalised post that and now in 31-90 days DPD - Hence no more an NPA as per RBI norms Represents assets which had been an NPA in the past but yet to be fully normalised though it has moved to stage 2 currently - Hence an NPA as per current RBI norms STAGE 3 Represents assets which continues to be a NPA as on the closing date - Hence an NPA as per current RBI norms 27 22
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