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Provisions Analysis 17 As at SHRIRAM City MONEY WHEN YOU NEED IT MOST Provisions Analysis Mar-21 Dec-21 Mar-22 Stage 3 - Gross 1876 2348 2089 Stage 3 ECL Provisions 999 1112 1030 Stage 3 - Net 877 1236 1059 Stage 3 % Gross 6.37% 7.30% 6.31% Stage 3 %-Net 3.08% 3.98% 3.30% Stage 3 Coverage Ratio (%) 53.24% 47.35% 49.28% Stage 1 Gross - 25254 25960 27151 - Stage 1 ECL Provisions 881 809 875 Stage 1 - Net 24373 25151 26276 Stage 1 % Gross 85.71% 80.73% 82.02% Stage 1 ECL Provisions % 3.49% 3.12% 3.23% Stage 2 - Gross 2335 3848 3864 - Stage 2 ECL Provisions 165 199 175 Stage 2 - Net 2170 3649 3689 - Stage 2 % Gross Stage 2 - ECL Provisions % 7.93% 11.97% 11.67% 7.07% 5.18% 4.52% Note: Covid-19 provisions of Rs. 426 Cr. are included in ECL Provisions as mentioned above Rs. Crores SHRIRAM HOUSING FINANCE

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