Shriram Finance Q4 FY23 Financial Overview
Provision Analysis
SHRIRAM
Finance
Particulars (Rs. in mn)
Q4 FY23
Q3 FY23
Q2 FY23
Q1 FY23
Q4 FY22*
YoY (%)
QoQ (%)
Gross Stage 3
113,821.8
110,586.1
105,830.5
101,315.5
88,875.5
28.07%
2.93%
ECL provision-Stage 3
57,073.2
56,080.6
51,922.6
49,255.5
44,415.0
28.50%
1.77%
Net Stage 3
56,748.6
54,505.5
53,907.9
52,060.0
44,460.5
27.64%
4.12%
Gross Stage 3 (%)
6.21%
6.29%
6.31%
6.27%
7.07%
-12.19%
-1.28%
3.19%
50.14%
Net Stage 3 (%)
Coverage Ratio (%) Stage 3
Gross Stage 1
1,556,198.9 1,484,830.8 1,401,881.5 1,340,246.9
3.20%
50.71%
3.32%
49.06%
3.32%
48.62%
3.67% -12.87%
-0.22%
49.97%
0.34%
-1.12%
1,034,929.8
50.37%
4.81%
ECL provision-Stage 1
45,412.8
41,119.6
37,792.9
34,490.9
33,813.4
34.30%
10.44%
Net Stage 1
1,510,786.1 1,443,711.2 1,364,088.6 1,305,756.0
1,001,116.4
50.91%
4.65%
Gross Stage 1 (%)
84.88%
84.44%
83.56%
82.95%
82.33%
3.09%
0.52%
ECL provision (%) Stage 1
2.92%
2.77%
2.70%
2.57%
3.27%
-10.68%
5.38%
Gross Stage 2
163,362.9
163,005.4
169,987.9
174,141.4
133,185.0
22.66%
0.22%
ECL provision-Stage 2
11,052.9
Net Stage 2
152,310.0
10,779.1
152,226.3
Gross Stage 2 (%)
ECL provision (%) Stage 2
8.91%
6.77%
9.27%
6.61%
11,740.7
158,247.3
10.13%
6.91%
12,946.7
161,194.7
10.78%
7.43%
12,110.4 -8.73%
2.54%
121,074.6
10.60%
9.09%
25.80%
0.05%
-15.90%
-3.88%
-25.59%
2.32%
Note:- *The figures for the current reporting period includes the effect of merger of transferor Companies SCUF and SCL and are therefore not comparable
with figures of the respective previous year/ period.
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