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Asset Quality- Challenges set to re-surface<br />
Exhibit 35 : 90+ dpd movement for key asset classes (Sep-18 Vs Sep-17)<br />
Source: ICRA Research; Company/ Company Investor presentations of ICRA sample entities<br />
❖ LAP+SME segment borrower to be faced with higher refinance cost and delays in incremental<br />
credit as liquidity position is tighter than the past<br />
❖ Vehicle finance segments faced with subdued demand and, higher operating and finance costs<br />
Asset Class<br />
LAP+SME<br />
CV<br />
Passenger Vehicle<br />
Gold Loans<br />
Construction Equipment<br />
Tractor<br />
Unsecured Personal<br />
Credit<br />
Microfinance<br />
Outlook
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