42
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
15. NON PERFORMING ASSETS NPA PROVISIONING COVERAGE RATIO
The NPA provisioning coverage ratio of the Bank was 63.93 as on 31 March 2012 Previous Year 72.02.
16. NON PERFORMING ASSETS MARK TO MARKET ON DERIVATIVE DEALS
Basis the guidelines issued by RBI vide notification DBOD.No.BP.BC.2821.04.1572011-12 dated 11 August 2011, Crystallised Receivables – Positive MTM on terminated derivative deals overdue for more than 90 days have been reported
under “Schedule 11- Other Assets” after netting of the “Suspense crystallised receivables”. The Gross value of crystallised receivables as on 31 March 2012 is ` 83,812 thousands and the Net value is Nil.
17. CONCENTRATION OF GROSS NPA’S Particulars
In ` thousands 31 Mar 2012
31 Mar 2011 Total Exposure to top four NPA accounts
1,712,149 753,147
18. SECTOR-WISE GROSS NPA’S Sector
Percentage to Total Advances 31 Mar 2012
31 Mar 2011 Agriculture and allied activities
3.48 44.24
Industry Micro and small, Medium and Large 0.87
0.72 Services
4.07 -
Personal Loans -
- 19. CONCENTRATION OF DEPOSITS
Particulars In ` thousands 31 Mar 2012
31 Mar 2011 Total Deposits of twenty largest depositors
60,441,241 51,382,846
Percentage of Deposits of twenty largest depositors to Total Deposits of the Bank
46.77 69.74
20. CONCENTRATION OF ADVANCES Particulars In ` thousands
31 Mar 2012 31 Mar 2011
Total Advances to twenty largest borrowers 63,972,933
60,343,922 Percentage of Advances to twenty largest borrowers to
Total Advances of the bank 24.48
36.32 Advances have been computed as per the definition of Credit Exposure including derivatives as prescribed in RBI’s Master
Circular DBOD.No.Dir.BC.713.03.002011-12 dated 01 July 2011.
DBS Bank Ltd., India Annual Report 2011-12 43
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
21. CONCENTRATION OF EXPOSURES Particulars
In ` thousands 31 Mar 2012
31 Mar 2011 Total Exposure to twenty largest borrowerscustomers
64,422,933 60,343,922
Percentage of Exposures to twenty largest borrowerscustomers to Total Exposure of the bank on borrowerscustomers
24.24 22.37
Exposures are computed based on Credit and Investment exposure as prescribed in RBI’s Master Circular DBOD.No.Dir. BC.713.03.002011-12 dated 01July 2011.
22. OVERSEAS ASSETS, NPAs AND REVENUE
As the Bank is a branch of a foreign bank, this disclosure is not considered applicable.
23. OFF BALANCE SHEET SPONSORED SPECIAL PURPOSE VEHICLES
The Bank does not have any off balance sheet sponsored Special Purpose Vehicle as at 31 March 2012 Previous Year: Nil.
24. LOAN RESTRUCTURING Particulars of Accounts Restructured
In ` thousands CDR
Mechanism SME Debt
Restructuring Others
Standard Advances No. of Borrowers -
- -
- -
- Amount outstanding
- -
- -
- -
Sacrifice diminution in the fair value -
- -
- -
- Sub-standard
Advances No. of Borrowers
- -
- -
- -
Amount outstanding -
- -
- -
- Sacrifice diminution in the fair value
- -
- -
- -
Doubtful Advances No. of Borrowers
- -
- -
- 1
Amount outstanding -
- -
- -
75,000 Sacrifice diminution in the fair value
- -
- -
- -
Figures in brackets indicate previous year figures
25. FINANCIAL ASSETS SOLD TO SECURITISATIONRECONSTRUCTION COMPANIES FOR ASSET RECONSTRUCTION
There were no sales of financial assets to SecuritisationReconstruction companies for Asset Reconstruction during the year ended 31 March 2012 Previous Year: Nil.
44
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
26. DETAILS OF NON-PERFORMING FINANCIAL ASSETS PURCHASEDSOLD
