INDIA
14. Non Performing Assets Funded Particulars
31 Mar 14 31 Mar 13
i Net NPA to Net Advances 10.19
2.37 ii Movement in Gross NPAs
a Opening Balance 5,820,327
2,146,623 b Additions during the year
17,676,995 4,236,391
Sub Total A 23,497,322
6,383,014 Reductions during the year
a Up gradations –
– b Recoveries
368,725 148,099
c Technical Prudential write-offs –
– d Write-offs
1,972,216 414,588
Sub Total B 2,340,941
562,687 Gross NPAs as on 31 Mar A-B
21,156,381 5,820,327
iii Movement in provisions for NPAs a Opening Balance
2,530,690 1,372,266
b Provisions made during the year 5,259,308
1,718,412 c Write off Write back of excess provisions
2,073,994 559,988
d Closing Balance 5,716,004
2,530,690 iv Movement in Net NPAs
a Opening Balance 3,289,637
774,357 b Additions during the year
13,932,180 3,152,703
c Reductions during the year 1,781,440
637,423 d Closing Balance
15,440,377 3,289,637
Includes an amount of INR 355,430 thousands Previous Year: INR 28,900 thousands pertaining to provision in lieu of diminution in the fair value of restructured accounts
Includes an amount of INR Nil thousands Previous Year: INR 120,000 thousands not written back in the Proit and Loss account pertaining to surplus on sale of NPA to Reconstruction company.
15. Non Performing Assets NPA provisioning coverage ratio
The NPA provisioning coverage ratio of the Bank was 27.02 as on 31 March 2014 Previous Year: 43.48.
16. Non Performing Assets Mark to Market on derivative deals
Basis the guidelines issued by RBI vide notiication DBOD.No.BP.BC.3121.04.1572012-13 dated 23 July 2012, Crystallised Receivables – Positive MTM on terminated derivative deals overdue for more than 90 days and Positive MTM on Live deals for
NPA Customers have been reported under “Schedule 11 - Other Assets” after netting of the “Suspense crystallised receivables” and “Suspense account Positive MTM”. The Gross value of crystallized receivables as on 31 March 2014 is INR 407,607 thousands
Previous Year: INR 247,635 thousands and the Net value is INR Nil Previous Year: INR Nil.
17. Concentration of Gross NPA’s Particulars
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