INDIA
Economic Political Weekly
EPW
Published on Saturday, June 27, 2015 vol l nos 26 27
17
15. Non Performing Assets NPA provisioning coverage ratio
The NPA provisioning coverage ratio of the Bank including technical write off was 59.35 as on 31 March 2015 Previous Year: 27.02.
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 crystallised receivables as on 31 March 2015 is INR 440,578 thousands
Previous Year: INR 407,607 thousands and the Net value is INR Nil Previous Year: INR Nil.
17. Concentration of Gross NPA’s
Particulars 31 Mar 15
31 Mar 14
Total Exposure to top four NPA accounts
7,201,789 11,579,692
This includes credit exposure of derivative products INR 7,702 thousands Previous Year NIL exposure to Non Funded facilities of INR NIL Previous year INR 13,208 thousands.
Excludes technical writeoff
18. Sector-wise Gross NPAs Sector
Percentage of NPAs to Total Advances in that sector
31 Mar 15 31 Mar 14
Agriculture allied activities
– –
Industry Micro small, Medium and Large
8.16
13.49 Services
6.93
13.74 Personal Loans
– –
For the purpose of this disclosure, the bank has compiled the data which has been relied upon by the auditor.
19. Concentration of Deposits
Particulars 31 Mar 15
31 Mar 14
Total Deposits of twenty largest depositors
78,131,609 94,791,172
Percentage of Deposits of twenty largest depositors to
44.92
54.25 Total Deposits of the Bank
20. Concentration of Advances
Particulars 31 Mar 15
31 Mar 14
Total Advances to twenty largest borrowers
88,326,145 82,875,941
Percentage of Advances to twenty largest borrowers to
27.96
25.58 Total Advances of the Bank
Advances have been computed as per the deinition of Credit Exposure including derivatives as prescribed in RBI’s Master Circular DBOD.No.Dir.BC.1213.03.002014-15 dated 01 July 2014.
Excludes advances covered by banks guarantee, derivative exposure with bank and CCIL as counterparties.
21. Concentration of Exposures
