INDIA
Economic Political Weekly
EPW
Published on Saturday, June 27, 2015 vol l nos 26 27
21
SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015
Currency: Indian rupees in thousands
29. Exposure to Capital Market
Continued Sr. No.
Particulars 31 March 15
31 March 14
v Secured and unsecured advances to stockbrokers and guarantees
– –
issued on behalf of stockbrokers and market makers vi Loans sanctioned to corporates against the security of sharesbonds debentures
– –
or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources
vii Bridge loans to companies against expected equity lowsissues
– –
viii Underwriting commitments taken up in respect of primary issue of shares or
– –
convertible bonds or convertible debentures or units of equity oriented mutual funds ix Financing to stockbrokers for margin trading
– –
x All exposures to venture capital funds both registered and unregistered
– –
Total Exposure to Capital Market 2,888,516
3,531,275 Note: Equity shares of INR 45,532 thousand received on account of restructuring of loan is excluded from exposure to capital
market in accordance with RBI Master Circular DBOD No.Dir.BC.1213.03.00 2014-15 dated July 1, 2014. For the purpose of this disclosure, the bank has compiled the data which has been relied upon by the auditor.
30. Exposure to Real Estate Sector
Particulars 31 Mar 2015
31 Mar 2014 a
Direct Exposure 11,565,231
13,838,184 i
Residential Mortgages –
190,990
780 Lending fully secured by mortgages on residential property that is or will
be occupied by the borrower or that is rented; Individual housing loans eligible for inclusion in priority sector advances may be shown separately
ii Commercial Real Estate –
11,374,241 13,837,404
Lending secured by mortgages on commercial real estates ofice buildings, retail space, multi-purpose commercial premises,
multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition,
development and construction, etc.. Exposure would also include non-fund based NFB limits;
iii Investments in Mortgage backed Securities MBS and other securitised exposures –
– –
a. Residential, b. Commercial Real Estate.
b Indirect Exposure
3,248,814 3,923,566
Fund based and non-fund based exposures on National Housing
3,248,814 3,923,566
Bank NHB and Housing Finance Companies HFCs.
Total Exposure to Real Estate Sector 14,814,045
17,761,750
31. Risk Category Wise Country Risk Exposure
Provision for Country Risk Exposure in terms of RBI master circular DBOD.No.BP.DC.921.04.0482014-15 dated 01 July 2014 is as follows:
Risk Category Exposure net as
Provision held as Exposure net as
Provision held as at 31 March 2015 at 31 March 2015
at 31 March 2014 at 31 March 2014
Insigniicant
15,244,692 6,493
20,708,363 8,620
Low
8,550,154 2,624
3,623,371 -
Moderate
99,720 -
585,038 -
High
170,149 -
85,529 -
Very high
- 43,417
- Restricted
- -
- Off-credit
- 2,616
-
Total 24,064,715
9,117 25,048,334
8,620 Country risk provisions are held in addition to the provisions required to be held as per the asset classiication status. In terms of
the RBI circular, the provision is made for only those countries where the net funded exposure is not less than 1 percent of total assets. For exposures with contractual maturity of less than 180 days, 25 of the normal provision requirements are held.
INDIA
Published on Saturday, June 27, 2015 vol l nos 26 27
EPW
Economic Political Weekly
22
SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015
Currency: Indian rupees in thousands
32. Single Borrower and Group Borrower Exposure
