INDIA
SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2014
Currency: Indian rupees in thousands
30. Exposure to Real Estate Sector Particulars
31 Mar 2014 31 Mar 2013
a Direct Exposure 13,838,184
9,305,932 i
Residential Mortgages – 780
932 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 –
13,837,404 9,305,000
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 3,923,566
2,479,579 Fund based and non-fund based exposures on National Housing
3,923,566 2,479,579
Bank NHB and Housing Finance Companies HFCs.
Total Exposure to Real Estate Sector 17,761,750
11,785,511
31. Risk Category Wise Country Risk Exposure
Provision for Country Risk Exposure in terms of RBI master circular DBOD.No.BP.BC.121.04.0482012-13 dated 01 July 2013 is as follows:
Risk Category Exposure net as Provision held as Exposure net as Provision held as
at 31 March 2014 at 31 March 2014 at 31 March 2013 at 31 March 2013
Insigniicant 20,708,363
8,620 21,831,000
12,057 Low
3,623,371 –
2,296,500 –
Moderate 585,038
– 2,313,437
– High
85,529 –
122,868 –
Very high 43,417
– 761,931
– Restricted
– –
11,122 –
Off-credit 2,616
– –
–
Total 25,048,334
8,620 27,336,858
12,057
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.
32. Single Borrower and Group Borrower Exposure
