46
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
30. EXPOSURE TO REAL ESTATE SECTOR Particulars
In ` thousands 31 Mar 2012
31 Mar 2011
a Direct Exposure i Residential Mortgages -
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 8,298,413
1,081 6,724,034
1,227
ii Commercial Real Estate - Lending secured by mortgages on commercial real estates office 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;
8,297,332 6,722,807
iii Investments in Mortgage Backed Securities MBS and other securitised exposures –
a. Residential, b. Commercial Real Estate.
- -
b Indirect Exposure Fund based and non-fund based exposures on National Housing Bank NHB and
Housing Finance Companies HFCs. -
-
Total Exposure to Real Estate Sector 8,298,413
6,724,034 31. RISK CATEGORY WISE COUNTRY RISK EXPOSURE
Provision for Country Risk Exposure in terms of RBI master circular DBOD.No.BP.BC.1221.04.0482011-12 dated 01 July 2011 is as follows:
In ` thousands Risk Category
Exposure as at 31 Mar 2012
Provision held as at 31 Mar 2012
Exposure as at 31 Mar 2011
Provision held as at 31 Mar 2011
Insignificant 34,700,884
20,243 13,016,854
4,274 Low
3,226,749 -
11,428,685 4,294
Moderate 344,509
- 185,343
- High
3,652 -
9,235 -
Very high 7,994
- 1,160,218
- Restricted
- -
- -
Off-credit -
- -
- Total
38,283,788 20,243
25,800,335 8,568
Country risk provisions are held in addition to the provisions required to be held as per the asset classification 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
Kategori