INDIA
Economic Political Weekly
EPW
Published on Saturday, June 27, 2015 vol l nos 26 27
19
24. Loan Restructuring
Continued
S Type of Restructuring Under CDR Mechanism
Under SME Debt Others
Total No
Restructuring Mechanism Asset Classiication
Stand- Sub- Doubt- Loss
Total Stand- Sub- Doubt- Loss Total Stand- Sub- Doubt- Loss Total Stand- Sub- Doubt- Loss Total
ard Stand-
ful ard Stand-
ful ard Stand-
ful ard Stand-
ful ard
ard ard
ard Details
1 Restructured No. of
1 1
1 1
Accounts as on borrowers 01 April 2013
Amount 300,000
300,000 300,000
300,000 outstanding
Provision 84,400
84,400 84,400
84,400 thereon
2 Fresh No. of
1 1
1 1
1 1
2 restructuring
borrowers Amount
1,627, 1,627,
29,847 29,847
29,847 1,627, 1,657,
outstanding 468
468 468
315 Provision
976,481 977,
9,811 9,811
9,811 977,481 987,292
thereon 481
3 Upgradations No. of
to restructured borrowers
standard Amount
category outstanding
during the FY Provision
thereon 4 Restructured
No. of standard
borrowers advances which Amount
cease to attract outstanding
higher Provision
provisioning thereon
andor additional
risk weight at the end of the
FY and hence need not be
shown as restructured
standard advances at the
beginning of the next FY
5 Downgradations No. of -1
1 -
-1 1
- of restructured
borrowers accounts
Amount -7,015
7,015 -
-7,015 7,015 -
during the FY outstanding
Provision -7,015
7,015 -
-7,015 7,015 -
thereon 6 Write-offs of
No. of restructured
borrowers accounts
Amount during the FY
outstanding Provision
thereon 7 Restructured
No. of 1
1 1
1 2
1 2
3 Accounts as on
borrowers 31 March 2014
Amount 1,627,
1,627, 29,847
7,015 36,862
29,847 1,634, 1,664,
outstanding 468
468 483
330 Provision
976,481 976,481
9,811 7,015
16,826 9,811 983,496
993,307 thereon
Note: 1. Amount os represents Funded outstanding. 2. Previous year igure have been reclassiied whereby 2 cases which had been reported under “CDR mechanism” have been reclassiied to “Others’ as the banks proposal to join the CDR was rejected during the year by the CDR lender group.
Includes INR 28,900 thousand pertaining to provision in lieu of diminution in the fair value of restructured accounts. Includes INR 2,270 thousand pertaining to provision in lieu of diminution in the fair value of restructured accounts.
During the year, from the opening balance there was recovery of INR 292,285 thousands and balance amount INR 7,015 thousands has been downgraded to Doubtful category. The same has been shown in the Doubtful category under down gradations head with amount
as INR 7,015 thousands. Includes INR 353,160 thousand pertaining to provision in lieu of diminution in the fair value of restructured accounts.
SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015
Currency: Indian rupees in thousands
INDIA
Published on Saturday, June 27, 2015 vol l nos 26 27
EPW
Economic Political Weekly
20
SCHEDULES TO FINANCIAL STATEMENTS AS AT 31 MARCH 2015
Currency: Indian rupees in thousands
25. Financial Assets sold to SecuritisationReconstruction Companies for Asset Reconstruction