Page 107 - Demo

STATUTORY REPORTS
Particulars
amount
D tier ii capital
D.1 General Provisions
D.2 Investment Fluctuation Reserve
D.3 Lower Tier 2 capital instruments
E deductions
E.1 Investments in instruments eligible for regulatory capital of financial subsidiaries/associates
E.2 Securitisation exposures including credit enhancements
F net tier 2 capital
G Total Eligible Capital
capital requirements for various risks
A credit risk
A.1 For non-sec portfolio
A.2 For Securitized portfolio
B Market risk
B.1 For Interest Rate Risk
B.2 For Equity Risk
B.3 For Forex Risk (including gold)
B.4 For Commodities Risk
B.5 For Options risk
C operational risk
D total capital requirement
E total risk Weighted assets
F total capital funds of the bank
g capital adequacy ratio of the bank (%)
The detailed break up of Credit RWA is as follows:
Cash and Balances with Reserve Bank of India
Balances with Banks and Money at Call and Short Notice Investments
Advances
Fixed Assets
Other Assets
off Balance Sheet
total
Basel II Ratios as at March 31, 2020
` in Lakhs
7,135 1,523 -
-
- 8,659 310,488
161,619 161,619 NIL 220 220 NIL NIL NIL NIL 21,203 183,042 1,345,254 310,488 23.08%
` in Lakhs
0 2,728 13 10,24,688 20,697 26,689 2,642 10,77,457
` in Lakhs
301,829
8,659
310,488
1,345,254
20.95%
22.44% 0.64% 23.08%
sl.no
capital requirements for various risks
amount
asset description
risk weighted assets
Particulars
amount/ratio (only credit rWa)
amount/ ratio (all Pillar 1 risks)
Tier I Capital
Tier II Capital
total capital
total rWa
CET Ratio
Tier I Ratio
Tier II Ratio
crar 28.82%
301,829
8,659
310,488
1,077,457
26.16%
28.01% 0.80%
With the recent Ipo, the CRAR of the Bank has witnessed a significant increase. the high capital adequacy is transitory in nature and is expected to stabilize with higher credit off -take in the ensuing financial year. this is also expected to cushion any potential adverse impact on account of COVID-19 pandemic in the ensuing year.
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