Page 111 - Demo

For Q4 of FY 2019-20, the Risk Management Committee had approved write-offs to the tune of `1,936 Lakhs. These were advances which were provided for in full and where no recoveries had been made in the recent past. Further, the Bank is of the opinion that these advances have low probability of recovery. A summary of write off made in the current financial year is given as under:
%gnPa & %nnPa
0.85
0.21
Mar'19 %GNAP
0.74 0.72 0.84 0.88
STATUTORY REPORTS
0.28 June'19 Sep'19 Dec'19
%NNPA
Period
amount (` in Lakhs)
Q1
Q2
Q3
Q4
fy 2019-20
8.1.6. credit risk Management
1,570
1,685 1,216 1,936 6,407
On Time Repayment Rate (OTRR) has marginally increased to 90.4% as compared to previous quarter while Cumulative Repayment Rate (CRR) has been stable at 98.9%. The 12 Month on Books (MOB) advances showed a decreasing trend in PAR due to better recoveries from states which were affected by natural calamities.
0.19
0.23
0.10
Mar'20
The overall distribution of gross advances as at March 31, 2020 was as under:
business vertical
osP
% share
group Loans (Mf)15
individual Loans (Mf)16
946,838
146,840
` in Lakhs
66.90%
10.37%
10.77%
6.93%
0.45%
0.56%
0.09%
3.88%
0.08%
-0.01%
%Par 12 Mob
017 0.19
housing 152,387
Mse 98,026
Loan against fd
Personal Loan
vehicle Loan
6,312
7,858
1,288
0.26 Sep'19
0.55
Dec'19 Mar'20
fig 54,899
Staff 1,094
Less: adjustments17 (211)
0.47
Mar'19 %PAR>0
June'19
total 1,415,330 100.00%
At Bank level, the Gross NPA (GNPA) had marginally increased to 0.97% in March 2020 from 0.95% in December 2019 and 0.92% in March 2019. The reasons for increase are explained in the respective portfolio review.
8.1.6.1. Microfinance loans
Key risk indicators such as Cumulative Repayment Rate (CRR) had shown stable trends affirming that the overall health of the credit portfolio was healthy in the microfinance portfolio.
pAR > 0 DpD in Microfinance loans sourced during the last 12 months was at 0.47%, an increase from March 2019. The increase in delinquency can be mainly attributed on account of pAR additions seen in micro finance on account ofnaturalcalamitiesandexternaleventsaffectingAssam state. the movement in pAR in states affected by natural calamities was as follows:
cumulative repayment rate & on time repayment rate (%)
Odisha
Karnataka Maharashtra
Bihar
Madhya Pradesh total
10.5% 2.8% 3.4% 380
2.3% 9.7% 2.0% 120
1.1% 2.4% 7.3% 180
0.2% 2.0% 0.4% 10
1.1% 2.1% 2.5% 230
4.3% 4.6% 3.0% 920
98.0
92.3 Mar'19
99.0
90.1 June'19
99.1 98.9
89.5 89.5 Sep'19 Dec'19
98.9
90.4
Mar'20
Among the affected geographies, Karnataka and Bihar continued to show excellent progress and the portfolio performance is back to near normal levels. Odisha, Madhya Pradesh (MP) and Maharashtra have shown gradual improvements with no incremental stress observed. There is slow recovery from Odisha observed across the industry and the Bank has leveraged bureau
Par Movement & Progress in affected branches
state
June’19
sept’19
dec’19
Mar’20
credit cost
3.2%
1.5%
5.5%
0.2%
2.5%
2.6%
CRR OTRR
15Includes Agriculture Group Loans (AGL)
16Includes agriculture loans
17Adjustments on account of interest suspense accounts
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