Page 123 - Demo

Lakhs Crores was purchased to bridge an anticipated shortfall in PSL Agri category. The summary of compliance to PSL norms is as follows:
STATUTORY REPORTS
sl. no.
sector wise achievements
effective anbc
total outstanding
% achievement
1 Overall PSL
2 Agriculture
3 Small and Marginal Farmers
4 Non - Corporate Farmers
5 Micro Enterprises
6 Weaker Sections
The PSL portfolio which was sold as Priority Sector lending Certificate (pSlC) is as follows:
1,062,275.89
1,062,275.89
1,062,275.89
1,062,275.89
1,062,275.89
1,062,275.89
796,953.44
195,996.60
350,717.91
175,996.60
228,277.31
796,953.44
` in Lakhs
75.02%
18.45%
33.02%
16.56%
21.49%
75.02%
` in Lakhs
The Bank continued to remain highly liquid through the year with surplus on a day to day basis being invested in
Day - 1 2-7 Days
8-14 Days
15-30 Days
31 Days and up to 2 months
Over 2 months and up to 3 months
Over 3 Months and up to 6 months
Over 6 Months and up to 1 year
Over 1 Year and up to 3 years
Over 3 Year and up to 5 years
Over 5 years
call market or other short dated liquid investments. It has managed its funding requirement through a mix of retail and institutional deposits, progressive build-up of CASA balances, with a small balance being met through Certificates of Deposits. the Bank managed it AlM position effectively ensuring that there was no mismatch and that the mandatory buckets were not breached. To ensure that any incipient stress on these first four buckets is countered, the Bank has built an excess reserve of SLR securities that provides the required cushion in times of stress on the first four buckets. Conversely, when the position is eased, the excess is used to tap the repo market to meet the Bank’s short term funding requirement. In a declining interest scenario, accessing the repo market aids the Bank’s effort to reduce the cost of funding.
Particulars
1) PSLC Agriculture
2) PSLC Small Farmers / Marginal Farmers
3) PSLC Micro Enterprises
4) PSLC General
8.2.5. Maturity pattern of assets and liabilities
buckets
Loans and advances
investments
deposits
borrowings
6,00,000 5,00,000 4,00,000 3,00,000 2,00,000
1,00,000 -
March 31, 2020
PsLc sold
-
200,500
65,950
160,000
426,450
117
1,635
1,506
3,501
7,859
89,252
258,304
432,308
417,561
46,902
145,419
33,893
957
2,454
8,652
8,019
22,631
38,015
67,165
57,361
405
63
239,614
2,273
21,165
14,145
25,821
37,011
99,490
170,449
310,083
395,498
1,868
245
1,078,048
` in Lakhs
-
13,686
9,714
14,000
2,214
22,880
38,605
134,496
134,982
24,750
-
395,327
total 1,404,364
residual Maturity of assets and Liabilities
1 day
Assets
2-7 8-14 days days
Liability
15-30 31 days days and upto 2 months
Over
2 months and upto 3 months
Over
3 months and upto 6 months
Over
6 months and upto 1 year
Over
1 year and upto 3 years
Over
3 years and upto 5 years
Over 5 years
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