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Notes to financial statements
for the year ended March 31, 2020
4.5 Provision coverage ratio:
provision Coverage Ratio (including technical write-offs) 71.90%
4.6 unsecured advances
the Bank has not extended any project advances where the collateral is an intangible asset such as a charge over rights, licenses, authorizations, etc. the unsecured Advances as at March 31, 2020 of `1,09,765,159 ('000) (March 31, 2019 of `90,533,108 ('000)) disclosed in Schedule 9B (iii) are without any collateral or security.
4.7 divergence in Asset Classification and Provisioning for NPAs
As per the RBI notification-RBI/2016-17/283 DBR.Bp.BC.no.63/21.04.018/2016-17 dated April 18, 2017 an additional disclosure by way of notes to accounts regarding Divergence in the Asset Classification and provisioning needs to be provided. For the financial year 2017-18, there are no Divergences in the Asset Classification and provisioning identified. no further inspection of the Bank was conducted by RBI post March 31, 2018.
Particulars
79.96%
4.8 a)
details of financial Assets sold to securitisation Company (sC) / Reconstruction Company (RC) for Asset Reconstruction
During the current and previous year, the Bank has not sold any Financial assets to Securitisation Company (SC) / Reconstruction Company (RC) for Asset Reconstruction
b) details of book value of investment in security receipts (sR)
During the current and previous year, the Bank has not made investment in Security Receipts.
4.9 details of NPA Purchase/sold
During the current and previous year, there has been no purchase/ sale of non-performing financial assets from/ to other banks.
4.10 Intra-group exposure
During the current and previous year, the Bank does not have any Intra Group exposure.
4.11 disclosures Resolution of Stressed Assets
no accounts have been restructured under prudential framework on resolution of stressed assets as per the circular no. RBI/2018-19/203 DBR.no.Bp.BC. 45/21.04.048/2018-19 dated June 07, 2019.
5 busINess RATIOs:
Interest income as a percentage to working funds1 non-interest income as a percentage to working funds1 operating profit as a percentage to working funds1,4 Return on assets2
Business (deposits plus gross advances) per employee (in 000's)3 profit per employee (in 000's)
notes:
17.28% 1.94% 2.93% 1.88%
11,344 153.00
Particulars
As at 31/03/2020
As at 31/03/2019
17.09%
2.04%
4.03%
2.21%
12,564
214.72
1) Working funds represent average of total assets as reported to RBI in Form X under Section 27 of the Banking Regulation Act, 1949 during the Year.
2) Returns on assets are computed with reference to average working funds.
As at 31/03/2020
As at 31/03/2019
248 | AnnuAl RepoRt 2019-20