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Notes to financial statements
for the year ended March 31, 2020
3) Business is defined as total of average of gross advances and deposits (net of inter-bank deposits and Certificate of Deposits).
4) operating profit is net profit for the Year before provisions and contingencies and profit / (loss) on sale of building and other assets (net).
6 CONCeNTRATION Of dePOsITs, AdVANCes, eXPOsuRes & NPAs
6.1 Concentration of deposits
total Deposits to twenty largest Depositors
percentage of Deposits of twenty largest Depositors to total Deposits of the Bank
6.2 Concentration of Advances*
total Advances to twenty largest Borrowers
percentage of Advances to twenty largest Borrowers to total Advances of the Bank
(` in 000's)
30,872,335 41.84%
(` in 000's)
2,513,001 2.37%
Particulars
FINANCIAL STATEMENTS
Particulars
As at 31/03/2020
29.04%
As at 31/03/2019
31,305,177
As at 31/03/2020
As at 31/03/2019
4,527,059
3.20%
*Advances are computed as per the definition of Credit exposure including derivatives as prescribed in Master Circular on exposure norms DBR.no. Dir. BC.12/13.03.00/2015-16 dated July 1, 2015.
6.3 Concentration of exposures*
total exposure to twenty largest Borrowers/Customers
percentage of exposures to twenty largest Borrowers/Customers to total exposure of the Bank on borrowers/customers
*exposures are computed based on Credit and Investment exposure as prescribed in the Master Circular on exposure norms DBR.no.Dir. BC.12/13.03.00/2015-16 dated July 1, 2015.
6.4 Concentration of NPAs
total exposure to top four npA accounts
(` in 000's)
8,679,309 7.61%
(` in 000's)
10,009
Particulars
As at 31/03/2020
As at 31/03/2019
5,401,345
3.77%
Particulars
As at 31/03/2020
As at 31/03/2019
16,976
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