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Notes to financial statements
for the year ended March 31, 2020
8 PRIORITy seCTOR LeNdINg CeRTIfICATes (PsLC)
1) pSlC Agriculture
2) pSlC Small Farmers / Marginal Farmers
3) pSlC Micro enterprises
4) pSlC General
(` in 000's)
- -
15,440,000 -
2,500,000 -
6,000,000 -
FINANCIAL STATEMENTS
Particulars
year ended 31/03/2020
Year ended 31/03/2019
pSLc Sold
pSLc purchased
PSLC Sold
PSLC Purchased
20,050,000
6,595,000
-
2,000,000
-
-
16,000,000
-
Total 23,940,000 -
9 INTeR- bANK PARTICIPATION WITh RIsK shARINg
the aggregate amount of participation issued by the bank and reduced from advances as per regulatory guidelines as at March 31, 2020 is nil and as at March 31, 2019 is `3,350,000 (000's).
42,645,000
2,000,000
10 AsseT LIAbILITy MANAgeMeNT (ALM)
Maturity pattern of certain items of Assets and Liabilities specified Assets and Liabilities as at March 31, 2020:
1 day
2 days to 7 days
8 days to 14 days
15 days to 30 days
31 days to 2 months
over 2 months upto 3 months over 3 months upto 6 months over 6 months upto 12 months over 1 year upto 3 years
over 3 years upto 5 years
over 5 years
Total
note:
1) the bucketing structure has been revised based on RBI guideline dated March 23, 2016.
2) the Bank is following 30 day month convention for calculation of bucket sizes for AlM.
3) there are no Foreign Currency Assets or liabilities with the Bank as at March 31, 2020.
(` in 000's)
Maturity Buckets
Loans & Advances
investments
deposits
borrowings
11,701
-
227,258
-
163,523
149,979
2,116,455
1,368,559
150,580
599,451
1,414,473
971,400
350,143
3,086,366
2,582,090
1,400,000
785,880
1,390,821
3,701,141
221,400
8,925,154
431,660
9,949,005
2,288,000
25,830,416
819,893
17,044,920
3,860,500
43,230,838
4,062,135
31,008,263
13,449,633
41,756,051
1,142,221
39,549,846
13,498,167
4,690,236
14,541,914
140,436,437
3,053,084
9,225,767
23,961,375
186,836
24,549
2,475,000
39,532,659
-
107,804,837
4) RBI vide its circular dated March 27, 2020 on 'CoVID-19 Regulatory package' permitted the Bank to grant a moratorium of three months on payment of all instalments falling due between March 1, 2020 and May 31, 2020. the Bank in line with the said circular has offered moratorium on the respective maturity buckets presented above. the Bank estimates that considerable portion of the cash flows impacted by the moratorium will be received within 1-3 years from the balance sheet date and the same has been factored in the above disclosure.
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