ICICI Bank 2009 Annual Report Download - page 111
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F37
23. Information in respect of restructured assets
Details of loan assets subjected to restructuring are given below:
Rupees in million
Year ended March 31, 2009 Year ended March 31, 2008
CDR
Mechanism SME Debt
Restructuring Others CDR
Mechanism SME Debt
Restructuring Others
Standard advances
restructured Number of
Borrowers 1 7 937 2—1
Amount outstanding 912.2 252.5 9,781.1 1,013.7 — 14,781.6
Sacrifice (diminution
in the fair value) 107.0 0.7 59.6 ———
Sub-standard
advances
restructured
Number of
Borrowers ——51——1
Amount outstanding — — 202.1 — — 962.1
Sacrifice (diminution
in the fair value) — — 0.7 ———
Doubtful advances
restructured Number of
Borrowers ——————
Amount outstanding ——————
Sacrifice (diminution
in the fair value) ——————
Total Number of
Borrowers 1 7 988 2—2
Amount outstanding 912.2 252.5 9,983.2 1,013.7 — 15,743.7
Sacrifice (diminution
in the fair value) 107.0 0.7 60.3 ———
1. The above disclosure for the year ended March 31, 2009, excludes reversal of interest income of Rs. 159.1 million on account of
conversion of overdue interest into Funded Interest Term Loan (FITL) and reversal of derivative income of Rs. 1,134.5 million on
account of conversion of derivative receivables into term loans.
Additional disclosure regarding restructured accounts1:
Rupees in million
Particulars Number Amount
1. Applications received up to March 31, 2009, for restructuring, in respect of accounts
which were standard as on September 1, 200821,016 31,048.0
2. Of (1), proposals approved and implemented as on March 31, 2009, which thus
became eligible for special regulatory treatment and were classified as standard
assets as on the date of the balance sheet 945 10,945.7
3. Of (1), proposals approved and implemented as on March 31, 2009, but could not
be upgraded to the standard category 30 68.6
4. Of (1), proposals under process/implementation which were standard as on
March 31, 2009 38 19,875.1
5. Of (1), proposals under process/implementation which turned NPA as on March 31,
2009, but are expected to be classified as standard assets on full implementation
of the package 3 158.6
1. Excludes cases where terms and conditions of the restructuring were being finalised as on March 31, 2008 and have been subsequently
finalised. Also, excludes reversal of derivative income receivables proposed to be converted into term loans.
2. Includes applications for 950 accounts amounting to Rs. 2,001.2 million from various retail borrowers.
forming part of the Accounts (Contd.)
schedules