ICICI Bank 2011 Annual Report Download - page 182

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F104
d. Maturity pattern of assets (March 31, 2011)1
The maturity pattern of assets at March 31, 2011 is detailed in the table below.
` in billion
Maturity buckets Cash &
balances
with RBI
Balances
with banks
& money
at call and
short notice
Investments Loans &
advances
Fixed
assets
Other
assets
Total
Day 1 57.54 64.21 126.57 11.32 — 25.33 284.97
2 to 7 days — 41.45 57.06 25.51 (0.00) 11.62 135.64
8 to 14 days — 28.86 29.55 17.67 — 6.10 82.18
15 to 28 days 14.03 5.51 105.17 32.10 — 11.26 168.07
29 days to 3 months 19.76 12.45 100.26 178.04 0.05 10.08 320.64
3 to 6 months 11.03 9.14 76.81 226.90 0.05 3.38 327.31
6 months to 1 year 19.97 5.80 123.78 292.44 0.04 4.06 446.09
1 to 3 years 65.45 1.22 365.09 1,017.36 0.06 10.91 1,460.09
3 to 5 years 3.18 0.00 113.05 426.58 2.44 4.96 550.21
Above 5 years 18.64 0.05 330.06 332.13 45.75 108.95 835.58
Total 209.60 168.69 1,427.40 2,560.05 48.39 196.65 4,610.78
1. Consolidated figures for the Bank and its banking subsidiaries, ICICI Home Finance Company, ICICI Securities Primary
Dealership Limited and ICICI Securities Limited and its subsidiaries. The maturity pattern of assets for the Bank is based on
methodology used for reporting positions to the RBI on asset-liability management. The maturity pattern of assets for the
subsidiaries is based on similar principles.
e. Amount of non-performing loans (NPLs) (March 31, 2011)
` in billion
NPL Classification Gross NPLs Net NPLs
Sub-standard 20.58 14.41
Doubtful 77.19 14.50
- Doubtful 1129.29 9.41
- Doubtful 21 25.12 5.09
- Doubtful 31 22.78 —
Loss 9.45 —
Total2, 3 107.22 28.91
NPL ratio44.06% 1.13%
1. Loans classified as NPLs for 456 to 820 days are classified as Doubtful 1, 821 to 1,550 days as Doubtful 2 and above 1,550
days as Doubtful 3.
2. Includes advances portfolio of the Bank and its banking subsidiaries and ICICI Home Finance Company.
3. Identification of loans as non-performing is as per the guidelines issued by RBI.
4. Gross NPL ratio is computed as a ratio of gross NPLs to gross advances. Net NPL ratio is computed as a ratio of net NPLs
to net advances.
BASEL II – PILLAR 3 DISCLOSURES (CONSOLIDATED)
at March 31, 2011