ICICI Bank 2012 Annual Report Download - page 110

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F32
26. Floating provision
Bank holds floating provision of ` 1.9 million at March 31, 2012 (March 31, 2011: ` 1.9 million) taken over from erstwhile
Bank of Rajasthan on amalgamation.
27. Concentration of Deposits, Advances, Exposures and NPAs
(I) Concentration of deposits, advances, exposures and NPAs
` in million
Concentration of deposits
At
March 31, 2012
At
March 31, 2011
Total deposits of twenty largest depositors ............................................... 212,175.1 219,063.0
Deposits of twenty largest depositors as a percentage of total deposits
of the Bank ................................................................................................... 8.30% 9.71%
` in million
Concentration of advances1
At
March 31, 2012
At
March 31, 2011
Total advances to twenty largest borrowers (including banks) ................ 1,032,621.4 968,797.3
Advances to twenty largest borrowers as a percentage of total advances
of the Bank .................................................................................................. 15.40% 16.93%
1. Represents credit exposure as per RBI guidelines on exposure norms. Total advances do not include the exposure to
consolidated entities which are deducted from capital funds of the Bank.
` in million
Concentration of exposures1At
March 31, 2012
At
March 31, 2011
Total exposure to twenty largest borrowers/customers (including banks) 1,066,030.1 1,007,127.8
Exposures to twenty largest borrowers/customers as a percentage of
total exposure of the Bank ......................................................................... 14.94% 16.29%
1. Represents credit and investment exposures as per RBI guidelines on exposure norms. Total exposure does not include the
exposure to consolidated entities which are deducted from capital funds of the Bank.
` in million
Concentration of NPAs At
March 31, 2012
At
March 31, 2011
Total exposure1 to top four NPA accounts ................................................. 5,657.3 6,508.1
1. Represents gross exposure (funded and non-funded)
(II) Sector-wise NPAs
Sr.
no. Sector Percentage of NPAs to total
advances in that sector
At
March 31, 2012 At
March 31, 2011
Gross Net Gross Net
1. Agriculture and allied activities1 ........................................... 4.78% 1.25% 7.61% 3.00%
2. Industry (Micro & small, medium and large) ........................ 2.02% 0.69% 2.10% 0.77%
3. Services ................................................................................. 0.92% 0.24% 1.76% 0.51%
4. Personal loans2 ...................................................................... 9.18% 1.26% 9.84% 1.83%
Total ....................................................................................... 3.62% 0.73% 4.47% 1.11%
1. Represents loans towards agriculture and allied activities that qualify for priority sector lending.
2. Excludes retail loans towards agriculture and allied activities that qualify for priority sector lending. Excludes commercial
business loans, developer financing and dealer funding.
forming part of the Accounts (Contd.)
schedules