ICICI Bank 2013 Annual Report Download - page 114

Download and view the complete annual report

Please find page 114 of the 2013 ICICI Bank annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 220

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161
  • 162
  • 163
  • 164
  • 165
  • 166
  • 167
  • 168
  • 169
  • 170
  • 171
  • 172
  • 173
  • 174
  • 175
  • 176
  • 177
  • 178
  • 179
  • 180
  • 181
  • 182
  • 183
  • 184
  • 185
  • 186
  • 187
  • 188
  • 189
  • 190
  • 191
  • 192
  • 193
  • 194
  • 195
  • 196
  • 197
  • 198
  • 199
  • 200
  • 201
  • 202
  • 203
  • 204
  • 205
  • 206
  • 207
  • 208
  • 209
  • 210
  • 211
  • 212
  • 213
  • 214
  • 215
  • 216
  • 217
  • 218
  • 219
  • 220

F36
27. Risk category-wise country exposure
As per the extant RBI guidelines, the country exposure of the Bank is categorised into various risk categories listed in the
following table. The funded country exposure (net) of the Bank as a percentage of total funded assets for Singapore was
1.45% (March 31, 2012: 1.54%) and United Kingdom was 1.34% (March 31, 2012: 1.23%). As the net funded exposure
to Singapore and United Kingdom exceeds 1.0% of total funded assets, the Bank held a provision of ` 230.0 million on
country exposure at March 31, 2013 (March 31, 2012: ` 240.0 million) based on RBI guidelines.
The following table sets forth, for the periods indicated, the details of exposure (net) and provision held by the bank.
` in million
Risk category Exposure (net) at
March 31, 2013
Provision held at
March 31, 2013
Exposure (net) at
March 31, 2012
Provision held at
March 31, 2012
Insignificant ................................................ 546,787.0 230.0 529,612.7 240.0
Low ............................................................. 184,890.4 — 186,098.7 —
Moderate.................................................... 41,721.0 — 23,462.4 —
High ............................................................ 1,906.7 — 0.1 —
Very High ................................................... — — — —
Restricted ................................................... — — — —
Off-Credit ................................................... — — — —
Total ........................................................... 775,305.1 230.0 739,173.9 240.0
28. Details of Single Borrower Limit and Borrower Group Limit exceeded by the Bank
During the year ended March 31, 2013 and March 31, 2012, the Bank has complied with the Reserve Bank of India
guidelines on single borrower and borrower group limit.
29. Unsecured advances against intangible assets
The Bank had not made advances against intangible collaterals of the borrowers, which are classified as ‘unsecured’ in
its financial statements at March 31, 2013 (March 31, 2012: Nil) and the estimated value of the intangible collaterals was
Nil at March 31, 2013 (March 31, 2012: Nil).
30. Fixed Assets
The following table sets forth, for the periods indicated, the movement in software acquired by the Bank, as included in fixed assets.
` in million
Particulars At
March 31, 2013
At
March 31, 2012
At cost at March 31st of preceding year .............................................................. 7,055.2 6,589.6
Additions during the year ..................................................................................... 1,462.3 465.6
Deductions during the year .................................................................................. (9.5) —
Depreciation to date .............................................................................................. (6,379.5) (5,637.0)
Net block ................................................................................................................ 2,128.5 1,418.2
forming part of the Accounts (Contd.)
schedules