ICICI Bank 2014 Annual Report Download - page 120

F32
forming part of the Accounts (Contd.)
schedules
` in million, except number of accounts
Type of Restructuring Others Total
Sr. no.
Asset Classification Details Standard
(a)
Sub-
Standard
(b)
Doubtful
(c)
Loss
(d)
Total
(e)
Standard
(a)
Sub-
Standard
(b)
Doubtful
(c)
Loss
(d)
Total
(e)
1. Restructured Accounts at April 1, 20131
No. of borrowers 140 8 283 4 435 174 8 295 7 484
Amount outstanding 17,676.7 1,855.9 5,650.6 138.1 25,321.3 58,252.2 1,855.9 9,004.8 316.2 69,429.1
Provision thereon 782.9 159.6 3,738.0 138.1 4,818.6 5,103.8 159.6 5,955.6 316.2 11,535.2
2. Fresh restructuring during the year ended March 31, 2014
No. of borrowers 726 —1—727 745 —1—746
Amount outstanding 22,458.6 —1,534.0 —23,992.6 62,310.6 —1,534.0 —63,844.6
Provision thereon 1,638.2 —562.7 —2,200.9 5,854.4 —562.7 —6,417.1
3. Upgradations to restructured standard category during the year ended March 31, 20142
No. of borrowers 53 (2) (51) — — 54 (2) (52) — —
Amount outstanding 78.7 (2.4) (80.6) —(4.3) 153.5 (2.4) (134.2) —16.9
Provision thereon 2.9 (0.4) (70.3) —(67.8) 4.8 (0.4) (95.4) —(91.0)
4. Increase/(Decrease) in borrower level outstanding of existing restructured cases during year ended March 31, 20143
No. of borrowers — — — — — — — — — — Amount outstanding 1,304.2 —(26.6) 9.4 1,287.0 4,016.0 —(91.5) 9.4 3,933.9
Provision thereon 150.5 —501.1 9.4 661.0 766.4 —852.8 9.4 1,628.6
5. Restructured standard advances at April 1, 2013, which cease to attract higher provisioning and/or additional risk weight at March 31, 2014 and
hence need not be shown as restructured standard advances at April 1, 2014 No. of borrowers (72) N.A. N.A. N.A. (72) (73) N.A. N.A. N.A. (73)
Amount outstanding (661.2) N.A. N.A. N.A. (661.2) (661.9) N.A. N.A. N.A. (661.9)
Provision thereon (3.8) N.A. N.A. N.A. (3.8) (4.2) N.A. N.A. N.A. (4.2)
6. Downgradations of restructured accounts during the year ended March 31, 20142
No. of borrowers (18) 2 7 9 —(24) 2 13 9 —
Amount outstanding (5,055.9) (1,565.9) 6,386.4 456.1 220.7 (7,274.7) (1,565.9) 8,544.0 456.1 159.5
Provision thereon (438.4) (80.9) 3,306.8 203.8 2,991.3 (780.0) (80.9) 4,714.4 203.8 4,057.3
7. Write-offs/recovery/sold of restructured accounts during the year ended March 31, 2014
No. of borrowers (19) —(52) —(71) (20) —(55) (2) (77)
Amount outstanding (226.0) —(1,729.2) —(1,955.2) (271.0) —(1,864.3) (157.0) (2,292.3)
Provision thereon — — (1,002.8) —(1,002.8) — — (1,118.0) (157.0) (1,275.0)
8. Restructured Accounts at March 31, 2014
No. of borrowers 810 8 188 13 1,019 856 8 202 14 1,080
Amount outstanding 35,575.1 287.6 11,734.6 603.6 48,200.9 116,524.7 287.6 16,992.8 624.7 134,429.8
Provision thereon 2,132.3 78.3 7,035.5 351.3 9,597.4 10,945.2 78.3 10,872.1 372.4 22,268.0
1. One borrower with amount outstanding of ` 5,214.3 million and provision of ` 686.1 million at March 31, 2013 was reported in “others” mechanism in FY2013.
Subsequently the account has been reclassified under “CDR” mechanism at April 1, 2013.
2. In cases upgraded to restructured standard category and in cases downgraded to lower asset classification, the amount shown as deleted represents the
outstanding at March 31, 2013 and that shown in addition represents outstanding at March 31, 2014.
3. Increase/(decrease) in borrower level outstanding of existing restructured accounts is due to utilisation of cash credit facility, exchange rate fluctuation, accrued
interest, fresh disbursement, non-fund based devolvement etc.