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F35
24. Floating provision
The Bank holds floating provision of ` 1.9 million at March 31, 2014 (March 31, 2013:` 1.9 million) taken over from
erstwhile Bank of Rajasthan on amalgamation.
25. Concentration of Deposits, Advances, Exposures and NPAs
(I) Concentration of deposits, advances, exposures and NPAs
` in million
Concentration of deposits
At
March 31, 2014
At
March 31, 2013
Total deposits of 20 largest depositors ...................................................... 242,537.6 280,257.1
Deposits of 20 largest depositors as a percentage of total deposits of the Bank
7.31% 9.58%
` in million
Concentration of advances1
At
March 31, 2014
At
March 31, 2013
Total advances to 20 largest borrowers (including banks) ....................... 1,154,740.4 1,095,316.4
Advances to 20 largest borrowers as a percentage of total advances
of the Bank .................................................................................................. 15.73% 15.44%
1.
Represents credit exposure (funded and non-funded) including derivatives exposures as per RBI guidelines on exposure norms.
` in million
Concentration of exposures1At
March 31, 2014
At
March 31, 2013
Total exposure to 20 largest borrowers/customers (including banks)...... 1,190,611.6 1,126,427.8
Exposures to 20 largest borrowers/customers as a percentage of total
exposure of the Bank ................................................................................. 15.21% 14.85%
1. Represents credit and investment exposures as per RBI guidelines on exposure norms.
` in million
Concentration of NPAs At
March 31, 2014
At
March 31, 2013
Total exposure1 to top 4 NPA accounts ...................................................... 17,486.9 12,511.3
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, 2014 At
March 31, 2013
Gross Net Gross Net
1. Agriculture and allied activities1 ........................................... 3.62% 0.93% 3.60% 0.75%
2. Industry (Micro & small, medium and large) ........................ 3.04% 1.22% 2.28% 0.70%
3. Services ................................................................................. 3.45% 1.14% 2.47% 1.05%
4. Personal loans2 ...................................................................... 2.49% 0.41% 5.80% 0.56%
Total ....................................................................................... 3.03% 0.97% 3.22% 0.77%
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