ICICI Bank 2016 Annual Report Download - page 165

Annual Report 2015-2016 163
Schedules
forming part of the Accounts (Contd.)
Financial Statements of ICICI Bank Limited
24. Information in respect of restructured assets
The following tables set forth, for the year ended March 31, 2016 details of loan assets subjected to restructuring.
` in million, except number of accounts
Type of Restructuring Under CDR Mechanism Under SME Debt Restructuring Mechanism
Sr. No. Asset Classication 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, 2015
No. of borrowers 51 –21 2 74 1 – – 1 2
Amount outstanding 80,736.5 –37,838.5 435.6 119,010.6 0.0
1
– – 34.0 34.0
Provision thereon 7,645.0 –16,770.0 435.6 24,850.6 – – – 34.0 34.0
2. Fresh restructuring during the year ended March 31, 2016
No. of borrowers – – – – –– – – – – Amount outstanding – – – – –– – – – – Provision thereon – – – – –– – – – –
3. Upgradations to restructured standard category during the
year ended March 31, 2016 No. of borrowers – – – – –– – – – – Amount outstanding – – – – –– – – – – Provision thereon – – – – –– – – – –
4. Increase/(decrease) in borrower level outstanding of
existing restructured cases during the year ended March 31, 2016
2
No. of borrowers – – – – –– – – – – Amount outstanding 3,336.0 –4,703.7 –8,039.7 1.6 –––1.6
Provision thereon (174.1) –8,173.8 –7,999.7 – – – – –
5. Restructured standard advances at April 1, 2015, which cease
to attract higher provisioning and/or additional risk weight at March 31, 2016 and hence need not be shown as restructured standard advances at April 1, 2016 No. of borrowers – – – – –– – – – – Amount outstanding – – – – –– – – – – Provision thereon – – – – –– – – – –
6. Downgradations of restructured accounts during the year
ended March 31, 2016 No. of borrowers (18) –12 6 –– – – – –
Amount outstanding (27,368.0) –25,961.8 2,016.5 610.3 – – – – –
Provision thereon (2,791.8) –14,893.0 2,016.5 14,117.7 – – – – –
7. Write-offs/recovery/sale of restructured accounts during the
year ended March 31, 2016 No. of borrowers (1) –(7) (1) (9) – – – (1) (1)
Amount outstanding (43.2) –(6,587.0) (416.4) (7,046.6) – – – (34.0) (34.0)
Provision thereon (1.1) –(4,321.0) (416.4) (4,738.5) – – – (34.0) (34.0)
8. Restructured accounts at March 31, 2016
No. of borrowers 32 –26 765 1 – – – 1
Amount outstanding 56,661.3 –61,917.0 2,035.8 120,614.1 1.6 –––1.6
Provision thereon 4,678.0 –35,524.8 2,035.8 42,238.6 – – – – –
1. Insignificant amount. 2. Increase/(decrease) in borrower level outstanding of restructured accounts is due to utilisation of cash credit facility, exchange rate fluctuation, accrued interest, fresh disbursement,
non-fund based devolvement, conversion of loans into equity (including application money pending allotment) as part of restructuring scheme, etc.