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Annual Report 2015-2016164
Schedules
forming part of the Accounts (Contd.)
Financial Statements of ICICI Bank Limited
` in million, except number of accounts
Type of Restructuring
Others Total
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 1,204 20 34 138 1,396 1,256 20 55 141 1,472
Amount outstanding 38,723.9 3,652.5 13,490.0 2,298.9 58,165.3 119,460.4 3,652.5 51,328.5 2,768.5 177,209.9
Provision thereon 1,642.1 925.5 7,794.2 2,298.9 12,660.7 9,287.1 925.5 24,564.2 2,768.5 37,545.3
2. Fresh restructuring during the year ended March 31, 2016
No. of borrowers 9 –––99–––9
Amount outstanding 23,070.5 –––23,070.5 23,070.5 –––23,070.5
Provision thereon 1,201.3 –––1,201.3 1,201.3 –––1,201.3
3. Upgradations to restructured standard category during the
year ended March 31, 2016
No. of borrowers 18 (5) (4) (9) –18 (5) (4) (9) –
Amount outstanding 18.4 (1.6) (6.9) (11.1) (1.2) 18.4 (1.6) (6.9) (11.1) (1.2)
Provision thereon 0.3 (0.3) (6.1) (11.1) (17.2) 0.3 (0.3) (6.1) (11.1) (17.2)
4. Increase/(Decrease) in borrower level outstanding of
existing restructured cases during the year ended March
31, 2016
1
No. of borrowers – – – – –– – – – –
Amount outstanding 3,064.5 0.1 (40.6) (33.3) 2,990.7 6,402.1 0.1 4,663.1 (33.3) 11,030.2
Provision thereon 510.5 –1,677.7 (33.3) 2,154.9 336.4 –9,851.5 (33.3) 10,154.6
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 (1) –––(1) (1) –––(1)
Amount outstanding (78.1) –––(78.1) (78.1) –––(78.1)
Provision thereon – – – – –– – – – –
6. Downgradations of restructured accounts during the year
ended March 31, 2016
No. of borrowers (764) 725 26 13 –(782) 725 38 14 –
Amount outstanding (25,634.2) (3,039.4) 21,406.7 6,004.3 (1,262.6) (53,002.2) (3,039.4) 47,368.5 8,020.8 (652.3)
Provision thereon (614.6) (823.0) 6,990.4 6,004.3 11,557.1 (3,406.4) (823.0) 21,883.4 8,020.8 25,674.8
7. Write-offs/recovery/sale of restructured accounts during the
year ended March 31, 2016
No. of borrowers (75) (1) (7) (22) (105) (76) (1) (14) (24) (115)
Amount outstanding (2,697.5) (0.2) (1,517.3) (1,614.8) (5,829.8) (2,740.7) (0.2) (8,104.3) (2,065.2) (12,910.4)
Provision thereon (14.9) –(1,514.1) (1,614.8) (3,143.8) (16.0) –(5,826.1) (2,065.2) (7,907.3)
8. Restructured Accounts at March 31, 2016
No. of borrowers 391 739 49 120 1,299 424 739 75 127 1,365
Amount outstanding 36,467.5 611.4 33,331.9 6,644.0 77,054.8 93,130.4 611.4 95,248.9.1 8,679.8 197,670.5
Provision thereon 2,724.7 102.3 14,942.1 6,644.0 24,413.1 7,402.7 102.3 50,466.9 8,679.8 66,651.7
1. 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 pending allotment) as part of restructuring scheme, etc.
2. “Others” mechanism also include cases restructured under Joint Lender Forum (JLF) mechanism.