ICICI Bank 2016 Annual Report Download - page 167

Annual Report 2015-2016 165
Schedules
forming part of the Accounts (Contd.)
Financial Statements of ICICI Bank Limited
The following tables set forth, for the year ended March 31, 2015 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, 2014
1
No. of borrowers 48 –13 162 1 – 1 – 2
Amount outstanding 88,618.9 –5,224.2 21.1 93,864.2 4.0 –34.0 –38.0
Provision thereon 9,258.8 –3,802.6 21.1 13,082.5 0.2 –34.0 –34.2
2. Fresh restructuring during the year ended March 31, 2015
No. of borrowers 19 – 1 – 20 – – – – –
Amount outstanding 17,809.1 –213.7 –18,022.8 – – – – –
Provision thereon 1,552.5 –213.7 –1,766.2 – – – – –
3. Upgradations to restructured standard category during the
year ended March 31, 2015 No. of borrowers – – – – – – – – – – Amount outstanding – – – – – – – – – – Provision thereon – – – – – – – – – –
4. Increase/(decrease) in borrower level outstanding of
existing restructured cases during the year ended March 31, 2015
2
No. of borrowers – – – – –– – – – – Amount outstanding 16,160.5 –12.4 (1.9) 16,171.0 (4.0) –––(4.0)
Provision thereon 1,031.8 –649.0 (1.9) 1,678.9 (0.2) –––(0.2)
5. Restructured standard advances at April 1, 2014, which cease
to attract higher provisioning and/or additional risk weight at March 31, 2015 and hence need not be shown as restructured standard advances at April 1, 2015 No. of borrowers (2) N.A. N.A. N.A. (2) – N.A. N.A. N.A. –
Amount outstanding (2,750.2) N.A. N.A. N.A. (2,750.2) – N.A. N.A. N.A. –
Provision thereon (63.9) N.A. N.A. N.A. (63.9) – N.A. N.A. N.A. –
6. Downgradations of restructured accounts during the year
ended March 31, 2015 No. of borrowers (12) – 11 1 –– – (1) 1–
Amount outstanding (36,160.6) –35,175.3 416.4 (568.9) – – (34.0) 34.0 –
Provision thereon (4,066.3) –13,583.7 416.4 9,933.8 – – (34.0) 34.0 –
7. Write-offs/recovery/sale of restructured accounts during the
year ended March 31, 2015 No. of borrowers (2) –(4) –(6) – – – – –
Amount outstanding (2,941.2) –(2,787.1) –(5,728.3) – – – – –
Provision thereon (67.9) –(1,479.0) –(1,546.9) – – – – –
8. Restructured accounts at March 31, 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
3
– – 34.0 34.0
Provision thereon 7,645.0 –16,770.0 435.6 24,850.6 – – – 34.0 34.0
1. Three borrowers with amount outstanding of ` 7,673.3 million and provision of ` 446.1 million at March 31, 2014 was reported in “others” mechanism during the year ended March 31, 2014.
Subsequently these account have been re-classified under “CDR” mechanism.
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.
3. Insignificant amount.