ICICI Bank 2016 Annual Report Download - page 168

Annual Report 2015-2016166
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, 2014
1
No. of borrowers 807 8 188 13 1,016 856 8202 14 1,080
Amount outstanding 27,901.8 287.6 11,734.6 603.6 40,527.6 116,524.7 287.6 16,992.8 624.7 134,429.8
Provision thereon 1,686.2 78.3 7,035.5 351.3 9,151.3 10,945.2 78.3 10,872.1 372.4 22,268.0
2. Fresh restructuring during the year ended March 31, 2015
No. of borrowers 455 6 – – 461 474 6 1 – 481
Amount outstanding 17,523.4 762.6 – – 18,286.0 35,332.5 762.6 213.7 –36,308.8
Provision thereon 1,072.2 114.4 – – 1,186.6 2,624.7 114.4 213.7 –2,952.8
3. Upgradations to restructured standard category during the
year ended March 31, 2015 No. of borrowers 17 – (17) ––17 – (17) ––
Amount outstanding 246.8 –(257.2) –(10.4) 246.8 –(257.2) –(10.4)
Provision thereon – – (168.8) –(168.8) – – (168.8) –(168.8)
4. Increase/(Decrease) in borrower level outstanding of
existing restructured cases during the year ended March 31, 2015
2
No. of borrowers – – – – –– – – – – Amount outstanding 2,205.0 –23.1 (99.5) 2,128.6 18,361.5 –35.5 (101.4) 18,295.6
Provision thereon (62.1) –1,443.5 152.8 1,534.2 969.5 –2,092.5 150.9 3,212.9
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 (17) N.A. N.A. N.A. (17) (19) N.A. N.A. N.A. (19)
Amount outstanding (10.2) N.A. N.A. N.A. (10.2) (2,760.4) N.A. N.A. N.A. (2,760.4)
Provision thereon – N.A. N.A. N.A. –(63.9) N.A. N.A. N.A. (63.9)
6. Downgradations of restructured accounts during the year
ended March 31, 2015 No. of borrowers (34) 9 (103) 128 –(46) 9 (93) 130 –
Amount outstanding (9,131.4) 2,604.1 4,780.4 1,795.6 48.7 (45,292.0) 2,604.1 39,921.7 2,246.0 (520.2)
Provision thereon (1,052.6) 733.0 790.4 1,795.6 2,266.4 (5,118.9) 733.0 14,340.1 2,246.0 12,200.2
7. Write-offs/recovery/sale of restructured accounts during the
year ended March 31, 2015 No. of borrowers (24) (3) (34) (3) (64) (26) (3) (38) (3) (70)
Amount outstanding (11.5) (1.8) (2,790.9) (0.8) (2,805.0) (2,952.7) (1.8) (5,578.0) (0.8) (8,533.3)
Provision thereon (1.6) (0.2) (1,306.4) (0.8) (1,309.0) (69.5) (0.2) (2,785.4) (0.8) (2,855.9)
8. Restructured Accounts at March 31, 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
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 pending allotment) as part of restructuring scheme, etc.
3. “Others” mechanism also include cases restructured under Joint Lender Forum (JLF) mechanism.