March 12 - Standard Chartered Bank
March 12 - Standard Chartered Bank
March 12 - Standard Chartered Bank
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Risk review and disclosures under Basel II Framework for the year ended 31 <strong>March</strong> 20<strong>12</strong><br />
e) Details of Non-Performing Assets (NPAs) - Gross and Net<br />
(Rs. in 000s)<br />
Particulars 31.03.20<strong>12</strong> 31.03.2011<br />
Sub <strong>Standard</strong> 8,331,132 4,320,945<br />
Doubtful 6,417,573 5,316,344<br />
- Doubtful 1 2,871,767 4,160,490<br />
- Doubtful 2 3,091,449 855,777<br />
- Doubtful 3 454,357 300,077<br />
Loss 17,372,857 1,840,595<br />
Gross NPAs 32,<strong>12</strong>1,562 11,477,884<br />
Provisions (28,253,496) (10,158,988)<br />
Net NPAs 3,868,066 1,318,896<br />
Cover ratio 87.96% 88.51%<br />
f) NPA Ratios<br />
31.03.20<strong>12</strong> 31.03.2011<br />
Gross NPAs to gross advances 5.50% 2.29%<br />
Net NPAs to net advances 0.70% 0.27%<br />
g) Movement of NPAs<br />
Particulars<br />
Gross Net Gross Net<br />
(Rs. in 000s)<br />
Balance, beginning of the year 11,477,884 1,318,896 10,955,995 5,804,875<br />
Additions during the year 26,076,669 2,963,735 9,855,055 1,854,761<br />
Reductions during the year (5,432,991) (414,565) (9,333,166) (6,340,740)<br />
Balance, end of the year 32,<strong>12</strong>1,562 3,868,066 11,477,884 1,318,896<br />
h) Movement of provisions for NPAs<br />
31.3.20<strong>12</strong> 31.3.2011<br />
(Rs. in 000s)<br />
31.03.20<strong>12</strong> 31.03.2011<br />
Balance, beginning of the year 10,158,988 5,151,<strong>12</strong>0<br />
Add: Provisions during the year 23,1<strong>12</strong>,934 11,753,0<strong>12</strong><br />
Less: Utilisation / writeback of provisions no longer required (5,018,426) (6,745,144)<br />
Balance, end of the year 28,253,496 10,158,988<br />
19
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