 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘As of December 31,
States 2019 2020
(Wo. of Banking Outlets)
Rajasthan : 15
Total 439 554
‘As of March 31,
States 2018 2019 2020
(No. of Banking Outlets)
Maharashtra 84 115 152
Tamil Nadu 49 74 91
Odisha 38 64 79
Gujarat 30 35, 38
Karnataka 15 47 55
Madhya Pradesh 21 28 33
Chhattisgarh 1. 1 7
Uttar Pradesh * 13 14
Delhi - 2 3
Telangana = 1 2
Puducherry 2: 2 2
Chandigarh z = i
Total 240 382 477

 

 

 

 

 

The following tables set forth our Bank’s Banking Outlets by geographical regions as of the dates indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31,
2019 2020
Metropolitan 86 95
Urban 102 149
Semi-Urban 126 153
Rural 125 157
Total Banking Outlets 439 554
‘As of March 31,

2018 2019 2020
Metropolitan 50 76 94
Urban 91 103 121
Semi-Urban 83 127 128
Rural 16 76 134
Total Banking Outlets 240 382 477

 

 

 

 

Recognition of NPAs and Provisioning

RBI Classification and Provisioning Requirements

Our Bank classifies its assets in accordance with the RBI guidelines. Under these guidelines, an asset is classified as non-
performing if any amount of interest or principal remains overdue for more than 90 days in respect of term loans. In respect of
overdraft and cash credit, an asset is classified as non-performing if the account remains out of order for a continuous period of

90 days, and in respect of bills purchased and discounted, if the account remains overdue for more than 90 days.

Assets are classified as described below:

 

Standard asset Performing assets are Standard Assets which do not disclose any problem and which do
not carry more than the normal risk attached to the business. The performing asset is one
which generates income for the bank.

 

 

Sub-standard asset Sub-standard Asset would be one which has remained a NPA for a period less than or
equal to 12 months.
Doubtful asset An account would be classified as doubtful if it had continuously remained in the sub-

standard category for 12 months. Doubtful assets will further be sub-classified into
following three categories.

 

 

- Doubtful —I All NPAs after completion of 12 months from date of categorization as an NPA will
slip to Doubtful —I category.
- Doubtful - II All NPAs after completion of 24 months from date of categorization as an NPA will

 

 

 

slip to Doubtful-II category.

 

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