The following tables set forth the details of the movement in NPAs for the periods indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gross NPA Movement As of December 31,
2019 2020
@inillion)
Opening GNPA 496.21 1,012.50
Add: Additions during the year 823.44 0.50
Sub Total — (A) 1,319.65 1,013.00
Less: E :
i, Upgradations 21.89 56.00
ii, _ Recoveries (excluding recoveries made from upgraded accounts) 22.42 31.47
iii, Technical or Prudential write-offs 160.82 626.38
iv. _ Write-offs other than those under (iii) above 158. 95 0.02
Sub Total (By 364.08 713.87
Closing GNPA Balance 955.57 299.13,
Gross NPA Movement As of March 31,
2018 2019 2020
@nillion)
Opening GNPA 512.50 565.69 496.21
Add: Additions during the year 517.95 330.81 1,042.95
Sub Total — (A) 1,030.45 896.50 1,539.16
Less:
v.Upgradations 0.75 1.25 6.07
vi. _ Recoveries (excluding recoveries made from upgraded accounts) 36.08 63.42 41.73
vii. Technical or Prudential write-offs = : 319.93
Vili, Write-offs other than those under (iii) above RIB 335.62 158.93
Sub Total -(B) 464.76 400.29 526.66
Closing GNPA Balance 565.69 496.21 1,012.50

 

The following tables set forth the details of the movement in provisions for the periods indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Provision Movement As of December 31,
2019 2020
@inillion)
Opening Balance 376.15 808.76
Add: Provisions created during the year 739.44 13.29
Sub Total — (A) 1,115.59 822.05
Less: - =
i._ Write-offs/ Write back of excess provisions 336.20 651.06
Sub Total -(B) 336.20 651.06
Closing Balance 779.39 170.99
Provision Movement As of March 31,
2018 2019 2020
@aillion)

Opening Balance 201.09 273.42 376.15
Add: Provisions created during the year 193.72 250.62 702.36
Sub Total — (A) 304.81 524.04 1,078.51
Less:

ii,_ Write-offs/ Write back of excess provisions 121.39 147.89 269.75
Sub Total -(B) 121.39 147.89 269.75
Closing Balance 273.42 376.15 808.76

 

Upgradations of loan accounts classified as NPA

If arrears of interest and principal are paid by the borrower in the case of loan accounts classified as NPAs, the account will no

longer be treated as non-performing and be classified as ‘standard’ accounts.

Restructuring of Advances

All loans of our Bank, where the repayment terms of existing advances have been revised in order to extend the repayment
period and/ or decrease the instalment amount and/ or reduction in interest rate as per the borrower’s request shall be marked

as rescheduled loans.
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