(2) Unsecured MSME/SME Loans were defocused in Fiscal 2020.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(3) Count of personal loans for the credit life insurance is excluded from the affordable housing loan segment for calculating the average ticket size.
As of March 31,
2018 2019 2020
(No. of Months)
Inclusive Finance Loans 21.14 21.26 21,74
Commercial Vehicle Loans 5L75 50.49 47.58
Affordable Housing Loans 206.52 215.71 198.38
Micro Business Loans (T-Nagar) 23.17 22.79 23.15
Unsecured MSME/SME Loans 28.45 31.60 25.64
Secured Business Loans 69.75, 118.91 115.46
Financial Intermediary Group Loans 25.50 26.82 27.91
Others = - ~
Notes:
(1) Excludes overdraft loans
(2) Unsecured MSME/SME Loans were defocused in Fiscal 2020.
(3) Affordable housing loans excludes personal loans for credit life insurance.

The table below sets forth the yields on our Bank’s Gross Loan Portfolio by product as of March 31, 2018, 2019 and 2020 and

as of December 31, 2019 and 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘As of December 31,
2019 2020
Inclusive Finance Loans 23.35%* 22.28%*
[17.51%] [16.71%]
Commercial Vehicle Loans 10.54%* 10.88%*
[7.91%] [8.16%]
Affordable Housing Loans 11.64%* 11.87%*
[8.73%] [8.90%]
Micro Business Loans (T-Nagar) 23.65%* 23.01%*
[17.74%] [17.26%]
Unsecured MSME/SME Loans 16.07%* 14.60%*
[12.05%] [10.95%]
Secured Business Loans 15.03%* 14.02%*
[11.27%] [10.52%]
Financial Intermediary Group Loans 12.08%* 11.48%*
[9.06%] [8.61%]
Others 12.00%* 11.42%*
[9.00%] [8.57%]
Notes:
*Annualized. Figures in square brackets represent unannualized figures
(1) Others includes overdraft against deposits and staff loans.
(2) Unsecured MSME/SME Loans were defocused in Fiscal 2020.
‘As of March 31,
2018 2019 2020
Inclusive Finance Loans 21.39% 22.79% 23.37%
Commercial Vehicle Loans : 10.30% 10.46%
Affordable Housing Loans 12.50% 12.12% 11.69%
Micro Business Loans (T-Nagar) 23.04% 23.75% 23.57%
Unsecured MSME/SME Loans 25.60% 20.32% 15.98%
Secured Business Loans 25.60% 16.79% 14.82%
Financial Intermediary Group Loans 10.94% 13.30% 12.46%
Others 2.00% 7.02% 8.79%
Notes:
(1) Others includes overdraft against deposits and staff loans.

(2) Unsecured MSME/SME Loans were defocused in Fiscal 2020.

Interest Rate Sensitivity Analysis

The following tables set forth the interest rate sensitivity analysis of our Bank’s assets and liabilities for our Bank's operations

as of the dated indicated:

As of December 31, 2020

227

 

 

 
