‘Suryoday Small Finance Bank Limited
Annexure 22 - Notes forming part of the Restated Summary Statements
(All amounts are in Indian Rupees in million unless otherwise stated)

   

9.2 Capital Market Exposure

As at December 31, 2020, December 31, 2019, March 31, 2020, March 31, 2019 and March 31, 2018 the Bank does not have any Capital Market Exposure

9.3 Risk Category wise Country Exposure

The Bank’s exposures are concentrated in India, hence country risk exposure as at December 31, 2020, December 31, 2019, March 31, 2020, March 31, 2019 and March 31, 2019 is Ni.

9.4 Intra Group Exposure

 

The Bank does not have any group entities, hence intra group exposure as at December 31, 2020, December 31, 2019, March 31, 2020, March 31, 2019 and March 31, 2019 is Ni

9.5 Unsecured Advances

Advances for which intangible collaterals such as rights licenses, authority et. are charged In favour of the Bank in respect of projects financed by the Bank, are reckoned as unsecured advances under annexure 13 of the Balance
Sheet inline with extant RBI guidelines. There are no such advances given during the year and outstanding as at December 31, 2020; December 31, 2019; March 31, 2020; March 31, 2019 and as at March 31, 2018,

 

9.6 Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL) exceeded by the Bank
Daring the period’ year ended December 31, 2020; December 31, 2019; March 31, 2020; March 31, 2019 and year ended March 31, 2018, the Bank’s credit exposures to single borrowers and group borrowers were within the
limits prescribed under extant RBI guidelines

10, Concentration of Deposits, Advances, Exposure and NPA’s

10.1 Concentration of deposits

 

 

 

Particulars December 31, 2020| December 31, 2019| March 34, 2020] March 31,2019 March 31, 2016]
Total deposits of twenty laigest depositors 3977.14 9,872.09, 1045S 79.74 4434.05
Percentage of deposis of ewenty largest depositors to total deposits of 729.8496 39.63% 38.7795 44.6096 39.1694
ke Bank

 

10.2 Concentration of advances

 

 

 

Particulars December 31, 2020| December 31, 2019| March 34, 2020] March 31, 2019| March 31, 2016]
Total advances to twenty largest borrowers 2,735.60 2,698.74 2,548.82 1398.31 209.97
Percentage of advances of twenty largest borrowers to total advances 7.10% 7.84% 7.0306| 5.0996 T8195
lof the Bank

 

 

™Advances are computed as per the definition of Credit Exposure as prescribed In Master Circular on Exposure Norms DBR No. Dir. BC.12/13,03,00/2015-16 dated July 1, 2015.

10.3 Concentration of exposure

 

 

 

 

 

 

 

 

Particulars December 31, 2020| December 31, 2019| March 34, 2020] March 31,2019 March 31, 2016]
Total exposure to twenty largest borrowers customers” 271991 926.60 3,143.97 459.9
Percentage of exposure of twenty largest borrowers / customers 71% A795 850% 204%
total exposure ofthe Bank on borrowers / customers

* Exposures are computed as per the definition of Credit Exposure as prescribed In Masier Circular on Exposure Norms DBR No, Dir, BC.12/13,03,00/2015-16 dated July 1, 2015.

10.4 Concentration of NPAS

Particulars December 31, 2020| December 31, 2019| March 34, 2020] March 31, 2019| March 31, 2016]
FTotal gross exposure to top Tour NPA a 42.86 50.37 49.38 25.92 17

 

 

11. Sector-wise advances

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Particulars December 31, 2020
‘Gross NPAs Percentage of gross NPAS to
advances a Total advance

© aut
A Prio
1. Agriculture and allied activities 291324 0a ai
2. Advances to industries sector eligible as priority sector Tending 4907 10.33%6|
3, Services TATA WS Tai
Transport Operators 467.69 81.49 17.4296
[4 Personal foans To10a7, 7A 0.70%
Sub roial (A) T5218 110.26 0.96%
1. Agriculture and allied activities 17,183.59, 355 oy
2. Industry 249.83 338) 1.3594
3. Services| 13,872.02 168.21 131%
Transport Operators 3,300.43, 7381 2.24%
4, Personal Loans 2,767.02, 13.75 0.50%
Sub total (B) 27,078.86 188.87 0.7084
[Total (A*B) 38,531.04 299.13 0.78%
Particulars December 31, 2019

‘Gross NPAs Percentage of gross NPAs to
advances ap Total advances i

© on
[A Priority Sector ™
1. Agriculture and allied activities 7823.98, wal 2A
2. Advances to industries sector eligible as priory sector lending 108.13 1113 710.2396
3. Services 436456 198.38 £55
“Transport Operators 113105 3453 8.36%
[a Personal loans 1,355.69 4.8034
Sub total (A) 7,652.36 319.69 4.185
B. Non Priority Sector
1. Agriculture and allied activities T1959 ass 2%
Pas ndustry 4a.94 420) 9.3595
3. Services| 13,345.25 37493 2.69%
“Transport Operators 2383.36 979 758.18 32.3594
[4 Personal Loans 1,352.32, 14.22 1.05%
Sub total (B) 26,762.10 35.88 2.30%

 

 

[Total (ASB) 34,414.46 955.57 2.78%

 

 

 

 

 

 
