to agriculture sector, micro and small enterprises, weaker sections, housing finance up to certain ceilings etc. SFBs are required
to maintain 75% of their ANBC under priority sector advances.

We are required to comply with the priority sector lending requirements on a quarterly basis. Any shortfall in the amount
required to be lent to the priority sectors is required to be deposited with the Rural Infrastructure Development Fund established
by NABARD or funds with other financial institutions as specified by the RBI, which generally provide for lower than market
interest rate. Therefore, if we are unable to meet the priority sector conditions requirements, it could have an adverse effect on
our results of operations.

Our average “priority sector” loans as a percentage of average ANBC for Fiscal 2018, 2019, 2020 and as of December 31, 2019
and 2020 stood at 99.08%, 112.10% and 103.67% and 102.41%, 114.09% respectively.

Capital Adequacy

Our Bank is subject to the CRAR requirements prescribed by the RBI. As of December 31, 2020, we were required to maintain
a minimum CRAR of 15.00%, based on the total capital to risk-weighted assets.

The following tables set forth certain information relating to the CRAR of our Bank as of the periods indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘As of and for the Nine Months
ended December 31,
2019 2020
@ million, except percentages)

‘Common Equity Tier I Capital 10,442.62 11,176.55
Tier I Capital 10,442.62 11,176.55
Tier II Capital 268.44 1,280.96
Total Capital 10,711.06 12,457.51
Total Risk Weighted Assets 26,363.53 30,256.56
Capital Adequacy Ratio
Common Equity Tier I Capital Ratio (as a percentage of Risk Weighted Assets) 39.61% 36.94%
Tier I Capital Ratio (as a percentage of Risk Weighted Assets) 39.61% 36.94%
Tier II Capital Ratio (as a percentage of Risk Weighted Assets) 1.02% 4.23%
Total Capital to Risk Weighted Asset Ratio (CRAR) (as a percentage of Risk Weighted 40.63% aav%
Assets)

‘As of and for the year ended March 31,

2018 2019 2020
@illion, except percentages)

‘Common Equity Tier I Capital 5,236.59) 8,519.38 10,104.45
Tier I Capital 5,236.59 8,519.38 10,104.45
Tier II Capital 410.25 343,71 336.86
Total Capital 5,646.83 8,863.09 10,441.31
Total Risk Weighted Assets 13,012.21 22,085.82 29,461.55
Capital Adequacy Ratio
‘Common Equity Tier I Capital Ratio (as a percentage of Risk Weighted Assets) | 40.25% 38.66% 34.30%
Tier I Capital Ratio (as a percentage of Risk Weighted Assets) 40.25% 38.66% 34.30%
Tier Il Capital Ratio (as a percentage of Risk Weighted Assets) 3.15% 1.56% 1.14%
Total Capital to Risk Weighted Asset Ratio (CRAR) (as a percentage of
Ri Weisel il ait gh ( Desay 8 43.40% 40.22% 35.44%

 

 

 

 

Regional Concentration

Our Bank’s widespread branch network enables our Bank to diversify its lending risks geographically. The following tables
present an analysis of our Bank’s advances and deposits by region as of the dates indicated.

The following tables set forth our Bank’s Gross Advances by geographical split as of the dates indicated:

 

 

 

 

 

 

 

 

 

 

As of December 31,
2019 2020
@ million) % of total (million) % of total
Metropolitan 11,352.82 32.99% 14,308.49 37.13%
Urban 10,415.75 30.27% 10,704.51 27.78%
Semi-Urban 10,512.24 30.54% 11,104.12 28.83%
Rural 2,133.65 6.20% 2,413.92 6.26%

 

 

 

 

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