Appendix Table VII.4: Risk Profile of Loans and Advances (including bill credit) - ஆர்பிஐ - Reserve Bank of India
Appendix Table VII.4: Risk Profile of Loans and Advances (including bill credit)
|
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(Amount in Rs. crore) |
||||||||
Risk Category (per cent) |
Risk- |
Risk- |
||||||
weighted |
Weighted |
|||||||
Outstanding Balance (net book value) |
||||||||
loans and |
||||||||
Total |
loans and |
|||||||
advances as |
||||||||
advances |
||||||||
0 |
20 |
50 |
100 |
percentage |
||||
to total loans |
||||||||
and advances |
||||||||
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
|
March-2003 |
||||||||
Loans and Advances to staff |
– |
17,969 |
– |
327 |
18,296 |
3,921 |
21.4 |
|
Loans and Advances against bank deposits |
29,130 |
– |
– |
– |
29,130 |
– |
– |
|
Loans and Advances to Govt. (GOI/State) |
14,196 |
– |
– |
– |
14,196 |
– |
– |
|
Government Guaranteed Advances |
30,989 |
627 |
– |
1,421 |
33,037 |
1,546 |
4.7 |
|
Bank guaranteed advances / Take out Finance |
– |
19,613 |
– |
– |
19,613 |
3,923 |
20.0 |
|
Bills purchased under other bank LCs/acceptance credits |
– |
– |
– |
14,867 |
14,867 |
14,867 |
100.0 |
|
ECGC/DICGC guaranteed "covered" credit only |
– |
– |
25,843 |
– |
25,843 |
12,921 |
50.0 |
|
Housing loan against mortgage of house |
– |
– |
38,579 |
– |
38,579 |
19,290 |
50.0 |
|
SSI advances guaranteed by Credit Guarantee Fund |
||||||||
Trust for Small Industries up to the guaranteed portion |
287 |
– |
– |
– |
287 |
– |
– |
|
All other loans and advances |
– |
– |
– |
5,09,332 |
5,09,332 |
5,09,332 |
100.0 |
|
March-2004 |
||||||||
Loans and Advances to staff |
– |
20,822 |
– |
133 |
20,955 |
4,297 |
20.5 |
|
Loans and Advances against bank deposits & specified |
||||||||
collateral |
34,591 |
– |
– |
– |
34,591 |
– |
– |
|
Loans and Advances to Govt. (GOI/State) |
6,820 |
– |
– |
– |
6,820 |
– |
– |
|
Government Guaranteed Advances |
37,405 |
1,319 |
– |
1,688 |
40,412 |
1,951 |
4.8 |
|
Bank guaranteed advances / Take out Finance |
– |
21,355 |
– |
– |
21,355 |
4,271 |
20.0 |
|
Bills purchased under other bank LCs/acceptance credits |
– |
– |
– |
16,830 |
16,830 |
16,830 |
100.0 |
|
ECGC/DICGC guaranteed "covered" credit only |
– |
– |
23,246 |
– |
23,246 |
11,623 |
50.0 |
|
Housing loan against mortgage of house |
– |
– |
72,751 |
– |
72,751 |
36,376 |
50.0 |
|
SSI advances guaranteed by Credit Guarantee Fund Trust |
||||||||
for Small Industries up to the guaranteed portion |
271 |
– |
– |
– |
271 |
– |
– |
|
All other loans and advances |
– |
– |
– |
5,84,572 |
5,84,572 |
5,84,572 |
100.0 |
|
Note : Net Book Value implies outstanding book value net of margins and provisions. |