Asset Quality and Performance Overview
Asset Quality Continues to Remain Strong
Q4 18
FY 18
Gross NPA by business segment
FY 17
Movement of Gross
Business
segment
FY 17
Q3 18
FY 18
NPAs
C&IB
103.8
142.2
83.1
Opening Balance
580
357
208
%
0.84%
0.91%
0.51%
(+) Additions during the
115
569
533
period
CB
138.9
105.7
126.4
(-) Upgrade
56
70
%
13
2.53%
1.56%
1.67%*
(-) Recoveries
Retail Assets
76.3
110.8
113.0
50
130
303
%
1.42%
1.41%
1.26%*
(-) Write Offs
22
159
69
LAP
19.9
25.3
25.9
Closing Balance
567
567
357
BIL
15.9
25.7
31.6
Gross NPA (%)
1.40%
1.40%
1.20%
PIL
4.3
8.5
11.8
Net NPA
314
314
190
Cards
9.8
19.3
19.9
Net NPA (%)
0.78%
0.78%
0.64%
Others
26.4
32.0
23.7
Provisioning Coverage
57.57%
57.57%
59.58%
Ratio (PCR) (%)
Agri
18.1
57.6
81.5
Slippage Ratio
0.31%
1.93%
2.51%
%
0.86%
2.89%
4.15%
Restructured %
0.08%
0.08%
0.25%
DB&FI
19.7
163.5
162.8
%
0.48%
3.38%
2.84%
Total Stressed Assets%
1.48%
1.48%
1.45%
Total
356.8
579.9
566.7
Security Receipts as a percentage of total advances at 0.07%
Total (%)
1.20%
1.56%
1.40%
•1 ARC sale for the quarter
apno ka bank | RBL Bank
*For CB the GNPA % would be 2.23% for FY 18 with the addition of wholesale agri; For
Retail Assets GNPA % would 1.36% for FY18 with the addition of retail agri
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