Profitability & Capital Adequacy Presentation
Break-down of asset quality by business components.
Retail has least Gross NPA and Net NPA for over a decade
Segment
Retail, Rural and SME
Finance
Corporate
(Non-Infrastructure)
Infrastructure
Financing
|| 3,168
Overall Bank Level
Bank (Excl Infra.)
27,802
Gross Advances Breakup
Section 8: Risk Management & Asset Quality
Gross NPA
Net NPA
PCR%
1,46,783
1.53%
0.52%
85.06%
2.56%
0.11%
97.73%
25.07%
14.58%
62.81%
1,77,754
2.11%
0.68%
84.09%
1,74,585
1.69%
0.46%
87.71%
• The significant and growing part of the book, i.e. the Retail, Rural and SME business financing business has low NPA levels because of high-quality underwriting, credit
bureaus, technology, cash-flow based lending capabilities.
• Without this infrastructure financing portfolio, the Bank level PCR (excluding technical write-off) is at 73.34%.
Provision coverage ratio is including technical write-offs.
39
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