Investor Presentaiton
^ Advances & Asset Quality
(Rs. in Billion)
666
638
7.8%
7.2%
6.8%
7.0%
6.4%
510
500
5.9%
454
4.6%
389
341
349
326
3.5%
289
285
262
3.2%
2.8%
2.0% 2.1%
2011
2012
2013
2014
2015
2016
2017
25
2018
Gross Advances ―NPL Ratio
86.4%
87.5%
86.6%
86.1% 94.6%
91.9%
20
92.6%
15
10
5
2011
2012
2013
2014
Provision Held
2019
2020
2021 Q1-2022
96.7%
96.3%
95.3%
93.7%
92.9%
2020
2021
Q1-2022
2015
2016
2017
2018
2019
NPL
Specific Coverage Ratio
Gross advances stood at Rs.638 billion
(4%) (Industry advances; 2%1)
Gross ADR ratio reached 45.0% (Industry
Dec'21 Gross ADR: 50.4%)
NPLs at 13.5 billion (0.8%)
NPL Ratio 2.1% (0.07%); Industry Dec'21:
7.9%
Specific NPL Coverage 92.9% (0.8%) &
Overall NPL Coverage at 93.7%; Overall
Industry Dec'21: 91.2%
Key Lending Sectors;
•
Agriculture, Forestry and Hunting
Power, gas, water & sanitary
Financial
Textile-Manufacture of made up & ready
made garments
Chemical & pharmaceutical
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