Profitability & Capital Adequacy Presentation
Section 7: Loans & Advances
The Bank has diversified its loan book across more than 20 business lines
Emerging Enterprises
Large Corporate 1%.
6%
Financial Institutions Other Corporates 2%
8%
Infrastructure Financing
Loan Book: September 30, 2023
Rs. 1,83,236 crore
2%
Other SME Loans 5%
Gold Loans 0.31%
Other Retail Loans 8%
Credit Card 2%
Education Loans 1%.
Consumer Loans
13%
Rural Finance
11%
Vehicles
10%
Commercial Vehicles
3%
28% Mortgage^
backed Loans
^ Mortgage constitutes 12% Home loans, 12% Loan Against Property, 3% Business Banking loans and 1% KCC.
•
Other SME Loans consists of Loans to small business owners and entrepreneurs through products like business installment loans, micro business loans, trade advance etc with most loans < Rs. 5 crore.
Loans & Advances are net of IBPC and include advances & credit substitutes; Consumer Loans include personal loans, and consumer durable loan.
•
Other Retail Loans include digital lending, revolving credit, retail portfolio buyout etc.
•
Commercial Vehicles Financing includes Construction Equipment
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