Investor Presentaiton
NPA Analysis
Movement in NPA during Q1 FY 23
( crs)
Particulars
Amount
NPA Sectoral exposures
Opening GNPA
2250.82
Additions
569.37*
Personal Loans
Vehicle Loans
1%
Others
4%
4%
Sub Total (A)
2820.19
Large Enterprise
18%
Reduction
Up-gradation
150.59
Housing
Recoveries (excluding upgraded accts)
127.33
11%
Technical Write Offs
137.65
Other Write Offs
3.23
Sub Total (B)
418.80
Out of which sold to ARC
Closing GNPA
2401.39
*Contains slippage of one Corporate restructured account amounting to
Rs 308.01Cr which has been since recovered except for penal interest etc.
The impact of which on the financials is as below-
Particulars
With said
slippage
(crs)
Without said
slippage
Interest on loans & advances
Yield on Advance %
1246.73
1286.73
8.81%
9.09%
Gross NPA
2401.39
2093.38
Gross NPA %
4.03%
3.51%
PCR %
76.77%
75.37%
Credit Cost %
0.69
0.16
Slippage ratio %
1.03
0.47
26
MSME
41%
Agriculture
21%
GNPARs 2,401.39 Cr
✡ Karnataka Bank Ltd.
Your Family Bank. Across India.View entire presentation