Investor Presentaiton
Credit - Robust Asset Quality
At the end of (INR Cr)
H1FY17
H1FY16 | FY16
FY15
Credit Book
| 21,349*
17,321
20,014
15,036
Pvt. Banks
NBFCs
Gross NPA
I
312
250
281
196
1.60%
2.71%
Gross NPA %
1.46%
1.45%
1.40%
1.31%
Net NPA %
0.47%
0.44%
0.47%
0.38%
0.71%
0.93%
Total Provision Held
289
233
247
184
Total Provision Cover
92%
93%
88%
94%
Average Collateral cover on Wholesale book I
2.2x
2.1x
2.1x
2.3x
|
1 -1.25X
1.5-2X
Average Loan-To-Value on Retail book
~47%
~51%
~50%
~52%
Average LTV of LAP portfolio at 44% vs 65 % of the industry
Median ticket size at 36 Lacs vs 1.2 cr in the industry
Credit
Non Credit
* Excludes Distressed Assets; Provision Policy moved to 120+ DPD; Housing Finance Co. continues to follow 90+ DPD
Insurance
Balance Sheet
26
*View entire presentation