Planning Cycle 4 (2017-2020) - Plan vs Outcome/Top line momentum/Well Diversified Loan Book
Commercial Real Estate Exposure (CRE)
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Bank's CRE exposure comprises of 3.8% Real Estate Developer Loans (RE) and 3.8% Lease
Rental Discounting (LRD)
RE exposure is diversified across 71 projects with average ticket size of INR 108 cr
LRD exposure is diversified across 122 projects with average ticket size of INR 61 cr. Exposures
are effectively to cash-flows of lessee, typically across industries such as MNC hubs & IT.
Interpreting MCA charges/dated prospectus for assessing banking exposures may not be
reliable as evident in recent speculation on a HFC-RE Developer Group:
➤ In relation to this Group, the Bank disclosed to Stock Exchanges exposure of 0.35% of loans
to their financing businesses. As on date this has reduced to 0.27%.
➤ Exposure to Real Estate businesses of the Group as on date is at 0.45% and expected to
reduce to 0.2% with scheduled repayments / prepayments during the quarter.
➤ All exposures are fully / strongly collateralised with no overdues.
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