Investor Presentaiton
^ Advances & Asset Quality
(Rs. in Billion)
7.80%
7.20%
6.80%
7.00%
6.40%
5.85%
666
857
4.64%
3.54%
454
510
500
389
3.17%
326
341
349
2.78%
289
285
262
2.04%
1.53%
2019
2020
2021
2022
NPL Ratio
2011
2012
2013
2014
2015
2016
2017
20 18
Gross Advances
25
86.4%
87.5%
86.6% 86.1% 94.6%
91.9%
20
92.6%
15
10
5
96.7%
95.3% 96.3%
93.7%
Gross advances stood at Rs. 857 billion
(29%) (Industry advances; 17%↑)
Gross ADR ratio reached 56.3% (Industry
Dec'22 Gross ADR: 53.0%)
NPLs at 13.1 billion (4%↓)
NPL Ratio 1.53% (0.51%); Industry Sep'22:
7.6%
Specific NPL Coverage 89.6% (4.2%) &
Overall NPL Coverage at 90.4%; Overall
Industry Sep'22: 91.9%
Key Lending sectors:
Non-Banking Financial Institution (NBFIs)
89.6%
•
Non-Financial Public Sector
(NFPSE)
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Provision Held
NPL
Specific Coverage Ratio
Enterprises
Government (Including Govt. Trusts &
Corporate Bodies
Textiles
Chemicals, pharmaceutical & Petroleum
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