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Concentrations of credit risk (Tables)

12 Months Ended

Mar. 31, 2018

Schedules of Concentration of Risk, by Risk Factor

The Bank’s portfolio of loans, credit substitute securities and non-funded exposure is broadly diversified along industry and product lines, and as of March 31, 2017 and March 31, 2018 the exposures are as set forth below. From fiscal 2017, Agriculture and allied activities is classified under Agriculture Production - Food, Agriculture Production – Non food , Agriculture – Allied, and Animal Husbandry, respectively. Services are classified under Business Services, and Consumer Services, respectively, and Wholesale Trade is classified under Wholesale Trade - non consumer goods (now named as Wholesale Trade – non industrial), and Wholesale Trade-consumer goods (now named as Wholesale Trade – industrial), respectively. Credit Card receivables and Housing Loans hitherto classified under retail loans are classified under Consumer Loans from fiscal 2017. From fiscal 2018, Agri produce trade is added by classifying certain sub segments from Wholesale Trade - industrial, Wholesale Trade-non industrial and Retail trade.

		As of March 31, 2017
Category		Gross loans				Fair Values Of Credit Substitutes				Non-funded exposure				Total				%
		(In millions, except percentages)
Consumer Loans		Rs.	1,526,978.2			Rs.	—			Rs.	0.2			Rs.	1,526,978.4				21.0	%
NBFC/Financial Intermediaries			180,220.7				158,378.6				5,211.1				343,810.4				4.7
Retail trade			320,876.9				2,941.7				9,952.3				333,770.9				4.6
Automobile & Auto Ancillary			240,301.6				31,661.9				24,816.3				296,779.8				4.1
Agriculture Production — Food			282,673.8				2,075.0				458.3				285,207.1				3.9
Consumer Services			260,053.9				4,500.5				20,152.1				284,706.5				3.9
Wholesale Trade- Non Industrial			232,111.9				5,190.8				20,611.1				257,913.8				3.6
Road Transportation			241,771.3				—				4,104.8				245,876.1				3.4
Wholesale Trade - Industrial			166,940.1				3,144.3				34,878.0				204,962.4				2.8
Agriculture Production — Non Food			202,350.3				—				1.5				202,351.8				2.8
Food & Beverage			166,494.3				12,354.5				12,309.0				191,157.8				2.6
Real Estate & Property Services			168,660.4				1,585.4				20,566.5				190,812.3				2.6
Engineering			110,827.8				4,900.7				74,511.2				190,239.7				2.6
Coal & Petroleum Products			48,513.8				2,136.8				123,490.2				174,140.8				2.4
Power			125,213.0				20,395.7				24,455.8				170,064.5				2.3
Business Services			159,666.1				1,786.1				6,561.8				168,014.0				2.3
Banks and Financial Institutions			40,763.1				3,402.7				122,099.8				166,265.6				2.3
Telecom			108,104.6				21,406.2				20,134.3				149,645.1				2.1
Others (none greater than 2%)			1,406,387.9				143,679.7				343,910.8				1,893,978.4				26.0
Total		Rs.	5,988,909.7			Rs.	419,540.6			Rs.	868,225.1			Rs.	7,276,675.4				100.0	%

		As of March 31, 2018
Category		Gross loans				Fair Values Of Credit Substitutes				Non-funded exposure				Total				Total				%
		(In millions, except percentages)
Consumer Loans		Rs.	1,948,328.2			Rs.	—			Rs.	665.4			Rs.	1,948,993.6			US$	29,933.9				22.7	%
Retail trade			385,217.8				1,181.4				13,091.9				399,491.1				6,135.6				4.6
NBFC/Financial Intermediaries			231,249.9				110,494.4				6,888.5				348,632.8				5,354.5				4.1
Automobile & Auto Ancillary			299,680.3				13,105.7				30,876.7				343,662.7				5,278.2				4.0
Consumer Services			308,333.2				3,461.5				14,077.5				325,872.2				5,004.9				3.8
Agriculture Production — Food			318,643.5				497.9				614.9				319,756.3				4,911.0				3.7
Road Transportation			310,740.7				—				5,247.2				315,987.9				4,853.1				3.7
Real Estate & Property Services			233,700.5				1,982.5				27,280.7				262,963.7				4,038.8				3.1
Engineering			133,216.6				2,470.7				99,933.4				235,620.7				3,618.8				2.7
Power			159,239.8				34,738.6				36,017.7				229,996.1				3,532.4				2.7
Food & Beverage			210,780.7				586.8				14,210.0				225,577.5				3,464.6				2.6
Business Services			207,868.8				946.6				7,738.7				216,554.1				3,326.0				2.5
Agriculture Production — Non Food			199,451.2				—				9.0				199,460.2				3,063.4				2.3
Wholesale Trade — Non Industrial			180,841.8				2,239.4				11,945.7				195,026.9				2,995.3				2.3
Wholesale Trade — Industrial			167,253.4				103.9				27,470.1				194,827.4				2,992.3				2.3
Textiles & Garments			159,873.4				4,602.7				20,496.0				184,972.1				2,840.9				2.2
Infrastructure Development			109,841.9				9,762.5				55,773.0				175,377.4				2,693.6				2.0
Telecom			125,842.1				21,629.8				27,802.9				175,274.8				2,692.0				2.0
Iron & Steel			135,431.1				2,583.1				36,184.6				174,198.8				2,675.5				2.0
Housing Finance Companies			110,961.6				60,818.6				585.2				172,365.4				2,647.3				2.0
Others (none greater than 2%)			1,439,682.5				52,825.4				460,885.5				1,953,393.4				30,001.5				22.7
Total		Rs.	7,376,179.0			Rs.	324,031.5			Rs.	897,794.6			Rs.	8,598,005.1			US$	132,053.6				100.0	%

Exposure to ten largest borrowers

Fair Value, Concentration of Risk

The Bank’s ten largest exposures as of March 31, 2017 and March 31, 2018, based on the higher of the outstanding balance or the limit on loans, investments (including credit substitutes) and non-funded exposures (including derivatives), are as follows:

		As of March 31, 2017
		Funded Exposure				Non-Funded Exposure				Total Exposure
						(In millions)
Borrower 1			Rs.19,561.0				Rs.87,324.0				Rs.106,885.0
Borrower 2			54,388.2				19,055.1				73,443.3
Borrower 3			65,000.0				40.1				65,040.1
Borrower 4			33,472.8				28,647.0				62,119.8
Borrower 5			45,790.0				12,808.7				58,598.7
Borrower 6			50,000.0				—				50,000.0
Borrower 7			40,000.0				—				40,000.0
Borrower 8			19,071.8				20,926.2				39,998.0
Borrower 9			34,744.2				1,240.0				35,984.2
Borrower 10			7,502.1				28,443.7				35,945.8

		As of March 31, 2018
		Funded Exposure				Non-Funded Exposure				Total Exposure				Total Exposure
						(In millions)
Borrower 1		Rs.	11,615.0			Rs.	79,373.2			Rs.	90,988.2			US$	1,397.5
Borrower 2			80,006.2				87.1				80,093.3				1,230.1
Borrower 3			27,567.3				48,406.0				75,973.3				1,166.8
Borrower 4			59,631.9				13,790.6				73,422.5				1,127.7
Borrower 5			70,012.7				—				70,012.7				1,075.3
Borrower 6			34,673.6				22,396.4				57,070.0				876.5
Borrower 7			13,054.6				43,324.0				56,378.6				865.9
Borrower 8			6,001.5				48,749.4				54,750.9				840.9
Borrower 9			44,367.1				3,300.0				47,667.1				732.1
Borrower 10			45,000.0				—				45,000.0				691.1

X

- Definition

Tabular disclosure of all significant concentrations of risk, including credit risk and market risk, arising from all financial instruments (as defined), whether from an individual counterparty or groups of counterparties. The disclosure concerning concentrations of risk may consist of the following information: (1) for concentrations of credit risk disclosure may include: (a) information about the (shared) activity, region, or economic characteristic that identifies the concentration, (b) the maximum amount of loss due to credit risk that, based on the gross fair value of the financial instrument, the entity would incur if parties to the financial instruments that make up the concentration failed completely to perform according to the terms of the contracts and the collateral or other security, if any, for the amount due proved to be of no value to the entity, (c) the policy of requiring collateral or other security to support financial instruments subject to credit risk, information about the entity's access to that collateral or other security, and the nature and a brief description of the collateral or other security supporting those financial instruments, and (d) the policy of entering into master netting arrangements to mitigate the credit risk of financial instruments, information about the arrangements for which the entity is a party, and a brief description of the terms of those arrangements, including the extent to which they would reduce the entity's maximum amount of loss due to credit risk and (2) for disclosure of quantitative information about the market risks of financial instruments that is consistent with the way the company manages or adjusts those risks, disclosure may include: (a) more details about current positions and perhaps activity during the period, (b) the hypothetical effects on comprehensive income (or net assets), or annual income, of several possible changes in market prices, (c) a gap analysis of interest rate re-pricing or maturity dates, (d) the duration of the financial instruments, (e) the entity's value at risk from derivatives and from other positions at the end of the reporting period and the average value at risk during the year, or (f) other ways of reporting quantitative information as internally developed.

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