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Concentrations of credit risk (Tables)

12 Months Ended

Mar. 31, 2020

Schedules of Concentration of Risk, by Risk Factor

The Bank’s portfolio of loans, credit substitute securities and non-funded exposure (including derivatives) is broadly diversified along industry and product lines, and as of March 31, 2019 and March 31, 2020 the exposures are as set forth below.

		As of March 31, 2019
Category		Gross loans				Fair Values Of Credit Substitutes				Non-funded exposure				Total				%
		(In millions, except percentages)
Consumer Loans		Rs.	2,477,945.6			Rs.	—			Rs.	1,552.1			Rs.	2,479,497.7				23.5
Retail trade			445,757.8				1,170.7				15,051.6				461,980.1				4.4
NBFC/Financial Intermediaries			311,477.1				98,274.0				13,203.1				422,954.2				4.0
Automobile & Auto Ancillary			352,979.1				10,413.9				32,546.7				395,939.7				3.8
Road Transportation			376,547.1				—				9,808.2				386,355.3				3.7
Consumer Services			354,060.4				3,957.3				13,757.6				371,775.3				3.5
Agriculture Production — Food			330,092.5				—				728.8				330,821.3				3.1
Power			251,169.4				37,188.7				39,998.4				328,356.5				3.1
Telecom			246,272.4				21,288.6				26,245.9				293,806.9				2.8
Real Estate & Property Services			257,056.8				1,978.8				33,482.7				292,518.3				2.8
Engineering			159,462.7				1,557.3				120,816.0				281,836.0				2.7
Food & Beverage			233,798.9				—				15,325.7				249,124.6				2.4
Business Services			236,853.7				249.2				11,318.3				248,421.2				2.4
Iron & Steel			195,488.6				5,514.4				44,149.5				245,152.5				2.3
Coal & Petroleum Products			92,504.7				705.0				150,857.5				244,067.2				2.3
Wholesale Trade — Industrial			192,708.4				67.8				29,835.7				222,611.9				2.1
Textiles & Garments			187,527.5				4,436.1				26,803.8				218,767.4				2.1
Infrastructure Development			128,273.5				9,035.5				79,596.8				216,905.8				2.1
Wholesale Trade — Non Industrial			200,089.4				248.3				12,218.2				212,555.9				2.0
Others (none greater than 2%)			2,081,399.0				76,801.2				470,669.6				2,628,869.8				24.9
Total		Rs.	9,111,464.6			Rs.	272,886.8			Rs.	1,147,966.2			Rs.	10,532,317.6				100.0

		As of March 31, 2020
Category		Gross loans				Fair Values Of Credit Substitutes				Non-funded exposure				Total				Total				%
		(In millions, except percentages)
Consumer Loans		Rs.	2,958,437.7			Rs.	2,756.6			Rs.	446.4			Rs.	2,961,640.7			US$	39,284.3				24.3
Retail Trade			533,155.3				343.7				22,820.3				556,319.3				7,379.2				4.6
Power			458,628.1				48,997.7				41,445.6				549,071.4				7,283.1				4.5
Consumer Services			399,046.4				2,015.1				19,135.9				420,197.4				5,573.6				3.4
Engineering			240,196.0				12,255.3				144,296.9				396,748.2				5,262.6				3.2
NBFC			317,450.0				76,860.2				1,659.1				395,969.3				5,252.3				3.2
Road Transportation			376,334.2				495.3				10,849.7				387,679.2				5,142.3				3.2
Automobile & Auto Ancillary			330,632.5				18,397.9				33,037.0				382,067.4				5,067.9				3.1
Real Estate & Property Services			280,870.4				4,309.5				36,335.2				321,515.1				4,264.7				2.6
Agri Production — Food			313,143.6				—				833.3				313,976.9				4,164.7				2.6
Coal & Petroleum Products			136,531.9				33,834.9				115,440.2				285,807.0				3,791.0				2.3
Food and Beverage			260,907.9				1,391.3				21,853.6				284,152.8				3,769.1				2.3
Financial Institutions			219,417.5				59,118.8				2,058.7				280,595.0				3,721.9				2.3
Iron and Steel			231,524.9				1,144.7				45,235.4				277,905.0				3,686.2				2.3
Telecom			232,932.0				10,412.6				29,949.6				273,294.2				3,625.1				2.2
Infrastructure Development			165,578.8				2,457.1				104,731.8				272,767.7				3,618.1				2.2
Business Services			244,028.7				2,278.5				15,953.3				262,260.5				3,478.7				2.1
Wholesale Trade — Non Industrial			238,436.5				—				18,766.1				257,202.6				3,411.6				2.1
Wholesale Trade — Industrial			211,849.6				34.2				34,840.2				246,724.0				3,272.6				2.0
Others (none greater than 2%)			2,474,753.6				85,270.3				525,004.6				3,085,028.5				40,920.9				25.5
Total		Rs.	10,623,855.6			Rs.	362,373.7			Rs.	1,224,692.9			Rs.	12,210,922.2			US$	161,969.9				100.0

Exposure to ten largest borrowers

Fair Value, Concentration of Risk

The Bank’s ten largest exposures as of March 31, 2019 and March 31, 2020, 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, 2019
		Funded Exposure				Non-Funded Exposure				Total Exposure
						(In millions)
Borrower 1			Rs. 146,141.2				Rs. 6,457.1				Rs. 152,598.3
Borrower 2			27,488.9				115,089.5				142,578.4
Borrower 3			120,004.3				312.8				120,317.1
Borrower 4			92,271.4				1,200.0				93,471.4
Borrower 5			80,008.5				32.6				80,041.1
Borrower 6			57,604.0				14,843.9				72,447.9
Borrower 7			32,948.9				34,806.0				67,754.9
Borrower 8			51,283.8				15,163.0				66,446.8
Borrower 9			43,602.4				22,513.2				66,115.6
Borrower 10			30,559.1				26,347.9				56,907.0

		As of March 31, 2020
		Funded Exposure				Non-Funded Exposure				Total Exposure				Total Exposure
						(In millions)
Borrower 1			Rs.    243,382.8				Rs.    1,200.0				Rs.    244,582.8			US$	3,244.2
Borrower 2			180,100.0				305.1				180,405.1				2,393.0
Borrower 3			163,738.7				610.9				164,349.6				2,180.0
Borrower 4			74,421.4				75,432.2				149,853.6				1,987.7
Borrower 5			135,455.0				—				135,455.0				1,796.7
Borrower 6			31,934.6				55,651.4				87,586.0				1,161.8
Borrower 7			63,228.0				15,355.2				78,583.2				1,042.4
Borrower 8			75,035.9				221.6				75,257.5				998.2
Borrower 9			75,027.7				182.8				75,210.5				997.6
Borrower 10			51,361.3				22,128.1				73,489.4				974.8

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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